Filing Flows › Metropolitan Bank Holding (MCB) › Q3 2025
Metropolitan Bank Holding (MCB) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 7, 2025
Metropolitan Bank Holding (MCB) reported revenue of $79.8M for the third quarter 2025 (Q3 2025), +12% from a year earlier and +5% from the quarter before. Operating margin was 12.8%, net earnings $7.1M (8.9% of revenue).
Metropolitan Bank Holding, Q3 2025: revenue $79.8M (+12% year over year), operating margin 12.8%, net earnings $7.1M, operating cash flow $31.8M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $79.8M | +5% | +12% |
| Operating profit | $10.2M | -62% | -42% |
| Net earnings | $7.1M | -62% | -42% |
| Operating cash flow | $31.8M | +73% | +562% |
What changed
Revenue was $79.8M in Q3 2025, up 12% year over year and up 5% from the previous quarter.
Operating profit was $10.2M, a 12.8% margin (down 11.8 points year over year). Operating profit fell $7.4M even though revenue rose $8.3M versus a year earlier, so costs grew faster than sales. Total costs grew 29% against revenue growth of 12%. The fastest-growing cost line was Credit loss provision (+787%). Net earnings were $7.1M, down 42% year over year. The effective tax rate was 30.1%.
Operating cash flow was $31.8M (up 562% year over year), 447% of net earnings. Non-cash charges added back $2.7M of share-based compensation. Working capital and other items added $22.0M.
Questions
What was Metropolitan Bank Holding's revenue in the third quarter 2025?
Metropolitan Bank Holding (MCB) reported revenue of $79.8M for the third quarter 2025 (Q3 2025), +12% from a year earlier and +5% from the quarter before.
Was Metropolitan Bank Holding profitable in the third quarter 2025?
Operating profit was $10.2M (12.8% of revenue) and net earnings $7.1M.