NYSE$MCB

Metropolitan Bank Holding Corp · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Metropolitan Commercial Bank reported Q3 2025, revenue of $125M, net income of $42M, diluted EPS of $2.85.

For Q3 2025, Metropolitan Commercial Bank reported revenue of $125M, net income of $42M, diluted EPS was $2.85. Management discusses segment performance, liquidity, and outlook in the quarterly filing.

  • Revenue $125M.
  • Net income $42M.
  • Diluted EPS $2.85.

Headline financials

Total Revenue

$79.8M

Previous: $71.5M+11.6%
EPS (adj)

$2.85

Previous: $1.08+163.9%
Net interest margin

3.9%

Previous: 3.6%+7.2%
Return on average assets

0.3%

Previous: 0.7%-47.8%
Return on average equity

3.9%

Previous: 6.9%-43.5%
Return on average tangible common equity

3.9%

Previous: 7.0%-44.3%
Non-performing loans to total loans

1.2%

Previous: 0.5%+126.4%
Allowance for credit losses to total loans

1.4%

Previous: 1.1%+31.1%
Tier 1 Leverage (Holding Corp)

9.8%

Previous: 10.6%-7.5%
Tier 1 Leverage (Commercial Bank)

9.4%

Previous: 10.3%-8.7%
CET1 Risk-Based (Holding Corp)

10.6%

Previous: 11.9%-10.9%
CET1 Risk-Based (Commercial Bank)

10.4%

Previous: 11.9%-12.6%
Tier 1 Risk-Based (Holding Corp)

10.9%

Previous: 12.2%-10.7%
Tier 1 Risk-Based (Commercial Bank)

10.4%

Previous: 11.9%-12.6%
Total Risk-Based (Holding Corp)

12.2%

Previous: 13.2%-7.6%
Total Risk-Based (Commercial Bank)

11.8%

Previous: 12.9%-8.5%
Yield on average earning assets

6.6%

Previous: 6.7%-0.9%
Total cost of deposits

3.0%

Previous: 3.3%-10.2%
Net interest spread

2.9%

Previous: 1.9%+47.7%
Efficiency ratio

57.4%

Previous: 71.7%-19.9%
Total cost of funds

3.0%

Previous: 3.4%-10.0%
Net Income

$7.12M

Previous: $12.3M-42.0%
Operating Income

$10.2M

Previous: $3.42M+197.6%

Revenue & EPS history

Metropolitan Bank · Revenue · Quarterly

$79.8M

Q3 2025+11.6%vs Q3 2024
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Forward guidance

The filing discusses Metropolitan Commercial Bank's outlook, capital allocation, and key risks for upcoming periods, including guidance or operating priorities where disclosed.

Tailwinds

  • Metropolitan Commercial Bank cites execution and demand trends supporting the outlook.
  • Liquidity and balance-sheet capacity support operations and returns.
  • Net interest income and credit quality support the banking outlook.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability.
  • Interest-rate moves and deposit competition affect net interest margin.

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 Q3 2025

Historical avgQ3 2025

+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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