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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
09/25/2026: MCB (1-star) is currently NOT-A-BUY. Pass it for now.
Metropolitan Bank Holding Corp. is a regional bank that has built a niche reputation through specialized services for digital payment and fintech companies alongside traditional commercial lending. Its core strength lies in its relationship-driven model and expertise in complex business verticals. The primary growth opportunity involves deepening relationships within its target commercial markets, though this is balanced by risks including high regulatory scrutiny, concentration in specific deposit verticals, and potential commercial real estate headwinds. The stock is best suited for value-oriented investors who monitor the banking sector's regulatory and economic cycle. Key developments to watch include deposit base stability and shifts in credit quality.
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 bank's specialized model offers growth potential but is subject to significant regulatory and economic headwinds. |
| Momentum investor | Weak fit | The stock often reacts to sector-wide news rather than independent momentum triggers. |
| Value investor | Strong fit | The stock is often priced based on book value and regional bank valuation multiples. |
| Dividend investor | Weak fit | The company does not prioritize regular dividend payments. |
| Low-risk investor | Weak fit | The regional banking sector and the company's niche focus create higher volatility than a low-risk mandate prefers. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Banking stocks are sensitive to interest rate expectations and economic cycles. |
| Valuation risk | Medium | Valuations are tied to asset quality and broader regional bank sector sentiment. |
| Competition risk (Fintech/Banking) | Medium / high | Persistent competition for deposits and lending clients threatens margins. |
| Business quality | Medium | The business model relies on maintaining strong relationships in specific, sensitive industry verticals. |
| Dividend income | Low / none | The company does not provide a reliable dividend yield. |
| Execution risk | Medium | Effective risk management and credit underwriting are essential for long-term stability. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 34.26% | 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 09/25/2026 |
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 1.10B USD | Price to earnings Ratio 11.33 | 1Y Target Price 106 |
Price to earnings Ratio 11.33 | 1Y Target Price 106 | ||
Volume (30-day avg) 115.7K shares | Beta 0.97 | 52 Weeks Range 64.09 - 101.66 | Updated Date 09/25/2026 |
52 Weeks Range 64.09 - 101.66 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 0.85% | Basic EPS (TTM) 7.82 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way the bank makes profit by balancing lending and borrowing costs. |
| Non-Interest Income | Service fees, deposit account fees, and other banking service charges. | Secondary revenue stream from operational and service-based activities. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.33 | Forward PE - | Enterprise Value 891.49M | Price to Sales(TTM) 3.52 |
Enterprise Value 891.49M | Price to Sales(TTM) 3.52 | ||
Enterprise Value to Revenue 3.16 | Enterprise Value to EBITDA - | Shares Outstanding 12.40M | Shares Floating 11.25M |
Shares Outstanding 12.40M | Shares Floating 11.25M | ||
Percent Insiders 4.89 | Percent Institutions 93.3 |
Upturn AI Summary
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.
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.
About Metropolitan Bank Holding
Exchange NYSE | Headquarters New York, NY, United States | ||
IPO Launch date 2017-11-08 | Founder, President, CEO & Director Mr. Mark R. DeFazio | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 326 | Website https://www.mcbankny.com |
Full time employees 326 | 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. It offers checking, savings, term deposit, money market, non-interest-bearing demand deposit, and other time deposits. The company 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 on owner-occupied properties; loans to refinance or return borrower equity; working capital lines of credit; trade finance; letters of credit; and term loans. In addition, it offers cash management services, online and mobile banking, ACH, remote deposit capture, and debit cards products, and third-part 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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