Q4 Revenue of $88.41M Exceeds Estimates
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 20 2026
0mins
Reports Q4 revenue $88.41M, two estimates $83.15M. Mark DeFazio, President and Chief Executive Officer, commented, "We are pleased to report our financial performance for both the fourth quarter and the year. In 2025 we continued to execute on our organic growth strategy. Loan growth for the year was $776 million, or approximately 13%, funded entirely with deposit growth. In fact, for the year our deposit growth exceeded our exceptional loan growth by more than $600 million, affording us the ability to pay off all wholesale funding and close the year with a robust cash position. Our performance underscores our leading market position and our resilient business model. We continue to take the right steps to position the bank for above market growth, while balancing this with our acute focus on risk management. Displaying strong momentum in the fourth quarter we achieved a net interest margin of 4.10% and ROATCE of 15.8%."
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Analyst Views on MCB
Wall Street analysts forecast MCB stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for MCB is 88.00 USD with a low forecast of 86.00 USD and a high forecast of 90.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 89.190
Low
86.00
Averages
88.00
High
90.00
Current: 89.190
Low
86.00
Averages
88.00
High
90.00
About MCB
Metropolitan Bank Holding Corp. is a bank holding company. The Company, through its subsidiary, Metropolitan Commercial Bank, a New York state-chartered commercial bank, provides a range of business, commercial and retail banking products and services to small businesses, middle-market enterprises, public entities and affluent individuals in the New York metropolitan area. In addition to traditional commercial banking products, the Company offers corporate cash management and retail banking services; customized financial solutions for government entities, municipalities, public institutions and charter schools; specialized services to facilitate secure and efficient real estate transactions and tax-deferred exchanges for title and escrow and Section 1031 exchanges; and EB-5 Program accounts for qualified foreign investors. Its commercial real estate products include acquisition loans, renovation loans, loans on owner-occupied properties and construction loans.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Metropolitan Bank Holding Corp. (MCB) Reports 13% Loan Growth and 20% Net Interest Income Increase in Q4 2025
- Loan Portfolio Growth: In 2025, Metropolitan Bank's loan portfolio expanded by approximately $775 million, representing nearly 13% growth, indicating strong performance in the lending market that enhances overall revenue and market share.
- Net Interest Income Increase: The bank reported net interest income of $85.3 million for Q4, reflecting over 10% growth from the previous quarter and nearly 20% year-over-year, showcasing sustained potential for income growth and strengthening profitability.
- Significant Deposit Growth: Deposits grew by approximately $1.4 billion in 2025, or about 23%, providing ample funding support for future loan growth and further solidifying the bank's financial stability.
- Positive Future Outlook: Management anticipates loan growth of about $800 million, or approximately 12%, in 2026, alongside plans to open two new branches in Florida, demonstrating confidence in market expansion and strategic positioning.
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Metropolitan Bank (MCB) Q4 EPS of $2.77 Beats by $0.70, Revenue Up 24.5%
- Earnings Highlights: Metropolitan Bank reported a Q4 GAAP EPS of $2.77, exceeding expectations by $0.70, which underscores the company's robust profitability and strengthens its position in the financial market.
- Revenue Growth: The bank achieved revenues of $88.41 million, a 24.5% year-over-year increase, surpassing estimates by $5.26 million, reflecting effective expansion in its customer base and market share.
- Future Outlook: In its 2026 outlook, Metropolitan Bank highlighted potential for margin expansion and plans to accelerate deposit growth through new verticals, indicating strong confidence in future business development.
- Market Reaction: Despite the strong performance, analysts noted that as the stock becomes fully valued, market momentum may wane, prompting investors to monitor future growth potential and market dynamics.
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