Metropolitan Bank Holding Corp. MCB

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived NYSE

The Company is a bank holding company headquartered in New York, New York and registered under the BHC Act. Through its wholly owned bank subsidiary, Metropolitan Commercial Bank, a New York state-chartered commercial bank, the Company provides a broad range of business, commercial and retail banking products and services to small businesses, middle-market enterprises, public entities and individuals primarily in the New York metropolitan area. The Company's founding members, including its Chief Executive Officer, Mark DeFazio, recognized a need in the New York metropolitan area for a solutions-oriented, commercial banking franchise focused on building relationships with middle market companies and real estate entrepreneurs whose financial needs are often overlooked by larger financial institutions. The Bank was established in 1999 with the goal of helping these under-served clients build and sustain wealth. Its motto, "The Entrepreneurial Bank," is a reflection of the Bank's aspiration to develop a commercially oriented middle-market bank that shares the same entrepreneurial spirit as its clients. By offering an extensive suite of financial products and highly customized personal services, combined with strong technology offerings and a community-based relationship focus, the Company is well-positioned to continue to capitalize on the significant growth opportunities available in the New York metropolitan area and elsewhere. See the "GLOSSARY OF COMMON TERMS AND ACRONYMS" for the definition of certain terms and acronyms used throughout this Form 10-K.

Last close 97.41 2026-10-26
Market cap $1.21B 2026-06-30 share count
52-week range 64.66 - 102.04

Valuation FY2025 figures against the last close

P/S109.3x
P/E14.7x
P/FCF13.6x
EV/EBITDA—
Dividend yield0.3%
Diluted EPS6.62

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $11.1M$23.9M$27.9M$26.9M$23.1M$13.7M$129.8M$83.9M$60.9M$44.2M
Interest expense $303.2M$253.1M$222.8M$229.2M$16.3M$18.2M$32.2M$12.7M$8.7M$6.1M
Pre-tax income $101.5M$97.1M$106.9M$96.9M$89.6M$57.9M$44.1M$36.8M$23.6M$8.1M
Income tax $30.4M$30.4M$29.6M$37.5M$29.0M$18.5M$13.9M$11.2M$11.2M$3.0M
Net income $71.1M$66.7M$77.3M$59.4M$60.6M$39.5M$30.1M$25.6M$12.4M$5.0M
EPS, basic 6.715.976.955.426.644.763.633.122.400.43
EPS, diluted 6.625.936.915.296.454.663.563.062.340.43
Shares, diluted (wtd. avg.) 10.7M11.3M11.1M11.2M9.3M8.4M8.3M8.3M5.2M3.7M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $393.6M$200.3M$269.5M$257.4M$2.36B$864.3M$389.2M$232.9M$261.2M$82.9M
Property, plant and equipment $38.3M$35.0M$35.1M$31.9M$15.1M$13.5M$12.1M$6.9M$6.3M$5.0M
Goodwill $9.7M$9.7M$9.7M$9.7M$9.7M$9.7M$9.7M$9.7M$9.7M$9.7M
Total assets $8.26B$7.30B$7.07B$6.27B$7.12B$4.33B$3.36B$2.18B$1.76B$1.22B
Total liabilities $7.51B$6.57B$6.41B$5.69B$6.56B$3.99B$3.06B$1.92B$1.52B$1.11B
Retained earnings $450.6M$382.7M$316.0M$240.8M$181.4M$120.8M$81.4M$51.4M$25.9M$13.5M
Total equity $743.1M$729.8M$659.0M$575.9M$557.0M$340.8M$299.1M$264.4M$236.9M$109.5M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $88.7M$148.5M$42.4M$85.9M$37.3M$87.3M$39.0M$27.1M$31.5M$14.6M
Depreciation and amortisation $2.9M$2.7M$2.6M$2.5M$2.4M$2.5M$1.6M$1.4M$978.0K$785.0K
Stock-based compensation $8.9M$8.9M$9.8M$7.8M$4.8M$3.3M$3.1M$2.2M$412.0K—
Capital expenditure ———————$2.0M$2.2M$1.2M
Investing cash flow -$763.0M-$369.6M-$775.4M-$1.23B-$1.30B-$489.0M-$1.01B-$454.6M-$366.6M-$233.7M
Financing cash flow $867.6M$152.0M$745.1M-$958.5M$2.76B$876.9M$1.13B$399.2M$513.5M$236.4M
Dividends paid $3.1M—————————
Buybacks $73.5M———————$255.0K—

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-018208.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M Revenue, FY2016: 44.2M Net income, FY2016: 5M Revenue, FY2017: 60.9M Net income, FY2017: 12.4M Revenue, FY2018: 83.9M Net income, FY2018: 25.6M Revenue, FY2019: 129.8M Net income, FY2019: 30.1M Revenue, FY2020: 13.7M Net income, FY2020: 39.5M Revenue, FY2021: 23.1M Net income, FY2021: 60.6M Revenue, FY2022: 26.9M Net income, FY2022: 59.4M Revenue, FY2023: 27.9M Net income, FY2023: 77.3M Revenue, FY2024: 23.9M Net income, FY2024: 66.7M Revenue, FY2025: 11.1M Net income, FY2025: 71.1M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $44.2M $60.9M $83.9M $129.8M $13.7M $23.1M $26.9M $27.9M $23.9M $11.1M
Gross profit — — — — — — — — — —
Net income $5.0M $12.4M $25.6M $30.1M $39.5M $60.6M $59.4M $77.3M $66.7M $71.1M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Other event Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Other event Item 8.01
  • Regulation FD disclosure Item 7.01
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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