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Upturn AI SWOT - About
Metropolitan Bank Holding (MCB)
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Upturn Advisory Summary
04/01/2025: MCB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 14.72% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 621.20M USD | Price to earnings Ratio 9.33 | 1Y Target Price 77.17 |
Price to earnings Ratio 9.33 | 1Y Target Price 77.17 | ||
Volume (30-day avg) 114997 | Beta 1.18 | 52 Weeks Range 32.46 - 69.56 | Updated Date 04/2/2025 |
52 Weeks Range 32.46 - 69.56 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.64% | Operating Margin (TTM) 49.38% |
Management Effectiveness
Return on Assets (TTM) 0.93% | Return on Equity (TTM) 9.6% |
Valuation
Trailing PE 9.33 | Forward PE - | Enterprise Value 1150685440 | Price to Sales(TTM) 2.3 |
Enterprise Value 1150685440 | Price to Sales(TTM) 2.3 | ||
Enterprise Value to Revenue 3.92 | Enterprise Value to EBITDA - | Shares Outstanding 11225100 | Shares Floating 9894499 |
Shares Outstanding 11225100 | Shares Floating 9894499 | ||
Percent Insiders 6.07 | Percent Institutions 84.87 |
Analyst Ratings
Rating 4.33 | Target Price 78 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Metropolitan Bank Holding
Company Overview
History and Background
Metropolitan Bank Holding Corp. (MBHC) was founded in 2005 and is headquartered in New York, NY. It operates through its subsidiary, Metropolitan Commercial Bank. It has grown through organic expansion and strategic focus on specific niche markets.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking products and services, including commercial loans, real estate financing, trade finance, and cash management solutions.
- Retail Banking: Offers traditional retail banking services such as checking accounts, savings accounts, and personal loans.
- Digital Banking: Increasing focus on technology and offering digital banking solutions to attract and retain customers
Leadership and Structure
Mark R. DeFazio is the President and CEO. The company has a board of directors overseeing strategic direction and governance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a primary revenue driver. Market share data isn't readily available. Competitors include JPMorgan Chase, Bank of America, Wells Fargo, and regional banks.
- Real Estate Financing: Provides financing for commercial and residential real estate projects. Market share data is not publically available. Competitors are Similar to commercial loans.
- Cash Management Services: Offers services to help businesses manage their cash flow. Competitors include large national banks and regional banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions.
Positioning
MBHC positions itself as a relationship-focused commercial bank serving niche markets in the New York metropolitan area.
Total Addressable Market (TAM)
The TAM for commercial banking in the New York metropolitan area is substantial, estimated at billions of dollars annually. MBHC is focused on capturing a segment of this market through specialized services and personalized customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market presence in the New York metropolitan area
- Relationship-focused banking model
- Experienced management team
Weaknesses
- Smaller scale compared to larger national banks
- Concentration in a single geographic market (New York)
- Reliance on specific niche markets
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking solutions
- Strategic acquisitions to expand product offerings
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan demand and credit quality
- Regulatory changes impacting banking operations
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
MBHC competes with larger national banks and regional players. It differentiates itself through relationship-focused banking and specialized services.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by organic expansion in the New York metropolitan area.
Future Projections: Future growth depends on economic conditions, regulatory changes, and competitive landscape.
Recent Initiatives: Focus on digital banking initiatives.
Summary
Metropolitan Bank Holding is a smaller bank focused on the NY metro area. It's growth has slowed down more recently after its run in the 2010s. Its future success hinges on leveraging technology effectively, expanding its service offerings, and managing risks in a dynamic economic environment. The smaller size makes it a good buyout target.
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Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly, affecting the accuracy of the information provided.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Metropolitan Bank Holding
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2017-11-08 | President, CEO & Director Mr. Mark R. DeFazio | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 291 | Website https://www.mcbankny.com |
Full time employees 291 | Website https://www.mcbankny.com | ||
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. The company offers checking, savings, term deposit, money market, non-interest-bearing demand deposit, and other time deposits. It 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 to refinance or return borrower equity; loans on owner-occupied properties; working capital lines of credit; trade finance; letters of credit; and term loans. In addition, the company offers cash management services, as well as online and mobile banking, ACH, remote deposit capture, and 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.
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