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Metropolitan Bank Holding Earnings Calls
| Release date | Oct 23, 2025 |
| EPS estimate | $1.95 |
| EPS actual | $0.670 |
| EPS Surprise | -65.64% |
| Revenue estimate | 80.1M |
| Revenue actual | 79.838M |
| Revenue Surprise | -0.327% |
| Release date | Jul 17, 2025 |
| EPS estimate | $1.62 |
| EPS actual | $1.76 |
| EPS Surprise | 8.64% |
| Revenue estimate | 78.283M |
| Revenue actual | 76.27M |
| Revenue Surprise | -2.57% |
| Release date | Apr 21, 2025 |
| EPS estimate | $1.61 |
| EPS actual | $1.45 |
| EPS Surprise | -9.94% |
| Revenue estimate | 67.577M |
| Revenue actual | 70.59M |
| Revenue Surprise | 4.46% |
| Release date | Jan 23, 2025 |
| EPS estimate | $1.49 |
| EPS actual | $1.88 |
| EPS Surprise | 26.17% |
| Revenue estimate | 67.43M |
| Revenue actual | 71.004M |
| Revenue Surprise | 5.30% |
Last 4 Quarters for Metropolitan Bank Holding
Below you can see how MCB performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 23, 2025 |
| Price on release | $60.98 |
| EPS estimate | $1.49 |
| EPS actual | $1.88 |
| EPS surprise | 26.17% |
| Date | Price |
|---|---|
| Jan 16, 2025 | $60.48 |
| Jan 17, 2025 | $61.00 |
| Jan 21, 2025 | $61.35 |
| Jan 22, 2025 | $60.35 |
| Jan 23, 2025 | $60.98 |
| Jan 24, 2025 | $65.79 |
| Jan 27, 2025 | $64.35 |
| Jan 28, 2025 | $64.66 |
| Jan 29, 2025 | $64.17 |
| 4 days before | 0.83% |
| 4 days after | 5.23% |
| On release day | 7.89% |
| Change in period | 6.10% |
| Release date | Apr 21, 2025 |
| Price on release | $55.52 |
| EPS estimate | $1.61 |
| EPS actual | $1.45 |
| EPS surprise | -9.94% |
| Date | Price |
|---|---|
| Apr 14, 2025 | $50.76 |
| Apr 15, 2025 | $52.01 |
| Apr 16, 2025 | $53.40 |
| Apr 17, 2025 | $54.64 |
| Apr 21, 2025 | $55.52 |
| Apr 22, 2025 | $57.52 |
| Apr 23, 2025 | $59.47 |
| Apr 24, 2025 | $60.81 |
| Apr 25, 2025 | $60.85 |
| 4 days before | 9.38% |
| 4 days after | 9.60% |
| On release day | 3.60% |
| Change in period | 19.88% |
| Release date | Jul 17, 2025 |
| Price on release | $76.32 |
| EPS estimate | $1.62 |
| EPS actual | $1.76 |
| EPS surprise | 8.64% |
| Date | Price |
|---|---|
| Jul 11, 2025 | $73.39 |
| Jul 14, 2025 | $75.52 |
| Jul 15, 2025 | $73.26 |
| Jul 16, 2025 | $73.74 |
| Jul 17, 2025 | $76.32 |
| Jul 18, 2025 | $77.96 |
| Jul 21, 2025 | $78.40 |
| Jul 22, 2025 | $77.57 |
| Jul 23, 2025 | $76.80 |
| 4 days before | 3.99% |
| 4 days after | 0.629% |
| On release day | 2.15% |
| Change in period | 4.65% |
| Release date | Oct 23, 2025 |
| Price on release | $74.51 |
| EPS estimate | $1.95 |
| EPS actual | $0.670 |
| EPS surprise | -65.64% |
| Date | Price |
|---|---|
| Oct 17, 2025 | $72.00 |
| Oct 20, 2025 | $75.65 |
| Oct 21, 2025 | $77.36 |
| Oct 22, 2025 | $75.27 |
| Oct 23, 2025 | $74.51 |
| Oct 24, 2025 | $70.90 |
| Oct 27, 2025 | $68.84 |
| Oct 28, 2025 | $67.84 |
| Oct 29, 2025 | $66.86 |
| 4 days before | 3.49% |
| 4 days after | -10.27% |
| On release day | -4.84% |
| Change in period | -7.14% |
Metropolitan Bank Holding Earnings Call Transcript Summary of Q3 2025
Metropolitan Commercial Bank reported solid third-quarter 2025 results driven by core-deposit funded balance-sheet growth and disciplined risk management. Key operating metrics: loan growth of ~$170M (2.6%) in the quarter and ~12% YTD (~$750M); total originations YTD of $1.4B; core deposits up ~$280M (4.1%) in the quarter and >$1B (18%) YTD. Net interest margin expanded for an eighth consecutive quarter to 3.88% (up 5 bps). The Board approved a $50M share repurchase program and the bank paid its first common dividend. Management continues a franchise-wide digital transformation (targeted completion end of Q1 2026) and has launched an AI strategy. Asset quality remains strong overall; however, the quarter included a $23.9M provision (of which $18.7M related to three out-of-state multifamily loans to a single borrower group) and a $5.2M CECL-driven macroeconomic reserve build. Earnings: reported diluted EPS $0.67; management estimates a normalized EPS of ~ $1.95 after adjusting for the Q3-specific provisioning. Funding benefits from recent Fed easing are expected to further improve margin; management guides Q4 NIM to ~3.90%–3.95% and expects full-year NIM north of 3.80%. Expense pressures include digital transformation costs (Q3 digital project costs ~$2.5M; ~$3M expected in Q4) and modestly higher comp/technology costs; Q4 operating expenses expected around $46M. Management emphasized diversified deposit verticals, continued loan pipeline strength, conservative underwriting, and no broad-based credit deterioration outside the specified multifamily workout.
