Estados financieros detallados de Metropolitan Bank Holding Corp. (MCB): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Metropolitan Bank Holding Corp. registró ingresos de $527.1M en el último ejercicio fiscal, con un CAGR de 5 años del 26.9%. El beneficio neto alcanzó $71.1M, con un CAGR a 5 años del 12.5%.
Márgenes de los últimos 12 meses: margen bruto 45.9%, margen operativo 12.2%, margen neto 20.6%. El flujo de caja libre creció a un CAGR del -0.2% en 5 años.
Al precio actual de $89.74, MCB cotiza a un P/E de 10.96 y un ROE del 10.22%. La capitalización bursátil es de $1.1B.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Ingresos | $49.2M | $72.1M | $96.1M | $140.4M | $160.1M | $197.0M | $287.3M | $403.3M | $492.2M | $527.1M |
| Coste de Ventas | $14.1M | $15.7M | $15.9M | $36.4M | $27.7M | $20.1M | $41.7M | $164.9M | $221.6M | $249.6M |
| Beneficio Bruto | $35.0M | $56.3M | $80.2M | $104.0M | $132.4M | $176.9M | $245.6M | $238.5M | $270.7M | $277.5M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $19.5M | $20.8M | $25.7M | $31.2M | $41.8M | $49.8M | $61.9M | $76.0M | $89.6M | $94.4M |
| Gastos Operativos | $27.0M | $32.7M | $43.5M | $60.0M | $74.5M | $87.3M | $148.7M | $131.5M | $173.6M | $176.0M |
| Beneficio Operativo | $8.1M | $23.6M | $36.8M | $44.1M | $57.9M | $89.6M | $96.9M | $106.9M | $97.1M | $101.5M |
| EBITDA | $8.8M | $24.6M | $38.1M | $45.7M | $62.5M | $94.6M | $106.6M | $114.1M | $85.7M | $90.5M |
| Gastos por Intereses | $6.1M | $8.7M | $12.7M | $32.2M | $18.2M | $16.3M | $31.6M | $152.6M | $215.3M | $212.0M |
| Beneficio Antes de Impuestos | $8.1M | $23.6M | $36.8M | $44.1M | $57.9M | $89.6M | $96.9M | $106.9M | $97.1M | $101.5M |
| Impuestos | $3.0M | $11.2M | $11.2M | $13.9M | $18.5M | $29.0M | $37.5M | $29.6M | $30.4M | $30.4M |
| Beneficio Neto | $5.0M | $12.4M | $25.6M | $30.1M | $39.5M | $60.6M | $59.4M | $77.3M | $66.7M | $71.1M |
| BPA | $0.65 | $2.40 | $3.12 | $3.63 | $4.76 | $6.64 | $5.42 | $6.95 | $5.96 | $6.71 |
| BPA Diluido | $0.65 | $2.34 | $3.06 | $3.56 | $4.66 | $6.45 | $5.29 | $6.91 | $5.93 | $6.62 |
| Acciones en Circulación (Diluidas) | $7.7M | $8.2M | $8.4M | $8.3M | $8.4M | $9.3M | $11.2M | $11.1M | $11.3M | $10.7M |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caja y Equivalentes | $82.9M | $261.2M | $232.9M | $389.2M | $864.3M | $2.36B | $257.4M | $269.5M | $200.3M | $393.6M |
| Inversiones a Corto | $37.3M | $32.2M | $30.4M | $234.9M | $266.1M | $566.6M | 0 | 0 | $66.9M | $551.0M |
| Cuentas por Cobrar | $15.7M | $20.6M | $19.2M | $20.4M | $40.5M | $39.9M | $85.6M | $87.6M | 0 | 0 |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $143.7M | $319.7M | $290.8M | $661.7M | $1.19B | $2.98B | $343.0M | $357.1M | $267.2M | $944.6M |
| Inmovilizado Material | $5.0M | $6.3M | $6.9M | $12.1M | $13.5M | $15.1M | $31.9M | 0 | 0 | 0 |
| Fondo de Comercio | $9.7M | $9.7M | $9.7M | $9.7M | $9.7M | $9.7M | 0 | 0 | 0 | 0 |
| Activos Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Totales | $1.22B | $1.76B | $2.18B | $3.36B | $4.33B | $7.12B | $6.27B | $7.07B | $7.30B | $8.26B |
| Cuentas por Pagar | $11.1M | $22.4M | $19.7M | $24.8M | $62.4M | $37.2M | 0 | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $1.03B | $1.45B | $1.70B | $2.82B | $3.89B | $6.47B | $5.28B | $5.74B | $5.98B | $7.38B |
| Deuda a Largo | $78.4M | $66.7M | $209.5M | $211.6M | $61.6M | $57.2M | $257.7M | $546.6M | $457.4M | $11.0M |
| Pasivos Totales | $1.11B | $1.52B | $1.92B | $3.06B | $3.99B | $6.56B | $5.69B | $6.41B | $6.57B | $7.51B |
| Reservas | $13.5M | $25.9M | $51.4M | $81.4M | $120.8M | $181.4M | $240.8M | $316.0M | $382.7M | $450.6M |
| Patrimonio Neto | $109.5M | $236.9M | $264.5M | $299.1M | $340.8M | $557.0M | $575.9M | $659.0M | $729.8M | $743.1M |
| Deuda Total | $78.4M | $66.7M | $209.5M | $211.6M | $61.6M | $57.2M | $257.7M | $546.6M | $457.4M | $11.0M |
| Deuda Neta | -$41.8M | -$226.7M | -$56.0M | -$412.6M | -$1.07B | -$2.87B | $307000 | $277.1M | $190.3M | -$933.7M |
