Metropolitan Bank Holding Corp. (MCB)

Metropolitan Bank Holding Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	68.81	66.69	77.27	59.43	60.56	39.47
Depreciation & Amortization	-9.09	-11.41	7.14	9.71	5.06	4.6
Provision for Credit Losses	15.08	6.26	12.28	10.12	3.82	9.49
Stock-Based Compensation	9.19	8.9	9.77	7.84	4.82	3.31
Other Adjustments	-3.15	-5.78	-2.88	-3.78	1.64	3.97
Changes in Accrued Interest and Accounts Receivable	-	87.65	-2.04	-45.74	-12.61	-15.68
Changes in Accounts Payable	-7.16	10.43	-28.69	43.18	-25.2	37.57
Changes in Other Operating Activities	-24.51	-14.27	-30.42	5.14	-0.82	11.11
Operating Cash Flow	114.36	148.46	42.43	85.89	37.28	87.27
Operating Cash Flow Growth	100.67%	249.93%	-50.60%	130.41%	-57.28%	124.02%
Net Change in Loans Held-for-Investment	-762.95	-395.39	-789.74	-1,114	-601.7	-464.94
Net Change in Securities and Investments	119.05	28.41	20.04	-100.14	-697.3	-17.2
Capital Expenditures	-4.83	-2.63	-5.75	-19.25	-4	-3.91
Other Investing Activities	-	-	-	-	-	-2.98
Investing Cash Flow	-733.88	-369.61	-775.45	-1,229	-1,303	-489.04
Net Change in Deposits	621.64	245.68	459.38	-1,158	2,606	1,028
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	111	-51	150	-	-
Long-Term Debt Issued	-100.14	-200.14	339.86	75.26	-4.5	-6.01
Long-Term Debt Repaid	-	-	-	-24.71	-	-144
Net Long-Term Debt Issued (Repaid)	-100.14	-200.14	339.86	50.55	-4.5	-150.01
Issuance of Common Stock	-	-	-	0.19	162.69	-
Repurchase of Common Stock	-3.66	-4.58	-3.17	-1.56	-3.39	-0.88
Net Common Stock Issued (Repurchased)	-3.66	-4.58	-3.17	-1.37	159.3	-0.88
Financing Cash Flow	527.31	151.96	745.07	-958.47	2,761	876.85
Net Cash Flow	-92.21	-69.2	12.05	-2,102	1,495	475.09
Ending Cash & Cash Equivalents	152.45	200.27	269.47	257.42	2,359	864.31
Free Cash Flow	109.53	145.83	36.68	66.65	33.28	83.36
Free Cash Flow Growth	-24.89%	297.60%	-44.97%	100.25%	-60.07%	159.52%
FCF Margin	39.93%	53.88%	15.38%	27.13%	18.82%	62.94%
Free Cash Flow Per Share	9.81	12.96	3.30	5.95	3.59	9.93
Levered Free Cash Flow	-76.93	-63.69	357.36	103.02	18.5	-76.85
Unlevered Free Cash Flow	-45.59	69.77	-59.76	-6.96	-37.55	33.69

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q