Metropolitan Bank Holding

MCB

Banks - Regional · Financial Services

Price

$98.45

-2.91 (-2.87%)

Market Cap

$1.03B

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+15.8% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 9.3M (2021) → 10.7M (2025)

Metropolitan Bank Holding Corp. is a regional bank based in New York City. It serves businesses, real estate investors, and wealthy individuals primarily in the New York metropolitan area. The bank offers standard financial services like loans, deposit accounts, and treasury management, with a focus on commercial real estate lending and private banking.

The bank makes money the traditional way — it takes in deposits and lends that money out at higher interest rates, earning the difference. With roughly $7 billion in total assets, it is a mid-sized regional bank competing against both large national banks and smaller community lenders in one of the most competitive banking markets in the country. Metropolitan Bank previously operated a global payments business, but exited that segment after regulatory issues in 2023, and the key risk going forward is its heavy concentration in commercial real estate loans, which can sour quickly if property values fall or interest rates stay elevated.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+12.3% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+101.4% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.0%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$12M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Metropolitan Bank Holding is a rare growth stock that's already generating positive cash flow while growing at 12%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

66.0%

Premium pricing power — 66.0% gross margin

Operating Margin

32.3%

Excellent — 32.3% operating margin

ROCE

4.5%

Weak — 4.5% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+9.5%

Steady sales growth (9.5% YoY)

EPS YoY

+37.9%

Earnings growing fast (37.9% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

103%

Turns 103% of profit into real cash

FCF Margin

15.2%

Converts sales into free cash efficiently (15.2%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.04

Conservative — low debt load (0.04)

Interest Cover

0.59x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

12.0x

Attractive valuation — P/E 12.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+2.6

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

0.76%

Small dividend — 0.76% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

N/A

no trend

Data not available

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