Metropolitan Bank Holding (MCB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Metropolitan Bank Holding stock $51.37, price $95.47, that is 46.2% below the price, quality 46 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Metropolitan Bank Holding
MCB · USOur calculation puts a fair price 46% below what the stock costs today.
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 6, 2026.
How to read this chart
60‑month range $19.60 – $110.76 · fair‑value band $48.09 – $58.75 · the $95.47 price screens above the $51.37 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
Metropolitan Bank Holding Corp. operates as the bank holding company for Metropolitan Commercial Bank that provides a range of business, commercial, and retail banking products and services.
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It offers checking, savings, term deposit, money market, non-interest-bearing demand deposit, and other time deposits.
The company also provides lending products, including commercial real estate; multi-family; construction; one-to four-family real estate loans; commercial and industrial loans; consumer loans, including purchased student loans; acquisition and renovation loans; loans on owner-occupied properties; loans to refinance or return borrower equity; working capital lines of credit; trade finance; letters of credit; and term loans.
In addition, it offers cash management services, online and mobile banking, ACH, remote deposit capture, and debit cards products, and third-part debit cards products, as well as merchant services. It serves small businesses, middle-market enterprises, public entities, and individuals.
The company was formerly known as Metbank Holding Corp. and changed its name to Metropolitan Bank Holding Corp. in January 2007. Metropolitan Bank Holding Corp. was incorporated in 1997 and is headquartered in New York, New York.
Stock analysis
Metropolitan Bank Holding (MCB) currently trades at $95.47, while our model-based Fair Value estimate is $51.37, 46% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $70.36 per share, and 0 of the 6 models we run sit above the $95.47 price.
Bear case: the Asset-Based group reads lowest at $34.07, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $48.09 (bear) to $58.75 (bull), the price of $95.47 sits above 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 46/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Metropolitan Bank Holding reported revenue of $527M in FY2025 versus $197M in FY2021, a compound +27.9%/yr. Reported net income was $71.1M in FY2025, compounding +4.1%/yr from FY2021.
Key figures
Market cap $1.2B Small · P/E ratio 9.9 · P/S ratio 3.40 · EPS (TTM) $9.64 · Dividend yield 1.0% · Net margin 31.9% · Return on equity 13.1% · Return on assets (EBIT) 1.4% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 47% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −46%, MCB screens richer 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.
Insider trades
In the last 6 months, one officer or director bought shares worth $89,980, on Jul 23, 2026. Over the same period, 4 people sold shares worth $3.0M.
- SaleDale C FredstonDirector2,000 shares at $89.09$178,180Sep 17, 2026
- SaleRobert C PatentDirector4× since Jan 22, 2026: 39,445 shares, avg. $93.76$3.7MAug 10, 2026
- BuyDaniel F DoughertyEVP & Chief Financial Officer2× since Mar 10, 2026: 2,000 shares, avg. $84.97$169,930Jul 23, 2026
- SaleNick RosenbergExecutive Vice President4× since Dec 10, 2025: 4,125 shares, avg. $94.26$388,806Jul 1, 202610b5-1 plan
- SaleHarvey GutmanDirector3,000 shares at $89.58$268,740May 29, 2026
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
MCB screens overvalued: fair value 46% below the price. Compare with China Merchants Bank Co →
Compare Metropolitan Bank Holding 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)
VALUE 0: the price sits above our fair-value range.
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)
- Net margin by industry
- P/B ratio by industry
- Stock screener with 62 metrics
- 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 MCB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs MCB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs MCB |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs MCB |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs MCB |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs MCB |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs MCB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs MCB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs MCB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs MCB |
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Frequently asked questions
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Key figures of Metropolitan Bank Holding
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