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Upturn AI SWOT - About
Metropolitan Bank Holding (MCB)
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Upturn Advisory Summary
06/30/2025: MCB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $78
1 Year Target Price $78
| 1 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 53.1% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 747.70M USD | Price to earnings Ratio 11.85 | 1Y Target Price 78 |
Price to earnings Ratio 11.85 | 1Y Target Price 78 | ||
Volume (30-day avg) 3 | Beta 1.08 | 52 Weeks Range 40.21 - 71.77 | Updated Date 06/30/2025 |
52 Weeks Range 40.21 - 71.77 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.92 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.7% | Operating Margin (TTM) 39.84% |
Management Effectiveness
Return on Assets (TTM) 0.89% | Return on Equity (TTM) 9.47% |
Valuation
Trailing PE 11.85 | Forward PE - | Enterprise Value 874946048 | Price to Sales(TTM) 2.76 |
Enterprise Value 874946048 | Price to Sales(TTM) 2.76 | ||
Enterprise Value to Revenue 3.74 | Enterprise Value to EBITDA - | Shares Outstanding 10660100 | Shares Floating 9362561 |
Shares Outstanding 10660100 | Shares Floating 9362561 | ||
Percent Insiders 5.78 | Percent Institutions 91.88 |
Analyst Ratings
Rating 2 | Target Price 78 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Metropolitan Bank Holding
Company Overview
History and Background
Metropolitan Bank Holding Corp. was founded in 2005. It operates through its subsidiary, Metropolitan Commercial Bank, providing a range of business and personal banking services, focusing on niche markets like commercial real estate and digital currency businesses. They operate banking centers in Manhattan, New York, and Great Neck, New York.
Core Business Areas
- Commercial Banking: Provides commercial lending, deposit products, and cash management services to businesses of various sizes.
- Commercial Real Estate Lending: Offers financing for commercial real estate projects, including acquisition, development, and refinancing.
- Digital Currency Banking: Provides banking services to companies involved in the cryptocurrency industry.
- Retail Banking: Provides traditional retail banking products such as checking and savings accounts, and personal loans.
Leadership and Structure
Mark R. DeFazio serves as President and CEO. The organizational structure is typical for a bank holding company, with a board of directors overseeing senior management responsible for different business segments.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for various commercial real estate projects. Market share data is not publicly available for this specific product segment, but the CRE loan market is highly competitive. Competitors include larger national and regional banks, as well as specialty finance companies.
- Commercial Loans: Loans to businesses for various purposes. Market share data is not publicly available. Competitors include: JPM, BAC, WFC, C
- Digital Currency Banking Services: Banking services tailored to digital currency businesses. While exact market share is unavailable, they are a leader in this emerging niche. Competitors include Signature Bank (SBNY), which faced regulatory issues and was subsequently shut down, and Silvergate Capital (SI), which also struggled and wound down operations, leaving Metropolitan as a notable player. However, regulatory scrutiny and the overall volatile nature of the cryptocurrency market pose challenges.
Market Dynamics
Industry Overview
The banking industry is currently facing a complex environment due to rising interest rates, regulatory changes, and technological advancements. Increased competition from fintech companies is also reshaping the landscape.
Positioning
Metropolitan Bank Holding positions itself as a relationship-focused bank with expertise in niche markets such as commercial real estate and digital currencies. Their focus on specialized sectors provides a competitive advantage.
Total Addressable Market (TAM)
The TAM for banking services in the New York metropolitan area is substantial, estimated in the hundreds of billions of dollars. Their position within the Commercial Real Estate and Cryptocurrency niches represents a smaller, yet significant, portion of the overall TAM. The TAM for digital assets globally is expected to reach into the trillions of USD in the future.
Upturn SWOT Analysis
Strengths
- Strong relationships with niche market clients
- Experienced management team
- Solid capital base
- Strategic focus on commercial banking
Weaknesses
- Concentration in specific geographic areas
- Higher risk associated with digital currency clients
- Smaller size compared to larger national banks
- Potential for regulatory scrutiny in niche banking sectors
Opportunities
- Expansion into new geographic markets
- Increased demand for banking services from digital currency businesses
- Development of new products and services
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Changes in regulations affecting the banking industry
- Economic downturn impacting commercial real estate values
- Volatility in the cryptocurrency market
Competitors and Market Share
Key Competitors
- JPMorgan Chase & Co (JPM)
- Bank of America (BAC)
- Wells Fargo & Company (WFC)
- Citigroup (C)
Competitive Landscape
Metropolitan Bank Holding's advantage lies in its niche expertise, but it faces stiff competition from larger, more diversified banks. Their focus on specialized sectors creates a competitive advantage in those markets, however their overall financial strength relative to the other competitors mentioned is weaker.
Major Acquisitions
Global Payments, Inc.
- Year: 2016
- Acquisition Price (USD millions): 16.5
- Strategic Rationale: Increased Metropolitan Commercial Banku2019s existing commercial banking services.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require financial data for the past several years to calculate revenue growth, asset growth, and other relevant metrics.
Future Projections: Future projections are dependent on analyst estimates and market conditions. The cryptocurrency banking sector introduces increased uncertainty.
Recent Initiatives: Recent initiatives should be gathered from company press releases, investor presentations, and SEC filings.
Summary
Metropolitan Bank Holding is a smaller bank that capitalizes on niche markets, particularly with commercial real estate and more recently digital currencies which comes with higher risks and scrutiny. Their niche focus gives them expertise, but they remain smaller and weaker financially than national competitors. They need to be mindful of regulations, market shifts and economic downturns. Their profitability depends on the growth and success of their commercial clients.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is subject to change. Market share data is based on available public resources and estimates. Actual performance may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Metropolitan Bank Holding
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2017-11-08 | President, CEO & Director Mr. Mark R. DeFazio | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 291 | Website https://www.mcbankny.com |
Full time employees 291 | Website https://www.mcbankny.com | ||
Metropolitan Bank Holding Corp. operates as the bank holding company for Metropolitan Commercial Bank that provides a range of business, commercial, and retail banking products and services. The company offers checking, savings, term deposit, money market, non-interest-bearing demand deposit, and other time deposits. It also provides lending products, including commercial real estate; multi-family; construction; one-to four-family real estate loans; commercial and industrial loans; consumer loans, including purchased student loans; acquisition and renovation loans; loans to refinance or return borrower equity; loans on owner-occupied properties; working capital lines of credit; trade finance; letters of credit; and term loans. In addition, the company offers cash management services, as well as online and mobile banking, ACH, remote deposit capture, and debit cards products, as well as merchant services. It serves small businesses, middle-market enterprises, public entities, and individuals. The company was formerly known as Metbank Holding Corp. and changed its name to Metropolitan Bank Holding Corp. in January 2007. Metropolitan Bank Holding Corp. was incorporated in 1997 and is headquartered in New York, New York.
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