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Metro Bank PLC (MTRO.L)

GBp167.80 -1.60 (-0.94%)
GB LSE Financial Services Banks - Regional
Address One Southampton Row WC1B 5HA
London, GB
CEO Daniel Sweeney Frumkin
IPO 2016-03-07
ISIN GB00BMX3W479

Explore sections of this company profile

Also trades on London Stock Exchange · MTRO.L (GBp) Other OTC · MBNKF (USD)
Description

Operating across the United Kingdom, Metro Bank PLC and its associated entities offer a comprehensive suite of financial services, catering to both individual and business clients. For individual customers, the bank delivers a diverse range of personal banking solutions, including checking, cash, and savings accounts, along with home loans, credit cards, and personal financing options. Additionally, it provides unique offerings such as pet insurance and secure safe deposit box facilities. On the commercial front, Metro Bank supports enterprises with various banking products, encompassing business, commercial, and community current accounts, foreign currency accounts, and specialized accounts for insolvency practitioners. Deposit options range from instant access and fixed-term accounts for businesses and communities to notice accounts, premium client deposits, and flexible client term deposits, alongside business loan calculation tools. Funding solutions include business and commercial loans, overdraft facilities, asset and invoice financing, and participation in government-backed schemes like the Bounce Back Loan and Recovery Loan Scheme. Furthermore, the bank extends private banking services, featuring exclusive private bank accounts, specialized savings and foreign currency accounts, and robust money management tools. It also facilitates partnership loans, overdrafts, unsecured consumer credit, automotive financing, and digital lending solutions specifically designed for small and medium-sized enterprises (SMEs). Established in 2007, Metro Bank PLC maintains its corporate headquarters in London, UK.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
GBp167.80 -1.60 (-0.94%)
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Volume Profile
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Liquidity & share structure
Average Volume
1M
Beta
1.09
Float Shares
296.08M
Free Float %
44.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+4.11% +11.23% +15.55% +38.59% +62.64% +42.95% +49.91% +71.54% +55.88% -92.34% -91.98%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
167.80
DCF (Unlevered) 1,540.75 +818.2%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 33% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 0 0
Hold 1 0
Sell 0 0
Strong Sell 1 0
Quality scores
Altman Z-Score
0.38
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    -10.4% Q4'25: +25.3% (vs Q4'23)
  • EPS growth
    +22.2% Q4'25: -49.5% (vs Q4'23)
  • FCF margin
    Q4'25: +3.7% (vs Q4'23)
  • EBIT margin
    Q4'25: +10.3% (vs Q4'23)
  • ROIC
    Q4'25: +24.5% (vs Q4'23)
  • Share dilution
    +0.9% Q4'25: +159.0% (vs Q4'23)
  • Debt / EBITDA
    Q4'25: 3.74× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.05) × ERP
WACC = 43% × Ke + 57% × Kd (16.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 1,540.75 Current price: 167.80
