Metropolitan Bank Holding Corp. (MCB) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Metropolitan Bank reported revenue of $315.1M, up 13.8% from $276.9M the year before. Net income was $71.1M (a 22.6% net margin), or $6.62 per diluted share. Net interest income was $303.2M, and the efficiency ratio (noninterest expense / revenue) was 55.9%. Operating activities generated $88.7M of cash. At fiscal year end, Metropolitan Bank held $8.26B in total assets against $7.51B in total liabilities, including $393.6M of cash and equivalents.
Open the full interactive Metropolitan Bank financials → Quarterly statements, key ratios, valuation history and price charts.
Metropolitan Bank Key Stats
| Share Price | $86.31 |
|---|---|
| Market Cap | $1.08B |
| P/E Ratio | 13.0 |
| Dividend Yield | 0.29% |
| Revenue YoY Growth | +13.8% |
| 52-Week Range | $65.06 – $100.98 |
| Shares Outstanding | 12.4 million (basic, 2026 Q2) |
Metropolitan Bank Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $124.9M | $157.0M | $229.2M | $222.8M | $253.1M | $303.2M |
| Provision for Credit Losses | $9.5M | $3.8M | $10.1M | $12.3M | $6.3M | $37.6M |
| Noninterest Income | $17.0M | $23.7M | $26.6M | $27.9M | $23.8M | $11.9M |
| Noninterest Expense | $74.5M | $87.3M | $148.7M | $131.5M | $173.6M | $176.0M |
| Revenue | $141.9M | $180.7M | $255.8M | $250.7M | $276.9M | $315.1M |
| Pre-Tax Income | $57.9M | $89.6M | $96.9M | $106.9M | $97.1M | $101.5M |
| Income Tax | $18.5M | $29.0M | $37.5M | $29.6M | $30.4M | $30.4M |
| Net Income | $39.5M | $60.6M | $59.4M | $77.3M | $66.7M | $71.1M |
| Diluted EPS | $4.66 | $6.45 | $5.29 | $6.91 | $5.93 | $6.62 |
Metropolitan Bank Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $79.8M | $88.4M | $88.5M | $93.0M |
| Net Income | $7.1M | $28.9M | $31.4M | $19.2M |
| Diluted EPS | $0.67 | $2.69 | $2.92 | $1.54 |
Metropolitan Bank Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $864.3M | $2.36B | $257.4M | $269.5M | $200.3M | $393.6M |
| Loans (Net) | $3.10B | $3.70B | $4.80B | $5.57B | $5.97B | $6.71B |
| Total Assets | $4.33B | $7.12B | $6.27B | $7.07B | $7.30B | $8.26B |
| Deposits | $3.82B | $6.44B | $5.28B | $5.74B | $5.98B | $7.38B |
| Total Long-Term Debt | $82.2M | $214.8M | $265.9M | $468.2M | $268.1M | $31.6M |
| Total Liabilities | $3.99B | $6.56B | $5.69B | $6.41B | $6.57B | $7.51B |
| Shareholders' Equity | $340.8M | $557.0M | $575.9M | $659.0M | $729.8M | $743.1M |
Metropolitan Bank Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $87.3M | $37.3M | $85.9M | $42.4M | $148.5M | $88.7M |
| Cash From Investing | -$489.0M | -$1.30B | -$1.23B | -$775.4M | -$369.6M | -$763.0M |
| Cash From Financing | $876.9M | $2.76B | -$958.5M | $745.1M | $152.0M | $867.6M |
| Dividends Paid | — | — | — | — | — | $3.1M |
Figures from Metropolitan Bank's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Metropolitan Bank financials page for every line item.
Metropolitan Bank Company Profile
| Ticker | MCB |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | New York, New York |
| Incorporated in | New York |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0001476034 |
Frequently Asked Questions
What was Metropolitan Bank's revenue in fiscal 2025?
Metropolitan Bank (MCB) reported revenue of $315.1M for fiscal 2025.
What is Metropolitan Bank's annual revenue history?
Metropolitan Bank's annual revenue by fiscal year: 2020: $141.9M; 2021: $180.7M; 2022: $255.8M; 2023: $250.7M; 2024: $276.9M; 2025: $315.1M.
What was Metropolitan Bank's net income in fiscal 2025?
Metropolitan Bank reported net income of $71.1M for fiscal 2025.
What was Metropolitan Bank's earnings per share (EPS) in fiscal 2025?
Metropolitan Bank's diluted EPS was $6.62 for fiscal 2025 (adjusted for any later stock splits).
What was Metropolitan Bank's revenue last quarter?
In its most recent reported quarter (2026 Q2), Metropolitan Bank reported revenue of $93.0M.
How much debt does Metropolitan Bank have?
Metropolitan Bank reported $31.6M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Metropolitan Bank are outstanding?
Metropolitan Bank reported a weighted average of 12.4 million basic shares outstanding in 2026 Q2.
What is Metropolitan Bank's market cap?
Based on its latest closing price, Metropolitan Bank (MCB) has a market capitalization of about $1.08B.
When does Metropolitan Bank's fiscal year end?
Metropolitan Bank's fiscal year end, as registered with the SEC, is December 31.
Where is Metropolitan Bank headquartered?
Metropolitan Bank lists its business address in New York, New York in its SEC filings.