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New York City-based commercial bank serving businesses, having exited earlier crypto-adjacent banking relationships.
New York City-based commercial bank serving businesses, having exited earlier crypto-adjacent banking relationships.
Earns mainly the spread between loan interest and what it pays for deposits, with lending concentrated in New York City commercial and multifamily property, while payments and cash-management fees for business clients add other income. It wound down its crypto-related deposit business, which had been a large source of low-cost funding.
Moat: narrow (scale). Local NYC commercial relationships, though its earlier fintech/crypto deposit niche has been wound down.
Headquarters: New York, New York, US · Founded: 1999 · Employees: 326
Size Metropolitan Bank (MCB) is a United States Financials company (Regional Banks) with a market value of $1.17B, the 2149th largest of 3,117 United States companies the cockpit tracks. Shares closed at $95.47 on 6 Nov 2026.
Performance Over six months the shares gained 5.5%, against +8.3% for the median peer and -1.1% for the United States market (cap-weighted) — 8th lowest of 20 in its peer set.
Growth Revenue grew 11.9% over the last twelve months (peer median +9.9%); the operating margin is 43.0% (peer median 35.4%).
Valuation It trades at 1.20× book value against a peer median of 1.11× (10th most expensive of 21).
Price implies The share price implies a return on equity of about 11.3%; Metropolitan Bank delivers 13.1%, so the price asks less than the business earns today.
Short interest Short interest is 5.5% of the free float (15 Oct 2026).
Next results Next results expected around 21 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $572M | $527M | $492M | $403M | $287M |
| Revenue growth | — | +7% | +22% | +40% | — |
| Net income | $112M | $71.1M | $66.7M | $76.9M | $59.3M |
| Free cash flow | n/a | $82.4M | $146M | $36.7M | $66.6M |
| Capital expenditure | n/a | $6.26M | $2.63M | $5.75M | $19.2M |
| Total debt | $36.5M | $80.9M | $530M | $614M | $327M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Metropolitan Bank MCB | $1.17B | +5% | +12% | 13% | 1.20× | 11.3% |
| ConnectOne Bancorp CNOB | $1.63B | +8% | +24% | 10% | 1.10× | 10.7% |
| Dime Commercial Bancshares DCOM | $1.85B | +13% | +14% | 9% | 1.39× | 12.4% |
| Customers Bancorp CUBI | $2.82B | +10% | +8% | 14% | 1.29× | 14.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | MCB | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +9.1% | -2.1% | 2nd highest of 21 |
| 6-month return | +5.5% | +8.3% | 8th lowest of 20 |
| Return on equity | 13.1% | 11.6% | 8th highest of 21 |
| Price / book | 1.20× | 1.11× | 10th most expensive of 21 |
| Trailing P/E | 9.7× | 11.1× | 6th cheapest of 21 |
| ROE the price implies | 11.3% | 8.4% | 6th most demanding of 21 |
| ROE delivered | 13.1% | 11.7% | 8th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Metropolitan Bank MCB | United States | $1.17B | +5% | +12% | 13% | 1.20× | 11.3% | 13.1% |
| Oita Bank 8392.T | Japan | $1.18B | +13% | +25% | 5% | 0.69× | 6.2% | 4.7% |
| Miyazaki Bank 8393.T | Japan | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% | 7.0% |
| Heritage Financial HFWA | United States | $1.15B | +3% | +22% | 8% | 1.06× | 7.8% | 7.8% |
| TOMONY 8600.T | Japan | $1.13B | +6% | +12% | 6% | 0.60× | 4.5% | 5.9% |
| Preferred Bank PFBC | United States | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% | 16.9% |
| SJF Bank A/S SJF.CO | Denmark | $1.22B | +60% | -2% | 12% | 1.71× | 6.1% | 12.0% |
| First Bank of Toyama 7184.T | Japan | $1.12B | +10% | +14% | 10% | 0.90× | 7.9% | 10.2% |
| Ujjivan Small Finance Bank UJJIVANSFB.NS | India | $1.23B | -5% | +21% | 17% | 1.53× | 23.8% | 16.6% |
| Univest Financial UVSP | United States | $1.10B | +4% | +2% | 10% | 1.16× | 9.1% | 10.0% |
| Community Trust Bancorp CTBI | United States | $1.26B | +4% | +8% | 13% | 1.43× | 9.8% | 12.9% |
| Five Star Bancorp FSBC | United States | $1.08B | +6% | +18% | 15% | 1.75× | 10.4% | 14.8% |
| Northeast Bank NBN | United States | $1.08B | +1% | +9% | 20% | 1.72× | 11.8% | 20.0% |
| Karnataka Bank KTKBANK.NS | India | $1.28B | +20% | +3% | 12% | 0.87× | 12.6% | 11.7% |
| San ju San Financial 7322.T | Japan | $1.08B | +1% | +23% | 5% | 0.72× | 6.9% | 5.4% |
| Horizon Bancorp HBNC | United States | $1.07B | +13% | +424% | 16% | 1.52× | 12.0% | 15.7% |
| CNB Financial CCNE | United States | $1.06B | +15% | +26% | 13% | 1.24× | 9.0% | 13.2% |
| Bank of Jiujiang 6190.HK | Hong Kong | $1.06B | +55% | -2% | 1% | 0.20× | 3.5% | 1.5% |
| Zhongyuan Bank 1216.HK | Hong Kong | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% | 3.6% |
| Mercantile Bank MBWM | United States | $1.05B | +16% | +5% | 14% | 1.41× | 11.5% | 13.6% |
| Forbright FRBT | United States | $1.04B | n/a | +11% | 11% | 1.01× | 6.4% | n/a |