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Metropolitan Bank Holding Corp. (MCB) — RQD Stock Rating Cockpit

$96.43 -0.20% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $96.21

Metropolitan Bank Holding Corp. (MCB) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $1.20B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $96.21 (-0.23%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MCB)Realized 20D OHLCV Swing Band: ±5.4%

Deterministic 5-Pillar Attribution (66/100 Composite)

🔍 WHY MCB SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 85% of 52W Range • RSI-14 at 64.8 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$86.62+0.7% Next Q

Q2 (-2Q)

Grade C$87.24+11% Next Q

Q3 (-1Q)

Grade C+$96.88-0.5% Next Q

Current

Grade C+$96.43+1.4% Hist 90D α

Trajectory: C (58) → C+ (66)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the MCB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, MCB faces multiple-compression risk if 16.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($90.33) or 200D SMA ($90.37) invalidates the momentum regime and cuts Target Base ($99.90) toward Bear Floor ($77.92).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MCB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “MCB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 66%NO 34%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

64.830 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE85% OF RANGE

L: $65$96.43H: $102

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on MCB

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

9.6% ROIC with 42.0% gross margin and 7.42% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (68)

25/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like MCB

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (MCB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

MCB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.15%▲ RESISTANCE BREAKOUT

2026-10-30O $96.24H $96.78L $94.77C $96.43VOL 124.2K

RES: $93.48SUP: $84.11SMA50: $90.33SMA200: $90.37

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MCB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MCB Butterfly Map → + Track MCB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

9.6%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on MCB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MCB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for MCB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MCB)

Financials Rank #283 of 1096 ⚔️ AMTB vs MCB Full Matrix →

1. Head-to-Head Financials Peer Comparison (MCB vs. AMTB, NBN, OSBC, FSBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Metropolitan Bank Holding Corp. (MCB) ranks #283 by composite RQD confidence (66/100, grade C+) and #519 by equity capitalization ($1.20B). Within this direct 5-issuer industry benchmark cohort, OSBC leads on earnings valuation at 15.6x trailing P/E, while FSBC leads on capital efficiency and profitability with 13.8% ROIC and — gross margin. FSBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with MCB at 66/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
MCB ACTIVE Metropolitan Bank Holding Corp.	C+	66/100	16.8x	—	9.6%	-0.20%	$1.20B	Benchmark Subject
AMTB Amerant Bancorp Inc. (Class A)	D+	58/100	22.4x	—	5.6%	+0.84%	$1.17B	/amtb-vs-mcb →
NBN Northeast Bank	D	49/100	—	—	—	-2.40%	$1.16B	/nbn-vs-mcb →
OSBC Old Second Bancorp Inc.	C+	67/100	15.6x	—	9.0%	+0.90%	$1.25B	/osbc-vs-mcb →
FSBC Five Star Bancorp	C+	69/100	18.2x	—	13.8%	-0.17%	$1.12B	/fsbc-vs-mcb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001476034

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Metropolitan Bank Holding Corp. (MCB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $71.1M, operating cash flow of $88.7M, and free cash flow of $88.7M (-40.3% YoY). On the balance sheet, MCB closed FY2025 with $8.26B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$71.1M	$88.7M	$88.7M	$8.26B	—
FY2024 (FY)	2024-12-31	$0	$66.7M	$148.5M	$148.5M	$7.30B	—
FY2023 (FY)	2023-12-31	$0	$77.3M	$42.4M	$42.4M	—	—

3. MCB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Metropolitan Bank Holding Corp. (NYSE: MCB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $96.43 (-0.20% 1D, market cap $1.20B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, MCB ranks #283 in composite RQD confidence.

How does MCB compare to AMTB and NBN in the Financials sector?

Within the Financials sector (Major Banks), MCB carries a Roarable C+ (66/100 RQD), trailing P/E of 16.8x, gross margin of —, and ROIC of 9.6%. By comparison, AMTB (Amerant Bancorp Inc. (Class A)) holds a D+ grade (58/100 RQD, P/E 22.4x, ROIC 5.6%, cap $1.17B) and NBN (Northeast Bank) posts a D grade (49/100 RQD, P/E N/A, ROIC —, cap $1.16B). Among the 5-stock peer group, OSBC leads on earnings multiple (15.6x) while FSBC leads on capital efficiency (13.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MCB?

Per MCB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001476034), Metropolitan Bank Holding Corp. generated $0 in revenue, $71.1M in net income, and $88.7M in free cash flow against $8.26B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MCB trading relative to its 50-day, 200-day, and 52-week technical levels?

MCB last traded at $96.43 (-0.20% on volume of 150,152 shares), positioning the stock +6.75% above its 50-day simple moving average ($90.33) and +6.71% above its 200-day simple moving average ($90.37). Across its 52-week range of $64.66 to $102.04, MCB sits at the 85.0% percentile with a 14-day RSI of 64.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.4% ($91.22 to $101.64).

MCB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell MCB stock right now?

Metropolitan Bank Holding Corp. (MCB) currently earns a Roarable Rating of C+ (Hold — HOLD) with 66/100 RQD Confidence. Solid steady margins (10% return on capital), mixed timing at 17x P/E—hold if owned, no rush to chase.

What is MCB's 12-month price target and RQD AI Jury consensus?

MCB's 12-month base price target is $99.9 (range $77.92 to $117.88), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: MCB RQD Cockpit MCB 12M Forecast MCB Earnings & Move MCB Dividends & DRIP MCB Insiders & 13F MCB Whale Options MCB Profit Sankey MCB News & Why