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Upturn AI SWOT - About
Metropolitan Bank Holding (MCB)
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Upturn Advisory Summary
08/28/2025: 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 51.03% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 827.56M USD | Price to earnings Ratio 12.87 | 1Y Target Price 90.33 |
Price to earnings Ratio 12.87 | 1Y Target Price 90.33 | ||
Volume (30-day avg) 3 | Beta 1.14 | 52 Weeks Range 46.98 - 80.46 | Updated Date 08/29/2025 |
52 Weeks Range 46.98 - 80.46 | Updated Date 08/29/2025 | ||
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 12.87 | Forward PE - | Enterprise Value 915718080 | Price to Sales(TTM) 3.02 |
Enterprise Value 915718080 | Price to Sales(TTM) 3.02 | ||
Enterprise Value to Revenue 3.61 | Enterprise Value to EBITDA - | Shares Outstanding 10421400 | Shares Floating 9156332 |
Shares Outstanding 10421400 | Shares Floating 9156332 | ||
Percent Insiders 6.01 | Percent Institutions 92.34 |
Upturn AI SWOT
Metropolitan Bank Holding
Company Overview
History and Background
Metropolitan Bank Holding Corp. was founded in 2005 and is headquartered in New York, NY. It operates as the bank holding company for Metropolitan Commercial Bank, providing a range of business and personal banking services.
Core Business Areas
- Commercial Banking: Offers commercial lending, deposit services, and cash management solutions to businesses of various sizes.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and personal loans.
- Digital Banking: Offers online and mobile banking platforms for convenient access to banking services.
- Global Payments: Facilitates international payments and foreign exchange services, catering to businesses with global operations.
Leadership and Structure
Mark R. DeFazio serves as the President and CEO. The company has a board of directors overseeing its strategic direction and governance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data specific to Metropolitan Bank Holding is not readily available, but the commercial real estate loan market is highly competitive. Competitors include larger national banks and regional players.
- Commercial & Industrial (C&I) Loans: Loans to businesses for working capital, equipment, and other needs. Market share data for Metropolitan Bank Holding specifically is unavailable. Competitors include JPMorgan Chase (JPM), Bank of America (BAC), and other regional banks.
- Digital Payment Solutions: Services for facilitating online and mobile payments. Market share is difficult to ascertain without proprietary data, but fintech companies such as PayPal (PYPL) and Square (SQ) are significant competitors.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased competition from fintech companies, and regulatory scrutiny. Digital transformation and cybersecurity are also key trends.
Positioning
Metropolitan Bank Holding is a regional bank that focuses on providing personalized service and specialized financial solutions, particularly in the New York metropolitan area. Its competitive advantages include strong local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the New York metropolitan area is estimated to be in the billions of dollars. Metropolitan Bank Holding aims to capture a larger share of this market by focusing on niche markets and providing tailored financial solutions.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Focus on customer relationships
- Diversified revenue streams
Weaknesses
- Smaller size compared to national banks
- Geographic concentration in the New York area
- Higher operating expenses compared to larger banks
- Reliance on traditional banking products
Opportunities
- Expanding into new geographic markets
- Developing new digital banking products
- Acquiring smaller banks or fintech companies
- Growing the wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- CIT
- NYCB
- USB
Competitive Landscape
Metropolitan Bank Holding faces intense competition from larger national banks with greater resources. Its advantages lie in its local market expertise and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth rates vary depending on the time period. Investors are best directed to current and past quarterly and annual reports.
Future Projections: Future growth projections are based on analyst estimates, which vary and are subject to change. Investors are best directed to analyst reports.
Recent Initiatives: Recent initiatives include expanding digital banking offerings, increasing commercial lending activities, and focusing on customer acquisition and retention.
Summary
Metropolitan Bank Holding is a smaller regional bank competing in a crowded market, demonstrating solid performance with potential for growth through strategic initiatives and local expertise. It faces threats from larger competitors and economic volatility but has opportunities to expand its digital offerings and geographic reach. The company's success hinges on its ability to maintain strong customer relationships and adapt to evolving market dynamics. Further analysis of current financial reports is recommended for any investor to get accurate numbers.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry News
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on publicly available information and may not be precise. Consult with a financial advisor before making any investment decisions.
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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