Mcb.L
McBride (MCB.L) is a UK-based company that produces and sells household products, primarily in the Consumer Non-Cyclicals sector.
Business. Metropolitan Bank Holding Corp. (MCB) is a commercial bank headquartered in the United States, operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking models. It is publicly traded on the New York Stock Exchange under the ticker symbol MCB. Specific details regarding operating segments and geographic mix are not provided.
Analyst recommendations
3 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
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- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Metropolitan Bank Holding Corp. (MCB) is a commercial bank headquartered in the United States, operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking models. It is publicly traded on the New York Stock Exchange under the ticker symbol MCB. Specific details regarding operating segments and geographic mix are not provided.
McBride's capital structure is characterized by a debt-to-equity ratio of 1.48, indicating a moderate reliance on debt financing. The company's liquidity position is assessed as medium, with a current ratio of 0.96, suggesting that its current liabilities slightly exceed its current assets. Free cash flow stands at 24.4 million GBP, which is lower than the operating cash flow of 63.1 million GBP, reflecting capital expenditures of 30.4 million GBP.
In terms of profitability, McBride's return on equity (ROE) is 35.21%, significantly higher than the typical benchmark for the industry, while its return on assets (ROA) is 6.57%, which is in line with the industry median. The company's net income of 33.2 million GBP and operating income of 60.2 million GBP indicate a healthy margin, with a gross profit of 342.1 million GBP supporting these figures.
Geographically and segment-wise, the company's revenue is concentrated in the UK, with no disclosed international segments. The lack of geographic diversification may expose the company to regional economic fluctuations. The company operates as a single business segment, which simplifies its operations but also limits diversification benefits.
Looking at the growth trajectory, the company's revenue for the latest period is 926.5 million GBP. While no specific growth rate is provided, the company's free cash flow and operating cash flow suggest a stable cash generation capability. The company's capital expenditures of 30.4 million GBP indicate ongoing investment in its operations.
The risk assessment for McBride highlights a medium liquidity risk, primarily due to a current ratio of 0.96, and a low dilution risk, as the number of shares outstanding has not changed between basic and diluted figures. The company's net cash position is negative after subtracting total debt, which could pose a challenge in the event of a liquidity crunch.
Recent events and filings do not show any significant changes in the company's operations or financial strategy. The company's price targets from analysts range from 190.00 GBP to 195.00 GBP, with a mean of 193.33 GBP and a median of 195.00 GBP. The mean recommendation from analysts is 1.33, indicating a generally positive outlook.
- McBride has a strong return on equity (35.21%) and a moderate debt-to-equity ratio (1.48), indicating a balanced capital structure.
- The company's liquidity position is medium, with a current ratio of 0.96, suggesting potential short-term liquidity challenges.
- McBride's free cash flow of 24.4 million GBP supports its operations and capital expenditures of 30.4 million GBP.
- Analysts have a generally positive outlook, with a mean recommendation of 1.33 and a median price target of 195.00 GBP.
- The company's operations are concentrated in the UK, which may increase its exposure to regional economic conditions.
Bull / Bear case
Generated · model-assistedMetropolitan Bank Holding trades at a 1.32 price-to-book multiple, indicating a modest premium to tangible book value.
The company maintains a zero debt-to-equity ratio, ranking above the 75th percentile within its banking cohort.
Cash conversion metrics stand at 1.75, significantly outperforming the cohort median of 1.13 for banks.
Equity has demonstrated a positive five-year CAGR of 5.2%, suggesting long-term capital base expansion.
Total assets reached $7.3 billion in FY2025, providing a substantial balance sheet foundation for operations.
Total assets contracted by 11.6% year-over-year in FY2025, signaling a shrinking balance sheet.
Return on assets of 0.36% indicates weak profitability relative to the total asset base.
The company faces a medium level of dilution risk, potentially impacting existing shareholder value.
In focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 0,23 |
| Revenue | —no estimate | —no estimate | 933,2M GBP |
| Operating income | —no estimate | —no estimate | 64,2M GBP |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- MCB.L Market data — financials · 2026-05-28
- McBride PLC Market data — analyst estimates · 2026-05-28
Ownership & reference
Leadership
- Chris Ian Charles SmithChief Executive Officer, Executive Director
Insider activity
- Director · Common StockSold 10 000 @ $96,41$964K · 2026-06-12
- Director · Common StockSold 5 000 @ $90,21$451K · 2026-06-04
- Director · Common StockSold 3 000 @ $89,58$269K · 2026-05-29
- EVP and Chief Lending Officer · Common StockOther 3 025 @ $80,65$244K · 2026-03-28
- Director, President and CEO · Common StockOther 6 050 @ $80,65$488K · 2026-03-28
- EVP & Chief Financial Officer · Common StockBought 1 000 @ $79,95$80K · 2026-03-10
- Executive Vice President · Common StockOther 4 241 · 2026-03-02
- Executive Vice President · Common StockOther 5 628 @ $84,15$474K · 2026-03-02
- EVP & Chief Financial Officer · Common StockOther 5 487 · 2026-03-02
- EVP & Chief Financial Officer · Common StockOther 1 631 @ $84,15$137K · 2026-03-02
- EVP, Head of Retail Banking · Common StockOther 4 650 · 2026-03-02
- EVP, Head of Retail Banking · Common StockOther 1 705 @ $84,15$143K · 2026-03-02
- EVP & General Counsel · Common StockOther 4 536 · 2026-03-02
- EVP & General Counsel · Common StockOther 661 @ $84,15$56K · 2026-03-02
- SVP & Chief Risk Officer · Common StockOther 2 414 · 2026-03-02
- SVP & Chief Risk Officer · Common StockOther 342 @ $84,15$29K · 2026-03-02
- SVP and Chief Credit Officer · Common StockOther 2 296 · 2026-03-02
- SVP and Chief Credit Officer · Common StockOther 2 310 @ $84,15$194K · 2026-03-02
- SVP, Controller, CAO & PAO · Common StockOther 2 153 · 2026-03-02
- SVP, Controller, CAO & PAO · Common StockOther 1 099 @ $84,15$92K · 2026-03-02
- EVP & Chief Operating Officer · Common StockOther 3 432 · 2026-03-02
- EVP & Chief Operating Officer · Common StockOther 1 418 @ $84,15$119K · 2026-03-02
- EVP and Chief Lending Officer · Common StockOther 5 443 · 2026-03-02
- EVP and Chief Lending Officer · Common StockOther 3 294 @ $84,15$277K · 2026-03-02
- Director, President and CEO · Common StockOther 9 445 @ $84,15$795K · 2026-03-02
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 11.6%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 12.4%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 14.3%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): 96.5%Derived (calculated)
- Return on equity (FY 2025-12-31): 9.6%Derived (calculated)
- Return on assets (FY 2025-12-31): 0.9%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 10.11xDerived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 13.1%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 1.8%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -40.3%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 6.6%Derived (calculated)
- Cash & equivalents (annual): USD 393.59MSEC XBRL filing
- Net income (annual): USD 71.1MSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 7SEC XBRL filing
- Shares outstanding (annual): 10.09MSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 7SEC XBRL filing
- Pre-tax income (annual): USD 101.51MSEC XBRL filing
- Shareholders' equity (annual): USD 743.11MSEC XBRL filing
- Operating cash flow (annual): USD 88.68MSEC XBRL filing
- Total liabilities (annual): USD 7.51BSEC XBRL filing
- Total assets (annual): USD 8.26BSEC XBRL filing
- Debt-to-equity (FY 2024-12-31): 9.00xDerived (calculated)
- Return on equity (FY 2024-12-31): 9.1%Derived (calculated)
- Return on assets (FY 2024-12-31): 0.9%Derived (calculated)