olivLaw · US equity research
Metropolitan Bank Holding Corp. MCB
State Commercial Banks · SIC 6022 · Vertical: State Commercial Banks (SIC 6022)
Metropolitan Bank Holding Corp. is the holding company for Metropolitan Commercial Bank, a New York commercial bank focused on middle-market businesses, real estate investors and public entities in the New York metropolitan area. Its net interest margin rose to 4.36% in the third quarter of 2026, which points to stronger earnings if funding conditions stay favorable.
At the close of 04 Nov 2026, Metropolitan Bank Holding Corp. (MCB) stock was 97.68 USD (+1.74% on the day), with market capitalisation 1.2 bn USD, P/E 12.4 on diluted EPS of 7.90 USD over the last 12 months, dividend yield 0.31%, beta 0.94, 52-week range 65.64–101.36 USD. Latest reported quarter (Q2 2026): revenue of 2.6 m USD (−0.9% YoY), net income of 19.2 m USD (+2.4% YoY), diluted EPS 1.54 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 66.4
- strong (55–70)
- Bollinger (20, 2)
- 82.63 – 101.56
- in the upper half of the band · %B 0.79 · band width 20.6%
- SMA 50 / 200
- 90.69 / 90.57
- uptrend (price > SMA50 > SMA200)
- MACD (12, 26, 9)
- 2.23 / 1.65
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | +10.3% | −1.1% | +11.4 pp | — |
| 3 months | +3.9% | −0.5% | +4.3 pp | — |
| 6 months | +7.7% | +4.4% | +3.3 pp | — |
| Year to date | +27.9% | +12.3% | +15.6 pp | — |
| 1 year | +48.0% | +13.5% | +34.5 pp | +23.6% |
| 3 years | +161.6% | +76.4% | +85.2 pp | +74.0% |
| 5 years | −1.6% | +63.7% | −65.3 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q2 2026 · 30 Jun 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 6.2 m | 4.5 m | 3.6 m | 2.6 m | 2.5 m | 2.4 m | 2.6 m | 2.6 m |
| Depreciation & amortisation | -3.3 m ≈ | 11.7 m | -1.5 m | -2.0 m ≈ | -5.4 m ≈ | 11.7 m | -3.1 m | -1.7 m ≈ |
| Pre-tax income | 17.6 m | 31.3 m | 23.4 m | 26.8 m | 10.2 m | 41.2 m | 44.4 m | 27.9 m |
| Income tax | 5.3 m | 9.9 m | 7.0 m | 8.0 m | 3.1 m | 12.3 m | 13.0 m | 8.7 m |
| Net income | 12.3 m | 21.4 m | 16.4 m | 18.8 m | 7.1 m | 28.9 m | 31.4 m | 19.2 m |
| Diluted EPS | 1.08 | 1.88 ≈ | 1.45 | 1.76 | 0.67 | 2.77 ≈ | 2.92 | 1.54 |
| Operating cash flow | 4.8 m ≈ | 83.4 m | 7.8 m | 18.4 m ≈ | 31.8 m ≈ | 30.7 m | 55.0 m | -10.8 m ≈ |
| Dividends paid | — | — | — | — | — | 1.6 m | 2.0 m | 3.4 m ≈ |
| Share repurchases | — | — | 12.9 m | 37.6 m ≈ | 2.7 m ≈ | 20.2 m | 9.9 m | 0 ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 69 percentile of its own 35-quarter history (min 5.8, median 10.3, max 19.0; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | unavailable | unavailable | 13.7 m | 23.2 m | 26.9 m | 27.9 m | 23.9 m | 11.1 m |
| Revenue YoY | unavailable | unavailable | unavailable | +69.4% | +16.0% | +3.8% | −14.1% | −53.8% |
| Net income | 25.6 m | 30.1 m | 39.5 m | 60.6 m | 59.4 m | 77.3 m | 66.7 m | 71.1 m |
