Metropolitan Bank & Trust Company (MTPOY) Fair Value & Analysis

Financial Services · US · Market cap $4.9B

A solid business, screening 125% undervalued on our models.

What matters now

• The price is below even our cautious bear case ($33.53). The market is more pessimistic than our downside scenario.
• Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $12.55 – $25.93 · fair‑value band $33.53 – $55.88 · the $19.90 price screens below the $44.70 fair value. Dashed = 300-day average. As of Jul 27, 2026.

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Analysis

Metropolitan Bank & Trust Company (MTPOY) currently trades at $19.90, while our model-based Fair Value estimate is $44.70, implying the stock looks roughly 124.6% undervalued today. The Quality Score stands at 56/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Metropolitan Bank & Trust Company generated revenue of $147B at a net margin of 34.1%. Revenue grew 4.7% year over year. It earns a return on equity of 12.8%. Net debt stands at $517B. Fundamentals as of Jul 27, 2026

Our scenario range runs from $33.53 (bear case) to $55.88 (bull case); at $19.90, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 23% below its 52-week high and 4% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 125%, MTPOY screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($2,624) versus Asset-Based ($1,256). Highest evidence: P/E Multiple (63).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Metropolitan Bank & Trust Company reported revenue of $217B in FY2025 versus $113B in FY2021, a compound +17.8%/yr. Reported net income was $50.8B in FY2025, compounding +23.1%/yr from FY2021.

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Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.