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US Metro Bancorp Inc (USMT) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of US Metro Bancorp Inc $5.68, price $5.95, upside -4.5%, quality 44 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

Fair value above price? No
Good quality? No
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Financial Services · US

Some data Sep 23, 2026

US Metro Bancorp Inc

USMT · US

Low PriorityFair Value upside is limited and quality is weak.

·Fair value $5.68 · Fairly valued (−5%)

!Quality 44/100

!Expensive Growth (revenue 5y +16.9 %/yr)

✓Highly profitable · 21.4% net margin (TTM)

!Moderate debt · negative free cash flow

·1.51% dividend yield

!Mixed vs. peers (5/12)

!Moderate moat 58/100

!Evidence only medium, so the estimate is less certain

!Weak on valuation: 27 out of 100

26 models, one by oneBear $5.34 to bull $6.28 Growth analysisrevenue history, year by year Quality 44/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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 23, 2026.

How to read this chart

60‑month range $1.52 – $6.15 · fair‑value band $5.34 – $6.28 · the $5.95 price screens above the $5.68 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

US Metro Bancorp, Inc. operates as the bank holding company for US Metro Bank that provides various banking services to commercial business and individual consumers. The company's deposit products include checking, savings, money market, and certificate of deposit accounts. It also offers real estate loans, business term loans, and business lines of credit; small business administration loans; construction lending; mortgages; and warehouse lending services. In addition, the company provides online and mobile banking, ATM, and wire transfer services, as well as safe deposit box, debit cards, and digital wallets. Further, it offers treasury management services, such as automated clearing house, remote deposit, positive pay, and web-based wire transfer; and international trade services, including import and export, transferable, and standby letter of credit, as well as documentary collection. It operates branches in Anaheim, Fullerton, Torrance, Koreatown, and Fashion District in Los Angeles; a Washington branch in Lynnwood; and loan production offices in Corona, Fresno, and Sacramento, California, as well as in Dallas, Texas. The company was founded in 2006 and is headquartered in Garden Grove, California.

Stock analysis

US Metro Bancorp Inc (USMT) currently trades at $5.95, while our model-based Fair Value estimate is $5.68, implying the stock looks roughly 4.8% fairly valued today.

Valuation

Bull case: the Multiples group reads highest at a median of $7.95 per share, and 2 of the 6 models we run sit above the $5.95 price.

Bear case: the Dividend Discount group reads lowest at $1.31, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: $5.34 (bear) to $6.28 (bull), the price of $5.95 sits inside 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 44/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

US Metro Bancorp Inc reported revenue of $59.5M in FY2025 versus $46.7M in FY2021, a compound +6.2%/yr. Reported net income was $10.2M in FY2025, compounding −10.2%/yr from FY2021.

Key figures

Market cap $98.9M · P/E ratio 9.2 · P/S ratio 1.58 · EPS (TTM) $0.6500 · Dividend yield 1.5% · Net margin 17.2% · Return on equity 9.3% · Return on assets (EBIT) 1.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 35 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 30% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −5%, USMT screens cheaper than that median.

Fair Value models

Bear $5.34 Fair Value $5.68 Bull $6.28

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.4112 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Highest evidence

Residual Income $5.14 $5.38 $5.67 76

Gordon GGM $0.8300 $1.38 $1.80 68

DDM Multi-Stage $0.8300 $1.31 $1.49 67

All 6 models by family

Dividend Discount

Gordon GGM $0.8300 $1.38 $1.80 68

DDM Multi-Stage $0.8300 $1.31 $1.49 67

Multiples

P/E Multiple $5.96 $7.95 $9.93 63

P/B Multiple $7.02 $9.36 $11.70 55

Asset-Based

NCAV (Graham) $3.34 $4.48 $6.69 54

Economic Profit

Residual Income $5.14 $5.38 $5.67 76

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Quality Score breakdown

Overall quality 44/100

Of which business quality 41 · Market factors (momentum, volatility) 82

Profitability 28

Margins and returns on capital today

Quality Growth 59

Are margins and returns improving?

