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Stock Ratings / Financials / MCB
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Metropolitan Bank Holding Corp. (MCB) — RQD Stock Rating Cockpit

$97.67 +2.30% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $97.89

Metropolitan Bank Holding Corp. (MCB) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $1.18B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MCB Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Metropolitan Bank Holding Corp. (NYSE: MCB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $97.67 (+2.30% 1D, market cap $1.18B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, MCB ranks #212 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MCB compare to AMTB and OSBC in the Financials sector?
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Within the Financials sector (Major Banks), MCB carries a Roarable C+ (66/100 RQD), trailing P/E of 16.8x, gross margin of —, and ROIC of 9.6%. By comparison, AMTB (Amerant Bancorp Inc. (Class A)) holds a C+ grade (66/100 RQD, P/E 22.4x, ROIC 5.6%, cap $1.17B) and OSBC (Old Second Bancorp Inc.) posts a C grade (62/100 RQD, P/E 15.6x, ROIC 9.0%, cap $1.24B). Among the 5-stock peer group, CTBI leads on earnings multiple (13.0x) while CTBI leads on capital efficiency (11.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MCB?
▼

Per MCB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001476034), Metropolitan Bank Holding Corp. generated $3.47B in revenue (+13.1% YoY), $71.1M in net income, and $88.7M in free cash flow against $8.26B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $97.88 (+0.22%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510066
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B- · Rk C-
Cash (12)Whales (14)SEC (13)Macro (11)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$119 Bull$101 Base$79 Bear
📬 FREE MCB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MCB)Realized 20D OHLCV Swing Band: ±5%
Deterministic 5-Pillar Attribution (66/100 Composite)
🔍 WHY MCB SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (21% of score)

20D Institutional Volume Accumulation (±5% realized swing band)

▼ #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)

Macro rate sensitivity & RSI-14 (62.6) create a -9 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
58
Grade C$86.31+3% Next Q
Q2 (-2Q)
61
Grade C$88.87+8.8% Next Q
Q3 (-1Q)
63
Grade C+$96.71+1% Next Q
Current
66
Grade C+$97.67+1.4% Hist 90D α
Trajectory: C (58) → C+ (66)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the MCB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, MCB faces multiple-compression risk if 16.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($90.52) or 200D SMA ($90.52) invalidates the momentum regime and cuts Target Base ($101.19) toward Bear Floor ($78.93).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MCB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “MCB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 66%NO 34%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
62.630 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE88% OF RANGE
L: $65$97.67H: $102
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 30 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C-RQD 24 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on MCB

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (60)

9.6% ROIC with 42.0% gross margin and 7.42% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (68)

30/40 institutional & smart-money positioning score with 11/20 macro alignment.

Bull Case: Why Buyers Like MCB
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (MCB Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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Join Founding VIP Waitlist (No Card Required) →$100K Arena
MCB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.10%⚡ TESTING RESISTANCE
2026-11-03O $96.43H $97.67L $95.47C $97.67VOL 124.2K
RES: $98.84SUP: $84.04SMA50: $90.52SMA200: $90.52
$103.6$97.11$90.62$84.13$77.63RES $98.84SUP $84.04$97.672026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MCB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MCB Butterfly Map → + Track MCB →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
9.6%/yr Implied 5Y Growth

vs. +13.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on MCB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MCB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for MCB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MCB)

Financials Rank #212 of 1097 ⚔️ AMTB vs MCB Full Matrix →

1. Head-to-Head Financials Peer Comparison (MCB vs. AMTB, OSBC, NBN, CTBI)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Metropolitan Bank Holding Corp. (MCB) ranks #212 by composite RQD confidence (66/100, grade C+) and #521 by equity capitalization ($1.18B). Within this direct 5-issuer industry benchmark cohort, CTBI leads on earnings valuation at 13.0x trailing P/E, while CTBI leads on capital efficiency and profitability with 11.5% ROIC and — gross margin. MCB currently leads its immediate peer cohort in composite quantitative strength at 66/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
MCB ACTIVE
Metropolitan Bank Holding Corp.
C+ 66/100 16.8x — 9.6% +2.30% $1.18B Benchmark Subject
AMTB
Amerant Bancorp Inc. (Class A)
C+ 66/100 22.4x — 5.6% +1.67% $1.17B /amtb-vs-mcb →
OSBC
Old Second Bancorp Inc.
C 62/100 15.6x — 9.0% +3.17% $1.24B /osbc-vs-mcb →
NBN
Northeast Bank
D 51/100 — — — +4.96% $1.12B /nbn-vs-mcb →
CTBI
Community Trust Bancorp Inc.
D+ 57/100 13.0x — 11.5% +1.52% $1.25B /ctbi-vs-mcb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001476034 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Metropolitan Bank Holding Corp. (MCB) reported GAAP revenue of $3.47B (+13.1% vs. FY2024 revenue of $3.07B , and +897.2% cumulative change since FY2023) , GAAP net income of $71.1M, operating cash flow of $88.7M, and free cash flow of $88.7M (-40.3% YoY). On the balance sheet, MCB closed FY2025 with $8.26B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $3.47B $71.1M $88.7M $88.7M $8.26B —
FY2024 (FY) 2024-12-31 $3.07B $66.7M $148.5M $148.5M $7.30B —
FY2023 (FY) 2023-12-31 $347.7M $77.3M $42.4M $42.4M — —

3. MCB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Metropolitan Bank Holding Corp. (NYSE: MCB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $97.67 (+2.30% 1D, market cap $1.18B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, MCB ranks #212 in composite RQD confidence.

