Sep 2026 (Q3 FY26) — Oct 21, 2026
Metropolitan Bank Holding Corp. Q3 FY26 — Strong Earnings and Margin Expansion Driven by Disciplined Growth
Read the full callMetropolitan Bank Holding (MCB) earnings
- Jun 2026
- Sep 2026 (Q3 FY26)
- Dec 2025
Metropolitan Bank Holding earnings: last reported Wed, 21 Oct 2026, for the quarter ended Sep 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 2.6 | −0.9% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 19.2 | +2.4% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$96.88 +1.02% · +$0.98
Performance +28.7% 1Y
1Y: $75.27 on 22 Oct 2025 → $96.88. High $101.36 (16 Jul 2026), low $65.64 (6 Nov 2025).
- Previous close
- $95.9
- 52-week range
- $65.64 – $101.36
- One year
- +30.02%
Overview
- Symbol
- MCB
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Jun 2026 (Q2 FY26) — Jul 22, 2026
Metropolitan Commercial Bank Q2 FY26 — Strategic Investments and Credit Resolution Drive Future Growth
Read the full callEvery analysed call
Metropolitan Bank Holding earnings calls (MCB)
Financials
What the filings say
Net profit, year on year: +2% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 6 | 5 | 4 | 3 | 2 | 2 | 3 | 3 |
| Profit before tax | 18 | 31 | 23 | 27 | 10 | 41 | 44 | 28 |
| Tax rate | 30.2% | 31.7% | 30.0% | 29.9% | 30.1% | 29.9% | 29.2% | 31.1% |
| Net profit | 12 | 21 | 16 | 19 | 7 | 29 | 31 | 19 |
| EPS ($ per share) | 1.10 | — | 1.46 | 1.78 | 0.68 | — | 2.94 | 1.55 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Reserves | 51 | 81 | 121 | 181 | 241 | 316 | 383 | 451 |
| Total liabilities | 1,918 | 3,058 | 3,990 | 6,559 | 5,691 | 6,409 | 6,571 | 7,513 |
| Fixed assets | 7 | 12 | 13 | 15 | 32 | 35 | 35 | 38 |
| Total assets | 2,183 | 3,358 | 4,331 | 7,116 | 6,267 | 7,068 | 7,301 | 8,256 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 27 | 39 | 87 | 37 | 86 | 42 | 148 | 89 |
| Cash from investing | -455 | -1,015 | -489 | -1,303 | -1,229 | -775 | -370 | -763 |
| Cash from financing | 399 | 1,132 | 877 | 2,761 | -958 | 745 | 152 | 868 |
| Capital expenditure | -2 | — | — | — | — | — | — | — |
| Free cash flow | 25 | — | — | — | — | — | — | — |
MCB operating KPIs by quarter
| KPI | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Net interest margin | 4.08%Our reported net interest margin was 4.08% in the quarter, unchanged from the prior period.Source: earnings call transcript | 4.36%We delivered another strong quarter, highlighted by diluted earnings per share of $2.58, continued balance sheet growth and further expansion of our net interest margin to 4.36%.Source: earnings call transcript | +0.3 pt |
| Employees Artificial intelligence | 4Our AI team is currently 4 FTEs with 3 more hires in the pipeline.Source: earnings call transcript | 6The AI team is currently 6 FTEs with at least one more in the pipeline -- one more hire in the pipeline.Source: earnings call transcript | +50% |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
60 filings between Oct 27, 2025 and Sep 17, 2026.
Open market
decisions to buy or sellPurchases
$252.9K
5 purchases by 3 insiders
Sales
$4.53M
17 sales by 4 insiders
35% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 25
- Award — granted as compensation
- 11
- Tax withheld — shares kept back by the company to cover tax
Also filed: 1 disposition to issuer, 1 gift.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| PATENT ROBERT C | — | $3.70M | Aug 10, 2026 |
| Rosenberg Nick | — | $388.8K | Jul 1, 2026 |
| GUTMAN HARVEY | — | $268.7K | May 29, 2026 |
| Dougherty Daniel F | $241.6K | — | Jul 23, 2026 |
| Fredston Dale C | — | $178.2K | Sep 17, 2026 |
| FABIANO ANTHONY J | $10.0K | — | Oct 30, 2025 |
| Erikson Frederik F | $1.4K | — | Oct 27, 2025 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 17, 2026 | Fredston Dale C Director | Sale | 2,000 | $178.2K |
| Aug 10, 2026 | PATENT ROBERT C Director | Sale | 10,000 | $922.9K |
