Metropolitan Bank and Trust Co (MTPOY) fair value: what the stock is really worth
As of Oct 21, 2026: fair value (intrinsic value) of Metropolitan Bank and Trust Co stock $34.68, price $19.68, upside +76.3%, quality 55 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Metropolitan Bank and Trust Co
MTPOY · USThe stock costs 43% less than our calculation considers fair.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 2, 2026.
How to read this chart
60‑month range $12.25 – $25.32 · fair‑value band $27.64 – $53.98 · the $19.68 price screens below the $34.68 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 2, 2026.
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Company profile
Metropolitan Bank & Trust Company, together with its subsidiaries, provides various commercial and investment banking products and services in the Philippines, rest of Asia, the United States of America, and Europe.
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It operates through Consumer Banking, Corporate banking, Investment Banking, Treasury, Branch Banking, and Others segments. The Consumer Banking segment offers consumer type loans and support for the sourcing and generation of consumer business.
Its Corporate Banking segment engages in handling loans and other credit facilities; and provides deposit and current accounts for corporate and institutional customers.
The Investment Banking segment offers structured financing; services relating to privatizations, initial public offerings, and mergers and acquisitions; and advisory services to individuals and institutions. The Treasury segment provides money market, trading, and treasury products and services.
Its Branch Banking segment handles branch deposits, as well as offers loans and other loan-related products for domestic middle-market clients. The Others segment provides remittances, leasing, account financing, and other support services.
It also provides trade finance, credit card, programs and facilities, electronic banking facilities, cash management, domestic and foreign fund transfer, remittance, institutional fund management, private banking, collateral, and trust services; debt and equity underwriting, loan syndication, project finance, financial advisory, equity brokering, online trading, research, and debt financing services; and automated teller machine, savings and mortgage banking, foreign exchange, money transmission, insurance and reinsurance brokerage, and general and special management services.
Metropolitan Bank & Trust Company was incorporated in 1962 and is headquartered in Makati City, the Philippines.
Stock analysis
Metropolitan Bank and Trust Co (MTPOY) currently trades at $19.68, while our model-based Fair Value estimate is $34.68, implying the stock looks roughly 43% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $43.65 per share, and 5 of the 6 models we run sit above the $19.68 price.
Bear case: the Asset-Based group reads lowest at $19.47, and 1 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $27.64 (bear) to $53.98 (bull), the price of $19.68 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Metropolitan Bank and Trust Co ADR reported revenue of 217B PHP in FY2025 versus 113B PHP in FY2021, a compound +17.8%/yr. Reported net income was 50.8B PHP in FY2025, compounding +23.1%/yr from FY2021.
Key figures
Market cap $4.4B Mid · P/E ratio 5.2 · P/S ratio 1.23 · EPS (TTM) $3.75 · Dividend yield 4.9% · Net margin 23.4% · Return on equity 12.3% · Return on assets (EBIT) 1.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).
What moves the price
The share trades about 22% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 76%, MTPOY screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
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Compare Metropolitan Bank and Trust Co ADR with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on equity by industry
- Quality Score by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs MTPOY |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs MTPOY |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs MTPOY |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs MTPOY |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs MTPOY |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs MTPOY |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs MTPOY |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs MTPOY |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs MTPOY |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs MTPOY |
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Frequently asked questions
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Key figures of Metropolitan Bank and Trust Co
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