NYSE$MCB

Metropolitan Bank Holding Corp · Q1 2023 earnings

Q1 2023 earnings · · Investor relations

Briefing

Net income and diluted earnings per share increased, revenues and net interest income also saw gains.

Metropolitan Bank Holding Corp. reported a strong first quarter in 2023, with net income increasing by 31.8% to $25.1 million and diluted earnings per share rising by 33.1% to $2.25. Revenues also increased by 21.2% to $65.5 million.

  • Net income increased by 31.8% year-over-year, reaching $25.1 million.
  • Diluted earnings per share grew by 33.1% year-over-year, amounting to $2.25.
  • Total revenues increased by 21.2% year-over-year, totaling $65.5 million.
  • Net interest income increased by 25.5% year-over-year, reaching $58.5 million.

Headline financials

Total Revenue

$65.5M

Previous: $46.6M+40.5%
EPS (adj)

$2.25

Previous: $1.69+33.1%
Net interest margin

3.9%

No prior period
Return on average equity

17.2%

No prior period
Return on average tangible common equity

17.4%

Previous: 14.0%+24.3%
Non-performing loans to total loans

0.5%

Previous: 0.0%
Allowance for credit losses to total loans

1.0%

No prior period
Efficiency ratio

47.4%

Previous: 45.6%+4.0%
Free Cash Flow

$25.1M

Previous: $19M+31.8%
Net Income

$25.1M

Previous: $19M+31.8%
Operating Income

$32.3M

Previous: $44.7M-27.7%
Gross Profit

$64.9M

Previous: $46.6M+39.1%
Cash & Equivalents

$300M

Previous: $1.4B-78.6%
Total Assets

$6.31B

Previous: $6.6B-4.4%
Stock-Based Comp

$2.22M

Previous: $1.52M+46.3%

Revenue & EPS history

Metropolitan Bank · Revenue · Quarterly

$65.5M

Q1 2023+40.5%vs Q1 2022
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Forward guidance

The company did not provide specific forward guidance but expressed confidence in its business model and strategic positioning.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2023

Historical avgQ1 2023

+1.4%

Avg return

Earnings day

+2.8%

Avg return

5 days after

+5.7%

Avg return

30 days after

60%

25 / 42 earnings

Positive

+19.6%

Q1 2024

Best reaction

-12.0%

Q2 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-2.8%+1.5%+2.0%
Q4 2025+13.7%+11.5%+18.2%
Q3 2025-4.9%-10.3%-2.1%
Q2 2025-1.8%-2.1%+4.3%
Q1 2025+3.6%+9.6%+15.2%
Q4 2024+7.9%+5.2%-2.6%
Q3 2024-3.5%-8.0%+6.8%
Q2 2024-1.0%-2.9%-15.5%
Q1 2024+19.6%+30.7%+36.9%
Q4 2023-4.2%+2.8%-6.6%
Q3 2023-0.4%-1.9%+13.1%
Q2 2023-12.0%-6.6%-10.5%
Q1 2023+16.4%+8.9%-18.5%
Q4 2022-4.6%-2.5%-0.2%
Q3 2022-5.1%+0.6%+5.5%
Q2 2022+3.1%+5.0%+14.8%
Q1 2022-7.3%-14.4%-28.1%
Q4 2021-3.4%-2.0%-4.0%
Q3 2021+5.3%+11.0%+13.3%
Q2 2021+11.0%+18.3%+30.3%
Q1 2021+11.7%+17.7%+22.1%
Q4 2020+2.0%+9.3%+23.9%
Q3 2020-1.8%-4.5%+7.2%
Q2 2020+0.2%-2.5%-3.0%
Q1 2020-4.5%+8.3%+9.4%
Q4 2019+2.9%+2.9%+4.5%
Q3 2019+0.2%+2.2%+10.0%
Q2 2019-0.9%+1.1%-14.8%
Q1 2019+5.4%+7.4%+7.9%
Q4 2018+1.8%-2.0%+7.9%
Q3 2018+2.9%+3.3%+6.7%
Q2 2018-0.5%-3.6%-16.8%
Q1 2017+0.4%+0.5%+8.5%
Q1 2018+4.5%+5.3%+9.0%
Q2 2016+1.1%+2.0%+13.4%
Q4 2016+1.1%+2.0%+13.4%
Q4 2015+1.1%+2.0%+13.4%
Q2 2017+1.1%+2.0%+13.4%
Q1 2016+1.1%+2.0%+13.4%
Q4 2017+3.2%+8.2%+2.9%
Q3 2016-3.7%-9.1%-9.5%
Q3 2017+0.3%+7.0%+24.8%

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