CATALYSTBenzinga • 5d ago
UBS Maintains Neutral on Metropolitan Bank Holding, Raises Price Target to $100UBS analyst Timur Braziler maintains Metropolitan Bank Holding (NYSE:MCB) with a Neutral and raises the price target from $98 to $100.
Why MCB Stock slipped -0.20% Today — RQD Quant Desk Flash
$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 65/100 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.
ROARABLE C • HOLD / WATCH
Cap $1.20B
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Is MCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Metropolitan Bank Holding Corp. (NYSE: MCB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 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 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, MCB ranks #282 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does MCB compare to AMTB and NBN in the Financials sector?
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Within the Financials sector (Major Banks), MCB carries a Roarable C (65/100 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 C+ grade (66/100 RQD, P/E 22.4x, ROIC 5.6%, cap $1.17B) and NBN (Northeast Bank) posts a D+ grade (54/100 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).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for MCB?
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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.
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INTERACTIVE SCENARIO DECK:
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 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% 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 C-
Each axis scored 0–20
12M PRICE TARGET CONE+3.2% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MCB)Realized 20D OHLCV Swing Band: ±5.1%
Deterministic 5-Pillar Attribution (65/100 Composite)
🔍 WHY MCB SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
▲ #2 Bullish Driver: Whale & Options Positioning+13/20 pts (20% of score)
20D Institutional Volume Accumulation (±5.1% realized swing band)
▼ #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)
Macro rate sensitivity & RSI-14 (67.4) create a -9 pt regime headwind
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade C$86.89-0.4% Next Q
57
Q2 (-2Q)Grade C$86.53+12.6% Next Q
60
Q3 (-1Q)Grade C+$97.41-1% Next Q
62
CurrentGrade C$96.43+1.3% Hist 90D α
65
Trajectory: C (57) → C (65)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
Even with a 65/100 (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 ($90.42) or 200D SMA ($90.44) invalidates the momentum regime and cuts Target Base ($99.47) toward Bear Floor ($77.59).
🎲 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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why MCB Stock slipped -0.20% Today — RQD Quant Desk Flash
Metropolitan Bank Holding Corp. (MCB) slipped -0.20% to $96.43, trading at 85% of its 52-week range ($64.66 – $102.04). Solid steady margins (10% return on capital), mixed timing at 17x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 85% of its 52-week range ($64.66 – $102.04) with RSI-14 at 67.4 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.1% around $96.43 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $88.7M annual free cash flow.
Live MCB Headlines & Catalysts
RISK WATCHYahoo • 6d ago
3 US Banking Stocks Built For Higher Short Term RatesRates parked at 3.75%–4% with hotter inflation in the background create an odd mix. Cash suddenly matters again, and so do the stocks most exposed to this kind of pause that still sounds like a warning. Short-duration fi
RISK WATCHYahoo • 6d ago
Metropolitan Commercial Bank Earns Great Place To Work® Certification™ for Second Consecutive YearNEW YORK, October 26, 2026--Metropolitan Commercial Bank ("MCB" or the "Bank"), a full-service commercial bank headquartered in New York City, is proud to announce that it has been Certified™ by Great Place To Work® for
MARKET WIRESeekingAlpha • 8d ago
Metropolitan Bank Holding Corp. 2026 Q3 - Results - Earnings Call PresentationMARKET WIREYahoo • 10d ago
Metropolitan Bank Holding (MCB) Stock Climbs As Q3 Earnings Reset Valuation DebateMetropolitan Bank Holding stock closed at US$91.50, up 3% on the day, as investors reacted quickly to fresh Q3 2026 results. The move came on the back of quarterly earnings per share of about US$2.62 and a reported net i
CATALYSTYahoo • 11d ago
Metropolitan Bank: 3 Key Takeaways for Long-Term InvestorsSelective lending and specialized deposits are fueling both growth and margin expansion, a combination that tests management's ability to scale without sacrificing discipline.
CATALYSTYahoo • 11d ago
Metropolitan Bank (MCB) Q3 2026 Earnings Call TranscriptNIM expansion and deposit growth drive EPS to $2.58 amid gaming platform rollout.
MARKET WIREYahoo • 11d ago
Metropolitan Bank Q3 Earnings Call HighlightsMetropolitan Bank (NYSE:MCB) reported third-quarter 2026 diluted earnings per share of $2.58, supported by loan and deposit growth, lower funding costs and an expanding net interest margin. President and Chief Executive
MARKET WIREYahoo • 11d ago
Metropolitan Bank Holding Corp. Q3 2026 Earnings Call SummaryMoby summary of Metropolitan Bank Holding Corp.'s Q3 2026 earnings call
MARKET WIREBenzinga • 12d ago
Metropolitan Bank Holding Q3 2026 Earnings Call TranscriptMetropolitan Bank Holding (NYSE:MCB) reported third-quarter financial results on Wednesday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by
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)
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MCB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.69%📐 HORIZONTAL RANGE
2026-11-02O $96.62H $96.62L $96.43C $96.43VOL 150.2K
RES: $98.79SUP: $81.04SMA50: $90.42SMA200: $90.44
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
MCB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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 #282 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 #282 by composite RQD confidence (65/100, 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 65/100 (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 | 65/100 | 16.8x | — | 9.6% | -0.20% | $1.20B | Benchmark Subject |
| AMTB Amerant Bancorp Inc. (Class A) | C+ | 66/100 | 22.4x | — | 5.6% | +0.84% | $1.17B | /amtb-vs-mcb → |
| NBN Northeast Bank | D+ | 54/100 | — | — | — | -2.40% | $1.16B | /nbn-vs-mcb → |
| OSBC Old Second Bancorp Inc. | C | 63/100 | 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 0001476034In 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 ENABLEDIs MCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Metropolitan Bank Holding Corp. (NYSE: MCB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 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 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, MCB ranks #282 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 (65/100 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 C+ grade (66/100 RQD, P/E 22.4x, ROIC 5.6%, cap $1.17B) and NBN (Northeast Bank) posts a D+ grade (54/100 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 +6.65% above its 50-day simple moving average ($90.42) and +6.62% above its 200-day simple moving average ($90.44). Across its 52-week range of $64.66 to $102.04, MCB sits at the 85.0% percentile with a 14-day RSI of 67.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.1% ($91.51 to $101.35).
MCB Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is MCB stock moving today?
Why MCB Stock slipped -0.20% Today — RQD Quant Desk Flash. Solid steady margins (10% return on capital), mixed timing at 17x P/E—hold if owned, no rush to chase.