| Net income YoY | +106.6% | +17.9% | +31.0% | +53.4% | −1.9% | +30.0% | −13.7% | +6.6% |
| Diluted EPS | 3.06 | 3.56 | 4.66 | 6.45 | 5.29 | 6.91 | 5.93 | 6.62 |
| Diluted EPS YoY | +30.8% | +16.3% | +30.9% | +38.4% | −18.0% | +30.6% | −14.2% | +11.6% |
| net % | unavailable | unavailable | 288.7% | 261.6% | 221.3% | 277.1% | 278.6% | 643.2% |
| Free cash flow | 25.1 m | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 393.6 m USD
- Financial debt
- unavailable USD
- Net debt
- unavailable USD
- Equity
- 743.1 m USD
- Total assets
- 8.3 bn USD
- Debt / equity
- unavailable
- Current ratio
- unavailable
- ROE
- 9.7%
- ROA
- 0.9%
- FCF margin
- unavailable
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Net interest income | 124.9 m | 157.0 m | 229.2 m | 222.8 m | 253.1 m | 303.2 m | SEC (XBRL)· 20 Feb 2026verified |
| Net fee income | 17.0 m | 23.7 m | 26.6 m | 27.9 m | 23.8 m | 11.9 m | SEC (XBRL)· 20 Feb 2026verified |
| Non-interest expense | 74.5 m | 87.3 m | 148.7 m | 131.5 m | 173.6 m | 176.0 m | SEC (XBRL)· 20 Feb 2026verified |
| Pre-tax income | 57.9 m | 89.6 m | 96.9 m | 106.9 m | 97.1 m | 101.5 m | SEC (XBRL)· 20 Feb 2026verified |
| Net income | 39.5 m | 60.6 m | 59.4 m | 77.3 m | 66.7 m | 71.1 m | SEC (XBRL)· 20 Feb 2026verified |
| Diluted EPS | 4.66 | 6.45 | 5.29 | 6.91 | 5.93 | 6.62 | SEC (XBRL)· 20 Feb 2026verified |
| Dividend per share | — | — | — | — | — | 0.30 | SEC (XBRL)· 20 Feb 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 864.3 m | 2.4 bn | 257.4 m | 269.5 m | 200.3 m | 393.6 m | SEC (XBRL)· 20 Feb 2026verified |
| Loans | 3.1 bn | 3.7 bn | 4.8 bn | 5.6 bn | 6.0 bn | 6.7 bn | SEC (XBRL)· 20 Feb 2026verified |
| Total assets | 4.3 bn | 7.1 bn | 6.3 bn | 7.1 bn | 7.3 bn | 8.3 bn | SEC (XBRL)· 20 Feb 2026verified |
| Deposits | 3.8 bn | 6.4 bn | 5.3 bn | 5.7 bn | 6.0 bn | 7.4 bn | SEC (XBRL)· 20 Feb 2026verified |
| Total liabilities | 4.0 bn | 6.6 bn | 5.7 bn | 6.4 bn | 6.6 bn | 7.5 bn | SEC (XBRL)· 20 Feb 2026verified |
| Equity | 340.8 m † | 557.0 m † | 575.9 m † | 659.0 m † | 729.8 m † | 743.1 m † | SEC (XBRL)· 20 Feb 2026verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Dividends paid | — | — | — | — | — | 3.1 m | SEC (XBRL)· 20 Feb 2026verified |
| Share repurchases | — | — | — | — | — | 73.5 m | SEC (XBRL)· 20 Feb 2026verified |
Computed indicators
Growth
Profitability
Returns
Market and valuation
Banking
32 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 46 / 100
A scoring methodology on indicators and valuation, not investment advice.
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: 1.2 bn USD
Key indicators
Coverage and freshness
Score by group
- Balance sheet15
- Growth37
- Quality56
- Returns0
- Valuation58
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 77.54 – 116.23 USD.
Methods computed but outside the aggregate range: Dividend discount (DDM) (a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate).
