MCB

Based on Metropolitan Bank Holding Corp.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Metropolitan Bank Holding Corp. do?

Metropolitan Bank Holding Corp. is the parent of Metropolitan Commercial Bank, which provides business, commercial, and retail banking services across the New York metropolitan area. It serves small businesses, middle-market companies, public entities, and individuals through six banking centers in Manhattan, Brooklyn, Great Neck, and Long Island.

Does MCB pay dividends?

Yes, Metropolitan Bank Holding Corp. pays a regular dividend. This distinguishes it from many community banks that retain all earnings for capital growth. Investors seeking income should confirm current dividend details and payment schedules through the company's investor relations page, as amounts can change.

When does MCB report earnings?

MCB reports earnings quarterly, in line with standard US-listed bank holding company practice. Specific report dates are announced in advance through the company's investor relations page. Our platform does not publish forward earnings dates, so we recommend checking there for the most current schedule.

Is MCB a good stock to buy?

UQS Score rates MCB as Good overall. The stock shows strength in Quality and Risk, with an Attractive Valuation rating. The Moat pillar is Weak, which is typical for community banks. Whether MCB fits your portfolio depends on your investment goals — the full pillar analysis is available to Pro members.

Is MCB overvalued?

The UQS Valuation pillar for MCB is rated Attractive, suggesting the stock is not considered expensive relative to its fundamentals. For community banks, valuation is often assessed relative to book value and earnings power. The complete valuation metrics are accessible through a UQS Pro membership.

How does MCB compare to its competitors?

MCB competes with regional community banks such as HBT Financial, Five Star Bancorp, and Horizon Bancorp. Unlike these peers, MCB is specifically concentrated in the New York metropolitan market. Each competitor operates in different geographies with distinct loan mix profiles. UQS Pro members can view side-by-side pillar comparisons.

What is MCB's market cap bracket?

MCB is classified as a small-cap stock. This places it among smaller publicly traded companies, which typically carry different liquidity and volatility characteristics compared to large-cap or mega-cap peers. Small-cap community banks often trade at lower volumes and may be less covered by institutional research.

Who founded Metropolitan Bank Holding Corp.?

Metropolitan Commercial Bank was founded in 1999, with the holding company structure established in 2017. Founding and leadership history is publicly available through the company's official website and SEC filings for investors who want to research the management team's background.

Is MCB a long-term quality investment?

From a quality indicator perspective, MCB's Good UQS Score reflects sound fundamentals in Quality and Risk, paired with an Attractive Valuation. The Weak Moat rating is worth monitoring over time, as competitive positioning matters for long-term durability. Pro members can track pillar trends as new data is incorporated.

What is the main competitive advantage of Metropolitan Bank Holding Corp.?

MCB's primary advantage lies in its deep local relationships within the New York metropolitan market, serving small businesses and middle-market clients who value personalized service. However, the UQS Moat pillar is rated Weak, reflecting the structural challenge community banks face competing against larger institutions and digital-first lenders.

What sector does MCB belong to?

MCB operates in the Financial Services sector, specifically within the community and regional banking industry. Banks in this segment generate revenue primarily through the spread between interest earned on loans and interest paid on deposits, supplemented by fee-based services like cash management and trade finance.

Metropolitan Bank Holding Corp. shows solid profitability with healthy returns on capital and reasonable margins.

Metropolitan Bank Holding Corp. shows steady but unspectacular growth, typical for mature companies.

Metropolitan Bank Holding Corp. has some risk factors including moderate leverage or solvency concerns.

Metropolitan Bank Holding Corp. appears attractively valued relative to its earnings, cash flows, and sector peers.

Metropolitan Bank Holding Corp. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for MCB.

The UQS (Unified Quality Score) for Metropolitan Bank Holding Corp. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Metropolitan Bank Holding Corp.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Metropolitan Bank Holding Corp. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.