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US Metro Bancorp, Inc. (USMT)

USD5.71 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 9866 Garden Grove Boulevard 92844
Garden Grove, CA, US
CEO Dong Il Kim
IPO 2007-03-19
ISIN US91741U1060

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Description

US Metro Bancorp, Inc. serves as the holding company for US Metro Bank, offering a comprehensive suite of banking services to both commercial enterprises and individual clients. The bank's deposit solutions include checking, savings, money market, and certificate of deposit accounts, in addition to treasury management services. It also extends various lending products such as real estate loans, business term loans, lines of credit, Small Business Administration (SBA) loans, and specialized financing for construction and warehouse facilities. Complementary services feature online and mobile banking, ATM access, telebanc features, wire transfers, safe deposit boxes, and debit cards. As of August 24, 2021, the company maintained five operational branches across Southern California, alongside loan production offices situated in Dallas, Seattle, New York, and Atlanta. Founded in 2006, US Metro Bancorp, Inc. is headquartered in Garden Grove, California.

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
USD5.71 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
2.3K
Beta
0.36
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.92% +3.77% -3.68% +5.97% +6.80% +30.95% +50.68% +50.68% +189.47% -47.62%
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
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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
5.71
DCF (Unlevered) 3.63 -36.4%
DCF (Levered) 4.85 -15.0%

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.

Quality scores
Altman Z-Score
0.11
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +11.7% Q1'26: +23.9% (vs Q1'25)
  • EPS growth
    +72.1% Q1'26: +50.0% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +19.2% (vs Q1'25)
  • ROIC
    Q1'26: +9.4% (vs Q1'25)
  • Share dilution
    -15.5% Q1'26: -7.6% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 1.12× (vs Q1'25)
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 (0.35) × ERP
WACC = 78% × Ke + 22% × Kd (171.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 3.63 Current price: 5.71
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

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

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 B+ 3/5 4/5 2/5 3/5 3/5 3/5 4/5
2026-05-22 B+ 3/5 4/5 2/5 3/5 3/5 3/5 4/5
2026-05-20 B+ 3/5 4/5 2/5 3/5 3/5 3/5 4/5
2026-05-18 B+ 3/5 4/5 2/5 3/5 3/5 3/5 4/5
2026-05-15 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-05-13 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-05-07 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-05-06 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-04-29 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-04-28 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-04-27 B+ 3/5 3/5 2/5 3/5 3/5 3/5 4/5
2026-04-20 B+ 3/5 4/5 2/5 4/5 2/5 3/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
708.4K
OE per share TTM
0.04
Owner's Yield
0.77%
Maintenance CapEx ratio
1.09%
Maint CapEx / Avg PPE
3.3%

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

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2004-03-24 Ranzini Family Trust Director / 10% Owner I Common Stock $1.00 par value 0 0.00 2,601,885
2004-03-24 RANZINI STEPHEN LANGE Director / Officer / 10% Owner J-Other A Common Stock, $1.00 par value 1,178,916 0.00 2,754,050
2004-03-24 LYRE LLC 10% Owner J-Other A Common Stock, $1.00 par value 1,800,045 0.00 2,601,885
2004-03-24 CROCKATT CLIFTON S Director / Officer / 10% Owner J-Other A Common Stock, $1.00 par value 1,800,045 0.00 2,751,885
2004-03-24 CCG PARTNERS LLC Director / 10% Owner J-Other A Common Stock, $1.00 par value 1,800,045 0.00 2,601,885
2004-03-24 AGRESTA DENNIS M Officer / 10% Owner J-Other A Common Stock, $1.00 par value 1,800,045 0.00 2,614,460
2003-12-31 CROCKATT CLIFTON S Director / Officer / 10% Owner 0 0.00 0
2003-12-11 RANZINI STEPHEN LANGE Director / Officer / 10% Owner I Common Stock, $1.00 par value 0 0.00 801,840
2003-12-11 LYRE LLC 10% Owner D Common Stock, $1.00 par value 0 0.00 801,840
2003-12-11 FORTSON NICHOLAS K Officer D Common stock, $1.00 par value 0 0.00 0
2003-12-11 CCG PARTNERS LLC Director / 10% Owner I Common Stock, $1.00 par value 0 0.00 801,840
2003-12-11 AGRESTA DENNIS M Officer / 10% Owner I Common Stock, $1.00 par value 0 0.00 801,840
1986-12-31 GUZIATEK RICHARD J Director D Common stock, $1.00 par value 0 0.00 500
1986-02-17 CROCKATT CLIFTON S Officer D Common stock, $1.00 par vale 0 0.00 0

Executive team

Top executives
EBIT / Employee
115.1K
Shares Outstanding
1.98M

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
Dong Il Kim President, Chief Executive Officer & Director 294.1K male
Cliff Sung Executive Vice President & Chief Credit Officer
Abraham Pak Senior Executive Vice President & Chief Operating Officer
Jeremy Johnson Executive Vice President & Chief Financial Officer male
Ryan Shin Executive Vice President & Chief Lending Officer male
Seung Hoon Kang Executive Vice President & CMO
Janette Mah Senior EVP & Chief Banking Officer 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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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits