Metropolitan Bank Holding (MCB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Metropolitan Bank Holding stock (MCB) is currently trading at $82.12. Metropolitan Bank Holding PE ratio is 12.14. Metropolitan Bank Holding PS ratio (Price-to-Sales) is 3.60. Analyst consensus price target for MCB is $103.50. WallStSmart rates MCB as Moderate Buy.
- MCB PE ratio analysis and historical PE chart
- MCB PS ratio (Price-to-Sales) history and trend
- MCB intrinsic value — DCF, Graham Number, EPV models
- MCB stock price prediction 2025 2026 2027 2028 2029 2030
- MCB fair value vs current price
- MCB insider transactions and insider buying
- Is MCB undervalued or overvalued?
- Metropolitan Bank Holding financial analysis — revenue, earnings, cash flow
- MCB Piotroski F-Score and Altman Z-Score
- MCB analyst price target and Smart Rating
Metropolitan Bank Holding
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MCB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Metropolitan Bank Holding (MCB)
MCB trades at a significant discount to its Graham intrinsic value of $309.82, offering a 70% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Metropolitan Bank Holding (MCB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Metropolitan Bank Holding (MCB) Key Strengths (6)
Keeps $50 of every $100 in revenue after operating costs
Earnings per share surging 47.30% year-over-year
Keeps $26 of every $100 in revenue as net profit
73.68% of shares held by major funds and institutions
Trading at 1.34x book value, attractively priced
Strong revenue growth at 23.10% annually
Supporting Valuation Data
Metropolitan Bank Holding (MCB) Areas to Watch (3)
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.60x sales
Metropolitan Bank Holding (MCB) Detailed Analysis Report
Overall Assessment
This company scores 70/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 6 register as strengths (avg 9.3/10) while 3 fall into concern territory (avg 4.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.34) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 50.00%, Profit Margin at 25.60%. Growth metrics are encouraging with Revenue Growth at 23.10%, EPS Growth at 47.30%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (3.60) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 9.65%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.65% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 23.10% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
MCB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
MCB's Price-to-Sales ratio of 3.60x sits near its historical average of 3.24x (59th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 58% below its historical high of 8.65x set in Nov 2017, and 249% above its historical low of 1.03x in Mar 2024. Over the past 12 months, the PS ratio has expanded from ~1.1x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Metropolitan Bank Holding (MCB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Metropolitan Bank Holding is a strong growth company balancing expansion with improving profitability. Revenue reached 278M with 23% growth year-over-year. Profit margins are strong at 25.6%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 25.6% and operating margin of 50.0% demonstrate strong pricing power and operational efficiency.
Generating 28M in free cash flow and 31M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Growth sustainability: can Metropolitan Bank Holding maintain 23%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Metropolitan Bank Holding.
Bottom Line
Metropolitan Bank Holding offers an attractive blend of growth (23% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Metropolitan Bank Holding(MCB)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Metropolitan Bank Holding Corp. The company is headquartered in New York, New York.