Metropolitan Bank and Trust Co (MTPOY) fair value: what the stock is really worth
As of Sep 21, 2026: fair value of Metropolitan Bank and Trust Co $34.58, price $18.20, upside +90.0%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Metropolitan Bank and Trust Co
MTPOY · USClearly undervaluedStrong Fair Value upside, but quality is only moderate.
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, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $12.55 – $25.93 · fair‑value band $28.07 – $55.03 · the $18.20 price screens below the $34.58 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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. It operates through Consumer Banking, Corporate banking, Investment Banking, Treasury, Branch Banking, and Others segments.
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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. 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 ADR (MTPOY) currently trades at $18.20, while our model-based Fair Value estimate is $34.58, implying the stock looks roughly 47.4% undervalued today.
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Valuation
How firm this estimate is: it rests on 26 models at a data quality of 94/100, which puts the evidence level at high.
Scenario range: $28.07 (bear) to $55.03 (bull), the price of $18.20 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 56/100 (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 $4.9B · P/E ratio 4.9 · P/S ratio 1.15 · EPS (TTM) $3.69 · Dividend yield 4.6% · Net margin 23.4% · Return on equity 12.8% · Return on assets (EBIT) 1.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 30% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 90%, MTPOY screens cheaper than that median.
Fair Value models
All 4 models by family
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Set up alert →Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 29
Revenue & earnings trend
Growth Forecast
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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 · 1074 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- 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 |
|---|---|---|---|
| DBS Group D05 | 77.80 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.65 | HK$64.29 | +24% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹738.60 | ₹418.52 | −43% |
| BNP Paribas SA BNP | €101.30 | €105.99 | +5% |
| UniCredit S.p.A UCG | €83.28 | €77.62 | −7% |
| Mizuho Financial Group MFG | $10.87 | $6.75 | −38% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹636.31 | −53% |
| The PNC Financial Services Group PNC | $227.96 | $159.52 | −30% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of Metropolitan Bank and Trust Co ADR
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