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Upturn AI Summary - About
Metropolitan Bank Holding(MCB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MCB
10/23/2026: MCB (1-star) is currently NOT-A-BUY. Pass it for now.
Metropolitan Bank Holding Corp. is a regional bank focused on commercial and business banking within the New York metropolitan area. The company is currently undergoing a strategic shift to reduce risk by exiting volatile niche business segments and focusing on core commercial lending. Its primary strength lies in its specialized relationship management, while its most significant challenges involve navigating strict regulatory requirements and managing geographic concentration risks. Investors should monitor the bank's success in stabilizing its deposit base and maintaining asset quality during this transition. This stock may suit investors interested in regional bank recovery stories, though it lacks the dividend income often sought in this sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is currently in a restructuring phase focused on stability rather than aggressive growth. |
| Momentum investor | Weak fit | The stock lacks the consistent upward trend typically required by momentum strategies. |
| Value investor | Strong fit while signal remains positive | The stock is often evaluated based on price-to-book ratios relative to other regional banks. |
| Dividend investor | Weak fit | The company does not pay a regular dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | The bank's exposure to regulatory shifts and sector concentration introduces significant volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock experiences significant price swings driven by sector news and regulatory updates. |
| Valuation risk | Medium | Market sentiment toward regional banks heavily influences the valuation multiple. |
| Competition risk (banking) | Medium / high | Large national banks and agile fintechs squeeze margins on core services. |
| Business quality | Medium | The bank is transitioning its business model to reduce risk, which impacts near-term profitability. |
| Dividend income | Low / none | No dividend payments are made to shareholders. |
| Execution risk | Medium / high | Successfully exiting legacy business segments while maintaining core deposits is complex. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 38.01% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.20B USD | Price to earnings Ratio 10.05 | 1Y Target Price 107.67 |
Price to earnings Ratio 10.05 | 1Y Target Price 107.67 | ||
Volume (30-day avg) 147.8K shares | Beta 1.04 | 52 Weeks Range 64.09 - 101.66 | Updated Date 10/24/2026 |
52 Weeks Range 64.09 - 101.66 | Updated Date 10/24/2026 | ||
Dividends yield (FY) 0.99% | Basic EPS (TTM) 9.64 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial Banking | Interest income from commercial real estate and business loans. | The bank earns most of its money from interest collected on loans to local businesses. |
| Deposit Services | Net interest margin derived from the spread between deposit costs and loan yields. | The bank profits by paying lower interest on customer deposits than it earns from lending that money out. |
| Geography: NY/NJ Metro | Concentrated regional operations within the New York City metropolitan area. | The bank's health is closely tied to the economic performance of the New York regional economy. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-20 | When After Market | Estimate 2.38 | Actual 2.58 |
Profitability
Profit Margin 31.85% | Operating Margin (TTM) 49.1% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 13.12% |
Valuation
Trailing PE 10.05 | Forward PE - | Enterprise Value 979.75M | Price to Sales(TTM) 3.42 |
Enterprise Value 979.75M | Price to Sales(TTM) 3.42 | ||
Enterprise Value to Revenue 3.41 | Enterprise Value to EBITDA - | Shares Outstanding 12.40M | Shares Floating 11.14M |
Shares Outstanding 12.40M | Shares Floating 11.14M | ||
Percent Insiders 4.94 | Percent Institutions 94.21 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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