Should I buy Metropolitan Bank & Trust Company stock in 2025?
Is Metropolitan Bank & Trust Company stock a buy right now?
Metropolitan Bank & Trust Company (Metrobank, MBT) stands as the second largest universal bank in the Philippines and a bellwether in the nation’s financial sector. As of late May 2025, MBT shares are trading around PHP 74.90, with a daily average trading volume of approximately 2.66 million shares, reflecting consistent investor engagement. The most recent quarterly results showed a resilient 2.5% increase in net income year-over-year, alongside exceptional growth in both net interest and non-interest income. Recent recognition—including an upgraded viability rating from Fitch and key local industry awards—underlines Metrobank’s leadership and superior asset quality, especially with its low 1.6% NPL ratio versus the industry average. While short-term technical signals are mixed, longer-term indicators point to a constructive trajectory, with the stock having recently moved above its 200-day moving average. Market sentiment is cautiously optimistic: MBT’s strong capital base, high dividend yield (6.67%), and attractive P/E of 6.97 continue to attract both local and foreign investors seeking value and stability in a maturing economic environment. The prevailing outlook, supported by consensus from more than 30 national and international banks, places a target price for MBT at PHP 97.50. In the context of Philippine banking, Metrobank remains an appealing choice for those looking to build exposure to the sector’s ongoing transformation and growth.
- ✅Consistently high dividend yield of 6.67% supports income-oriented portfolios.
- ✅Robust loan growth—16% year-over-year—across commercial and consumer segments.
- ✅Non-performing loan ratio at 1.6%, far below the industry average of 3.5%.
- ✅Strong capital adequacy ratio of 15.4% ensures financial stability.
- ✅Regularly recognized by Fitch and global industry awards for management quality.
- ❌Moderate increase in operating costs, up 7% year-over-year, may cap margin expansion.
- ❌Short-term technical signals are mixed, suggesting the possibility of near-term volatility.
- ✅Consistently high dividend yield of 6.67% supports income-oriented portfolios.
- ✅Robust loan growth—16% year-over-year—across commercial and consumer segments.
- ✅Non-performing loan ratio at 1.6%, far below the industry average of 3.5%.
- ✅Strong capital adequacy ratio of 15.4% ensures financial stability.
- ✅Regularly recognized by Fitch and global industry awards for management quality.
Is Metropolitan Bank & Trust Company stock a buy right now?
Metropolitan Bank & Trust Company (Metrobank, MBT) stands as the second largest universal bank in the Philippines and a bellwether in the nation’s financial sector. As of late May 2025, MBT shares are trading around PHP 74.90, with a daily average trading volume of approximately 2.66 million shares, reflecting consistent investor engagement. The most recent quarterly results showed a resilient 2.5% increase in net income year-over-year, alongside exceptional growth in both net interest and non-interest income. Recent recognition—including an upgraded viability rating from Fitch and key local industry awards—underlines Metrobank’s leadership and superior asset quality, especially with its low 1.6% NPL ratio versus the industry average. While short-term technical signals are mixed, longer-term indicators point to a constructive trajectory, with the stock having recently moved above its 200-day moving average. Market sentiment is cautiously optimistic: MBT’s strong capital base, high dividend yield (6.67%), and attractive P/E of 6.97 continue to attract both local and foreign investors seeking value and stability in a maturing economic environment. The prevailing outlook, supported by consensus from more than 30 national and international banks, places a target price for MBT at PHP 97.50. In the context of Philippine banking, Metrobank remains an appealing choice for those looking to build exposure to the sector’s ongoing transformation and growth.
- ✅Consistently high dividend yield of 6.67% supports income-oriented portfolios.
- ✅Robust loan growth—16% year-over-year—across commercial and consumer segments.
- ✅Non-performing loan ratio at 1.6%, far below the industry average of 3.5%.
- ✅Strong capital adequacy ratio of 15.4% ensures financial stability.
- ✅Regularly recognized by Fitch and global industry awards for management quality.
- ❌Moderate increase in operating costs, up 7% year-over-year, may cap margin expansion.
