MCB
Metropolitan Bank Holding Corp.
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
+2/100
Last price
88.73
▲ 0.19 (0.21%)
MARKET · —
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Tool
1D
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Range —
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Open
—
Prev close
88.54
Day high
89.56
Day low
88.20
Volume
85.27K
Market cap
$1.10B
P/E (TTM)
11.38
52W range
64.66 – 102.04
Trailing performance
Returnvs SPY
1W
+1.43%
-0.5%
1M
-4.79%
-5.9%
3M
-7.61%
-12.1%
6M
+3.44%
-14.7%
YTD
+16.20%
+2.0%
1Y
+19.12%
+2.7%
3Y
+144.57%
+62.3%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on MCB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-29.25K
Net selling
Buy transactions
1
1.00K shares
Sell transactions
6
30.25K shares
Net transactions
+7
Buys less sells
Sell : buy shares
30.3 : 1
Heavily one-sided
Insider-held shares
606.50K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 10, 26 | PATENT ROBERT C Director |
SELL | 10.00K | $922.92K | Direct |
| Jul 23, 26 | DOUGHERTY DANIEL F. Chief Financial Officer |
BUY | 1.00K | $89.98K | Direct |
| Jul 1, 26 | ROSENBERG NICK Officer |
SELL | 1.90K | $190.47K | Direct |
| Jun 29, 26 | ROSENBERG NICK Officer |
SELL | 353 | $35.31K | Direct |
| Jun 12, 26 | PATENT ROBERT C Director |
SELL | 10.00K | $964.08K | Direct |
| Jun 4, 26 | PATENT ROBERT C Director |
SELL | 5.00K | $451.05K | Direct |
| May 29, 26 | GUTMAN HARVEY M Director |
SELL | 3.00K | $268.75K | Direct |
| Mar 10, 26 | DOUGHERTY DANIEL F. Chief Financial Officer |
BUY | 1.00K | $79.95K | Direct |
| Mar 2, 26 | ROSENBERG NICK Officer |
STOCK | 4.24K | $0 | Direct |
| Mar 2, 26 | DEFAZIO MARK R Chief Executive Officer |
STOCK | 71.89K | $0 | Direct |
| Mar 2, 26 | LUBLIN SCOTT Officer |
STOCK | 23.05K | $0 | Direct |
| Mar 2, 26 | CAPRA LAURA Officer |
STOCK | 4.65K | $0 | Direct |
| Mar 2, 26 | BERRIOS DIXIANA M. Chief Operating Officer |
STOCK | 3.43K | $0 | Direct |
| Mar 2, 26 | SCOTT NORMAN Officer |
STOCK | 2.30K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CAPRA LAURA |
Officer | 40.99K | Stock Award(Grant) |
DEFAZIO MARK R |
Chief Executive Officer | 166.11K | Stock Award(Grant) |
DOUGHERTY DANIEL F. |
Chief Financial Officer | 33.77K | Purchase |
GOLD DAVID J |
Director | 29.73K | Stock Award(Grant) |
LUBLIN SCOTT |
Officer | 60.93K | Stock Award(Grant) |
PATENT ROBERT C |
Director | 76.19K | Sale |
RAMIREZ MARIA FIORINI |
Director | 35.56K | Stock Award(Grant) |
REINHARDT WILLIAM |
Director | 23.78K | Stock Award(Grant) |
ROSENBERG NICK |
Officer | 22.72K | Sale |
WOLF GEORGE J JR |
Director | 28.50K | Stock Gift |
Fundamentals
Market cap$1.10B
Enterprise value$892.85M
Revenue (TTM)$312.01M
Gross profit$312.01M
EBITDA—
Net income$86.63M
EPS (TTM)$7.80
Free cash flow—
Total cash$244.03M
Total debt$36.83M
Book value / share$78.11
Shares outstanding12.40M
Float11.25M
Short % of float5.30%
Dividend yield1.58%
Beta (5Y)1.04
Valuation & profitability ratios
Trailing P/E11.38
Forward P/E7.78
PEG ratio—
Price / sales—
Price / book1.14
EV / revenue2.86
EV / EBITDA—
Gross margin0.00%
Operating margin36.61%
Profit margin27.76%
Return on equity10.24%
