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
Other Amortization	-	-	-	-	2.33	0.3
Gain (Loss) on Sale of Investments	-	-	-	-	-0.55	-3.33
Provision for Credit Losses	15.08	6.26	12.28	10.12	3.82	9.49
Change in Other Net Operating Assets	36.33	83.81	-61.16	2.58	-38.62	33
Other Operating Activities	-5.95	-5.78	-2.88	-3.78	-0.14	0.25
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%
Capital Expenditures	-4.83	-2.63	-5.75	-19.25	-4	-3.91
Investment in Securities	33.91	28.41	20.04	-96.14	-697.3	-17.2
Net Decrease (Increase) in Loans Originated / Sold - Investing	-762.95	-395.39	-789.74	-1,114	-601.7	-464.94
Other Investing Activities	-	-	-	-	-	-2.98
Investing Cash Flow	-733.88	-369.61	-775.45	-1,229	-1,303	-489.04
Short-Term Debt Issued	-	111	340	250	-	-
Total Debt Issued	20.93	111	340	250	-	-
Short-Term Debt Repaid	-	-200	-51	-	-	-144
Long-Term Debt Repaid	-	-0.14	-0.14	-49.45	-4.5	-6.01
Total Debt Repaid	-61.07	-200.14	-51.14	-49.45	-4.5	-150.01
Net Debt Issued (Repaid)	-40.15	-89.14	288.86	200.55	-4.5	-150.01
Issuance of Common Stock	-	-	-	0.19	162.69	-
Repurchase of Common Stock	-54.18	-4.58	-3.17	-1.56	-3.39	-0.88
Net Increase (Decrease) in Deposit Accounts	621.64	245.68	459.38	-1,158	2,606	1,028
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
Free Cash Flow	109.53	145.83	36.68	66.65	33.28	83.36
Free Cash Flow Growth	109.57%	297.60%	-44.97%	100.25%	-60.07%	159.52%
Free Cash Flow Margin	39.93%	53.88%	15.38%	27.13%	18.82%	62.94%
Free Cash Flow Per Share	9.81	12.96	3.29	5.95	3.59	9.93
Cash Interest Paid	214.2	215.38	151.4	31.6	16.25	18.69
Cash Income Tax Paid	30.91	34.8	36.17	35.3	24.17	19.09

Updated May 2, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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