What is Metropolitan Bank's earnings per share (EPS)?

Metropolitan Bank (MCB) reported diluted earnings per share of $6.62 for fiscal year 2025. This represents a 11.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Metropolitan Bank Financials

MCB

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Metropolitan Bank (MCB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 11 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI MCB FY2025 2026-05-08

Metropolitan Bank's leveraged balance-sheet model turns sub-1.0% asset returns into roughly 10.0% returns on equity.

FY2025's earnings increase did not reflect better asset productivity, because ROA remained below 1.0%. ROE still improved to 9.6% from 9.1%. That makes more sense once leverage is considered: debt to equity moved back above 10x, so the higher profit came more from a larger balance sheet than from better returns on each asset dollar.

Retained earnings rose from $316M to $451M over the last two years, showing that profits were being kept inside the bank to support growth rather than fully paid out. That internal capital build matters in a business funded mostly by liabilities, because it lets the bank enlarge the balance sheet while keeping shareholder returns from depending entirely on ever-higher leverage.

Per-share results got help from capital allocation, not just operating performance: the share count fell in FY2025 after $73.5M of buybacks. That means EPS can improve faster than total profit, so per-share growth here reflects both earnings generation and a smaller share base.

Financial Health Signals

Financial Profile 6/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Metropolitan Bank's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Metropolitan Bank's revenue declined 53.8% year-over-year, from $23.9M to $11.1M. This contraction results in a growth score of 0/100.

Leverage

Metropolitan Bank has elevated debt relative to equity (D/E of 10.11), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Metropolitan Bank's ROE of 9.6% shows moderate profitability relative to equity, earning a score of 33/100. This is up from 9.1% the prior year.

Piotroski F-Score Neutral

4/9

Metropolitan Bank passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.25x

For every $1 of reported earnings, Metropolitan Bank generates $1.25 in operating cash flow ($88.7M OCF vs $71.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$11.1M

YoY-53.8%

5Y CAGR-4.2%

10Y CAGR-10.3%

Metropolitan Bank generated $11.1M in revenue in fiscal year 2025. This represents a decrease of 53.8% from the prior year.

EBITDA

N/A

Net Income

$71.1M

YoY+6.6%

5Y CAGR+12.5%

10Y CAGR+32.5%

Metropolitan Bank reported $71.1M in net income in fiscal year 2025. This represents an increase of 6.6% from the prior year.

EPS (Diluted)

$6.62

YoY+11.6%

5Y CAGR+7.3%

10Y CAGR+15.7%

Metropolitan Bank earned $6.62 per diluted share (EPS) in fiscal year 2025. This represents an increase of 11.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$393.6M

YoY+96.5%

5Y CAGR-14.6%

10Y CAGR+19.6%

Metropolitan Bank held $393.6M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.30

Metropolitan Bank paid $0.30 per share in dividends in fiscal year 2025.

Shares Outstanding

10M

YoY-9.7%

5Y CAGR+4.0%

Metropolitan Bank had 10M shares outstanding in fiscal year 2025. This represents a decrease of 9.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

643.3%

YoY+364.7pp

5Y CAGR+354.5pp

10Y CAGR+630.2pp

Metropolitan Bank's net profit margin was 643.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 364.7 percentage points from the prior year.

Return on Equity

9.6%

YoY+0.4pp

5Y CAGR-2.0pp

10Y CAGR+3.9pp

Metropolitan Bank's ROE was 9.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$73.5M

Metropolitan Bank spent $73.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

N/A

MCB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$11.1M-53.8%	$23.9M-14.1%	$27.9M+3.8%	$26.9M+16.0%	$23.1M+69.4%	$13.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$84.0M+7.9%	$77.9M+16.3%	$67.0M+16.9%	$57.3M+24.8%	$45.9M+15.4%	$39.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$212.0M-1.5%	$215.3M+41.1%	$152.6M+383.1%	$31.6M+94.0%	$16.3M-10.4%	$18.2M
Income Tax	$30.4M+0.1%	$30.4M+2.5%	$29.6M-20.9%	$37.5M+29.2%	$29.0M+57.2%	$18.5M
Net Income	$71.1M+6.6%	$66.7M-13.7%	$77.3M+30.0%	$59.4M-1.9%	$60.6M+53.4%	$39.5M
EPS (Diluted)	$6.62+11.6%	$5.93-14.2%	$6.91+30.6%	$5.29-18.0%	$6.45+38.4%	$4.66