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
2 Rev. Ana.
2 EPS Ana.
Dec 2027
2 Rev. Ana.
2 EPS Ana.
Dec 2028
2 Rev. Ana.
2 EPS Ana.
Dec 2029
1 Rev. Ana.
1 EPS Ana.
Dec 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
190.40M
est: 195.00M (-2.4%)
285.60M
est: 296.07M (-3.5%)
396.10M
est: 407.09M (-2.7%)
403.90M
est: 414.54M (-2.6%)
300.60M
est: 344.33M (-12.7%)
392.80M
est: 365.24M (+7.5%)
483.60M
est: 515.47M (-6.2%)
615.70M
est: 570.50M (+7.9%)
962.80M
est: 501.25M (+92.1%)
862.60M
est: 589.00M (+46.5%)
659.00M
654.16M – 663.84M
+11.9% YoY
769.50M
759.00M – 780.00M
+16.8% YoY
881.00M
874.52M – 887.48M
+14.5% YoY
1.00B
994.63M – 1.01B
+13.7% YoY
1.11B
1.10B – 1.12B
+10.7% YoY
EBITDA
157.18M
est: 140.62M (+11.8%)
246.43M
est: 98.12M (+151.1%)
385.10M
est: 153.60M (+150.7%)
367.20M
est: 205.43M (+78.7%)
257.40M
est: 113.36M (+127.1%)
352.60M
est: 129.46M (+172.4%)
445.40M
est: 143.86M (+209.6%)
573.10M
est: 333.41M (+71.9%)
est: 294.06M (-100.0%)
148.90M
est: 344.22M (-56.7%)
385.13M
382.30M – 387.96M
+11.9% YoY
449.71M
443.57M – 455.85M
+16.8% YoY
514.87M
511.09M – 518.66M
+14.5% YoY
585.59M
581.28M – 589.89M
+13.7% YoY
648.12M
643.36M – 652.88M
+10.7% YoY
EBIT
134.80M
est: 111.95M (+20.4%)
213.00M
est: -26.19M (+913.2%)
340.10M
est: 25.37M (+1,240.6%)
291.20M
est: 41.72M (+597.9%)
183.40M
est: -111.23M (+264.9%)
272.60M
est: -127.03M (+314.6%)
368.40M
est: -141.16M (+361.0%)
495.40M
est: 269.44M (+83.9%)
est: 237.65M (-100.0%)
87.20M
est: 278.18M (-68.7%)
311.24M
308.96M – 313.53M
+11.9% YoY
363.43M
358.47M – 368.39M
+16.8% YoY
416.09M
413.03M – 419.15M
+14.5% YoY
473.24M
469.76M – 476.72M
+13.7% YoY
523.78M
519.93M – 527.63M
+10.7% YoY
Net Income
-16.75M
est: -116.59M (+85.6%)
10.79M
est: -25.51M (+142.3%)
27.10M
est: 14.66M (+84.9%)
-182.60M
est: 27.85M (-755.7%)
-301.70M
est: -155.29M (-94.3%)
-248.20M
est: -177.34M (-40.0%)
-72.70M
est: 1.70M (-4,376.5%)
29.50M
est: -23.91M (+223.4%)
42.50M
est: -19.36M (+319.5%)
69.70M
est: 52.40M (+33.0%)
88.22M
83.23M – 93.22M
+68.4% YoY
158.29M
150.33M – 166.26M
+79.4% YoY
220.00M
211.15M – 228.86M
+39.0% YoY
301.06M
298.19M – 303.93M
+36.8% YoY
367.13M
363.62M – 370.64M
+21.9% YoY
SGA
55.60M
est: 53.11M (+4.7%)
72.60M
est: 80.64M (-10.0%)
56.00M
est: 373.68M (-85.0%)
112.70M
est: 373.55M (-69.8%)
117.20M
est: 93.79M (+25.0%)
120.20M
est: 99.48M (+20.8%)
115.20M
est: 140.40M (-17.9%)
120.30M
est: 141.06M (-14.7%)
223.70M
est: 123.94M (+80.5%)
228.00M
est: 145.63M (+56.6%)
162.94M
161.74M – 164.14M
+11.9% YoY
190.26M
187.67M – 192.86M
+16.8% YoY
217.83M
216.23M – 219.43M
+14.5% YoY
247.75M
245.93M – 249.57M
+13.7% YoY
274.20M
272.19M – 276.22M
+10.7% YoY
EPS
-0.22
est: -0.17 (-27.4%)
0.13
est: 0.20 (-35.4%)
0.29
est: 0.46 (-36.5%)
-1.24
est: 0.04 (-3,449.5%)
-1.75
est: -1.57 (-11.2%)
-1.44
est: -1.19 (-21.1%)
-0.42
est: -0.35 (-20.9%)
0.14
est: -0.04 (+498.8%)
0.06
est: -0.03 (+322.3%)
0.08
est: 0.07 (+12.8%)
0.13
0.12 – 0.14
+84.8% YoY
0.23
0.22 – 0.24
+79.2% YoY
0.32
0.31 – 0.34
+41.4% YoY
0.44
0.44 – 0.45
+36.8% YoY
