Metropolitan Bank Holding Corp. Financial Ratios — MCB Stock

Profitability (USD)

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	39.05	62.66	66	45.33	39.01	40.05	28.14	27.74	19.08	17.06
Return on Assets (%)	- -	0.46	0.83	1.3	1.09	1.03	1.06	0.89	1.16	0.93	0.91
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.23	1.82	1.54	1.63	1.66	3.48	2.94	3.96	3.01	-4.39	-3.8
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	21.87	18.7	37.2	44.1	45.31	43.79	52.05	39.51	44.99	37.33	34.87
Profit Margin (%)	13.67	11.63	19.52	30.65	30.99	29.84	35.19	24.23	32.52	25.64	24.43
Net Income to Common Margin (%)	13.67	11.63	19.52	30.65	30.99	29.84	35.19	24.23	32.52	25.64	24.43
Effective Tax Rate (%)	37.48	37.79	47.54	30.51	31.61	31.86	32.39	38.67	27.73	31.31	29.96
Dvd Payout Ratio (%)	- -	68.22	- -	- -	- -	- -	- -	- -	- -	- -	4.39
Sustainable Growth Rate (%)	- -	12.41	62.66	66	45.33	39.01	40.05	28.14	27.74	19.08	16.31

Credit (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	117	78	67	210	212	62	57	258	547	457	11
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	117	78	67	210	212	62	57	258	547	457	11
Total Debt/EBITDA	167.77	99.9	68.19	154.65	131.17	13.39	11.29	26.54	76.53	-40.08	-0.99
Net Debt/EBITDA	73.45	-5.75	-198.92	-17.27	-110.13	-174.38	-454.71	0.03	38.8	-22.54	34.62
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.26	1.11	1.47	2.36	2.43	2.79	2.55	3.84	4.47	5.24	5.46
Long-Term Debt/Equity (%)	153.74	71.62	28.15	79.22	70.73	18.08	10.26	44.75	82.94	62.68	1.48
Long-Term Debt/Capital (%)	90.58	85.28	71.99	80.27	72.2	33.76	23.96	51.69	63.36	54.44	2.38
Long-Term Debt/Total Assets (%)	12.1	6.43	3.79	9.6	6.3	1.42	0.8	4.11	7.73	6.27	0.13
Total Debt/Equity (%)	153.74	71.62	28.15	79.22	70.73	18.08	10.26	44.75	82.94	62.68	1.48
Total Debt/Capital (%)	90.58	85.28	71.99	80.27	72.2	33.76	23.96	51.69	63.36	54.44	2.38
Total Debt/Total Assets (%)	12.1	6.43	3.79	9.6	6.3	1.42	0.8	4.11	7.73	6.27	0.13
Net Debt to Equity	67.31	-4.12	-82.13	-8.85	-59.39	-235.54	-413.33	0.05	42.05	35.24	-51.49
Net Debt/Capital (%)	80.81	-49.99	115.39	-83.31	184.67	117.74	108.56	0.13	46.72	40.19	-561.51
EBITDA	1	1	1	1	2	5	5	10	7	-11	-11
EBITDA-CapEx	-1	- -	-1	-1	-5	1	1	-10	1	-14	-17
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.26	1.11	1.47	2.36	2.43	2.79	2.55	3.84	4.47	5.24	5.46
Long-Term Debt/Equity (%)	153.74	71.62	28.15	79.22	70.73	18.08	10.26	44.75	82.94	62.68	1.48
Long-Term Debt/Capital (%)	90.58	85.28	71.99	80.27	72.2	33.76	23.96	51.69	63.36	54.44	2.38
Long-Term Debt/Total Assets (%)	12.1	6.43	3.79	9.6	6.3	1.42	0.8	4.11	7.73	6.27	0.13
Total Debt/Equity (%)	153.74	71.62	28.15	79.22	70.73	18.08	10.26	44.75	82.94	62.68	1.48
Total Debt/Capital (%)	90.58	85.28	71.99	80.27	72.2	33.76	23.96	51.69	63.36	54.44	2.38
Total Debt/Total Assets (%)	12.1	6.43	3.79	9.6	6.3	1.42	0.8	4.11	7.73	6.27	0.13
CFO/Total Liabilities	0.61	1.31	2.07	1.41	1.27	2.19	0.57	1.51	0.66	2.26	1.18
CFO/CapEx	3.14	12.34	14.23	13.78	5.7	22.3	9.33	4.46	7.38	56.43	14.17
Altman's Z-Score	0.05	0.05	0.19	0.15	0.14	0.11	0.15	0.16	0.15	0.17	0.18