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- Residual income77.99 – 81.64 (Mid 79.79)
- Justified P/B77.54 – 104.28 (Mid 88.94)
- Dividend discount (DDM)outside the aggregate3.94 – 5.30 (Mid 4.52)a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate
- Peers: P/E87.41 – 106.21 (Mid 101.16)33 companies used · median multiple 12.8x · quartiles 11.1x – 13.4xACNB, ALLY, ASB, AUBN, BANR, BNY, BWFG, CFG, COFS, COSO, EFSI, EWBC, FBP, FHB, FUSB, FVCB, GABC, HTH, ISBA, JMSB, MNSB, MTB, MYFW, NTRS, NWFL, OFG, OPBK, PEBK, STT, TCBI, TCBK, WAL, WTFC
- Peers: P/B86.04 – 116.23 (Mid 99.84)34 companies used · median multiple 1.3x · quartiles 1.1x – 1.5xACNB, ALLY, ASB, AUBN, AVBH, BANR, BWFG, CFG, COFS, COSO, EFSI, EWBC, FBP, FHB, FITB, FUSB, FVCB, GABC, GBCI, HTH, ISBA, JMSB, MNSB, MTB, MYFW, NWFL, OFG, OPBK, PEBK, STT, TCBI, TCBK, WAL, WTFC
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Neutral profile · Score 46/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROE · Quality | 10.2% | 50 (vs peers) | 19% |
| ROA · Quality | 1.0% | 45 (on a fixed band) | 7% |
| Cost-to-income · Quality | 53.9% | 45 (on a fixed band) | 12% |
| Net interest margin · Quality | 4.1% | 100 (on a fixed band) | 7% |
| EPS CAGR 3Y · Growth | 7.8% | 65 (on a fixed band) | 10% |
| Revenue CAGR 3Y · Growth | -25.6% | 0 (on a fixed band) | 7% |
| NPL ratio · Balance sheet | unavailable | unavailable | — |
| Cost of risk · Balance sheet | unavailable | unavailable | — |
| Loan-to-deposit · Balance sheet | 94.0% | 15 (on a fixed band) | 5% |
| P/B · Valuation | 1.3x | 56 (vs peers) | 12% |
| P/E (TTM) · Valuation | 12.4x | 60 (vs peers) | 12% |
| Dividend yield · Returns | 0.3% | 0 (vs peers) | 10% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partial15/100 · 1/3 factors with a value
- Growth37/100 · 2/2 factors with a value
- Quality56/100 · 4/4 factors with a value
- Returns0/100 · 1/1 factors with a value
- Valuation58/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
Metropolitan Bank Holding Corp. (MCB). Latest full fiscal year: 2025; data up to 2026-06-30.
Figures computed from the financial statements: net interest income 303.2 m USD in 2025; YoY growth -53.8%; net margin 860.0%; ROE 10.2%.
The estimated value range is 82.02–105.24 USD per share (median of 4 methods, agreement: high); assumptions are illustrative. Against the central value of 94.39 USD, the price of 97.68 USD leaves a potential of -3.4% (value / price − 1) and a margin of safety of -3.5% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 46/100, methodological classification: neutral profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- Net interest margin: 4.1%
What contradicts it
- Revenue CAGR 3Y: -25.6%
- Loan-to-deposit: 94.0%
- Dividend yield: 0.3%
Not assessed (insufficient data or a ratio without meaning): NPL ratio, Cost of risk.
Versus the vertical median
State Commercial Banks (SIC 6022) · same industry (4-digit SIC) · compared with 39 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| BNYThe Bank Of New York Mellon Corporation | 102.8 bn | 16.8 | 15.0% | 32.6% | +7.8% | +36% / +216% |
| FITBFifth Third Bancorp | 49.4 bn | 18.4 | 9.4% | — | −2.0% | +26% / +89% |
| STTState Street Corporation | 47.2 bn | 13.9 | 13.1% | 23.8% | +7.3% | +46% / +138% |
| MTBM&T Bank Corp | 32.4 bn | 11.7 | 10.7% | 178.1% | +7.5% | +18% / +75% |
| NTRSNorthern Trust Corporation | 32.2 bn | 13.7 | 18.4% | 28.8% | −2.5% | +36% / +125% |
| CFGCitizens Financial Group Inc | 27.6 bn | 13.0 | 8.9% | 25.4% | +5.6% | +22% / +142% |
| EWBCEast West Bancorp, Inc. | 18.4 bn | 12.9 | 16.6% | — | +4.4% | +26% / +113% |
| ALLYAlly Financial Inc. | 11.8 bn | 8.8 | 9.9% | 16.8% | −3.3% | −5% / +35% |
| WTFCWintrust Financial Corp | 10.5 bn | 11.9 | 12.9% | 347.5% | +5.9% | +16% / +82% |
| WALWestern Alliance Bancorporation | 8.5 bn | 8.7 | 13.3% | 436.5% | +99.7% | −3% / +55% |
| GBCIGlacier Bancorp, Inc. | 6.5 bn | 18.6 | 8.8% | 308.8% | +7.5% | +17% / +48% |
| ASBAssociated Banc-Corp | 5.8 bn | 10.8 | 10.2% | — | −11.0% | +19% / +77% |
