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Metropolitan Bank HoldingMCB -1.27%82 5-Year Yield-on-Cost % is 1.02 as of Aug. 07, 2026, which is 168% above its 10-year median of 0.38. GuruFocus rates MCB with a GF Score™ of 82/100 and a GF Value™ of $78.94 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,252 Banks companies, Metropolitan Bank Holding ranks worse than 93.21% on this metric.
Metropolitan Bank Holding (NYSE:MCB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Metropolitan Bank Holding 5-Year Yield-on-Cost % Related Terms
MCB vs CLBK, AMTB, NBN: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Metropolitan Bank Holding's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Metropolitan Bank Holding's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Metropolitan Bank Holding's 5-Year Yield-on-Cost % falls into.
Metropolitan Bank Holding 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Metropolitan Bank Holding (MCB) has a 5-Year Yield-on-Cost % of 1.02 as of Aug. 07, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Metropolitan Bank Holding and its competitors. This is 168% above median its historical median of 0.38. Over the past decade, Metropolitan Bank Holding's 5-Year Yield-on-Cost % has ranged from 0.19 to 1.02. According to the industry distribution chart, Metropolitan Bank Holding ranks #1167 out of 1252 companies in the Banks industry, placing it in the top 93.2%.
Is Metropolitan Bank Holding's 5-Year Yield-on-Cost % too high?
Metropolitan Bank Holding's current 5-Year Yield-on-Cost % of 1.02 is 168% above median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 1.02. The Banks industry median 5-Year Yield-on-Cost % is 3.81. Metropolitan Bank Holding's value of 1.02 is 73.2% below this industry median. Based on the distribution chart, Metropolitan Bank Holding ranks #1167 out of 1252 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Metropolitan Bank Holding has a GF Score™ of 82/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Metropolitan Bank Holding's 5-Year Yield-on-Cost % compare to CLBK and AMTB?
According to the Banks industry distribution chart, Metropolitan Bank Holding ranks #1167 out of 1252 companies for 5-Year Yield-on-Cost %. This places Metropolitan Bank Holding in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. Metropolitan Bank Holding's value of 1.02 is 73.2% below this benchmark. Historically, Metropolitan Bank Holding's own 5-Year Yield-on-Cost % has ranged from 0.19 to 1.02 over the past decade. While the company's 10-year median is 0.38 vs. the industry median of 3.81, Metropolitan Bank Holding has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.81, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Metropolitan Bank Holding's current 5-Year Yield-on-Cost % of 1.02 is 73.2% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Metropolitan Bank Holding and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Metropolitan Bank Holding's current 5-Year Yield-on-Cost % is 1.02, which is 168% above median its own 10-year median of 0.38. 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 $78.94, compared to a current price of $92.85 — trading 17.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 1.02, which is 168% above median its 10-year median of 0.38 and 73.2% below the Banks industry median of 3.81. Metropolitan Bank Holding's overall GF Score™ is 82/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Metropolitan Bank Holding (MCB), the current 5-Year Yield-on-Cost % is 1.02 as of Aug. 07, 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 $92.85 is trading 17.6% above its estimated GF Value™ of $78.94.
GuruFocus considers Metropolitan Bank Holding to be Modestly Overvalued.
Key valuation signals for MCB:
5-Year Yield-on-Cost %: 1.02 (168% above median its 10-year median of 0.38)
GF Value™: $78.94 vs. price of $92.85 (17.6% above fair value)
Industry Position: 73.2% below the Banks median (#1167 of 1252)
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.
82GF Score
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