10-K - Metropolitan Bank Holding Corp. | StockGist

AI Analysis

AI-generated analysis. Always verify with the original filing.

Metropolitan Bank Holding Corp. reported net income of $71.1 million for fiscal year 2025, driven by net interest income of $303.2 million and total non-interest income of $11.9 million. The company's total assets stood at $8.26 billion, with net loans of $6.71 billion and total deposits of $7.38 billion. Net cash provided by operating activities was $88.7 million, while investing activities used $763.0 million primarily for loan originations and securities purchases. Financing activities provided $867.6 million, largely from deposit growth and borrowings. The company maintained a strong capital position with total stockholders' equity of $743.1 million. Key performance indicators include basic and diluted earnings per share of $7.00.

Key Takeaways

1Net income of $71.1 million with basic and diluted EPS of $7.00 per share

2Total assets of $8.26 billion with net loans of $6.71 billion

3Net interest income of $303.2 million after $37.6 million provision for credit losses

4Total deposits of $7.38 billion with $1.48 billion noninterest-bearing demand deposits

5Operating cash flow of $88.7 million with $193.3 million increase in cash equivalents

Key Financial Metrics

EPS

$7.00

No prior year EPS provided

Net Income

$71.1M