Return on assets1.04%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $315.11M | $276.91M | $250.74M | $255.75M | +13.8% |
| Operating revenue | $315.11M | $276.91M | $250.74M | $255.75M | +13.8% |
| Selling, general & admin | $93.58M | $89.64M | $76.04M | $61.91M | +4.4% |
| Pre-tax income | $101.51M | $97.08M | $106.92M | $96.90M | +4.6% |
| Tax provision | $30.41M | $30.39M | $29.65M | $37.47M | +0.1% |
| Net income | $71.10M | $66.69M | $77.27M | $59.42M | +6.6% |
| Net income to common | $71.10M | $66.69M | $76.90M | $59.28M | +6.6% |
| Basic EPS | 6.71 | 5.97 | 6.95 | 5.42 | +12.4% |
| Diluted EPS | 6.62 | 5.93 | 6.91 | 5.29 | +11.6% |
| Basic shares | 10.59M | 11.18M | 11.06M | 10.93M | -5.2% |
| Diluted shares | 10.74M | 11.26M | 11.13M | 11.20M | -4.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $393.59M | $200.27M | $269.46M | $257.42M | — | +96.5% |
| Accounts receivable | — | — | — | — | $15.20M | — |
| Property, plant & equipment | — | — | — | $31.87M | $15.12M | — |
| Goodwill & intangibles | — | — | — | — | $9.73M | — |
| Total assets | $8.26B | $7.30B | $7.07B | $6.27B | — | +13.1% |
| Long-term debt | $10.97M | $457.44M | $546.59M | $257.73M | — | -97.6% |
| Total debt | $10.97M | $457.44M | $546.59M | $257.73M | — | -97.6% |
| Total liabilities | $7.51B | $6.57B | $6.41B | $5.69B | — | +14.3% |
| Retained earnings | $450.64M | $382.66M | $315.98M | $240.81M | — | +17.8% |
| Shareholder equity | $743.11M | $729.83M | $659.02M | $575.90M | — | +1.8% |
| Net tangible assets | $743.11M | $729.83M | $659.02M | $575.90M | — | +1.8% |
| Shares issued | 11.30M | 11.20M | 11.06M | 10.95M | — | +0.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $71.10M | $66.69M | $77.27M | $59.42M | +6.6% |
| Depreciation & amortisation | -$11.05M | -$11.41M | $7.14M | $9.71M | +3.1% |
| Stock-based compensation | $8.93M | $8.90M | $9.77M | $7.84M | +0.3% |
| Change in working capital | -$7.45M | $83.81M | -$61.16M | $2.58M | -108.9% |
| Operating cash flow | $88.68M | $148.46M | $42.43M | $85.89M | -40.3% |
| Capital expenditure | -$6.26M | -$2.63M | -$5.75M | -$19.25M | -137.8% |
| Investing cash flow | -$762.96M | -$369.61M | -$775.45M | -$1.23B | -106.4% |
| Share buybacks | -$77.02M | -$4.58M | -$3.17M | -$1.56M | -1,580.9% |
| Dividends paid | -$3.12M | $0 | $0 | — | — |
| Financing cash flow | $867.60M | $151.96M | $745.07M | -$958.47M | +471.0% |
| Free cash flow | $82.42M | $145.83M | $36.68M | $66.65M | -43.5% |
| End cash position | $393.59M | $200.27M | $269.46M | $257.42M | +96.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $93.01M | $88.49M | $88.41M | $79.84M | $76.27M | +5.1% |
| Operating revenue | $93.01M | $88.49M | $88.41M | $79.84M | $76.27M | +5.1% |
| Selling, general & admin | $26.65M | $26.00M | $21.97M | $23.65M | $23.25M | +2.5% |
| Pre-tax income | $27.88M | $44.39M | $41.18M | $10.18M | $26.78M | -37.2% |
| Tax provision | $8.66M | $12.96M | $12.32M | $3.06M | $8.02M | -33.2% |
| Net income | $19.22M | $31.43M | $28.86M | $7.12M | $18.77M | -38.8% |
| Net income to common | $19.22M | $31.43M | $28.86M | $7.12M | $18.77M | -38.8% |
| Basic EPS | 1.55 | 2.94 | 2.83 | 0.68 | 1.78 | -47.3% |