| Capital Circulante | -$881.8M | -$1.13B | -$1.41B | -$2.15B | -$2.70B | -$3.49B | -$4.93B | -$5.38B | -$5.72B | -$6.43B |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Beneficio Neto | $5.0M | $12.4M | $25.6M | $30.1M | $39.5M | $60.6M | $59.4M | $77.3M | $66.7M | $71.1M |
| Amortizaciones | $785000 | $978000 | $1.4M | $1.6M | $4.6M | $5.1M | $9.7M | $7.1M | -$11.4M | -$11.1M |
| Compensación en Acciones | $2.3M | $412000 | $2.2M | $3.1M | $3.3M | $4.8M | $7.8M | $9.8M | $8.9M | $8.9M |
| Cambio en Capital Circulante | -$1.0M | $9.6M | -$5.0M | -$1.5M | $33.0M | -$38.6M | $2.6M | -$61.2M | $83.8M | -$7.4M |
| Flujo de Caja Operativo | $14.6M | $31.5M | $27.1M | $39.0M | $87.3M | $37.3M | $85.9M | $42.4M | $148.5M | $88.7M |
| Inversiones (CapEx) | -$1.2M | -$2.2M | -$2.0M | -$6.8M | -$3.9M | -$4.0M | -$19.2M | -$5.7M | -$2.6M | -$6.3M |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | 0 | 0 | -$132000 | -$89000 | -$881000 | -$3.4M | -$1.6M | -$3.2M | -$4.6M | -$77.0M |
| Dividendos Pagados | -$3.4M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$3.1M |
| Flujo de Caja Libre | $13.4M | $29.3M | $25.1M | $32.1M | $83.4M | $33.3M | $66.6M | $36.7M | $145.8M | $82.4M |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crecimiento Ingresos (anual) | +46.5% | +33.4% | +46.1% | +14.0% | +23.0% | +45.9% | +40.4% | +22.0% | +7.1% | |
| Crecimiento Beneficio Neto (anual) | +146.7% | +106.6% | +17.9% | +31.0% | +53.4% | -1.9% | +30.0% | -13.7% | +6.6% | |
| Crecimiento BPA (anual) | +269.2% | +30.0% | +16.3% | +31.1% | +39.5% | -18.4% | +28.2% | -14.2% | +12.6% | |
| Cambio en Acciones (anual) | +6.0% | +1.9% | -0.1% | +0.7% | +10.4% | +20.8% | -0.6% | +1.1% | -4.6% | |
| Crecimiento FCF (anual) | +118.7% | -14.2% | +28.0% | +159.5% | -60.1% | +100.2% | -45.0% | +297.6% | -43.5% | |
| Margen Bruto | 71.2% | 78.2% | 83.5% | 74.1% | 82.7% | 89.8% | 85.5% | 59.1% | 55.0% | 52.6% |
| Margen Operativo | 16.4% | 32.7% | 38.3% | 31.4% | 36.2% | 45.5% | 33.7% | 26.5% | 19.7% | 19.3% |
| Margen EBITDA | 18.0% | 34.1% | 39.7% | 32.5% | 39.1% | 48.0% | 37.1% | 28.3% | 17.4% | 17.2% |
| Margen Neto | 10.2% | 17.2% | 26.6% | 21.5% | 24.7% | 30.7% | 20.7% | 19.2% | 13.5% | 13.5% |
| Margen FCF | 27.2% | 40.6% | 26.1% | 22.9% | 52.1% | 16.9% | 23.2% | 9.1% | 29.6% | 15.6% |
| Tasa Impositiva Efectiva | 37.8% | 47.5% | 30.5% | 31.6% | 31.9% | 32.4% | 38.7% | 27.7% | 31.3% | 30.0% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Acción | $1.73 | $3.57 | $3.01 | $3.85 | $9.93 | $3.59 | $5.95 | $3.30 | $12.96 | $7.67 |
| Dividendo por Acción | $0.44 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.29 |
| Acciones en Circulación (Básicas) | $7.7M | $8.2M | $8.2M | $8.2M | $8.2M | $9.0M | $10.9M | $11.1M | $11.2M | $10.6M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 10.22% |
| Rentabilidad sobre capital invertido | 3.19% |
| Rentabilidad sobre activos | 0.98% |
| Margen bruto | 45.90% |
| Margen operativo | 12.24% |
| Margen neto | 20.65% |
Salud financiera
| Deuda / Patrimonio | 0.04 |
| Ratio corriente | 0.00 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E | 57.25 | 17.54 | 9.89 | 13.29 | 7.62 | 16.04 | 10.82 | 7.36 | 9.80 | 11.38 |
| P/VC | 2.63 | 1.46 | 0.96 | 1.32 | 0.87 | 1.72 | 1.11 | 0.86 | 0.89 | 1.09 |
| P/V | 5.85 | 4.79 | 2.63 | 2.81 | 1.86 | 4.87 | 2.23 | 1.40 | 1.33 | 1.53 |
| Margen Bruto | 71.2% | 78.2% | 83.5% | 74.1% | 82.7% | 89.8% | 85.5% | 59.1% | 55.0% | 52.6% |
| Margen Operativo | 16.4% | 32.7% | 38.3% | 31.4% | 36.2% | 45.5% | 33.7% | 26.5% | 19.7% | 19.3% |
| Margen Neto | 10.2% | 17.2% | 26.6% | 21.5% | 24.7% | 30.7% | 20.7% | 19.2% | 13.5% | 13.5% |
Empresas relacionadas: AMTB · BFST · CCBG · CCNE · HBNC · HTB · MBWM
Explorar sector: Financial Services · Banks - Regional
Más secciones de MCB: Resumen · Valoración · Estadísticas · Estimaciones · Técnico · Propiedad · Noticias · Eventos
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