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MCB

Metropolitan BankB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
MCB re-rates as NIM widens and credit remains stable, pushing valuation toward the analyst high; consistent execution on loan growth and deposit stability is required.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +7.7.
What can break
Deposit concentration and outflow risk
Momentum
66
Value
60
Sentiment
53
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $90.00 · Bull $97.65 · Bear $79.50Analysis 2026-01-21; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-30 • Vendor: Data Vendor v1
Scores
As of 2026-10-30 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-21 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-10-30

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-30. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $108.33
Why
Momentum66 · Δ7d +16.5
Value60 · Δ7d +7.7
Sentiment53 · Δ7d +5.3
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +7.7.

Contradictions & invalidation

  • • Deposit concentration and outflow risk
  • • Deterioration in commercial real estate or broader loan portfolio credit
  • • Deposit outflows, rising provisions, or regulatory headlines compress multiples toward the analyst low, leaving the stock at or below the anchor until clarity returns.

Catalyst clock

2026-04-21

FY-2025 / Q4 earnings release and guidance

Lead driver: Value · See fundamentals
Momentum
66
8% active weight
Current posture
7d trendImproving
Δ7d
+16.5
Δ21d
+20.7
Value
60
47% active weight
Current posture
7d trendImproving
Δ7d
+7.7
Δ21d
+4.5
Sentiment
53
45% active weight
Current posture
7d trendImproving
Δ7d
+5.3
Δ21d
-14.1
Why this grade

Composite grade B. Momentum 66.1 / Value 59.9 / Sentiment 52.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-21. Scenario method

B+
Bull case
20%
Probability
Target price
$97.65
Analysis reference price unavailable
Analysis 2026-01-21 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$90.00
Analysis reference price unavailable
Analysis 2026-01-21 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$79.50
Analysis reference price unavailable
Analysis 2026-01-21 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-10-30
Market Cap
$1.17B
Beta
1.15
Shares Out
12.29M
P/E (TTM)
13.9
P/S (TTM)
2.76
P/FCF (TTM)
6.01
Rev YoY
+10.7%
EPS YoY
-12.6%
Gross Margin
-
Op Margin
+22.2%
Net Debt
$68.85M
Current Ratio
0.00
As of 2026-10-30 • Updated nightlySource: Internal modelMethods & Data