Metropolitan Bank Holding Corp. (MCB)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
$95.08-2.66%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · MCB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -14.9% |
| Our one-year growth estimate | diamond | -18.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 4.0 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
MCB — dividend update
Dated 2026-10-19
Other Events On October 19, 2026, the board of directors of Metropolitan Bank Holding Corp. (the “Company”) declared a quarterly cash dividend of $0.40 per share on the Company’s common stock (the “Dividend”), an increase of $0.05 from the prior quarterly dividend of $0.35 per share. The Dividend is payable on November 10, 2026 to holders of record of the Company’s common stock at the close of business on October 30, 2026.
Why it matters: Loans grew 2.8% in Q3, while deposits grew 7.6%. If loans grow faster, the bank may need more funding.
Worry ifQ4 loans grow faster than deposits. In Q3, loans were $7.5 billion and deposits were $8.3 billion.
Less concerning ifQ4 deposits grow at least as fast as loans, and total deposits remain at or above $8.3 billion.
Why it matters: CRE loans grew by $859.3 million from a year earlier. A higher share of capital tied to these loans may raise risk.
Worry ifNon-owner CRE loans rise above 315% of total risk-based capital, up from 301.1% in Q3.
Less concerning ifThe ratio stays at or below 301.1%, while total risk-based capital remains at least 13.5%.
Why it matters: A single CRE loan pushed the ratio up to 0.95% in Q3. A larger rise may point to more loan trouble.
Worry ifQ4 non-performing loans exceed 1.20% of total loans, above the Q3 level of 0.95%.
Less concerning ifThe ratio stays at or below 0.95%, with no new large loan placed on non-accrual status.
Why it matters: The board raised the quarterly dividend to $0.40. Keeping it at that level would show continued cash returns to shareholders.
Supportive ifThe board declares a Q4 dividend of at least $0.40 per share.
Worry ifThe board cuts the quarterly dividend below $0.40 per share or does not declare one.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$75 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $262 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,871 loss on $10,000 · 18.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Q3 diluted earnings per share rose to $2.58 from $1.54 in Q2. A sharp drop would test whether that gain can last.
Watch forQ4 diluted earnings per share exceed $2.00, with net interest margin above 4.08%.
Also watch forQ4 diluted earnings per share fall below $1.54, the Q2 level.
Why it matters: Q3 margin rose to 4.36%, helped by lower funding costs and loan payoff fees. A drop would test how much of the gain can last.
Watch forQ4 net interest margin stays above 4.08%, the Q2 level, and cost of funds stays at or below 250 basis points.
Also watch forQ4 net interest margin falls to 4.08% or less, or cost of funds rises above 250 basis points.