| Diluted EPS | 1.54 | 2.92 | 2.77 | 0.67 | 1.76 | -47.3% |
| Basic shares | 12.40M | 10.67M | 10.21M | 10.40M | 10.56M | +16.1% |
| Diluted shares | 12.52M | 10.76M | 10.42M | 10.59M | 10.68M | +16.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $239.26M | $672.39M | $393.59M | $385.94M | $152.45M | -64.4% |
| Total assets | $8.86B | $8.84B | $8.26B | $8.23B | $7.85B | +0.2% |
| Long-term debt | $15.94M | $15.97M | $10.97M | $292.36M | $217.37M | -0.2% |
| Total debt | $15.94M | $15.97M | $10.97M | $292.36M | $217.37M | -0.2% |
| Total liabilities | $7.89B | $7.90B | $7.51B | $7.50B | $7.13B | -0.1% |
| Retained earnings | $495.03M | $479.18M | $450.64M | $423.34M | $417.78M | +3.3% |
| Shareholder equity | $968.17M | $948.34M | $743.11M | $732.04M | $722.97M | +2.1% |
| Net tangible assets | $968.17M | $948.34M | $743.11M | $732.04M | $722.97M | +2.1% |
| Shares issued | 12.40M | 13.61M | 11.30M | 11.30M | 11.30M | -8.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $19.22M | $31.43M | $28.86M | $7.12M | $18.77M | -38.8% |
| Depreciation & amortisation | -$1.68M | -$3.05M | -$2.27M | -$5.37M | -$1.96M | +45.0% |
| Stock-based compensation | $4.17M | $3.23M | $1.86M | $2.65M | $2.59M | +28.9% |
| Change in working capital | -$45.78M | $25.74M | $9.44M | $3.80M | -$7.33M | -277.8% |
| Operating cash flow | -$10.77M | $55.03M | $30.74M | $31.80M | $18.38M | -119.6% |
| Capital expenditure | -$1.26M | -$2.67M | -$2.89M | -$305.00K | -$878.00K | +52.8% |
| Investing cash flow | -$410.33M | -$313.83M | -$24.37M | -$150.45M | -$281.42M | -30.8% |
| Share buybacks | -$380.00K | -$14.42M | -$20.20M | -$2.74M | -$37.95M | +97.4% |
| Dividends paid | -$3.37M | -$2.02M | -$1.56M | -$1.56M | $0 | -67.0% |
| Financing cash flow | -$12.02M | $537.61M | $1.28M | $352.14M | $219.03M | -102.2% |
| Free cash flow | -$12.03M | $52.36M | $27.85M | $31.49M | $17.51M | -123.0% |
| End cash position | $239.26M | $672.39M | $393.59M | $385.94M | $152.45M | -64.4% |
Options analytics
Put / call volume
13.00
Put-heavy session
Put / call open interest
12.33
Positioning, not flow
Max pain
85.00
-4.2% from spot
ATM implied vol
3.1%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
1
Contracts, this expiry
Put volume
13
Contracts, this expiry
Heaviest call OI
85.00
1 contracts
Heaviest put OI
80.00
22 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 2.30 | 1.54 | -32.9% |
| Mar 2026 | 2.31 | 2.92 | +26.6% |
| Dec 2025 | 2.20 | 2.72 | +23.7% |
| Sep 2025 | 2.08 | 0.67 | -67.7% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 2.38 | 3 | $97.05M | +21.6% |
| Next quarter | 2.56 | 3 | $100.66M | +13.9% |
| Current year | 9.45 | 3 | $379.20M | +20.3% |
| Next year | 11.30 | 3 | $431.82M | +13.9% |
Analyst targets & ownership
Mean target$105.33
High target$110.00
Low target$98.00
Implied upside18.71%
Analyst count3
ConsensusBUY
Strong buy / Buy1 / 1
Hold1
Sell / Strong sell0 / 0
Held by insiders4.89%
Held by institutions93.36%
Institutions holding285
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
88.33
+0.45% from price
SMA 20
89.11
-0.43% from price
SMA 50
91.05
-2.55% from price
SMA 100
92.60
