Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Metropolitan Bank HoldingMCB -2.87%83 PB Ratio is 1.29 as of Jul. 18, 2026, which is 14% above its 10-year median of 1.13. GuruFocus rates MCB with a GF Score™ of 83/100 and a GF Value™ of $77.27 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,517 Banks companies, Metropolitan Bank Holding ranks worse than 66.12% on this metric.
Metropolitan Bank Holding Corp stock PB Ratio (=1.29) is close to 3-year high of 1.31.
The historical rank and industry rank for Metropolitan Bank Holding's PB Ratio or its related term are showing as below:
MCB'
s PB Ratio Range Over the Past 10 Years
Min: 0.39 Med: 1.13 Max: 3.07
Current: 1.29
During the past 11 years, Metropolitan Bank Holding's highest PB Ratio was 3.07. The lowest was 0.39. And the median was 1.13.
MCB's PB Ratio is ranked worse than 66.12% of 1517
companies
in the Banks industry
Industry Median: 1.12
vs MCB: 1.29
During the past 12 months, Metropolitan Bank Holding's average Book Value Per Share Growth Rate was 14.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 11.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 19.60% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of Metropolitan Bank Holding was 48.50% per year. The lowest was 8.50% per year. And the median was 13.35% per year.
Back to Basics: PB Ratio
Metropolitan Bank Holding (NYSE:MCB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Metropolitan Bank Holding PB Ratio Related Terms
Metropolitan Bank Holding PB Ratio 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 PB Ratio, along with its competitors' market caps and 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Metropolitan Bank Holding's PB Ratio distribution charts can be found below:
* The bar in red indicates where Metropolitan Bank Holding's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Metropolitan Bank Holding (MCB) has a PB Ratio of 1.29 as of Jul. 18, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Metropolitan Bank Holding and its competitors. This is 14% above median its historical median of 1.13. Over the past decade, Metropolitan Bank Holding's PB Ratio has ranged from 0.39 to 3.07. According to the industry distribution chart, Metropolitan Bank Holding ranks #1003 out of 1517 companies in the Banks industry, placing it in the top 66.1%.
Is Metropolitan Bank Holding's PB Ratio too high?
Metropolitan Bank Holding's current PB Ratio of 1.29 is 14% above median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 3.07. The Banks industry median PB Ratio is 1.12. Metropolitan Bank Holding's value of 1.29 is 15.2% above this industry median. Based on the distribution chart, Metropolitan Bank Holding ranks #1003 out of 1517 companies in the Banks industry, which is below 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 PB Ratio compare to UVSP and PFBC?
According to the Banks industry distribution chart, Metropolitan Bank Holding ranks #1003 out of 1517 companies for PB Ratio. This places Metropolitan Bank Holding in the lower half of its industry. The industry median PB Ratio is 1.12. Metropolitan Bank Holding's value of 1.29 is 15.2% above this benchmark. Historically, Metropolitan Bank Holding's own PB Ratio has ranged from 0.39 to 3.07 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 1.12, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Metropolitan Bank Holding's current PB Ratio of 1.29 is 15.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Metropolitan Bank Holding and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Metropolitan Bank Holding's current PB Ratio is 1.29, which is 14% above median its own 10-year median of 1.13. 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 $77.27, compared to a current price of $98.45 — trading 27.4% above its estimated fair value. The current PB Ratio is 1.29, which is 14% above median its 10-year median of 1.13 and 15.2% above the Banks industry median of 1.12. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Metropolitan Bank Holding (MCB), the current PB Ratio is 1.29 as of Jul. 18, 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 $98.45 is trading 27.4% above its estimated GF Value™ of $77.27.
GuruFocus considers Metropolitan Bank Holding to be Modestly Overvalued.
Key valuation signals for MCB:
PB Ratio: 1.29 (14% above median its 10-year median of 1.13)
GF Value™: $77.27 vs. price of $98.45 (27.4% above fair value)
Industry Position: 15.2% above the Banks median (#1003 of 1517)
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
Get the complete analysis for MCB
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MCB has been successfully added to your 
