Insider buying last 90 days
$90Kin 1 open-market purchase
| Filed | Insider | Type | Value |
|---|---|---|---|
| Jul 27 | Daniel F Dougherty EVP & Chief Financial Officer | Purchase | $90K |
From Form 4 filings, dated to when each was filed.
NYSE: MCB
Metropolitan Bank (MCB) Stock Analysis & Forecast
Oct 12 close
$86.89+0.27 (+0.3%)
Gekko Brief
AI summaryOct 12 closeMetropolitan Bank enters its third-quarter 2026 results under scrutiny after an investigation by Hagens Berman into the prior quarter's performance, which cited $14 million in unexpected charge-offs and a diluted EPS of $1.54 that missed the $2.30 consensus estimate. The stock is now heading into its October 20 earnings release, with analysts projecting earnings of $2.38 per share on $97.05 million in revenue for the period, as concerns about earnings quality and loan performance continue to surface in coverage of the name.
Shares closed at $86.89, up 0.3%, sitting between the 50-day average of $90.61 and the 200-day average of $89.45, a mixed trend signal. Over the past month the stock is down 4.3%, down 10.3% over three months, down 3.8% over six months, but up 16% over the past year. The GekkoIndex reads 65.4, placing MCB in the Accumulation zone, while the price sits 10% below the Gekko Fair Value estimate of $96.56.
Earnings arrive on 20 October, seven days out and within a typical 20-trading-day holding window, with the prior release producing a 4.1% reaction and an average absolute move of 6.1% across recent quarters. Insider activity over the last 90 days shows one open-market purchase valued at $89,980. Seasonally, the next 20 trading days have averaged a 9% return over five years, rising in four of those years. Consensus among covering analysts carries a target of $105.33.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Metropolitan Bank price vs fair value
Close $86.89200-day averageGekko Fair Value $96.56
Metropolitan Bank quick facts
- Market cap
- $1.08B
- P/E ratio
- 11.2
- Forward P/E
- —
- EPS, TTM
- $7.80
- Revenue, TTM
- $312.0M
- Profit margin
- 27.8%
- Dividend yield
- 0.86%
- Beta
- 1.04
- Volume
- 135,070 avg 123,980
- 1-year return
- +16.0%
- Typical daily move
- ±2.2%
- Typical 20-day move
- ±8.9%
- 50-day average
- $90.61
- 200-day average
- $89.45
- Next earnings
- Oct 20 before open
- Shares outstanding
- 12.40M
Metropolitan Bank swing-trade checklist
Metropolitan Bank scores 4 supportive, 1 mixed and 1 headwind across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $86.89 sits between the 50-day ($90.61) and 200-day ($89.45) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
65.4, Accumulation
Reading 65.4 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
10.0% below
Price is 10% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneysupportive
Leans bullish
Last 90 days: 1 open-market insider purchase.
See smart money - Earnings riskheadwind
Reports in 8 days
Reports on Oct 20, 2026, 8 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+9.0% on average
From this point in the calendar, the next 20 trading days averaged +9% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Metropolitan Bank stock chart and price history
Metropolitan Bank closed at $86.89 on Oct 12, 2026, +16.0% over the past year, inside a 52-week range of $64.66 to $102.04.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −4.3%
- 3 months
- −10.3%
- 6 months
- −3.8%
- 1 year
- +16.0%
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About Metropolitan Bank
Metropolitan Bank is the holding company behind Metropolitan Commercial Bank, which handles everyday banking for businesses, government bodies, and individuals in the wider New York area. It is recognized for combining a broad lending business with standard deposit accounts such as checking, savings, money market, and certificate of deposit products.
The bank's income comes from a mix of lending and deposit-taking activities. On the credit side, it finances commercial real estate, construction projects, multi-family housing, and one-to-four-family homes, along with commercial and industrial loans, consumer loans, property purchase and renovation funding, and refinancing arrangements. It also provides working capital lines, trade finance, letters of credit, and term loans, while supporting customers with cash management tools, online and mobile banking, ACH processing, remote deposit, and debit cards. Its customer base spans small and mid-sized companies, public sector clients, and consumers, served through six branches in Manhattan, Brooklyn, Great Neck, and Long Island.
Metropolitan Bank Holding Corp. was founded in 1999 and is headquartered in New York City. Its shares trade on the NYSE under the ticker MCB.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Regional banks
- Website
- mcbankny.com
Metropolitan Bank GekkoIndex: the smart money zone
Metropolitan Bank’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 65.4, in the Accumulation zone, up 3.8 points over five sessions.
