MCB · Metropolitan Bank Holding Corp.
$91.63
+0.22 (+0.24%)
At close · Aug 20
Market Cap
$1.13B
Shares
12.40M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$91.63
Open$91.03
Day$90.75–92.46
52W close$65.64–101.36
Avg vol 30d147K
Short int636K · 5.1% float · 3.2d
Short vol59%
Last earningsJul 22, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 31
Up next
Next earnings call
Oct 21, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 31, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+6%
above
Price vs 50-day avg
−4%
below
RSI (14)
41
neutral
MACD trend
Negative
52-week position
73%
mid-range
Momentum
relative strength
1-month return
+1%
trailing
6-month return
+9%
trailing
YTD return
+20%
this year
Relative strength
−2%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $95 › 200d $87 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +36 funds added
Insider flow
Distributing
Net -$2.5M over 90 days · 67% sells
Short interest
Falling
5.13% of float · ▼ -0.9% MoM · 3.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
202 holders — near 3-yr high, broad support
Squeeze score
57
elevated · 0–100
Fundamentals
Revenue growth
−54%
Y/Y
EPS growth
+12%
Y/Y
Free cash flow
$86.7M
Valuation
P/E 11.6
below peers
Buyback
$50.0M
remaining
Balance sheet
$393.6M
net cash
Quant / Vol
risk profile
Volatility
34%
annualized · 1-yr
Max drawdown
−19%
past year
ATR
2.5%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2026
Net interest income growth
· full year 2026
at least 20%
Net interest margin
· full year 2026
4.15% – 4.2%
Loan growth
· full year 2026
$1B
Prior guidance
period ended
· from the Earnings Call filed Mar 31, 2026
Digital transformation project costs
· second quarter 2026
$2M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+6%
Bullish
Price vs 50-day avg
−4%
Neutral
RSI (14)
41
Neutral
MACD trend
Negative
Bearish
52-week position
73%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $95 › 200d $87 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +36 funds added
Insider flow
Distributing
Net -$2.5M over 90 days · 67% sells
Short interest
Falling
5.13% of float · ▼ -0.9% MoM · 3.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
202 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $66
Now $92 · 73%
Range high $101
vs 200-day avg +6%
vs 50-day avg -4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Average Tangible Assets non-GAAP | 8.76B | Jun. 30, 2026 | — |
| Average Tangible Common Equity non-GAAP | 887.2M | Jun. 30, 2026 | — |
| CET1 Capital Ratio | 12.9% | 2Q 2026 | — |
| Cost of deposits | 2.57% | 2Q 2026 | — |
| CRE/RBC ratio | 304.1% | Jun. 30, 2026 | — |
| Efficiency Ratio | 55.7% | 2Q 2026 | — |
| Insured deposits | 74% | Jun. 30, 2026 | — |
| Liquidity (cash on deposit with FRBNY and available secured funding capacity) | 3.1B | Q2 2026 | — |
| Loan production | 718.9M | Q2 2026 | — |
|
|
|||
| Loans | $7.3B | 2Q 2026 | — |
| Loans/Deposits | 94.8% | 2Q 2026 | — |
| Net Charge-offs / Average Loans | 2% | 2Q 2026 | — |
| Net interest margin | 4.08% | Q2 2026 | — |
|
|
|||
| Net interest spread | 3.13% | Jun. 30, 2026 | — |
| Pre-tax, Pre-Provision Net Revenue / Average Assets non-GAAP | 1.92% | 2Q 2026 | — |
| Ratio of non-performing loans to total loans | 0.91% | Q2 2026 | — |
| ROAA | 0.86% | 2Q 2026 | — |
| ROAE | 8% | 2Q 2026 | — |
| ROATCE non-GAAP | 8.1% | 2Q 2026 | — |
| Tangible Assets non-GAAP | 8.85B | Jun. 30, 2026 | — |
| Tangible Book Value per Share non-GAAP | $77.32 | 2Q 2026 | — |
| Tangible Common Equity (book value) non-GAAP | 958.43M | Jun. 30, 2026 | — |
| TCE/TA Ratio non-GAAP | 10.8% | 2Q 2026 | — |
| Tier 1 Leverage Ratio | 11.3% | 2Q 2026 | — |
| Tier 1 Risk-Based (Metropolitan Bank Holding Corp.) | 13.2% | Jun. 30, 2026 | — |
| Tier 1 Risk-Based (Metropolitan Commercial Bank) | 12.9% | Jun. 30, 2026 | — |
| Total cost of deposits | 2.58% | Six months ended Jun. 30, 2026 | — |
| Total non-owner-occupied CRE loans as percentage of total risk-based capital | 304.1% | Q2 2026 | — |
| Total risk-based capital ratio (Bank) | 13.7% | Q2 2026 | — |
| Total risk-based capital ratio (Company) | 14% | Q2 2026 | — |
| Uninsured Deposit Coverage Ratio | 156% | Jun. 30, 2026 | — |
| Weighted average LTV | 63% | Jun. 30, 2026 | — |
| Yield on average earning assets | 6.35% | Jun. 30, 2026 | — |
| Total risk-based capital ratios (Bank) | 14.3% | March 31, 2026 | — |
| Total risk-based capital ratios (Company) | 14.6% | March 31, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
MCB
this stock
Metropolitan Bank Holding Corp.
|
$1.13B | +20.0% | -53.8% | 11.6 | 5.1% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| MCB | -2.9% | +0.9% | +8.9% | -0.9% | +20.0% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -1.0% | -2.4% | -2.3% | -3.0% | +8.2% |
Capital returns
Latest dividend
$0.35
/ share · ex Jul 31, 2026
Paid (TTM)
$0.95
/ share · 4 payouts
Dividend yield (TTM, derived)
1.04%
Buyback program
· as of Jun 30, 2026
Authorized
$50.00M
Spent (derived)
$0
Remaining
$50.00M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1476034
CUSIP
591774104
13F (30d)
191 filings
189 filers
Visit website
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