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Metropolitan Bank Holding (MCB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Metropolitan Bank Holding (MCB) Q3 2026 earnings results →
Q3 2026 Revenue up 26% year over year to $101M · 32¢ of every $1 of revenue kept as net profit · operating margin 45.7%
Metropolitan Bank Holding made $101M in Q3 2026 (+26% Y/Y). Operating margin 45.7%, net earnings $32.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $100.6M in Q3 2026, up 26% year over year and up 8% from the previous quarter.
Operating profit was $46.0M, a 45.7% margin (up 33.0 points year over year). Of the extra revenue versus Q3 2025, 173% reached operating profit, above the 13% margin then. Total costs fell 22% while revenue rose 26%. Net earnings were $32.4M, up 356% year over year. The effective tax rate was 29.5%.
Operating cash flow was $61.5M (up 93% year over year), 190% of net earnings. Non-cash charges added back $3.8M of share-based compensation. Working capital and other items added $25.2M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $101M | +26% | 45.7% | $32.4M | $61.5M |
| Q2 2026 | 10-Q | Jul 31, 2026 | $93.0M | +22% | 30.0% | $19.2M | −$10.8M |
| Q1 2026 | 10-Q | May 8, 2026 | $88.5M | +25% | 50.2% | $31.4M | $55.0M |
| Q4 2025 | 10-K | Feb 20, 2026 | $88.4M | +24% | 46.6% | $28.9M | $30.7M |
| Q3 2025 | 10-Q | Nov 7, 2025 | $79.8M | +12% | 12.8% | $7.1M | $31.8M |
| Q2 2025 | 10-Q | Aug 1, 2025 | $76.3M | +13% | 35.1% | $18.8M | $18.4M |
| Q1 2025 | 10-Q | May 2, 2025 | $70.6M | +6% | 33.1% | $16.4M | $7.8M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Metropolitan Bank Holding
The Company is a bank holding company headquartered in New York, New York and registered under the BHC Act. Through its wholly owned bank subsidiary, Metropolitan Commercial Bank, a New York state-chartered commercial bank, the Company provides a broad range of business, commercial and retail banking products and services to small businesses, middle-market enterprises, public entities and individuals primarily in the New York metropolitan area. The Company’s founding members, including its Chief Executive Officer, Mark DeFazio, recognized a need in the New York metropolitan area for a solutions-oriented, commercial banking franchise focused on building relationships with middle market companies and real estate entrepreneurs whose financial needs are often overlooked by larger financial institutions.
In its own words, from its 10-K, filed Feb 20, 2026.
Metropolitan Bank Holding against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +26% against the peers' median +12%. Operating margin: 45.7% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| MCB Metropolitan Bank Holding | Q3 2026 | $101M | +26% | 45.7% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Metropolitan Bank Holding 10-Q on SEC EDGAR · CIK 1476034 · State Commercial Banks
Guidance and outlook
13F: who owns MCB and who is buying
More on MCB
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results