Metropolitan Bank Holding Corp. (MCB)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$93.19+1.22%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
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 | -8.0% |
| Our one-year growth estimate | diamond | -15.9% |
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 2026-09-04.
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 7.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
MCB — earnings miss
Dated 2026-07-21
Results of Operations and Financial Condition On July 21, 2026, Metropolitan Bank Holding Corp. (the “Company”), the holding company for Metropolitan Commercial Bank (the “Bank”), issued a press release announcing its financial results for the second quarter of 2026. The press release containing the financial results is attached hereto as Exhibit 99.1 and shall not be deemed “filed” for any purpose, nor shall the information or Exhibit 99.1 be deemed incorporated by reference in any filings…
Why it matters: A steady or rising dividend shows trust in earnings and financial strength.
Supportive ifQ3 dividend announcement remains at or above $0.35 per share.
Worry ifQ3 dividend announcement drops below $0.35 per share.
Why it matters: If net income stays low, it shows earnings are under pressure. Investors may not like further drops.
Worry ifQ3 net income reported below $19 million.
Less concerning ifQ3 net income exceeds $19 million.
Why it matters: Growth in net interest income shows how well the bank manages loans and deposits.
Supportive ifQ3 net interest income increases year over year by more than 5%.
Worry ifQ3 net interest income growth is less than 5% year over year.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector. This would impact Metropolitan Bank's growth outlook.
Worry ifRevenue growth falls below the median of 15% over the last three years.
Less concerning ifRevenue growth stays above the median of 15%.
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 | $286 loss on $10,000 · 2.9% | 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: Net income dropped to $19.2 million in Q2. A recovery signals stability.
Supportive ifQ3 net income exceeds $25 million, showing recovery from Q2's decline.
Worry ifQ3 net income is still below $20 million. This shows ongoing challenges.
Why it matters: Consistent dividends show the company is financially strong. They also show a promise to give money back to shareholders.
Watch forThe board declares a quarterly cash dividend of $0.35 per share.
Also watch forThe board declares a lower quarterly cash dividend than $0.35 per share.
Why it matters: Doing well shows that management believes in the company's worth. It also shows they trust future results.
Supportive ifThe company announces the repurchase of at least $10 million worth of shares.
Worry ifNo shares are repurchased within the next quarter.
Why it matters: A lower ratio means better asset quality. It also shows good risk management.
Supportive ifThe ratio of non-performing loans to total loans decreases below 0.90%.
Worry ifThe ratio of non-performing loans to total loans increases above 1.00%.
Why it matters: Raising dividends means the company is making good money. It also shows they care about shareholders.
Supportive ifAnnouncement of a dividend increase above $0.35 per share in the next quarter.
Worry ifNo increase in the dividend next quarter may mean earnings pressure ahead.
Why it matters: Strong loan growth shows demand for credit and good lending strategies.
Supportive ifTotal loans grow by more than 4% in Q3 compared to Q2.
Worry ifTotal loans grow by less than 2% in Q3 compared to Q2.
Why it matters: A steady or higher dividend shows strong financial health and care for shareholders.
Supportive ifThe board declares a dividend equal to or greater than $0.35 per share.
Worry ifThe board declares a dividend less than $0.35 per share.