| TCBITexas Capital Bancshares Inc | 4.5 bn | 13.4 | 10.2% | — | unavailable | +18% / +93% |
| FBPFirst Bancorp | 4.1 bn | 11.2 | 19.5% | 29.0% | +2.4% | +34% / +77% |
| FHBFirst Hawaiian, Inc. | 3.1 bn | 11.6 | 9.9% | 30.3% | +8.9% | +4% / +32% |
| BANRBanner Corporation | 2.6 bn | 12.2 | 10.0% | — | unavailable | +14% / +59% |
| OFGOFG Bancorp | 2.2 bn | 10.1 | 16.1% | — | unavailable | +30% / +53% |
| HTHHilltop Holdings Inc. | 2.1 bn | 15.7 | 6.6% | — | unavailable | +10% / +28% |
| GABCGerman American Bancorp, Inc. | 1.9 bn | 13.4 | 12.5% | 28.2% | +37.8% | +28% / +76% |
| TCBKTriCo Bancshares | 1.7 bn | 12.9 | 10.4% | 249.7% | +4.1% | +12% / +57% |
| MCBMetropolitan Bank Holding Corp. | 1.2 bn | 12.4 | 10.2% | 860.0% | −53.8% | +48% / +162% |
| ACNBAcnb Corporation | 686.6 m | 12.8 | 13.3% | 27.1% | +45.1% | +39% / +73% |
| BWFGBankwell Financial Group, Inc. | 584.1 m | 12.9 | 14.5% | 1,437.5% | +44.0% | +60% / +172% |
| COFSChoiceOne Financial Services, Inc. | 562.5 m | 10.4 | 12.0% | 42.0% | +63.6% | +24% / +50% |
| NWFLNorwood Financial Corp | 398.9 m | 12.7 | 11.2% | 338.1% | +8.1% | +28% / +32% |
1- and 3-year price returns: for MCB from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | 46.21 Total return -53% · Per year -53% | 82.11 Total return -16% · Per year -16% | 124.24 Total return 28% · Per year 28% |
| 3 years | 36.69 Total return -62% · Per year -28% | 74.10 Total return -23% · Per year -9% | 124.24 Total return 28% · Per year 9% |
| 5 years | 29.13 Total return -69% · Per year -21% | 66.88 Total return -30% · Per year -7% | 124.24 Total return 29% · Per year 5% |
- Exit P/E± 18.53
- Net margin± 12.97
- Annual revenue growth± 11.71
- Annual dilution± 1.09
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
In brief
Metropolitan Bank Holding Corp. is the holding company for Metropolitan Commercial Bank, a New York commercial bank focused on middle-market businesses, real estate investors and public entities in the New York metropolitan area. Its net interest margin rose to 4.36% in the third quarter of 2026, which points to stronger earnings if funding conditions stay favorable 13.
SWOT
Strengths
- A stable deposit base built on long-standing client relationships and niche segments supports funding without a large branch network 1.
- Capital and liquidity are strong, with capital above regulatory requirements and substantial available liquidity 3.
- Deep experience in healthcare and New York real estate lending, supported by specialized teams 1.
Weaknesses
- Geographic concentration in the New York area leaves the bank exposed to any local economic slowdown 1.
- The portfolio is dominated by large loans that are hard to sell if they default, which raises loss risk 1.
- High exposure to healthcare, especially care facilities, concentrates risk in a single sector 1.
Opportunities
Risks
- Concentration in real estate lendinghigh
The portfolio is dominated by CRE and C&I loans, which carry more risk than residential mortgages, so a real estate downturn could weigh heavily on results 1.
- New York rent regulationhigh
Measures limiting rent increases on regulated properties could affect borrowers' ability to pay and the value of collateral 1.
- Adequacy of loan loss reservesmedium
The allowance for credit losses relies on external models and forecasts, and a shortfall could reduce earnings materially 1.
- Interest rates and monetary policymedium
Changes in monetary policy can alter net interest income and the value of long-dated securities 1.
- Exposure to healthcaremedium
A significant share of loans goes to care facilities, which could become problematic if that sector weakens 1.
Investment thesis
What would need to be true (bull case)
- The net interest margin rose visibly in the third quarter of 2026 and earnings per share climbed from prior quarters, a positive trend if it holds 3.
- Deposits have grown quickly and liquidity is high, which could support loan expansion if demand stays solid 23.
- Solid capital and the announcement of a share repurchase program and a higher dividend may signal confidence in the outlook 23.