65.4Accumulation
Up 3.8 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 28 | +2.3% | −0.1% | ||
| Accumulation (current zone) | 217 | +0.4% | +6.5% | ||
| Neutral | 380 | +0.9% | +1.6% | ||
| Distribution | 54 | −1.4% | −2.7% | ||
| Selling | 3 | Too few readings yet | |||
Average MCB share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the MCB price, zone by zone.Track MCB in Gekko
Is Metropolitan Bank stock overvalued? Gekko Fair Value
Metropolitan Bank trades 10.0% below Gekko Fair Value of $96.56, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Metropolitan Bank shares are worth, recalculated every trading day.
$96.56
Gekko Fair Value, Oct 10, 2026
10.0% Undervalued
At the end of Aug 2026 the price was 11.1% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open MCB in Gekko
Metropolitan Bank insider and Congress trading
Insiders filed 1 open-market purchase in Metropolitan Bank worth $90K, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in MCB were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for MCB, plotted on the chart in Gekko.Open MCB in Gekko
Buybacks
Metropolitan Bank has been buying back its own shares.
- Latest authorization
- $50.00M, Jul 21, 2026
- Bought back, quarter ended Jun 30, 2026
- $380K
- As a share of market cap
- 0.04%
- Trailing four quarters
- $33.18M
From company filings.
Metropolitan Bank earnings: next date and track record
Metropolitan Bank reports on Oct 20, 2026, before the open (8 days away), and beat the EPS estimate in 5 of its last 8 reports.
Next earnings report
Oct 20, 2026
Expected before the open, 8 days away
- EPS estimate
- $2.38
- Revenue estimate
- $97.05M
5 of 8reports beat the EPS estimate
±6.1%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Apr 21, 2026 AI summary
- What they said
- Metropolitan Commercial Bank (MCB) reported strong first-quarter 2026 performance, emphasizing momentum from a successful capital raise, robust loan and deposit growth, and high profitability (ROATCE 15.6%). Management highlighted $235 million of loan growth in the quarter, total originations/draws of $524 million at a weighted average coupon ~7.24%, payoffs/paydowns of $287 million, and an active loan pipeline exceeding $1.2 billion (with >$700 million in signed term sheets). Deposits grew ~5% (~$363 million) and deposit costs fell ~15 bps following late-2025 rate cuts; key deposit verticals driving growth were municipals, EB-5 and HOAs. Strategic initiatives—iGaming payments and HUD lending—are in integration and testing stages with a line of sight to client onboarding and expected go-live in late Q3/Q4, which management views as meaningful for balance sheet growth and lower funding costs. Management reiterated disciplined execution, expects margin expansion driven by repricing of the back book and favorable deposit mix, and confirmed intent to fund 2026 loan growth with deposits. Credit headwinds relate to a small set of legacy problem credits (five) that management expects to resolve this year and believes are adequately reserved for. Expense guidance was reaffirmed. Overall tone was confident and forward-looking with caveats on timing for new initiatives and normalizing credit.
- Guidance
- Net loan growth guidance: $1 billion for 2026. Management expects current loan pipelines >$1.2B with >$700M in signed term sheets. Expectation to fund 2026 loan growth with deposits. Timing guidance: iGaming testing June–September, targeted go-live late Q3/Q4 with more specific financial contribution guidance next quarter. Cash balance to work down from current elevated levels towards a normal cash position (~$200M) as loans grow; Q2 growth fully funded by cash. Expense guidance: management affirmed staying within previously stated guide (~$189M–$191M). Long-run reserve target: ~100–115 bps; loan-to-reserve target around 115.
- Risks flagged
- Legacy problem credits (five specific troubled loans) with ongoing legal proceedings (e.g., Mission, Kansas); quarterly charge-offs and potential for further asset resolution timing risk; dependency on successful integration and timely commercialization of iGaming payments and HUD initiatives; deposit-mix risk (costs vary by vertical such as HOAs, munis vs. EB-5); macro and market risk referenced via challenging market conditions during capital raise; timing uncertainty on deposit and fee income realization; operational/workout inefficiencies that may be costly and time-consuming.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Apr 21, 2026 | $2.92 est $2.31 | $88.49M est $87.23M | −4.1% |
| Jan 20, 2026 | $2.77 est $2.20 | $88.41M est $83.15M | +14.1% |
| Oct 23, 2025 | $0.67 est $2.08 | $79.84M est $78.28M | −5.8% |
| Jul 17, 2025 | $1.76 est $1.62 | $76.27M est $78.28M | +5.7% |
| Apr 21, 2025 | $1.45 est $1.61 | $70.59M est $67.58M | +5.3% |
| Jan 23, 2025 | $1.85 est $1.49 | $71.00M est $67.43M | +9.0% |
| Oct 17, 2024 | $1.70 est $1.55 | $71.52M est $66.73M | −3.5% |
| Jul 18, 2024 | $1.50 est $1.57 | $67.68M est $67.89M | −1.0% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Metropolitan Bank stock forecast and analyst price targets
Analysts’ average 12-month price target for Metropolitan Bank is $105.33, +21.2% from the last close, from 2 firms rating the stock in the last 90 days.
