Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
Metropolitan Bank Holding (MCB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
11/05/2025: MCB (1-star) is currently NOT-A-BUY. Pass it for now.
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 $87.33
1 Year Target Price $87.33
| 1 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 41.39% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 687.41M USD | Price to earnings Ratio 11.46 | 1Y Target Price 87.33 |
Price to earnings Ratio 11.46 | 1Y Target Price 87.33 | ||
Volume (30-day avg) 3 | Beta 1.16 | 52 Weeks Range 46.88 - 81.15 | Updated Date 11/6/2025 |
52 Weeks Range 46.88 - 81.15 | Updated Date 11/6/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.78 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 2.08 | Actual 0.67 |
Profitability
Profit Margin 24.35% | Operating Margin (TTM) 21.71% |
Management Effectiveness
Return on Assets (TTM) 0.81% | Return on Equity (TTM) 8.8% |
Valuation
Trailing PE 11.46 | Forward PE - | Enterprise Value 614445632 | Price to Sales(TTM) 2.63 |
Enterprise Value 614445632 | Price to Sales(TTM) 2.63 | ||
Enterprise Value to Revenue 3.41 | Enterprise Value to EBITDA - | Shares Outstanding 10382218 | Shares Floating 9169056 |
Shares Outstanding 10382218 | Shares Floating 9169056 | ||
Percent Insiders 5.9 | Percent Institutions 92.93 |
Upturn AI SWOT
Metropolitan Bank Holding
Company Overview
History and Background
Metropolitan Bank Holding Corp. was founded in 2005. It operates as the bank holding company for Metropolitan Commercial Bank, which provides a range of business and personal banking products and services.
Core Business Areas
- Commercial Banking: Offers commercial loans, real estate financing, and treasury management services to businesses.
- Personal Banking: Provides deposit accounts, mortgages, and other consumer banking products.
- Digital Payments: Facilitates payments and related services for various industries, including fintech companies.
Leadership and Structure
Mark R. DeFazio is the President and CEO. The company has a traditional corporate structure with a Board of Directors overseeing executive management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for commercial properties. Competitors include regional and national banks with CRE lending programs. Market share data is fragmented, but Metropolitan focuses on specific niches.
- Fintech Banking Services: Provides banking solutions for fintech companies, including payment processing and API banking. Competitors include Cross River Bank and Evolve Bank & Trust. Specific market share data is not publicly available.
Market Dynamics
Industry Overview
The banking industry is competitive and subject to regulatory changes. Fintech partnerships are increasingly important.
Positioning
Metropolitan Bank Holding positions itself as a niche player focusing on commercial banking and serving the fintech industry, offering personalized service and specialized expertise.
Total Addressable Market (TAM)
The TAM for banking services is in the trillions, including services to SMEs and Fintech. Metropolitan Bank Holding is positioned in specific market niches with potential for significant expansion.
Upturn SWOT Analysis
Strengths
- Strong focus on commercial real estate lending
- Expertise in serving the fintech industry
- Experienced management team
- Strategic location in the New York metropolitan area
Weaknesses
- Concentration risk in commercial real estate
- Smaller scale compared to larger national banks
- Dependence on specific industries (e.g., fintech)
- Higher cost of funds compared to larger competitors
Opportunities
- Expanding fintech partnerships
- Growth in commercial real estate lending
- Acquiring smaller banks
- Increasing demand for digital banking services
Threats
- Economic downturn affecting commercial real estate
- Increased regulatory scrutiny
- Competition from larger banks and fintech companies
- Rising interest rates impacting loan profitability
Competitors and Market Share
Key Competitors
- Signature Bank (SBNY)
- New York Community Bancorp (NYCB)
- BankUnited (BKU)
Competitive Landscape
Metropolitan Bank Holding competes with larger regional and national banks, as well as specialized fintech lenders. Its advantages include a focus on specific niches and personalized service. Its disadvantages are its smaller scale and potential concentration risks.
Growth Trajectory and Initiatives
Historical Growth: Needs specific historical growth info for this stock to be analyzed
Future Projections: Needs analyst data and projections to be analyzed
Recent Initiatives: Needs specific information and data of recent initiatives for this stock to be analyzed
Summary
Metropolitan Bank Holding is a niche commercial bank with expertise in serving the fintech industry. Its focus on commercial real estate and fintech banking provides opportunities for growth, but also exposes it to industry-specific risks. The company's smaller size makes it vulnerable to competition from larger players. Strategic partnerships and efficient risk management are crucial for its long-term success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- SEC Filings
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market data and financial information are subject to change. Actual results 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.