MCB (Metropolitan Bank Holding) Cyclically Adjusted Book per Share: $52.23 (As of Mar. 2026)


MCB Metropolitan Bank Holding Corp MCB
83 GF Score
Price $97.07
GF Value $76.64
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Metropolitan Bank Holding Cyclically Adjusted Book per Share?

Metropolitan Bank Holding MCB -3.13% 83 Cyclically Adjusted Book per Share is $52.23 as of Mar. 2026. GuruFocus rates MCB with a GF Score™ of 83/100 and a GF Value™ of $76.64 (Modestly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Metropolitan Bank Holding's adjusted book value per share for the three months ended in Mar. 2026 was $76.528. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $52.23 for the trailing ten years ended in Mar. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-07-07), Metropolitan Bank Holding's current stock price is $97.07. Metropolitan Bank Holding's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $52.23. Metropolitan Bank Holding's Cyclically Adjusted PB Ratio of today is 1.86.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of Metropolitan Bank Holding was 1.92. The lowest was 1.60. And the median was 1.73.


Metropolitan Bank Holding  (NYSE:MCB) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Metropolitan Bank Holding's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=97.07/52.23
=1.86

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of Metropolitan Bank Holding was 1.92. The lowest was 1.60. And the median was 1.73.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Metropolitan Bank Holding Cyclically Adjusted Book per Share Related Terms


Metropolitan Bank Holding Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Metropolitan Bank Holding's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Metropolitan Bank Holding Cyclically Adjusted Book per Share Chart

Metropolitan Bank Holding Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Metropolitan Bank Holding Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 52.23

MCB vs UVSP, PFBC, HFWA: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Metropolitan Bank Holding's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Metropolitan Bank Holding Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Metropolitan Bank Holding's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Metropolitan Bank Holding's Cyclically Adjusted PB Ratio falls into.


MCB
83GF Score
Metropolitan Bank Holding Corp MCB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Metropolitan Bank Holding Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Metropolitan Bank Holding's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=76.528/330.2130*330.2130
=76.528

Current CPI (Mar. 2026) = 330.2130.

Metropolitan Bank Holding Quarterly Data

Book Value per Share CPI Adj_Book
201512 9.821 236.525 13.711
201609 0.000 241.428 0.000
201612 14.159 241.432 19.366
201703 0.000 243.801 0.000
201706 14.868 244.955 20.043
201709 15.383 246.819 20.581
201712 28.902 246.524 38.714
201803 29.657 249.554 39.243
201806 30.418 251.989 39.861
201809 31.347 252.439 41.005
201812 32.191 251.233 42.311
201903 32.903 254.202 42.742
201906 33.809 256.143 43.586
201909 34.976 256.759 44.982
201912 35.982 256.974 46.237
202003 37.195 258.115 47.584
202006 38.236 257.797 48.977
202009 39.641 260.280 50.292
202012 41.083 260.474 52.083
202103 41.727 264.877 52.020
202106 43.575 271.696 52.960
202109 49.707 274.310 59.837
202112 51.002 278.802 60.407
202203 51.229 287.504 58.839
202206 52.534 296.311 58.545
202209 53.260 296.808 59.254
202212 52.593 296.797 58.514
202303 54.222 301.836 59.320
202306 56.526 305.109 61.177
202309 57.390 307.789 61.571
202312 59.570 306.746 64.127
202403 60.181 312.332 63.626
202406 61.860 314.175 65.018
202409 63.891 315.301 66.913
202412 65.175 315.605 68.192
202503 66.677 319.799 68.848
202506 69.376 322.561 71.022
202509 70.510 324.800 71.685
202512 73.656 324.054 75.056
202603 76.528 330.213 76.528

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $52.23 mean?
Metropolitan Bank Holding (MCB) has a Cyclically Adjusted Book per Share of $52.23 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Metropolitan Bank Holding and its competitors.
Is Metropolitan Bank Holding's Cyclically Adjusted Book per Share too high?
Metropolitan Bank Holding's current Cyclically Adjusted Book per Share is $52.23. Overall, Metropolitan Bank Holding has a GF Score™ of 83/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Metropolitan Bank Holding's Cyclically Adjusted Book per Share compare to UVSP and PFBC?
Metropolitan Bank Holding's Cyclically Adjusted Book per Share of $52.23 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Metropolitan Bank Holding and its competitors. Metropolitan Bank Holding's current Cyclically Adjusted Book per Share is $52.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Metropolitan Bank Holding stock overvalued right now?
Based on GuruFocus' analysis, Metropolitan Bank Holding (MCB) is currently considered Modestly Overvalued. The stock's GF Value™ is $76.64, compared to a current price of $97.07 — trading 26.7% above its estimated fair value. The current Cyclically Adjusted Book per Share is $52.23. Metropolitan Bank Holding's overall GF Score™ is 83/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Metropolitan Bank Holding (MCB), the current Cyclically Adjusted Book per Share is $52.23 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Metropolitan Bank Holding (MCB) Overvalued in 2026?

Based on GuruFocus' analysis, Metropolitan Bank Holding stock appears to be overvalued. The current stock price of $97.07 is trading 26.7% above its estimated GF Value™ of $76.64. GuruFocus considers Metropolitan Bank Holding to be Modestly Overvalued.

Key valuation signals for MCB:

  • Cyclically Adjusted Book per Share: $52.23
  • GF Value™: $76.64 vs. price of $97.07 (26.7% above fair value)
  • GF Score™: 83/100 with 5 warning signs

No single metric tells the full story. See the MCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Metropolitan Bank Holding Business Description

Address 99 Park Avenue, New York, NY, USA, 10016
Metropolitan Bank Holding Corp is a bank holding company. It provides a broad range of business, commercial, and retail banking products and services to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area. The services provided by the company include deposits, trade finance, cash management solutions, savings, electronic banking, cards, and others. The company also provides various lending products such as acquisition loans, construction loans, and lines of credit, for retail, office, hospitality, multifamily, mixed-use, warehouse and distribution, and specialty-use properties. The bank derives its revenue in the form of interest income on loans.
83GF Score

Get the complete analysis for MCB

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$97.07
Price
$76.64
GF Value