Working Capital (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	7.61	6.61	7.56	9.78	11.96	12.1	32.28	- -	- -	- -
Days Sales Outstanding	- -	47.97	55.22	48.26	37.32	30.51	30.16	11.31	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	345	253	394	298	960	641	613	653	809
- Cash & Cash Equivalents	66	83	261	233	389	864	2,359	257	269	200	394
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	117	78	67	210	212	62	57	258	547	457	11
Enterprise Value	4	-42	118	199	-18	-771	-1,909	642	890	428	-125
Total Capital	129	92	93	261	293	183	239	499	863	840	462
Total Debt/Capital (%)	90.58	85.28	71.99	80.27	72.2	33.76	23.96	51.69	63.36	54.44	2.38
Total Debt / EV	31.92	-1.87	0.56	1.05	-11.53	-0.08	-0.03	0.4	0.61	1.07	-0.09
EV/Sales	0.12	- -	1.87	2.38	- -	- -	- -	2.62	3.74	1.65	- -
EV/EBITDA	5.26	- -	121.03	146.74	- -	- -	- -	66.05	124.56	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	0.67	- -	3.76	7.35	- -	- -	- -	7.47	20.97	2.88	- -
EV/Free Cash Flow to Firm	0.51	- -	3.51	6.85	- -	- -	- -	6.1	18.47	2.83	- -
Diluted Market Cap	- -	- -	345	258	402	305	988	657	616	657	820
Diluted Enterprise Value	51	-5	151	234	225	-498	-1,314	657	893	914	438
EV per Share	0.47	- -	14.44	24.28	- -	- -	- -	58.7	80.44	38.28	- -
TTM Sales	31	43	63	83	97	132	172	245	238	260	291
TTM EBITDA	1	1	1	1	2	5	5	10	7	-11	-11
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5	15	31	27	39	87	37	86	42	148	89
TTM Free Cash Flow to Firm	7	16	34	29	46	91	41	105	48	151	95