$105.33consensus 12-month target, +21.2% from the last close
Now $86.89Avg $105.33
Low $100High $110
Each firm’s latest rating in the last 90 days: 2 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Jul 28 | UBS | $100 | +15.1% |
| Jul 23 | KBW | $110 | +26.6% |
+6.5%average 20-day move after past Accumulation readings
+9.0%average move over the next 20 trading days in the last 5 years
±2.2%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Metropolitan Bank seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Metropolitan Bank averaged +9.0% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +4.4% | 4 of 5 |
| Next 10 trading days | +1.8% | 3 of 5 |
| Next 15 trading days | +1.0% | 4 of 5 |
| Next 20 trading days | +9.0% | 4 of 5 |
| Next 30 trading days | +9.8% | 4 of 5 |
For scale, MCB’s typical 20-trading-day move in either direction is about 8.9%.
Metropolitan Bank market cap and key statistics
Metropolitan Bank’s market cap is $1.08B, with a P/E ratio of 11.2 and revenue of $312.0M over the last twelve months.
Valuation
- Market cap
- $1.08B
- P/E ratio
- 11.2
- EPS, TTM
- $7.80
- Gekko Fair Value
- $96.56
Trading
- Volume
- 135,070
- Avg volume, 20 days
- 123,980
- 52-week high
- $102.04
- 52-week low
- $64.66
- Shares outstanding
- 12.40M
Financials
- Revenue, TTM
- $312.0M
- Profit margin
- 27.8%
- Return on equity
- 10.2%
- Quarterly earnings growth, YoY
- −12.5%
Risk and income
- Beta
- 1.04
- Typical daily move
- ±2.2%
- Typical 20-day move
- ±8.9%
- Dividend yield
- 0.86%
Metropolitan Bank stock news this week
Coverage of Metropolitan Bank this week reads negative: 0 positive, 2 neutral and 2 negative headlines.
- First Financial Corporation Indiana (NASDAQ:THFF) & Metropolitan Bank (NYSE:MCB) Critical ContrastDefense World, Oct 11
- Metropolitan Bank Q3 2026 Earnings Date and EstimatesMarketBeat, Oct 9
- Hagens Berman probes MCB over Q2 earnings miss and credit risksscanx.trade, Oct 7
- Metropolitan Bank Holding Corp. stock heads into October resultsAD HOC NEWS, Oct 7
- McCoy Global (TSE:MCB) Stock Price Up 11.6% – Here’s What HappenedDefense World, Oct 5
- Metropolitan Bank sets October 20 results: what it means for Metropolitan Bank stockAD HOC NEWS, Oct 5
Metropolitan Bank peers
Metropolitan Bank’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Accumulation | 5.7% below |
| USBU.S. Bancorp | Accumulation | 11.0% below |
| NUNu | Neutral | 0.7% below |
| TFCTruist Financial | Accumulation | 9.6% below |
| FITBFifth Third Bancorp | Accumulation | 11.2% below |
| MTBM&T Bank | Accumulation | 9.1% below |
A peer links to its own page where one exists.
Metropolitan Bank stock FAQ
What is Metropolitan Bank’s market cap?
Metropolitan Bank’s market cap is $1.08B at the Oct 12, 2026 close of $86.89, with 12.40M shares outstanding. The shares trade on a P/E ratio of 11.2.
What is the Metropolitan Bank stock forecast?
The consensus analyst 12-month price target for Metropolitan Bank is $105.33, +21.2% from the last close. Of the 2 firms that rated the stock in the last 90 days, 1 rate it a buy, 1 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Metropolitan Bank stock overvalued or undervalued?
On Gekko’s estimate Metropolitan Bank is undervalued: the Oct 12, 2026 close of $86.89 is 10.0% below Gekko Fair Value of $96.56. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Metropolitan Bank report earnings next?
Metropolitan Bank is expected to report on Oct 20, 2026, before the market opens (8 days away). Analysts expect earnings of $2.38 per share on revenue of $97.05M. Metropolitan Bank beat the earnings estimate in 5 of its last 8 reports, moving 6.1% on average across the report.
What is Metropolitan Bank’s 52-week high and low?
Metropolitan Bank’s 52-week high is $102.04 and its 52-week low is $64.66; it closed at $86.89 on Oct 12, 2026, +16.0% over the past year. Over the last five years the shares peaked at $115.78 on Jan 13, 2022.
Is Metropolitan Bank stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 6 items with data read as supportive (gekkoindex, fair value, smart money and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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