Filing Flows › Metropolitan Bank Holding (MCB) › Q4 2025
Metropolitan Bank Holding (MCB) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 20, 2026
Metropolitan Bank Holding (MCB) reported revenue of $88.4M for the fourth quarter 2025 (Q4 2025), +25% from a year earlier and +11% from the quarter before. Operating margin was 46.6%, net earnings $28.9M (32.6% of revenue).
Metropolitan Bank Holding, Q4 2025: revenue $88.4M (+24% year over year), operating margin 46.6%, net earnings $28.9M, operating cash flow $30.7M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $88.4M | +11% | +25% |
| Operating profit | $41.2M | +304% | +31% |
| Net earnings | $28.9M | +305% | +35% |
| Operating cash flow | $30.7M | -3% | -63% |
What changed
Revenue was $88.4M in Q4 2025, up 25% year over year and up 11% from the previous quarter.
Operating profit was $41.2M, a 46.6% margin (up 2.4 points year over year). Of the extra revenue versus a year earlier, 57% reached operating profit, above the 44% margin then. Total costs grew 19% against revenue growth of 25%. The fastest-growing cost line was Credit loss provision (+90%). Net earnings were $28.9M, up 35% year over year. The effective tax rate was 29.9%.
Operating cash flow was $30.7M (down 63% year over year), 107% of net earnings. Non-cash charges added back $11.7M of depreciation and amortization and $1.9M of share-based compensation. Working capital and other items used $11.7M.
Questions
What was Metropolitan Bank Holding's revenue in the fourth quarter 2025?
Metropolitan Bank Holding (MCB) reported revenue of $88.4M for the fourth quarter 2025 (Q4 2025), +25% from a year earlier and +11% from the quarter before.
Was Metropolitan Bank Holding profitable in the fourth quarter 2025?
Operating profit was $41.2M (46.6% of revenue) and net earnings $28.9M.