How does MCB compare to AMTB and OSBC in the Financials sector?

Within the Financials sector (Major Banks), MCB carries a Roarable C+ (66/100 RQD), trailing P/E of 16.8x, gross margin of —, and ROIC of 9.6%. By comparison, AMTB (Amerant Bancorp Inc. (Class A)) holds a C+ grade (66/100 RQD, P/E 22.4x, ROIC 5.6%, cap $1.17B) and OSBC (Old Second Bancorp Inc.) posts a C grade (62/100 RQD, P/E 15.6x, ROIC 9.0%, cap $1.24B). Among the 5-stock peer group, CTBI leads on earnings multiple (13.0x) while CTBI leads on capital efficiency (11.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MCB?

Per MCB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001476034), Metropolitan Bank Holding Corp. generated $3.47B in revenue (+13.1% YoY), $71.1M in net income, and $88.7M in free cash flow against $8.26B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MCB trading relative to its 50-day, 200-day, and 52-week technical levels?

MCB last traded at $97.67 (+2.30% on volume of 180,531 shares), positioning the stock +7.90% above its 50-day simple moving average ($90.52) and +7.90% above its 200-day simple moving average ($90.52). Across its 52-week range of $64.66 to $102.04, MCB sits at the 88.3% percentile with a 14-day RSI of 62.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.0% ($92.79 to $102.55).

Direct Sub-Reports: MCB RQD Cockpit MCB 12M Forecast MCB Earnings & Move MCB Dividends & DRIP MCB Insiders & 13F MCB Whale Options MCB Profit Sankey MCB News & Why
ROARABLE RATING BRIEF • RQD 66/100 (C+) ✓ SEC XBRL & RQD VERIFIED

MCB — Metropolitan Bank Holding Corp.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Metropolitan Bank Holding Corp. (MCB) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $97.67 (+2.30% 1D, market capitalization $1.18B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 9.6%, gross margin of —, operating margin of —, and free cash flow yield of 7.42%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Metropolitan Bank Holding Corp. (MCB) is a NYSE-listed company in the Financials sector, operating in the Major Banks industry. The profile identifies it as a banking issuer with a market capitalization of $1.2B. — for specific product lines, customer segments, or revenue mix.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Metropolitan Bank Holding Corp. (MCB) reported $3.47B in annual revenue (up from $3.07B in FY2024, +13.1% YoY) and $71.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($347.7M revenue, $77.3M net income) through FY2025, MCB scaled operating cash flow to $88.7M and free cash flow to $88.7M, backed by $8.26B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 66/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.42% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $64.66 – $102.04 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 16.8x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for upstream or downstream dependencies, sector correlations beyond the beta of 1.0, or second-order bottlenecks. Investors should treat this section as unresolved rather than as evidence of low ripple risk.

  • Key Question #1: Can MCB sustain or expand its — operating margin and 9.6% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $3.47B and free cash flow of $88.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is MCB's 15.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

MCB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Metropolitan Bank Holding Corp. (MCB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to MCB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MCB Bull vs. Bear Conversation Board — What's Your Call at $97.67?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MCB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on MCB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $120.29 (+26.0%)
📌 Pinned Debate

Insider conviction scores 16/20 and the stock trades at a forward P/E of 15.6 with 7.42% FCF yield, while Q3 earnings reportedly beat e

Long MCB at $95.47 targeting $120.29. Insider conviction scores 16/20 and the stock trades at a forward P/E of 15.6 with 7.42% FCF yield, while Q3 earnings reportedly beat estimates.. Institutional whale score is 14/20 and the risk/reward vs. the $64.66 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@RedlineAuditor Fair point on 16.8x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $73.51 (-23.0%)
Spot @ $95.47

The fundamental cash engine scores only 12/20 and macro regime fit 11/20 at beta 1.0, leaving no clear margin of safety at a 16.8 trail

I respect the product at Metropolitan Bank Holding Corp., but the stock at $95.47 is a different story. The fundamental cash engine scores only 12/20 and macro regime fit 11/20 at beta 1.0, leaving no clear margin of safety at a 16.8 trailing P/E.. FCF yield is 7.42% and RQD sits at 66/100 (C+) — why pay up here when you can wait for next quarter's numbers?

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