| Jul 23, 2026 | Dougherty Daniel F EVP & Chief Financial Officer | Purchase | 1,000 | $90.0K |
| Jul 1, 2026 | Rosenberg Nick Executive Vice President | Sale 10b5-1 plan | 1,807 | $181.5K |
| Jun 30, 2026 | Rosenberg Nick Executive Vice President | Sale 10b5-1 plan | 90 | $9.0K |
| Jun 29, 2026 | Rosenberg Nick Executive Vice President | Sale 10b5-1 plan | 90 | $9.0K |
| Jun 26, 2026 | Rosenberg Nick Executive Vice President | Sale 10b5-1 plan | 263 | $26.3K |
| Jun 12, 2026 | PATENT ROBERT C Director | Sale | 10,000 | $964.1K |
| Jun 4, 2026 | PATENT ROBERT C Director | Sale | 5,000 | $451.1K |
| May 29, 2026 | GUTMAN HARVEY Director | Sale | 3,000 | $268.7K |
| Mar 28, 2026 | DeFazio Mark R President and CEO | Tax withheld | 6,050 | $487.9K |
| Mar 28, 2026 | Lublin Scott EVP and Chief Lending Officer | Tax withheld | 3,025 | $244.0K |
| Mar 10, 2026 | Dougherty Daniel F EVP & Chief Financial Officer | Purchase | 1,000 | $80.0K |
| Mar 2, 2026 | Rosenberg Nick Executive Vice President | Award | 4,241 | $0 |
| Mar 2, 2026 | Gaare Gregory SVP & Chief Risk Officer | Tax withheld | 342 | $28.8K |
| Mar 2, 2026 | Capra Laura EVP, Head of Retail Banking | Award | 4,650 | $0 |
| Mar 2, 2026 | Dougherty Daniel F EVP & Chief Financial Officer | Tax withheld | 1,631 | $137.2K |
| Mar 2, 2026 | Dougherty Daniel F EVP & Chief Financial Officer | Award | 5,487 | $0 |
| Mar 2, 2026 | Bonnar Gerald David SVP, Controller, CAO & PAO | Tax withheld | 1,099 | $92.5K |
| Mar 2, 2026 | Rosenberg Nick Executive Vice President | Tax withheld | 5,628 | $473.6K |
| Mar 2, 2026 | Bonnar Gerald David SVP, Controller, CAO & PAO | Award | 2,153 | $0 |
| Mar 2, 2026 | Scott Norman SVP and Chief Credit Officer | Tax withheld | 2,310 | $194.4K |
| Mar 2, 2026 | Erikson Frederik F EVP & General Counsel | Tax withheld | 661 | $55.6K |
| Mar 2, 2026 | Erikson Frederik F EVP & General Counsel | Award | 4,536 | $0 |
| Mar 2, 2026 | Scott Norman SVP and Chief Credit Officer | Award | 2,296 | $0 |
| Mar 2, 2026 | Gaare Gregory SVP & Chief Risk Officer | Award | 2,414 | $0 |
| Mar 2, 2026 | Berrios Dixiana M EVP & Chief Operating Officer | Disposition to issuer | 1,418 | $119.3K |
| Mar 2, 2026 | Capra Laura EVP, Head of Retail Banking | Tax withheld | 1,705 | $143.5K |
| Mar 2, 2026 | Berrios Dixiana M EVP & Chief Operating Officer | Award | 3,432 | $0 |
| Mar 2, 2026 | DeFazio Mark R President and CEO | Award | 30,000 | $0 |
| Mar 2, 2026 | DeFazio Mark R President and CEO | Award | 6,688 | $0 |
| Mar 2, 2026 | DeFazio Mark R President and CEO | Tax withheld | 9,445 | $794.8K |
| Mar 2, 2026 | Lublin Scott EVP and Chief Lending Officer | Tax withheld | 3,294 | $277.2K |
| Mar 2, 2026 | Lublin Scott EVP and Chief Lending Officer | Award | 5,443 | $0 |
| Feb 27, 2026 | Lublin Scott EVP and Chief Lending Officer | Award | 17,602 | $0 |
| Feb 27, 2026 | DeFazio Mark R President and CEO | Award | 35,205 | $0 |
| Feb 25, 2026 | DeFazio Mark R President and CEO | Award | 5,882 | $500.0K |
| Jan 27, 2026 | Wolf George J Jr Director | Gift | 1,720 | $0 |
| Jan 23, 2026 | Wolf George J Jr Director | Award | 2,500 | $0 |
| Jan 23, 2026 | Pamula Chaya Director | Award | 2,500 | $0 |
| Jan 23, 2026 | Reinhardt William Director | Award | 2,500 | $0 |
| Jan 23, 2026 | Gold David J Director | Award | 2,500 | $0 |
| Jan 23, 2026 | Fredston Dale C Director | Award | 2,500 | $0 |
| Jan 23, 2026 | FABIANO ANTHONY J Director | Award | 2,500 | $0 |
| Jan 23, 2026 | RAMIREZ MARIA F Director | Award | 2,500 | $0 |
| Jan 23, 2026 | Robinson Katrina Director | Award | 2,500 | $0 |
| Jan 23, 2026 | MITCHELL TERENCE J Director | Award | 2,500 | $0 |
| Jan 23, 2026 | GUTMAN HARVEY Director | Award | 2,500 | $0 |
| Jan 23, 2026 | PATENT ROBERT C Director | Sale | 912 | $82.1K |
| Jan 23, 2026 | PATENT ROBERT C Director | Sale | 1,433 | $132.0K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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