Fact based stock research
Metropolitan Bank & Trust (PSE:MBT)

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For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

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Metropolitan Bank & Trust stock research in summary

metrobank.com.ph

ANALYSIS: With an Obermatt Combined Rank of 23 (worse than 77% compared with investment alternatives), Metropolitan Bank & Trust (Diversified Banks, Philippines) shares have lower financial characteristics compared with similar stocks. Shares of Metropolitan Bank & Trust are a good value (attractively priced) with a consolidated Value Rank of 77 (better than 77% of alternatives) but show below-average growth (Growth Rank of 45), and are riskily financed (Safety Rank of 3), which means above-average debt burdens. ...read more

RECOMMENDATION: A Combined Rank of 23, is a sell recommendation based on Metropolitan Bank & Trust's financial characteristics. As the company Metropolitan Bank & Trust's key financial metrics exhibit good value (Obermatt Value Rank of 77) but low growth (Obermatt Growth Rank of 45) and risky financing practices (Obermatt Safety Rank of 3), it may be a risky investment, because debt in times of crises can make things worse. The good value, better than 77% of comparable companies, may indicate the company's future is challenging. If you believe that low growth is temporary or just due to a specific current event, you may conclude that the good value of the stock provides an attractive investment opportunity. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	77
Growth Rank	45
Safety Rank	3
Combined Rank	23

Country	Philippines
Industry	Diversified Banks
Index
Size class	Large

5-Jun-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

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Review the performance ranks of the individual metrics that form each investment strategy.

Research History: Metropolitan Bank & Trust

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	67	95	86	77
GROWTH
GROWTH	59	15	65	45
SAFETY
SAFETY	81	69	8	3
SENTIMENT
SENTIMENT	59	73	87	^new
360° VIEW
360° VIEW	91	83	76	^new

Most recent update of the stock research: 5-Jun-2025. Financial reporting date used for calculating ranks: 30-Sep-2024. Stock research history is based on the Obermatt Method. The higher the rank, the better Metropolitan Bank & Trust is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	67	95	86	77
GROWTH
GROWTH	59	15	65	45
SAFETY
SAFETY	81	69	8	3
COMBINED
COMBINED	93	81	60	23

Last update of combined financial performance: 5-Jun-2025. Stock analysis on combined financial performance: The higher the rank of Metropolitan Bank & Trust the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 77 (better than 77% compared with alternatives) for 2025, Metropolitan Bank & Trust shares are significantly less expensive than comparable stocks. The Value Rank is based on consolidating four value indicators that are all above average for Metropolitan Bank & Trust. Price-to-Sales is 63 which means that the stock price compared with what market professionals expect for future sales is lower than for 63% of comparable companies, indicating a good value for Metropolitan Bank & Trust's revenue size. The same is valid for expected Price-to-Profits, more favorable than for 82% of alternatives, and this is also true for the Price-to-Book capital ratio (also referred to as market-to-book ratio) with a Price-to-Capital Rank of 74. Compared with other companies in the same industry, dividend yields of Metropolitan Bank & Trust are expected to be higher than for 63% of all competitors (a Dividend Yield rank of 63). ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 77, is a buy recommendation based on Metropolitan Bank & Trust's stock price compared with the company's operational size and dividend yields. Since all value metrics are above the industry average, there is no objection to investing in Metropolitan Bank & Trust based on its detailed value metrics. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	58	78	66	63
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	67	89	83	82
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	76	89	72	74
DIVIDEND YIELD
DIVIDEND YIELD	44	78	72	63
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	67	95	86	77

Last update of Value Rank: 5-Jun-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of Metropolitan Bank & Trust; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 45 (better than 45% compared with alternatives), Metropolitan Bank & Trust shows a below-average growth dynamic in its industry. There is limited momentum in this company. The Growth Rank is based on consolidating four value indicators, with all but one indicator above average for Metropolitan Bank & Trust. Sales Growth has a rank of 53 which means that currently, professionals expect the company to grow more than 53% of its competitors. Capital Growth is also above 34% of competitors with a rank of 52, and Stock Returns with the rank of 55 is also an outperformance. Only Profit Growth is low with a rank of 34 which means that currently, professionals expect the company to grow its profits less than 66% of its competitors. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 45, is a hold recommendation for growth and momentum investors. All three operating growth indicators, namely revenue, profit, and capital growth, are showing improvements. This is a good indication of a company with a positive future. That might, at the same time, be the simple reason why profit growth is low. A growing company needs money and thus can't yet show high profit growth. Look out for signs in corporate communication about extra growth efforts costing time and money. If that is the case, Metropolitan Bank & Trust is a good growth stock. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	32	39	33	53
PROFIT GROWTH
PROFIT GROWTH	69	75	74	34
CAPITAL GROWTH
CAPITAL GROWTH	55	13	35	52
STOCK RETURNS
STOCK RETURNS	73	17	79	55
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	59	15	65	45

Last update of Growth Rank: 5-Jun-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Metropolitan Bank & Trust.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 3 (better than 3% compared with alternatives), the company Metropolitan Bank & Trust has much riskier financing practices than comparable other companies, which means that their overall debt burden is significantly above the industry average. This doesn't mean that the business of Metropolitan Bank & Trust is also risky, it only means that the company is on the riskier side in respect to bankruptcy in case things turn sour, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, with all three metrics below average for Metropolitan Bank & Trust. Liquidity is at 46, meaning that the company generates less profit to service its debt than 54% of its competitors. This indicates that the company is on the riskier side when it comes to debt service. Even worse, Leverage is at a rank of 8, meaning the company has an above-average debt-to-equity ratio. It has more debt than 92% of its competitors. Finally, Refinancing is at a rank of 4 which means that the portion of the debt about to be refinanced is above average. It has more debt in the refinancing stage than 96% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 3 (worse than 97% compared with alternatives), Metropolitan Bank & Trust has a financing structure that is significantly riskier than that of its competitors. This combination is rather dangerous in most situations. Only very promising companies with bright future outlooks and stellar reputations can operate with such risky financing. Investors should look at Obermatt’s Value, Growth, and Sentiment Ranks to confirm a very positive outlook or be careful with investing in stocks of Metropolitan Bank & Trust because it may suffer significantly in case of future difficulties. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	90	98	24	8
REFINANCING
REFINANCING	16	12	9	4
LIQUIDITY
LIQUIDITY	78	63	50	46
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	81	69	8	3

Last update of Safety Rank: 5-Jun-2025. Stock analysis on safety metrics: The higher the rank, the lower the leverage of Metropolitan Bank & Trust and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	71	51	^new
OPINIONS CHANGE
OPINIONS CHANGE	58	39	50	^new
PRO HOLDINGS
PRO HOLDINGS	40	48	81	^new
MARKET PULSE
MARKET PULSE	74	88	93	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	59	73	87	^new

Last update of Sentiment Rank: 5-Jun-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Metropolitan Bank & Trust.
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