-4.18% from price
SMA 200
89.31
-0.65% from price
EMA 12
88.67
+0.06% from price
EMA 26
89.54
-0.90% from price
EMA 50
90.64
-2.11% from price
RSI (14)
45.7
Neutral
MACD (12,26,9)
-0.86
Hist 0.11
ATR (14)
1.93
2.17% of price
Realised vol 30D
15.9%
Annualised
Bollinger upper
91.40
20, 2σ
Bollinger lower
86.83
20, 2σ
50 / 200 cross
Golden
91.05 vs 89.31
Trend bias
Below 200
-0.65%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.67
Less volatile than market
Correlation to SPY
0.27
Largely independent
Realised vol 30D
15.9%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-18.7%
Peak to trough
Max drawdown 5Y
-82.3%
Peak to trough
ATR 14
1.93
2.17% of price
Beta (reported)
1.04
5Y monthly, from filing
Short interest
Shares short
621.51K
Prior 578.34K
Change vs prior
+7.5%
Shorts adding
% of float
5.30%
Normal
% of shares out
5.01%
Against total outstanding
Days to cover
5.8
Crowded exit
Float
11.25M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 28, 26 | UBS | MAINTAINED | Neutral | Neutral |
| Jul 23, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Apr 23, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Apr 16, 26 | UBS | INITIATED | — | Neutral |
| Jan 22, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Oct 27, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 21, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Dec 13, 24 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Dec 4, 24 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 23, 24 | JP Morgan | MAINTAINED | Overweight | Overweight |
| Jul 23, 24 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Apr 4, 24 | JP Morgan | MAINTAINED | Overweight | Overweight |
Dividends & splits
Forward rate$1.40 / yr
Forward yield1.58%
5-year avg yield—
Payout ratio9.62%
Ex-dividend dateJul 31, 2026
Next pay dateAug 11, 2026
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-07-31
Corporate Changes & Voting Matters
8-K · 2026-07-21
Corporate Changes & Voting Matters
8-K · 2026-07-20
Corporate Changes & Voting Matters
8-K · 2026-06-22
Annual report of employee stock purchase
11-K · 2026-06-17
Corporate Changes & Voting Matters
8-K · 2026-06-08
Periodic Financial Reports
10-Q · 2026-05-08
Offering Registrations
S-8 · 2026-04-29
Headlines
Metropolitan Bank Holding Corp. Schedules Third Quarter 2026 Earnings Release and Conference Call Dates
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3 U.S. Bank Stocks Built for Higher Interest Rates
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3 Banking Stocks Benefiting From Higher For Longer Interest Rates
Simply Wall St. · 14d ago
Metropolitan Commercial Bank Receives 2026 WebAward for Outstanding Website Excellence
Business Wire · 14d ago
Metropolitan Commercial Bank Unveils New Signage at Lakewood Banking Center
Business Wire · 48d ago
McCOY GLOBAL INC. ANNOUNCES APPROVAL OF NORMAL COURSE ISSUER BID
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Is Metropolitan Bank (MCB) Rebalancing Between Growth and Payouts With Its Higher Dividend?
Simply Wall St. · 75d ago
Why Metropolitan Bank Stock Sank by Nearly 9% Today
Motley Fool · 77d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.