Metropolitan Bank HoldingMCB +0.07%83 Net Margin % is 38.47% as of Mar. 2026, which is 39% above its 10-year median of 27.74. 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 1,527 Banks companies, Metropolitan Bank Holding ranks better than 54.94% on this metric.
The historical rank and industry rank for Metropolitan Bank Holding's Net Margin % or its related term are showing as below:
MCB'
s Net Margin % Range Over the Past 10 Years
Min: 11.63 Med: 27.74 Max: 35.19
Current: 28.28
MCB's Net Margin % is ranked better than 54.94% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs MCB: 28.28
Metropolitan Bank Holding (NYSE:MCB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Metropolitan Bank Holding Net Margin % Related Terms
Metropolitan Bank Holding Net Margin % Historical Data
* 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Metropolitan Bank Holding's Net Margin % distribution charts can be found below:
* The bar in red indicates where Metropolitan Bank Holding's Net 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 Net Margin % of 38.47% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Metropolitan Bank Holding and its competitors. This is 39% above median its historical median of 27.74. Over the past decade, Metropolitan Bank Holding's Net Margin % has ranged from 11.63 to 35.19. According to the industry distribution chart, Metropolitan Bank Holding ranks #688 out of 1527 companies in the Banks industry, placing it in the top 45.1%.
Is Metropolitan Bank Holding's Net Margin % too high?
Metropolitan Bank Holding's current Net Margin % of 38.47% is 39% above median its 10-year median of 27.74. Over the past 10 years, this metric has ranged from a low of 11.63 to a high of 35.19. The Banks industry median Net Margin % is 26.95. Metropolitan Bank Holding's value of 38.47% is 42.7% above this industry median. Based on the distribution chart, Metropolitan Bank Holding ranks #688 out of 1527 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 Net Margin % compare to UVSP and OSBC?
According to the Banks industry distribution chart, Metropolitan Bank Holding ranks #688 out of 1527 companies for Net Margin %. This puts Metropolitan Bank Holding in the upper half of its industry. The industry median Net Margin % is 26.95. Metropolitan Bank Holding's value of 38.47% is 42.7% above this benchmark. Historically, Metropolitan Bank Holding's own Net Margin % has ranged from 11.63 to 35.19 over the past decade. While the company's 10-year median is 27.74 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Metropolitan Bank Holding's current Net Margin % of 38.47% is 42.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Metropolitan Bank Holding and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Metropolitan Bank Holding's current Net Margin % is 38.47%, which is 39% above median its own 10-year median of 27.74. 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 Net Margin % is 38.47%, which is 39% above median its 10-year median of 27.74 and 42.7% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Metropolitan Bank Holding (MCB), the current Net Margin % is 38.47% 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:
Net Margin %: 38.47% (39% above median its 10-year median of 27.74)
GF Value™: $75.97 vs. price of $97.55 (28.4% above fair value)
Industry Position: 42.7% above the Banks median (#688 of 1527)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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