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Upturn AI SWOT - About
Metropolitan Bank Holding (MCB)
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Upturn Advisory Summary
09/17/2025: 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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $90.33
1 Year Target Price $90.33
| 1 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 48.54% | 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 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 807.24M USD | Price to earnings Ratio 12.55 | 1Y Target Price 90.33 |
Price to earnings Ratio 12.55 | 1Y Target Price 90.33 | ||
Volume (30-day avg) 3 | Beta 1.16 | 52 Weeks Range 46.98 - 81.33 | Updated Date 09/17/2025 |
52 Weeks Range 46.98 - 81.33 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 6.17 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.08% | Operating Margin (TTM) 42.61% |
Management Effectiveness
Return on Assets (TTM) 0.91% | Return on Equity (TTM) 9.72% |
Valuation
Trailing PE 12.55 | Forward PE - | Enterprise Value 895396416 | Price to Sales(TTM) 2.94 |
Enterprise Value 895396416 | Price to Sales(TTM) 2.94 | ||
Enterprise Value to Revenue 3.54 | Enterprise Value to EBITDA - | Shares Outstanding 10421400 | Shares Floating 9166754 |
Shares Outstanding 10421400 | Shares Floating 9166754 | ||
Percent Insiders 5.93 | Percent Institutions 92.33 |
Upturn AI SWOT
Metropolitan Bank Holding
Company Overview
History and Background
Metropolitan Bank Holding Corp. was founded in 1999. It operates as the bank holding company for Metropolitan Commercial Bank, offering a range of banking products and services primarily in the New York metropolitan area.
Core Business Areas
- Commercial Banking: Offers commercial loans, real estate financing, and treasury management services to businesses.
- Retail Banking: Provides deposit accounts, personal loans, and other retail banking products to individuals.
- Digital Banking: Provides payments and financial services solutions to fintechs.
Leadership and Structure
Mark R. DeFazio serves as the President and CEO. The organizational structure includes various departments such as commercial lending, retail banking, and operations, all reporting to senior management and the board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans targeting small and medium-sized businesses. Market share data isn't readily available, but competitors include larger national and regional banks. Competitors: JPM, BAC, WFC
- Real Estate Financing: Provides financing for commercial real estate projects. Revenue is tied to interest income and fees. Competitors: Signature Bank (SBNY), New York Community Bancorp (NYCB)
- Digital Payments Platform: Provides Payments and fintech solutions for companies in a digital environment. Total revenue and Market Share unavailable. Competitors: Cross River Bank, Evolve Bank and Trust
Market Dynamics
Industry Overview
The banking industry is undergoing significant changes driven by technological advancements, regulatory pressures, and increasing competition. Consolidation and fintech disruption are key trends.
Positioning
Metropolitan Bank Holding is positioned as a relationship-focused commercial bank with a strong presence in the New York market and fintech focus. Its competitive advantage lies in personalized service and local market expertise.
Total Addressable Market (TAM)
The US commercial banking market is estimated at several hundred billion dollars. MCB positions itself by specializing in niche market, particularly fintech and NYC real estate, which make up a portion of the larger total market address.
Upturn SWOT Analysis
Strengths
- Strong presence in the New York metropolitan area
- Experienced management team
- Focus on relationship banking
- Growing Payments solutions
Weaknesses
- Limited geographic diversification
- Reliance on commercial lending
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growing fintech industry
Threats
- Increasing competition from larger banks and fintech companies
- Regulatory changes
- Economic downturns
- Rising interest rates
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- NYCB
Competitive Landscape
MCB faces competition from larger national banks and smaller regional players. It differentiates itself through personalized service and local market knowledge in New York and specialization in fintech.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by organic expansion and strategic initiatives.
Future Projections: Analyst estimates suggest continued growth in commercial lending and fee income from digital payments, however actual financial data is needed.
Recent Initiatives: Focus on expanding payments services and enhancing digital banking capabilities.
Summary
Metropolitan Bank Holding is a commercial bank focusing on the New York metropolitan area and specializing in the digital payments and financial services niche for fintechs. Its strengths include a local presence and focus on relationship banking, but it faces challenges from larger competitors. Recent initiatives aim to expand payments capabilities and improve digital banking. The company's future growth will depend on its ability to navigate the competitive landscape and capitalize on market opportunities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, analyst estimates, and publicly available information.
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Data accuracy is subject to source availability.
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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