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/MCB
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Metropolitan Bank Holding Corp

Metropolitan Bank Holding Corp

MCB
$98.45USD↓-2.87%-2.91 today

MARKET CAP

1.2B

P/E (TTM)

12.1x

FWD P/E

9.1x

DAY RANGE

$98 – $101

52W RANGE

$65
$102

AI Summary

Stalk
Buy NowMedium

MCB remains in a high-confidence Stage 2 advance within a secular uptrend, with bullish medium- and long-term biases supported by persistent higher-high/higher-low structure and rising EMAs. Despite an overbought context, price is holding a pullback into the rising 9/21 EMAs and prior resistance turned support, offering a favorable entry for continuation participation.

  • ↑Loan portfolio grew $235M (5.1%) this quarter, supporting $1B 2026 target
  • ↑Deposits rose $363M (≈5%), boosting liquidity and funding stability
  • ↓Charge-offs totaled $12.3M on three loans, raising asset quality concerns
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The case for & against

Bull & Bear analysis

Bullish

Metropolitan Commercial Bank (NYSE: MCB) is a prominent financial institution focused on commercial banking services primarily in the New York City market. The bank has established itself through a strategic emphasis on disciplined risk management, client onboarding, and specialized financial services, particularly in iGaming and HUD-related activities. MCB possesses a solid reputation in the banking sector, providing tailored solutions to businesses and institutions while fostering long-term relationships with clients.

Bull says

  • ↑Loan portfolio grew $235M (5.1%) this quarter, supporting $1B 2026 target
  • ↑Deposits rose $363M (≈5%), boosting liquidity and funding stability
  • ↑NIM reached 4.08%, with guidance for 4.15–4.20% by year-end
  • ↑EPS of $2.92 beat estimates by 25%, reflecting operational efficiency
  • ↑High earnings yield and low leverage indicate attractive valuation
  • ↑Share repurchase program of $50M underpins management’s confidence

Bear says

  • ↓Charge-offs totaled $12.3M on three loans, raising asset quality concerns
  • ↓Interest income fell $2.5M QoQ, weighing on profitability
  • ↓Negative profitability factors signal challenges generating profit from revenue
  • ↓Digital transformation costs may delay efficiency gains and increase expenses
  • ↓Concentration in specialized deposits exposes MCB to liquidity volatility
  • ↓Adverse macro shifts could force higher loan provisions and credit losses

Investment themes with MCB

Buybacks↑ +0.48%

Companies repurchasing their own shares

C · JCI · WFC
Regional Banks↑ +0.50%

FLG · TCBI · ZION

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-24-2026bullish

Transcript signals

Bull points

  • The loan book increased by about $235 million, and the pace of loan growth is in line with our guidance of $1 billion in net growth for 2026.
  • Looking forward, our current loan pipelines remain very strong, with loan opportunities at various stages of underwriting totaling more than $1.2 billion.
  • our deposit growth continues to outpace our loan growth. In the first quarter, we grew deposits by about $363 million, or approximately 5%.

Bear points

  • Our first quarter interest income was down by about $2.5 million compared to the prior quarter.
  • the charge-off of three loans totaling $12.3 million,
Read full transcript analysis ›