MCB
Metropolitan Bank Holding Corp.79.63
-0.26-0.33%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Key Stats
Market Cap
829.85MP/E (TTM)
13.78Basic EPS (TTM)
5.78Dividend Yield
0%Recent Filings
10-Q
Q3 FY2025 results
Net interest income climbed 18.6% y/y to $77.3M in Q3 FY2025 ended September 30, 2025, driving diluted EPS of $0.67 despite a $21.2M y/y provision surge to $23.9M tied to one CRE multi-family relationship and macro shifts; q/q net income fell to $7.1M from loan growth and absent GPG revenue, yet margins expanded to 3.88% (derived). Loans hit $6.8B, up 12.4% from year-end on CRE demand, with deposits swelling 18.2% to $7.1B and cash at $386M; borrowings dropped to $313M while $3.2B wholesale capacity waits. Repurchased $2.7M in shares under $100M program. CRE non-performers rose to 1.2% of loans, testing reserves.
8-K
Q3 earnings hit by CRE provision
Metropolitan Bank Holding Corp. reported Q3 2025 net income of $7.1 million ($0.67/share), down sharply from Q2's $18.8 million due to a $23.9 million credit provision—$18.7 million on one out-of-market CRE multi-family loan. Loans hit $6.8 billion (up 15% YoY), deposits $7.1 billion (up 12.8%), net interest income $77.3 million (up 18.5% YoY) at 3.88% margin. Non-performing loans doubled to 1.20%. CRE exposure remains high.
8-K
Quarterly dividend declared
Metropolitan Bank Holding Corp. declared a quarterly cash dividend of $0.15 per share on October 21, 2025, payable November 14 to shareholders of record on October 30. This steady payout underscores the company's commitment to returning capital amid its strong regional banking operations. Dividends reward investors reliably. Yet forward-looking statements warn of risks that could affect future performance.
8-K
Fabiano named Chairman
Metropolitan Bank Holding Corp. elected Anthony J. Fabiano as independent Chairman of the Board on September 30, 2025, while William Reinhardt, Chairman since 2018, stays on the board. Fabiano, a board member since 2020 with over 40 years in banking finance and prior CFO role, now chairs both company and bank boards. Leadership continuity aids growth.
10-Q
Q2 FY2025 results
Metropolitan Bank Holding Corp. posted solid Q2 2025 results, with net interest income climbing 19.7% year-over-year to $73.6 million, fueled by loan growth and a 39 basis point expansion in net interest margin to 3.83% (derived). Diluted EPS rose 17.3% to $1.76, aligning with 10.7 million weighted-average shares, while the provision for credit losses jumped to $6.4 million amid CRE and C&I provisioning. Deposits swelled 13.5% year-to-date to $6.8 billion, bolstering liquidity with $152.5 million in cash equivalents and $2.9 billion in available wholesale funding; total debt stood at $237.9 million, including $150 million in FHLBNY advances at 4.43%. The bank repurchased $50 million in shares, signaling confidence. Yet, CRE concentrations in healthcare and real estate expose it to economic downturns.
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