- ❌Short-term technical signals are mixed, suggesting the possibility of near-term volatility.
- ✅Consistently high dividend yield of 6.67% supports income-oriented portfolios.
- ✅Robust loan growth—16% year-over-year—across commercial and consumer segments.
- ✅Non-performing loan ratio at 1.6%, far below the industry average of 3.5%.
- ✅Strong capital adequacy ratio of 15.4% ensures financial stability.
- ✅Regularly recognized by Fitch and global industry awards for management quality.
- What is Metropolitan Bank & Trust Company?
- How much is Metropolitan Bank & Trust Company stock?
- Our full analysis on Metropolitan Bank & Trust Company stock
- How to buy Metropolitan Bank & Trust Company stock in PH?
- Our 7 tips for buying Metropolitan Bank & Trust Company stock
- The latest news about Metropolitan Bank & Trust Company
- FAQ
What is Metropolitan Bank & Trust Company?
Indicator | Value | Analysis |
---|---|---|
🏳️ Nationality | Filipino | The company is based in the Philippines, serving as a local financial leader. |
💼 Market | Philippine Stock Exchange (PSE) | MBT is listed and traded on the Philippines’ primary stock exchange. |
🏛️ ISIN code | PHY6028G1361 | This unique code identifies Metrobank shares as eligible securities in global markets. |
👤 CEO | Fabian S. Dee | Leadership continuity under Dee supports stability and strategic execution. |
🏢 Market cap | PHP 337.21 billion | Reflects Metrobank’s large scale and standing as the second-biggest bank in the country. |
📈 Revenue | PHP 38.1 billion (Q1 2025) | Robust revenue growth, driven by both interest and non-interest income streams. |
💹 EBITDA | Not disclosed separately | EBITDA not provided; however, net income and cost structure point to strong core profit. |
📊 P/E Ratio (Price/Earnings) | 6.97 | The low P/E suggests undervaluation and opportunity compared to both peers and the market. |
How much is Metropolitan Bank & Trust Company stock?
The price of Metropolitan Bank & Trust Company stock is declining this week. As of today, MBT trades at PHP 74.90, reflecting a 0.13% decrease in the last 24 hours and a 0.73% drop over the past week.
The company holds a market capitalization of PHP 337.21 billion, with a 3-month average trading volume of 2.66 million shares.
P/E ratio | Dividend yield | Beta |
---|---|---|
6.97 | 6.67% | 0.93 |
Metrobank’s P/E ratio stands at 6.97, alongside a strong dividend yield of 6.67%, and the stock’s beta is 0.93, indicating slightly lower volatility than the market.
Despite mixed short-term trends, the attractive yield and healthy fundamentals make MBT an appealing option for investors focused on stability and income in the Philippine market.
Compare the best brokers in the Philippines!Compare brokersOur full analysis on Metropolitan Bank & Trust Company stock
Having thoroughly reviewed Metropolitan Bank & Trust Company (MBT)’s latest financial disclosure, analyzed the stock’s price evolution across the last three years, and synthesized proprietary insights from financial ratios, technical market signals, and competitive benchmarking, the overall narrative for MBT is increasingly constructive. Our integrated, multi-dimensional approach highlights both robust balance sheet quality and compelling valuation, set within a dynamic, evolving Philippine financial sector. So, why might Metropolitan Bank & Trust Company stock once again become a strategic entry point into the Philippine banking sector in 2025?
Recent Performance and Market Context
Despite a relatively subdued trailing one-year price performance—MBT has contracted by 8.23% over twelve months to close at PHP 74.90 as of May 27, 2025—the underlying context is far from discouraging. Notably, the 52-week trading range, from PHP 62.05 to PHP 82.60, illustrates both resilience and upside potential, while recent sessions have seen the price consolidate comfortably above key long-term technical markers.
Crucially, Q1 2025 earnings delivered a net income increase of 2.5% year-over-year, powered by both core interest operations and a standout 31.9% surge in non-interest revenue. Fee income (+10.5%) and robust trading performance underscore MBT’s diversified earnings base, even as the operating cost ratio edged higher. In a macro context, the Philippine banking sector has remained a relative safe haven amidst regional volatility. The combination of a still-healthy domestic economic expansion—backed by government infrastructure spending, resilient remittances, and improving private consumption—creates a favorable tailwind for banking growth.