Multiples (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	10.24	8.88	8.78	3.34	23.93	6.25	12.79	4.35	8.64
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	4	-42	118	199	-18	-771	-1,909	642	890	428	-125
Low Price	- -	- -	36.35	29.05	30.03	15.52	35.38	53.67	13.98	32.46	47.08
EV/Sales	0.12	- -	1.87	2.38	- -	- -	- -	2.62	3.74	1.65	- -
EV/EBITDA	5.26	- -	121.03	146.74	- -	- -	- -	66.05	124.56	- -	- -
Price/Earnings	- -	- -	27.9	9.89	13.08	7.56	15.85	10.79	7.93	9.79	11.38
Price/Earnings Average	- -	- -	28.45	14.19	10.87	6.79	10.28	14.71	5.81	8.11	10.11
Price/Earnings High	- -	- -	33.99	17.63	13.23	10.64	15.94	21.29	8.74	11.66	12.29
Price/Earnings Low	- -	- -	24.09	9.31	8.15	3.23	5.27	9.87	2	5.44	7.02
Price/Book Value	- -	- -	13.3	4.91	4.84	2.47	5.29	2.66	1.94	1.71	1.79
Price/Book Value Average	- -	- -	13.56	7.04	4.02	2.22	3.43	3.63	1.42	1.41	1.59
Price/Book Value High	- -	- -	16.21	8.75	4.89	3.47	5.32	5.25	2.14	2.03	1.94
Price/Book Value Low	- -	- -	11.48	4.62	3.01	1.06	1.76	2.43	0.49	0.95	1.11
Price/Tangible Book Value	- -	- -	1.52	0.99	1.36	0.9	1.75	1.11	0.93	0.89	1.09
Price/Tangible Book Value Average	- -	- -	1.55	1.42	1.13	0.81	1.14	1.52	0.68	0.74	0.97
Price/Tangible Book Value High	- -	- -	1.85	1.77	1.38	1.27	1.76	2.2	1.02	1.07	1.18
Price/Tangible Book Value Low	- -	- -	1.31	0.93	0.85	0.39	0.58	1.02	0.23	0.5	0.67
Price/Sales	- -	- -	5.44	3.03	4.05	2.25	5.58	2.61	2.58	2.51	2.78
Price/Sales Average	- -	- -	5.55	4.35	3.37	2.03	3.62	3.56	1.89	2.08	2.47
Price/Sales High	- -	- -	6.63	5.4	4.1	3.18	5.61	5.16	2.84	2.99	3
Price/Sales Low	- -	- -	4.7	2.85	2.52	0.96	1.85	2.39	0.65	1.4	1.71
Price/Cash Flow	- -	- -	10.96	9.34	10.12	3.42	25.75	7.47	14.44	4.4	9.12
Price/Cash Flow Average	- -	- -	11.18	13.4	8.41	3.07	16.7	10.18	10.58	3.64	8.1
Price/Cash Flow High	- -	- -	13.36	16.65	10.23	4.81	25.9	14.73	15.91	5.24	9.85
Price/Cash Flow Low	- -	- -	9.47	8.79	6.3	1.46	8.55	6.83	3.64	2.44	5.62
Price/Free Cash Flow Average	- -	- -	10.45	12.74	7.3	3	15.52	8.52	9.38	3.6	7.67
Price/Free Cash Flow High	- -	- -	12.48	15.82	8.88	4.71	24.07	12.33	14.1	5.18	9.33
Price/Free Cash Flow Low	- -	- -	8.85	8.36	5.47	1.43	7.95	5.72	3.23	2.42	5.33
EV/Sales Average	1.64	- -	2.48	4.07	1.54	- -	- -	3.57	3.06	3.07	1.15
EV/Sales High	1.64	- -	3.56	5.12	2.27	- -	- -	5.16	4.01	3.98	1.69
EV/Sales Low	1.64	- -	1.63	2.57	0.7	- -	- -	2.39	1.82	2.38	0.4
EV/EBITDA Average	73.46	-5.75	160.89	250.36	92.94	-116.15	-331.79	90.05	101.66	-69.93	-30.39
EV/EBITDA High	73.46	-5.75	231.01	315.18	136.97	-83.13	-264.01	130.32	133.33	-90.68	-44.44
EV/EBITDA Low	73.46	-5.75	105.72	158.32	42.05	-146.66	-391.73	60.43	60.45	-54.33	-10.51
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	42.1	30.85	48.23	36.27	106.53	58.67	55.38	58.4	76.36
High Price	- -	- -	51.3	55	48.76	51.09	107.14	115.78	61.04	69.56	82.48
Enterprise Value Average	51	-5	157	339	150	-535	-1,680	875	726	798	336
Enterprise Value High	51	-5	226	427	221	-383	-1,337	1,266	952	1,035	491
Enterprise Value Low	51	-5	103	215	68	-675	-1,983	587	432	620	116

Shares Outstanding	8	8	8	8	8	8	11	11	11	11	10
Diluted Weighted Avg Shares	8	8	8	8	8	8	9	11	11	11	11
Basic Weighted Avg Shares	8	8	8	8	8	8	9	11	11	11	11
Revenue per Share	4.04	5.57	7.73	10.18	11.9	16.09	19.1	22.44	21.49	23.26	27.47
EBITDA per Share	0.09	0.1	0.12	0.17	0.2	0.56	0.56	0.89	0.65	-1.02	-1.04
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.55	0.65	1.51	3.12	3.69	4.8	6.72	5.44	6.99	5.97	6.71
Basic EPS from Cont Ops	0.55	0.65	1.51	3.12	3.69	4.8	6.72	5.44	6.99	5.97	6.71
Diluted EPS, GAAP	0.55	0.65	1.51	3.06	3.61	4.7	6.53	5.31	6.94	5.92	6.62
Diluted EPS from Cont Ops	0.55	0.65	1.51	3.06	3.61	4.7	6.53	5.31	6.94	5.92	6.62
Dividend per Share	- -	0.44	- -	- -	- -	- -	- -	- -	- -	- -	0.29
Cash Flow per Share	0.7	1.88	3.84	3.3	4.77	10.61	4.14	7.86	3.84	13.28	8.37
Free Cash Flow per Basic Share	0.48	1.73	3.57	3.06	3.93	10.14	3.69	6.1	3.32	13.04	7.78
Cash & Equivalents per Share	14.63	15.55	35.8	32.16	76.36	137.49	324.69	23.55	24.36	61.04	89.16
Book Value per Share	1.57	1.75	3.17	6.29	9.96	14.71	20.14	22.04	28.58	34.24	42.55
Tangible Book Value per Share	8.56	12.9	27.71	31.11	35.4	40.27	60.73	52.69	59.59	65.29	70.14

Metropolitan Bank Holding Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)