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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
20D Institutional Volume Accumulation (±5% realized swing band)
Macro rate sensitivity & RSI-14 (62.6) create a -9 pt regime headwind
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Metropolitan Bank Holding Corp. (MCB) surged +2.30% to $97.67, trading at 88% of its 52-week range ($64.66 – $102.04). Solid steady margins (10% return on capital), mixed timing at 17x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
UBS analyst Timur Braziler maintains Metropolitan Bank Holding (NYSE:MCB) with a Neutral and raises the price target from $98 to $100.
Rates parked at 3.75%–4% with hotter inflation in the background create an odd mix. Cash suddenly matters again, and so do the stocks most exposed to this kind of pause that still sounds like a warning. Short-duration fi
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +13.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on MCB today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for MCB. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
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).
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.
— 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.
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Yahoo Finance report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Metropolitan Bank Holding Corp. (MCB) market action, institutional positioning, and fundamental catalysts.
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.
@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.
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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