What would break the thesis
- Concentration in commercial real estate and in the New York area leaves the bank vulnerable if the local market weakens 1.
- Rent regulation and credit risk in the C&I segment could reduce profitability over the medium term 1.
- Rapid growth in loans and deposits could pressure asset quality if underwriting standards loosen 13.
What to watch
- Trend in net interest margin and funding costsQ4 2026
- Level of non-performing loans and loan loss provisionsQ4 2026
- Pace of execution of the share repurchase program2027
- Opening of the West Palm Beach center and results in Florida2027
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
The business
The bank offers commercial real estate and commercial and industrial lending, along with cash management, solutions for government entities and charter schools, real estate transaction services and EB-5 escrow accounts 1. Funding relies on relationship-based deposits rather than a large branch network, with seven banking centers at the end of 2025 and eight by mid-2026 12. Strategy centers on organic growth with existing clients and new relationships in loans typically between 3 and 40 million dollars 1.
Lending is dominated by commercial real estate, including multi-family, and commercial loans, with significant exposure to healthcare and skilled nursing facilities 1. Deposits come from several verticals, including borrowing clients, retail clients, corporate cash management, municipalities, EB-5 and escrow services 1. The bank is well capitalized, and in the third quarter of 2026 it announced a higher quarterly dividend 23.
Revenue depends mainly on net interest income, which rose in the third quarter of 2026 on higher average loan balances and a lower cost of funds 3. Fee income is small relative to interest income 3. The bank exited the crypto-asset business and the GPG BaaS business, reducing exposure to more volatile activities 1.
Segments
Commercial real estate loans (CRE)
CRE loans, including multi-family and owner-occupied properties, make up most of the portfolio and drove loan growth in the third quarter of 2026 13.
Market context
The main market is the New York metropolitan area, with a diversified economy spanning services, trade, finance, technology and construction and a large segment of middle-market firms with revenue between 5 and 400 million dollars 1. The bank has extended its presence into South Florida through a loan office and a planned West Palm Beach center 1.
Competition is intense, with the bank facing community, regional and large banks as well as non-bank commercial finance companies 1. Dependence on the New York economy is a structural factor, since much of the business is concentrated there 1.
Trends
- Net interest margin expansiontailwind
The net interest margin rose in the third quarter of 2026 on higher loan yields and a lower cost of funds, which could support earnings if the rate environment stays stable 3.
- Pressure in commercial real estateheadwind
Heavy concentration in CRE and multi-family loans makes the bank sensitive to falling property values and to New York rent rules, which could raise credit costs 1.
- Monetary policy and interest ratesmixed
Changes in monetary policy can affect net interest income and the value of long-dated securities, an effect that could be larger if rates rise again 1.
- Deposit growth and liquiditytailwind
Deposits grew strongly in 2026 and available liquidity covers a large share of uninsured deposits, offering flexibility if funding conditions change 23.
Competitive position
The bank competes for loans and deposits with commercial banks, savings associations, credit unions, finance companies and pension funds, many with greater resources 1. Competition for deposits often turns on price, which could pressure margins 1.
The bank differentiates itself through accessibility, tailored products, disciplined underwriting and speed of execution, focusing on clients it views as underserved by larger institutions 1.
- Regional and large New York banks
Compete for commercial loans and deposits in the same metropolitan area, often with higher lending limits and greater resources 1.
- Non-bank commercial finance companies
Compete nationally for commercial loans without the same regulatory burden as banks 1.
- Credit unions and community banks
Compete for retail clients and local deposits in the communities the bank serves 1.
- Mutual funds and brokerage firms
Compete for client funds through alternative savings and investment products 1.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Current report20 Oct 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
- Current report19 Oct 2026Other events · Financial statements and exhibits
- Quarterly report31 Jul 2026
- Current report21 Jul 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
- Current report20 Jul 2026Other events · Financial statements and exhibits
- Current report22 Jun 2026Other events · Financial statements and exhibits
- Current report08 Jun 2026Departure or appointment of officers · Financial statements and exhibits
- Quarterly report08 May 2026
- Current report29 Apr 2026Shareholder vote
- Current report21 Apr 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / Metropolitan Bank Holding Corp. · 20 Feb 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / Metropolitan Bank Holding Corp. · 31 Jul 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / Metropolitan Bank Holding Corp. · 20 Oct 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.