Metropolitan Bank HoldingMCB +0.07%83 FCF Margin % is 64.10% as of Mar. 2026, which is 110% above its 10-year median of 30.58. GuruFocus rates MCB with a GF Score™ of 83/100 and a GF Value™ of $75.97 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, Metropolitan Bank Holding ranks better than 70.56% on this metric.
* 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.
For the Banks - Regional subindustry, Metropolitan Bank Holding's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Metropolitan Bank Holding's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Metropolitan Bank Holding's FCF Margin % falls into.
* 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 (MCB) has a FCF Margin % of 64.10% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Metropolitan Bank Holding and its competitors. This is 110% above median its historical median of 30.58. Over the past decade, Metropolitan Bank Holding's FCF Margin % has ranged from 15.43 to 63.02. According to the industry distribution chart, Metropolitan Bank Holding ranks #443 out of 1505 companies in the Banks industry, placing it in the top 29.4%.
Is Metropolitan Bank Holding's FCF Margin % too high?
Metropolitan Bank Holding's current FCF Margin % of 64.10% is 110% above median its 10-year median of 30.58. Over the past 10 years, this metric has ranged from a low of 15.43 to a high of 63.02. The Banks industry median FCF Margin % is 26.55. Metropolitan Bank Holding's value of 64.10% is 141.4% above this industry median. Based on the distribution chart, Metropolitan Bank Holding ranks #443 out of 1505 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to UVSP and OSBC?
According to the Banks industry distribution chart, Metropolitan Bank Holding ranks #443 out of 1505 companies for FCF Margin %. This puts Metropolitan Bank Holding in the upper half of its industry. The industry median FCF Margin % is 26.55. Metropolitan Bank Holding's value of 64.10% is 141.4% above this benchmark. Historically, Metropolitan Bank Holding's own FCF Margin % has ranged from 15.43 to 63.02 over the past decade. While the company's 10-year median is 30.58 vs. the industry median of 26.55, Metropolitan Bank Holding has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Metropolitan Bank Holding's current FCF Margin % of 64.10% is 141.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Metropolitan Bank Holding and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Metropolitan Bank Holding's current FCF Margin % is 64.10%, which is 110% above median its own 10-year median of 30.58. 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 $75.97, compared to a current price of $97.55 — trading 28.4% above its estimated fair value. The current FCF Margin % is 64.10%, which is 110% above median its 10-year median of 30.58 and 141.4% above the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Metropolitan Bank Holding (MCB), the current FCF Margin % is 64.10% 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 $97.55 is trading 28.4% above its estimated GF Value™ of $75.97.
GuruFocus considers Metropolitan Bank Holding to be Modestly Overvalued.
Key valuation signals for MCB:
FCF Margin %: 64.10% (110% above median its 10-year median of 30.58)
GF Value™: $75.97 vs. price of $97.55 (28.4% above fair value)
Industry Position: 141.4% above the Banks median (#443 of 1505)
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 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
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