Metropolitan Bank Financials
Metropolitan Bank (MCB) reported $11.1M in revenue for fiscal year 2025, down 53.8% from the prior fiscal year. This page shows its 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).
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 below1.0% . ROE still improved to9.6% from9.1% . 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
Per-share results got help from capital allocation, not just operating performance: the share count fell in FY2025 after
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.
Metropolitan Bank passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.
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
Earnings & Revenue
Metropolitan Bank generated $11.1M in revenue in fiscal year 2025. This represents a decrease of 53.8% from the prior year.
Metropolitan Bank reported $71.1M in net income in fiscal year 2025. This represents an increase of 6.6% from the prior year.
Metropolitan Bank earned $6.62 per diluted share (EPS) in fiscal year 2025. This represents an increase of 11.6% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Metropolitan Bank held $393.6M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Metropolitan Bank paid $0.30 per share in dividends in fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
Metropolitan Bank spent $73.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
MCB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $10.1M | $11.1M-53.8% | $23.9M-14.1% | $27.9M+3.8% | $26.9M+16.0% | $23.1M+69.4% | $13.7M-89.5% | $129.8M+54.6% | $83.9M+37.9% | $60.9M+37.8% | $44.2M+35.1% | $32.7M |
| SG&A Expenses | $91.5M | $84.0M+7.9% | $77.9M+16.3% | $67.0M+16.9% | $57.3M+24.8% | $45.9M+15.4% | $39.8M+27.4% | $31.2M+21.8% | $25.7M+33.9% | $19.2M+12.7% | $17.0M+28.7% | $13.2M |
| Interest Expense | $206.3M | $212.0M-1.5% | $215.3M+41.1% | $152.6M+383.1% | $31.6M+94.0% | $16.3M-10.4% | $18.2M-43.5% | $32.2M+153.0% | $12.7M+46.7% | $8.7M+42.4% | $6.1M+15.8% | $5.3M |
| Income Tax | $37.0M | $30.4M+0.1% | $30.4M+2.5% | $29.6M-20.9% | $37.5M+29.2% | $29.0M+57.2% | $18.5M+32.5% | $13.9M+24.1% | $11.2M+0.1% | $11.2M+268.1% | $3.0M+19.0% | $2.6M |
| Net Income | $86.6M | $71.1M+6.6% | $66.7M-13.7% | $77.3M+30.0% | $59.4M-1.9% | $60.6M+53.4% | $39.5M+31.0% | $30.1M+17.9% | $25.6M+106.6% | $12.4M+146.7% | $5.0M+17.4% | $4.3M |
| EPS (Diluted) | — | $6.62+11.6% | $5.93-14.2% | $6.91+30.6% | $5.29-18.0% | $6.45+38.4% | $4.66+30.9% | $3.56+16.3% | $3.06 | $2.34 | $0.43 | $1.54 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
MCB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $8.3B+13.1% | $7.3B+3.3% | $7.1B+12.8% | $6.3B-11.9% | $7.1B+64.3% | $4.3B+29.0% | $3.4B+53.8% | $2.2B+24.0% | $1.8B+44.2% | $1.2B | 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+122.1% | $389.2M+67.1% | $232.9M-10.8% | $261.2M+215.0% | $82.9M+26.3% | $65.6M |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | $5.7M+2.7% | $5.5M-16.4% | $6.6M+21.8% | $5.4M | N/A |
| Goodwill | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M-0.3% | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M | N/A |
| Total Liabilities | $7.5B+14.3% | $6.6B+2.5% | $6.4B+12.6% | $5.7B-13.2% | $6.6B+64.4% | $4.0B+30.5% | $3.1B+59.4% | $1.9B+25.9% | $1.5B+37.1% | $1.1B | 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+13.9% | $299.1M+13.1% | $264.4M+11.6% | $236.9M+116.4% | $109.5M+44.2% | $76.0M |
| Retained Earnings | $450.6M+17.8% | $382.7M+21.1% | $316.0M+31.2% | $240.8M+32.8% | $181.4M+50.1% | $120.8M+48.5% | $81.4M+58.2% | $51.4M+98.8% | $25.9M+91.7% | $13.5M | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Long-Term Debt.
MCB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $106.8M | $88.7M-40.3% | $148.5M+249.9% | $42.4M-50.6% | $85.9M+130.4% | $37.3M-57.3% | $87.3M+124.0% | $39.0M+44.0% | $27.1M-14.0% | $31.5M+116.2% | $14.6M+167.5% | $5.4M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $2.0M-11.2% | $2.2M+87.4% | $1.2M-31.9% | $1.7M |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $25.1M-14.2% | $29.3M+118.7% | $13.4M+260.5% | $3.7M |
| Investing Cash Flow | -$899.0M | -$763.0M-106.4% | -$369.6M+52.3% | -$775.4M+36.9% | -$1.2B+5.7% | -$1.3B-166.4% | -$489.0M+51.8% | -$1.0B-123.2% | -$454.6M-24.0% | -$366.6M-56.9% | -$233.7M-24.9% | -$187.1M |
| Financing Cash Flow | $879.0M | $867.6M+471.0% | $152.0M-79.6% | $745.1M+177.7% | -$958.5M-134.7% | $2.8B+214.9% | $876.9M-22.5% | $1.1B+183.6% | $399.2M-22.2% | $513.5M+117.2% | $236.4M+17.2% | $201.6M |
| Dividends Paid | $8.5M | $3.1M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $32.8M | $73.5M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $255K | N/A | N/A |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
MCB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 643.3% | 278.6% | 277.1% | 221.3% | 261.6% | 288.7% | 23.2%-7.2pp | 30.4%+10.1pp | 20.3%+9.0pp | 11.3%-1.7pp | 13.1% |
| 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%+1.5pp | 10.1%+0.4pp | 9.7%+4.4pp | 5.2%+0.6pp | 4.6%-1.0pp | 5.6% |
| 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%0.0pp | 0.9%-0.3pp | 1.2%+0.5pp | 0.7%+0.3pp | 0.4% | N/A |
| Debt-to-Equity | 10.11+1.1x | 9.00-0.7x | 9.72-0.2x | 9.88-1.9x | 11.78+0.1x | 11.71+1.5x | 10.22+3.0x | 7.25+0.8x | 6.43-3.7x | 10.15 | N/A |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29.9%-18.2pp | 48.1%+17.8pp | 30.3%+18.9pp | 11.3% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.
Similar Companies
Where Metropolitan Bank Ranks
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.
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.
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 53 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.