Metropolitan Bank Holding Corp.
Metropolitan Bank Holding Corp. Fundamental Analysis
Metropolitan Bank Holding Corp. (MCB) shows moderate financial fundamentals with a PE ratio of 11.01, profit margin of 15.97%, and ROE of 10.95%. The company generates $0.5B in annual revenue with moderate year-over-year growth of 7.10%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 61.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze MCB's fundamental strength across five key dimensions:
Efficiency Score
WeakMCB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentMCB trades at attractive valuation levels.
Growth Score
ExcellentMCB delivers strong and consistent growth momentum.
Financial Health Score
ModerateMCB shows balanced financial health with some risks.
Profitability Score
ModerateMCB maintains healthy but balanced margins.
Key Financial Metrics
Is MCB Expensive or Cheap?
P/E Ratio
MCB trades at 11.01 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, MCB's PEG of 0.50 indicates potential undervaluation.
Price to Book
The market values Metropolitan Bank Holding Corp. at 1.00 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 12.52 times EBITDA. This signals the market has high growth expectations.
How Well Does MCB Make Money?
Net Profit Margin
For every $100 in sales, Metropolitan Bank Holding Corp. keeps $15.97 as profit after all expenses.
Operating Margin
Core operations generate 14.48 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.95 in profit for every $100 of shareholder equity.
ROA
Metropolitan Bank Holding Corp. generates $0.97 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Metropolitan Bank Holding Corp. produces operating cash flow of $84.04M, showing steady but balanced cash generation.
Free Cash Flow
Metropolitan Bank Holding Corp. generates strong free cash flow of $78.11M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $7.72 in free cash annually.
FCF Yield
MCB converts 9.17% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.007
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.50
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.000
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.67
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.010
vs 25 benchmark
ROCE
Return on capital employed
0.009
vs 25 benchmark
How MCB Stacks Against Its Sector Peers
| Metric | MCB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.01 | 19.05 | Better (Cheaper) |
| ROE | 10.95% | 820.00% | Weak |
| Net Margin | 15.97% | 1618.00% | Weak |
| Debt/Equity | 0.00 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 657.68 | Weak Liquidity |
| ROA | 0.97% | -24974.00% (disorted) | Weak |
MCB outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Metropolitan Bank Holding Corp.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
155.49%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
39.79%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-21.15%
Industry Style: Value, Dividend, Cyclical
Declining