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Metropolitan Bank Holding cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$61.5M in Q3 2026 · $136M over twelve months

Operating cash flow$61.5M
Free cash flow+$61.5M
Cash / net income1.9×

Analysis

In Q3 2026, Metropolitan Bank Holding generated $61.5M of operating cash flow. That is $29.7M more than in Q3 2025 ($31.8M).

Over the twelve months to Sep 30, 2026, operating cash flow was $136M; the largest uses were other investing ($1.4B), buybacks ($39.9M), dividends ($11.3M); besides operations, cash came from other financing ($1.2B); the cash balance fell by $139M.

Operating cash flow was $61.5M against net income of $32.4M — 1.9× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$16.5M, prepaid and other assets +$7.7M, depreciation & amortization −$3.9M.

Free cash flow

Metropolitan Bank Holding: free cash flow by quarterMetropolitan Bank Holding: free cash flow by quarter$83.4MQ4 2024$7.8MQ1 2025$18.4MQ2 2025$31.8MQ3 2025$30.7MQ4 2025$55.0MQ1 2026−$10.8MQ2 2026$61.5MQ3 2026
Operating cash flow less capital spending.
Metropolitan Bank Holding: operating cash flow against capital spendingMetropolitan Bank Holding: operating cash flow against capital spendingOperating cash flowCapital spending$83.4M$0Q4 2024$7.8M$0Q1 2025$18.4M$0Q2 2025$31.8M$0Q3 2025$30.7M$0Q4 2025$55.0M$0Q1 2026−$10.8M$0Q2 2026$61.5M$0Q3 2026
Latest (Q3 2026): Operating cash flow $61.5M, Capital spending $0.

Capital allocation, year by year

Metropolitan Bank Holding: where the cash came from (up) and went (down), by fiscal yearMetropolitan Bank Holding: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedBuybacksDividendsFY2021: Operating cash flow $37.3MFY2021: Net borrowing $16.6MFY2021: Shares issued $163M$217MFY2021FY2022: Operating cash flow $85.9MFY2022: Shares issued $194K$86.1MFY2022FY2023: Operating cash flow $42.4M$42.4MFY2023FY2024: Operating cash flow $148MFY2024: Net borrowing $100M$248MFY2024FY2025: Operating cash flow $88.7MFY2025: Buybacks −$73.5MFY2025: Dividends −$3.1M$88.7MFY2025
Over these 5 years operating cash flow totalled $403M; the largest uses were buybacks ($73.5M) and dividends ($3.1M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$247M
Debtnone
Net cash$247M

Metropolitan Bank Holding funds itself: free cash flow was $136M over the last twelve months, with $247M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Metropolitan Bank Holding: sources (+) and uses (−) of cash, Q3 2026Metropolitan Bank Holding: sources (+) and uses (−) of cash, Q3 2026Other investing−$629MOther financing$589MOperating cash flow$61.5MBuybacks−$9.8MCash drawn (+) / kept (−)−$7.7MDividends−$4.3M
Metropolitan Bank Holding: sources (+) and uses (−) of cash, TTM to Q3 2026Metropolitan Bank Holding: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$1.4BOther financing$1.2BCash drawn (+) / kept (−)$139MOperating cash flow$136MBuybacks−$39.9MDividends−$11.3M

From profit to cash

Metropolitan Bank Holding: net income to operating cash flow, Q3 2026Metropolitan Bank Holding: net income to operating cash flow, Q3 2026Net income$32.4MDepreciation & amortization−$3.9MStock-based pay$3.8MPrepaid and other assets$7.7MOther liabilities$16.5MOperating cash flow$61.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$61.5M−$9.8M−$4.3M−$7.7M$61.5M
Q2 2026−$10.8M—−$3.4M$433M−$10.8M
Q1 2026$55.0M−$9.9M−$2.0M−$279M$55.0M
Q4 2025$30.7M−$20.2M−$1.6M−$7.7M$30.7M
Q3 2025$31.8M−$2.7M—−$233M$31.8M
Q2 2025$18.4M−$37.6M—$44.0M$18.4M
Q1 2025$7.8M−$12.9M—$3.8M$7.8M
Q4 2024$83.4M——$118M$83.4M

Metropolitan Bank Holding: income statement and cash flow

Metropolitan Bank Holding, Q3 2026: revenue $101M (+26% year over year), operating margin 45.7%. The chart follows the revenue to costs, profit and cash.

Metropolitan Bank Holding: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.