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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1489
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$778M
Mark R. DeFazio
Metropolitan Bank Holding Corp. offers checking, savings, term deposit, and money market accounts. It also provides lending products, including commercial real estate, construction, multi-family, and one-to four-family real estate loans. The company operates six banking centers in Manhattan, Brooklyn, Great Neck, and Long Island.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = MCB ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$MCB Metropolitan Bank Holding Corp. | 53 | 33 | 45 | 88 | 17.4x | 12.2x | 7.3% | 0.7% | 0.0% | 593.5% | 415.4% | -59.6% | 0.2% | 1011.0x | $778M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Metropolitan Bank Holding Corp. (MCB) receives a "Hold" rating with a composite score of 53.3/100. It ranks #1489 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for MCB.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 33 | 60 | -27DRAG |
| MOMENTUM | 88 | 94 | -6DRAG |
| VALUATION | 45 | 53 | -8DRAG |
| INVESTMENT | 29 | 34 | -5NEUTRAL |
| STABILITY | 39 | 32 | +7ALPHA |
| SHORT INT | 76 | 88 | -12DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 7.3% (sector 9.0%)
GM 0% vs sector 78%, OM 593% vs sector 18%
Capital turnover N/A
Rev growth -60%, 9yr history
Interest coverage 1.9x, Net debt/EBITDA -2.0x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Metropolitan Bank Holding Corp. (MCB) as a Hold with a composite score of 53.3/100 at a current price of $90.99. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
Metropolitan Bank Holding Corp. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 53.3/100 places it at rank #1489 in our full universe.
The near-term outlook is constructive, with revenue growing at -60% and momentum in the 88th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
High
Poor
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Leverage of 1011% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
Metropolitan Bank Holding Corp. represents a hold based on multi-factor quantitative performance.
Our model assigns Metropolitan Bank Holding Corp. a Hold rating, with a composite score of 53.3/100 and 3 out of 5 stars. Ranked #1489 of 7,333 stocks, MCB presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
MCB's quality score of 33/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 7.3% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 415.4% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 45/100, MCB appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 17.42x, an EV/EBITDA of 12.19x, a P/B ratio of 1.28x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
Metropolitan Bank Holding Corp.'s investment score of 29/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of -59.6% vs. a sector average of 10.7% and a return on assets of 0.7% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
MCB shows strong momentum characteristics with a score of 88/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at -59.6% year-over-year, while a beta of 0.90 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
MCB's stability score of 39/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 0.90 and a debt-to-equity ratio of 1011.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
MCB carries a short interest score of 76/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 1011.00x), small-cap liquidity risk. At $778M market cap (small-cap), Metropolitan Bank Holding Corp. offers reasonable institutional liquidity.
MCB offers a modest dividend yield of 0.2%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
Metropolitan Bank Holding Corp. is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1489 of 7,333 overall (80th percentile). Key comparisons include ROE of 7.3% trailing the 9.0% sector median and operating margins of 593.5% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While MCB currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Momentum (88) vs Investment (29) — closing this gap could shift the rating.
EV/EBITDA 57% ABOVE SECTOR MEDIAN
ROE 19% BELOW SECTOR MEDIAN
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
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