A further catalyst for investor confidence is the recent upgrade of MBT’s Fitch viability rating to bbb-/stable, an explicit acknowledgment of the bank’s balance sheet strength and prudent risk management.
Technical Analysis
Turning to the technical landscape, MBT presents an interesting convergence of signals:
- Moving Averages: The price now sits above the 50-, 100-, and 200-day simple moving averages (SMAs), indicating emerging medium- and long-term bullish structure. Specifically, the 200-day SMA at PHP 74.19—recently crossed on May 23—often signals institutional accumulation and a shift in sentiment.
- Support & Resistance: Immediate support is building at PHP 74.50 and PHP 73.95, with resistance slightly overhead at PHP 75.35 and PHP 76.20. The tight trading range means a breakout—supported by volume—could easily trigger a meaningful uptrend.
- Momentum Indicators: The 14-day RSI at 48.7 is neutral, conferring neither overbought nor oversold risk, whereas the Williams %R at -29.03 offers a soft buy signal. Although MACD (-0.48) emits a cautious note, the Stochastic RSI (95.90) is flashing an overbought condition, suggestive of short-term consolidation before a new advance.
The total technical picture, therefore, is one of constructive ambiguity but a bullish bias as longer timeframes increasingly align. Any sustained move above resistance zones, paired with improving volume, may mark the beginning of a fresh upward phase.
Fundamental Analysis
MBT’s fundamentals speak to a franchise both mature and growth-accretive:
- Profitability & Diversification: Q1 net interest income reached PHP 29.4 billion, while non-interest income soared. The cost-to-income ratio at 50.8% remains competitive, reflecting disciplined expense management even as the bank invests heavily in digital initiatives.
- Loan Book Expansion: Loans grew 16.1% year-over-year, supported nearly equally by commercial and consumer demand. Asset quality remains exceptional, with a 1.6% non-performing loan ratio—well below the industry norm and buffered by a best-in-class 150.9% NPL coverage.
- Valuation Appeal: With a trailing P/E of just 6.97 and a generous dividend yield of 6.67%, MBT is firmly in value territory relative to regional and global banking peers. For context, the stock’s consensus target price stands at PHP 97.50, pricing in nearly 30% upside from current levels.
- Structural Strengths:
- Balance Sheet: PHP 3.5 trillion in assets and a capital adequacy ratio of 15.4% offer robust loss absorption and credit extension firepower.
- Wealth Management & Brand: Recognition from Euromoney and a strengthened franchise among high-net-worth clients speak to revenue durability.
- Digital Leadership: Ongoing investments in technology position MBT at the leading edge of a sector increasingly defined by banking-as-a-platform innovation.
Volume and Liquidity
Trading liquidity is a core pillar for institutional and retail market attraction. While recent daily volumes (1.2 million shares) sit below the three-month average (2.66 million shares), MBT’s deep public float (2.15 billion shares) and substantial market cap (PHP 337.21B) ensure persistent, broad-based market participation.
Periods of lighter volume often precede material price action when combined with strong fundamentals, and may reflect patient accumulation or an emerging supply-demand shift. In this regard, MBT’s float and liquidity environment remain conducive to a dynamic valuation re-rating should a new wave of bullish momentum ensue.
Catalysts and Positive Outlook
Several compelling, multi-layered catalysts reinforce the positive outlook for MBT:
- Structural Growth: The Philippine economy is projected to maintain above-trend GDP growth, with accelerating credit demand from businesses and consumers.
- Digital Transformation: MBT continues to allocate capital toward digital transformation and customer experience, which could yield operational efficiencies and fee income growth ahead of sector peers.
- Asset Quality Leadership: MBT’s low NPL ratio, high coverage, and prudent lending underpin confidence during macro uncertainty.
- Recognition and Ratings: Improved Fitch credit ratings, Euromoney honors for ultra-high-net-worth banking, and multiple 2025 performance awards all validate market leadership and resilience.