0.54
0.53 – 0.54
+21.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B- 2/5 3/5 2/5 2/5 1/5 2/5 4/5
2026-05-28 B- 2/5 3/5 2/5 2/5 1/5 2/5 4/5
2026-05-27 B- 2/5 3/5 2/5 2/5 1/5 2/5 4/5
2026-05-26 B- 2/5 3/5 2/5 2/5 1/5 2/5 4/5
2026-05-22 B- 2/5 3/5 2/5 2/5 1/5 2/5 4/5
2026-05-21 B- 2/5 3/5 2/5 2/5 1/5 2/5 4/5
2026-05-20 B- 2/5 3/5 2/5 2/5 1/5 2/5 4/5
2026-05-19 B- 3/5 3/5 2/5 3/5 1/5 2/5 4/5
2026-05-18 B- 3/5 3/5 2/5 3/5 1/5 2/5 4/5
2026-05-15 B- 3/5 3/5 2/5 3/5 1/5 2/5 4/5
2026-05-14 B- 3/5 3/5 2/5 3/5 1/5 2/5 4/5
2026-05-13 B- 3/5 3/5 2/5 2/5 2/5 2/5 4/5
2026-05-12 B- 3/5 3/5 2/5 2/5 2/5 2/5 4/5
2026-05-11 B- 2/5 3/5 2/5 2/5 1/5 2/5 4/5
2026-05-08 B- 3/5 2/5 2/5 3/5 2/5 2/5 4/5
2026-05-07 B- 3/5 2/5 2/5 3/5 2/5 2/5 4/5
2026-05-06 B- 3/5 2/5 2/5 3/5 2/5 2/5 4/5
2026-05-05 B 3/5 2/5 2/5 3/5 2/5 3/5 4/5
2026-05-01 B 3/5 3/5 2/5 3/5 1/5 3/5 4/5
2026-04-30 B 3/5 3/5 2/5 3/5 1/5 3/5 4/5
2026-04-29 B 3/5 3/5 2/5 3/5 1/5 3/5 4/5
2026-04-28 B 3/5 3/5 2/5 3/5 1/5 3/5 4/5
2026-04-27 B 3/5 3/5 2/5 3/5 1/5 3/5 4/5
2026-04-24 B 3/5 3/5 2/5 3/5 1/5 3/5 4/5
2026-04-23 B+ 3/5 3/5 3/5 4/5 1/5 3/5 4/5
2026-04-22 B+ 3/5 3/5 3/5 4/5 1/5 3/5 4/5
2026-04-21 B+ 3/5 3/5 3/5 4/5 1/5 3/5 4/5
2026-04-20 B+ 3/5 3/5 3/5 4/5 1/5 3/5 4/5
2026-04-17 B+ 3/5 3/5 3/5 4/5 1/5 3/5 4/5
2026-04-16 B+ 3/5 3/5 3/5 4/5 1/5 3/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-1.78B
OE per share TTM
-2.62
Owner's Yield
-153.33%
Maintenance CapEx ratio
246.62%
Maint CapEx / Avg PPE
131.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 26 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Xtrackers FTSE 250 UCITS ETF 1D XMCX.L 0.17% 66.4K 0.15%
2 HSBC FTSE 250 UCITS ETF HMCX.L 0.17% 115.6K 0.09%
3 Invesco FTSE 250 UCITS ETF S250.L 0.17% 60.2K 0.12%
4 iShares FTSE 250 UCITS ETF MIDD.L 0.17% 1.42M 0.40%
5 Vanguard FTSE 250 UCITS ETF VMIG.MI 0.17% 4.41M 0.10%
6 Vanguard FTSE 250 UCITS ETF (GBP) Distributing VMID.DE 0.17% 4.41M 0.10%
7 iShares MSCI United Kingdom Small-Cap ETF EWUS 0.15% 60.3K 0.59%
8 iShares MSCI UK Small Cap UCITS ETF CUKS.L 0.15% 188.1K 0.58%
9 State Street SPDR MSCI Europe Small Cap Value Weighted UCITS ETF EUR Acc ZPRX.DE 0.08% 639.3K 0.30%
10 Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Acc CEM.PA 0.07% 227.3K 0.23%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
25.3K
Shares Outstanding
673.42M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Daniel Sweeney Frumkin Chief Executive Officer & Director 2M male
Marc Stephen Page Chief Financial Officer & Director 1M male
Cristina Alba Ochoa Executive Director 487.1K female
Faisal Hussain Chief Operating Officer male
Kathy Newman Chief Internal Auditor female
Kirsten McLeod Chief Risk Officer female
Rachel Duncan Chief People Officer female
Aisling Kane Managing Director of Retail & Business Banking female
Rodrigo Chaparro Gazzo Chief Customer Officer male
Andy Veares Managing Director of Corporate & Commercial male
Danielle Lee Director of Brand & Marketing female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits