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Metropolitan Bank Holding Corp. key statistics and ratios

In fiscal 2025, Metropolitan Bank Holding Corp. had return on equity of 9.7% and a net margin of 22.6%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin27.8%33.5%23.2%30.8%24.1%22.6%24.8%
Return on equity11.6%13.5%10.5%12.5%9.6%9.7%10.1%
Return on assets0.9%1.1%0.9%1.2%0.9%0.9%1.0%
Effective tax rate31.9%32.4%38.7%27.7%31.3%30.0%29.9%
Dividends ÷ net income—————4.4%—

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

54 /100

Moderate moat

How hard Metropolitan Bank Holding's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 11 / 20

    Net income has been a median 0.9% of total assets over 9 years.

  • Durability 16 / 20

    Net margin has been a median 25.0%; its worst year was 13.9%.

  • Discipline 9 / 20

    The diluted share count rose 31.1% over five years; stock-based pay has been a median 3.2% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (59 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

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More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Metropolitan Bank Holding Corp.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Metropolitan Bank Holding Corp.