Cashflow 4

Earnings quality: real cash, not paper profit

Fin. Strength 43

Balance sheet, leverage, solvency risk

Investment 65

Disciplined investing over empire-building

Low Volatility 81

Calm price path (market factor)

Momentum 74

Price trend over the last 3–12 months (market factor)

52W Momentum 97

Distance to the 52-week high (market factor)

Net Issuance 76

Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 62/100

The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Revenue growth 1 year

+26.6%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+5.3%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+16.9%

Start year 2020 (pandemic). Over 10 years: +20.9% a year

Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+24.4%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.

+1.2%

Earnings growth per share plus dividend.

Earnings per share, growth per year−0.3%

Dividend (yield on the price)1.5%

Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.6% → 32%

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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 · 1076 stocks

Beats the industry median on 5/12 measures

A mixed picture versus its industry peers.

Valuation

Quality Score 47 · Below median

Fair Value upside −5% · Above median

Profitability

Return on equity (TTM) 9% · Below median

Return on assets 1% · Below median

Net margin (TTM) 21% · Below median

Operating margin (TTM) 32% · Below median

Growth and dividend

Revenue growth 35% · Top 25%

Dividend yield (TTM) 1.5% · Bottom 25%

Balance sheet

Debt / equity 0.65× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 9.2× · Cheapest 25%

P/B 0.88× · Cheaper than median

P/S (TTM) 1.59× · Cheapest 25%

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)27 · sector 11

FUTURE (revenue growth)100 · sector 45

PAST (return on equity)37 · sector 41

HEALTH (low debt)68 · sector 85

DIVIDEND (yield)30 · sector 53

Context: sector, industry, market

Values & ESG

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

None of the checked exposures detected

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	77.69 SGD	40.48 SGD	−48%
China Merchants Bank Co 3968	HK$51.25	HK$62.30	+22%
Intesa Sanpaolo S.p.A ISP	€6.73	€4.04	−40%
HDFC Bank Limited HDFCBANK	₹737.25	₹406.85	−45%
BNP Paribas SA BNP	€98.43	€105.99	+8%
UniCredit S.p.A UCG	€82.18	€77.62	−6%
Mizuho Financial Group MFG	$10.74	$6.75	−37%
ICICI Bank Limited ICICIBANK	₹1,340	₹616.16	−54%
The PNC Financial Services Group PNC	$224.03	$159.52	−29%
Oversea-Chinese Banking Corporation O39	32.14 SGD	19.80 SGD	−38%

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US Metro Bancorp Inc · Fair Value
$5.68 −5%Fair Value
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<a href="https://www.fairvalue-calculator.com/stock/USMT" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">US Metro Bancorp Inc · Fair Value</span><br><b style="font-size:20px">$5.68</b> <span style="color:#e0816f;font-weight:700;font-size:14px">−5%</span></span><span style="font-size:11px;color:var(--fvc-g-mitte);font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "US Metro Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/USMT

Frequently asked questions

Is US Metro Bancorp Inc (USMT) overvalued or undervalued?

As of Sep 23, 2026, our model estimates a fair value of $5.68 versus a price of $5.95, about −5% upside (fairly valued).

What is the fair value of USMT?

Our model-based fair value for US Metro Bancorp Inc is $5.68 (as of Sep 23, 2026), built from audited fundamentals. The current price: $5.95.

What is the quality score of USMT?

US Metro Bancorp Inc has a Quality Score of 44/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for US Metro Bancorp Inc (USMT)?

Our model-based price target is the fair value of $5.68 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $5.34, optimistic scenario $6.28. It is a calculation from audited fundamentals, not an analyst target.

What is the US Metro Bancorp Inc stock forecast for 2026?

Our models put fair value at $5.68, about −5% upside versus a price of $5.95 (fairly valued). Cautious scenario $5.34, optimistic scenario $6.28. The calculation is refreshed regularly with new filings.

What is the revenue of US Metro Bancorp Inc (USMT)?

US Metro Bancorp Inc reported trailing-twelve-month revenue of about $62.3M (latest available figure, as of Sep 23, 2026).