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$2.6M+9.0%	$2.4M-3.7%	$2.5M-4.8%	$2.6M-26.8%	$3.6M-21.5%	$4.5M-26.9%	$6.2M+1.2%	$6.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$24.1M+18.6%	$20.4M-6.1%	$21.7M+7.0%	$20.3M-6.8%	$21.7M+10.8%	$19.6M-1.4%	$19.9M+7.3%	$18.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$49.0M-6.0%	$52.1M-4.7%	$54.7M+2.4%	$53.4M+3.0%	$51.8M-2.6%	$53.2M-3.6%	$55.2M+1.8%	$54.2M
Income Tax	$13.0M+5.2%	$12.3M+302.4%	$3.1M-61.8%	$8.0M+14.4%	$7.0M-29.4%	$9.9M+87.1%	$5.3M-25.1%	$7.1M
Net Income	$31.4M+8.9%	$28.9M+305.4%	$7.1M-62.1%	$18.8M+14.8%	$16.4M-23.6%	$21.4M+74.6%	$12.3M-27.0%	$16.8M
EPS (Diluted)	$2.92	N/A	$0.67-61.9%	$1.76+21.4%	$1.45	N/A	$1.08-28.0%	$1.50

MCB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$8.3B+13.1%	$7.3B+3.3%	$7.1B+12.8%	$6.3B-11.9%	$7.1B+64.3%	$4.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$393.6M+96.5%	$200.3M-25.7%	$269.5M+4.7%	$257.4M-89.1%	$2.4B+173.0%	$864.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$9.7M0.0%	$9.7M0.0%	$9.7M0.0%	$9.7M-0.3%	$9.7M0.0%	$9.7M
Total Liabilities	$7.5B+14.3%	$6.6B+2.5%	$6.4B+12.6%	$5.7B-13.2%	$6.6B+64.4%	$4.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$743.1M+1.8%	$729.8M+10.7%	$659.0M+14.4%	$575.9M+3.4%	$557.0M+63.4%	$340.8M
Retained Earnings	$450.6M+17.8%	$382.7M+21.1%	$316.0M+31.2%	$240.8M+32.8%	$181.4M+50.1%	$120.8M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$8.8B+7.1%	$8.3B+0.3%	$8.2B+4.8%	$7.9B+3.1%	$7.6B+4.3%	$7.3B-1.4%	$7.4B+1.9%	$7.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$672.4M+70.8%	$393.6M+2.0%	$385.9M+153.2%	$152.5M-22.4%	$196.5M-1.9%	$200.3M-37.1%	$318.5M+30.2%	$244.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	$9.7M	N/A	N/A	N/A	$9.7M	N/A	N/A
Total Liabilities	$7.9B+5.1%	$7.5B+0.1%	$7.5B+5.2%	$7.1B+3.7%	$6.9B+4.7%	$6.6B-1.8%	$6.7B+1.7%	$6.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$948.3M+27.6%	$743.1M+1.5%	$732.0M+1.3%	$723.0M-2.0%	$737.8M+1.1%	$729.8M+2.0%	$715.2M+3.3%	$692.4M
Retained Earnings	$479.2M+6.3%	$450.6M+6.4%	$423.3M+1.3%	$417.8M+4.7%	$399.0M+4.3%	$382.7M+5.9%	$361.2M+3.5%	$349.0M

MCB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$88.7M-40.3%	$148.5M+249.9%	$42.4M-50.6%	$85.9M+130.4%	$37.3M-57.3%	$87.3M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$763.0M-106.4%	-$369.6M+52.3%	-$775.4M+36.9%	-$1.2B+5.7%	-$1.3B-166.4%	-$489.0M
Financing Cash Flow	$867.6M+471.0%	$152.0M-79.6%	$745.1M+177.7%	-$958.5M-134.7%	$2.8B+214.9%	$876.9M
Dividends Paid	$3.1M	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$73.5M	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$55.0M+79.0%	$30.7M-3.3%	$31.8M+72.9%	$18.4M+136.8%	$7.8M-90.7%	$83.4M+1637.3%	$4.8M-86.4%	$35.3M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$313.8M-1187.9%	-$24.4M+83.8%	-$150.5M+46.5%	-$281.4M+8.3%	-$306.7M-167.7%	-$114.6M-267.7%	-$31.2M+70.9%	-$107.1M
Financing Cash Flow	$537.6M+41834.9%	$1.3M-99.6%	$352.1M+60.8%	$219.0M-25.8%	$295.2M+439.1%	-$87.0M-186.9%	$100.2M+146.0%	-$217.9M
Dividends Paid	$2.0M+29.6%	$1.6M-0.4%	$1.6M	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$9.9M-51.2%	$20.2M+637.2%	$2.7M-92.7%	$37.6M+190.6%	$12.9M	N/A	N/A	N/A

MCB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	643.3%+364.7pp	278.6%+1.5pp	277.1%+55.8pp	221.3%-40.3pp	261.6%-27.2pp	288.7%
Return on Equity	9.6%+0.4pp	9.1%-2.6pp	11.7%+1.4pp	10.3%-0.6pp	10.9%-0.7pp	11.6%
Return on Assets	0.9%-0.1pp	0.9%-0.2pp	1.1%+0.1pp	0.9%+0.1pp	0.9%-0.1pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.11+1.1	9.00-0.7	9.72-0.2	9.88-1.9	11.78+0.1	11.71
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	1204.5%-1.4pp	1205.9%+919.5pp	286.5%-432.6pp	719.0%+260.3pp	458.7%-12.6pp	471.3%+274.1pp	197.3%-76.0pp	273.3%
Return on Equity	3.3%-0.6pp	3.9%+2.9pp	1.0%-1.6pp	2.6%+0.4pp	2.2%-0.7pp	2.9%+1.2pp	1.7%-0.7pp	2.4%
Return on Assets	0.4%0.0pp	0.4%+0.3pp	0.1%-0.1pp	0.2%+0.0pp	0.2%-0.1pp	0.3%+0.1pp	0.2%-0.1pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.33-1.8	10.11-0.1	10.25+0.4	9.86+0.5	9.32+0.3	9.00-0.3	9.35-0.1	9.49
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Metropolitan Bank's annual revenue?

Metropolitan Bank (MCB) reported $11.1M in total revenue for fiscal year 2025. This represents a -53.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Metropolitan Bank's revenue growing?

Metropolitan Bank (MCB) revenue declined by 53.8% year-over-year, from $23.9M to $11.1M in fiscal year 2025.

Is Metropolitan Bank profitable?

Yes, Metropolitan Bank (MCB) reported a net income of $71.1M in fiscal year 2025, with a net profit margin of 643.3%.

What is Metropolitan Bank's net profit margin?

Metropolitan Bank (MCB) had a net profit margin of 643.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Metropolitan Bank pay dividends?

Yes, Metropolitan Bank (MCB) paid $0.30 per share in dividends during fiscal year 2025.

What is Metropolitan Bank's return on equity (ROE)?

Metropolitan Bank (MCB) has a return on equity of 9.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Metropolitan Bank's operating cash flow?

Metropolitan Bank (MCB) generated $88.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Metropolitan Bank's total assets?

Metropolitan Bank (MCB) had $8.3B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Metropolitan Bank buy back shares?

Yes, Metropolitan Bank (MCB) spent $73.5M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Metropolitan Bank have outstanding?

Metropolitan Bank (MCB) had 10M shares outstanding as of fiscal year 2025.

What is Metropolitan Bank's debt-to-equity ratio?

Metropolitan Bank (MCB) had a debt-to-equity ratio of 10.11 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Metropolitan Bank's return on assets (ROA)?

Metropolitan Bank (MCB) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Metropolitan Bank's Piotroski F-Score?

Metropolitan Bank (MCB) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Metropolitan Bank's earnings high quality?

Metropolitan Bank (MCB) has an earnings quality ratio of 1.25x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Metropolitan Bank?

Metropolitan Bank (MCB) scores 6 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.