Does US Metro Bancorp Inc pay a dividend?

US Metro Bancorp Inc currently shows a dividend yield of about 1.51% relative to its recent price (as of Sep 23, 2026).

What is the intrinsic value of US Metro Bancorp Inc (USMT)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For US Metro Bancorp Inc it is $5.68 per share (as of Sep 23, 2026), against a price of $5.95. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).

Is US Metro Bancorp Inc stock overvalued or undervalued in 2026?

As of Sep 23, 2026, USMT trades above its calculated fair value: price $5.95, fair value $5.68, a gap of about −5% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of USMT?

No. The price is what the market pays today ($5.95); the fair value is what the company's own numbers justify ($5.68). For US Metro Bancorp Inc the two are $0.2700 per share apart. That gap is exactly why we show both numbers side by side.

How much is US Metro Bancorp Inc worth?

The market values US Metro Bancorp Inc at about $98.9M (market capitalisation, as of Sep 23, 2026). Per share that is $5.95; our models calculate a fair value of $5.68 per share.

What do the bullish and bearish scenarios say about USMT?

Our models span a range for US Metro Bancorp Inc: cautious scenario $5.34, base $5.68, optimistic $6.28 per share (as of Sep 23, 2026, price $5.95). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of USMT?

US Metro Bancorp Inc trades at a price-to-earnings ratio of 9.2 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $5.68 is built from several models across several years. Other multiples: P/B 0.9, P/S 1.6.

How solid is the balance sheet of US Metro Bancorp Inc (USMT)?

Balance-sheet figures for US Metro Bancorp Inc (as of Sep 23, 2026): return on equity 9.3%, debt of 0.65 per unit of equity. They feed the Quality Score of 44/100, which measures business quality independently of the share price.

How far is USMT from its 52-week high?

US Metro Bancorp Inc trades at $5.95, about 3% below its 52-week high of $6.15 and 30% above the low of $4.58 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $5.68 is for.

Which stocks are comparable to US Metro Bancorp Inc?

From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is US Metro Bancorp Inc stock attractive at the current price?

The data as of Sep 23, 2026: price $5.95, calculated fair value $5.68 (−5%), Quality Score 44/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of USMT calculated?

We run US Metro Bancorp Inc through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $5.68, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.0 % above its aggregate fair value. US Metro Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of US Metro Bancorp Inc (USMT)?

The closing price on Sep 23, 2026 was $5.95. Our model-based fair value is $5.68, about −5% upside (fairly valued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with US Metro Bancorp Inc right now?

The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of US Metro Bancorp Inc

How large is the market capitalisation of US Metro Bancorp Inc (USMT)?

The market capitalisation of US Metro Bancorp Inc is $98.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of US Metro Bancorp Inc (USMT)?

The price-to-sales ratio of US Metro Bancorp Inc is 1.58 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of US Metro Bancorp Inc (USMT)?

Earnings per share at US Metro Bancorp Inc are $0.6500 (price ÷ EPS = P/E 9.2). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of US Metro Bancorp Inc (USMT)?

The dividend yield of US Metro Bancorp Inc is 1.5% (payout 13.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of US Metro Bancorp Inc (USMT)?

The net margin of US Metro Bancorp Inc is 17.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of US Metro Bancorp Inc (USMT)?

The return on equity (ROE) of US Metro Bancorp Inc is 9.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of US Metro Bancorp Inc (USMT)?

On an EBIT basis the return on assets of US Metro Bancorp Inc is 1.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of US Metro Bancorp Inc (USMT)?

The operating margin of US Metro Bancorp Inc is 32.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at US Metro Bancorp Inc (USMT)?

Revenue at US Metro Bancorp Inc is growing +34.8% versus a year earlier (3y avg +5.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at US Metro Bancorp Inc (USMT)?

Earnings per share at US Metro Bancorp Inc are growing +25.0% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does US Metro Bancorp Inc (USMT) generate?

The free cash flow of US Metro Bancorp Inc is −$2.7M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does US Metro Bancorp Inc (USMT) carry?

The net debt of US Metro Bancorp Inc is $11.3M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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