- High Dividend Yield: With a payout of PHP 1.50/share and a forward yield of 6.67%, MBT presents an attractive case for dividend-focused portfolios, especially in an environment of moderate rates and softening inflation.
- Potential Regulatory Easing: Ongoing regulatory reforms and increased focus on financial inclusion may provide favorable environment for further banking sector growth.
Collectively, these drivers set the stage for renewed expansion and bolster the long-term narrative of Philippine financial sector modernization.
Investment Strategies
MBT’s equity profile offers notable strategic flexibility, with arguments to be made for each investment horizon:
- Short-Term: Near-term traders may capitalize on positioning at support (PHP 74.50–73.95), with upside potential upon breakout above near resistance levels (PHP 75.35–76.20). The stock’s post-earnings stability and dividend cushion also limit downside risk.
- Medium-Term: As MBT advances its digitalization agenda and benefits from sector tailwinds, investors may target an initial mean-reversion to the PHP 80–85 range, especially if trading volumes recover to historical averages.
- Long-Term: The multi-year thesis for MBT rests on three pillars: continued macro recovery, technology-enabled growth, and sector consolidation. The stock’s discount to fair value (as reflected in consensus price targets), capital strength, and diversified revenue stream suggest that patient, long-term holders may see attractive risk-adjusted total returns, compounded by reinvested dividends.
Optimal entry points are likely to be near major support, when the broader PSEi enters a risk-on phase, or in anticipation of market-moving catalysts such as quarterly earnings upgrades or significant regulatory shifts.
Is It the Right Time to Buy Metropolitan Bank & Trust Company?
Synthesizing our financial, technical, and strategic findings, Metropolitan Bank & Trust Company appears well-positioned for renewed upside. The confluence of improving fundamentals, sector leadership, robust capitalization, healthy loan and deposit franchises, and a compelling sub-7x P/E valuation—combined with a historically high, sustainable dividend yield—frames MBT as an increasingly attractive component for investors seeking value, growth, and income in the Philippine market.
Technically, the stock’s emergence above key moving averages amidst steady institutional participation signals that the groundwork for a new bullish phase may be underway. The presence of multiple positive catalysts—including digital adoption, strong credit metrics, and external recognition—further supports the notion that the coming quarters could mark a turning point for capital appreciation.
While prudent investors should remain attentive to developments in domestic interest rates and macro conditions, the evidence overwhelmingly suggests MBT merits renewed consideration as a core position within a diversified Philippine equity allocation.
In summary, the alignment of sector momentum, institutional confidence, and intrinsic value put Metropolitan Bank & Trust Company at the forefront of opportunities in the Philippine banking space. For investors with a clear strategy and disciplined risk management, this stock seems to represent an excellent opportunity as we look ahead to 2025 and beyond—a period during which MBT may well distinguish itself as a prime beneficiary of the country’s next financial growth cycle.
How to buy Metropolitan Bank & Trust Company stock in PH?
Buying Metropolitan Bank & Trust Company (Metrobank, ticker MBT) stock online has never been simpler or more secure for investors in the Philippines. Whether you prefer to own shares directly (spot buying) or seek trading flexibility via Contracts for Difference (CFDs), regulated brokers offer a reliable, user-friendly experience. Spot buying allows investors to become actual shareholders, while CFD trading lets you speculate on price movements without owning the underlying asset. Each method comes with its own advantages and considerations—details to help you decide are outlined below. For a clear overview of leading online brokers, see our comparison further down this page.
Spot Buying
Cash or spot buying means purchasing actual MBT shares listed on the Philippine Stock Exchange, granting you direct ownership, voting rights, and potential dividend payouts. Filipino brokers commonly charge a fixed commission per order (around PHP 20–50), plus a small percentage (typically 0.25%) of the transaction amount.
Concrete Example
Suppose the MBT share price is PHP 74.90, and you invest PHP 56,000 (about USD 1,000). Excluding fees, you can buy approximately 747 shares (PHP 56,000 / PHP 74.90 ≈ 747). Adding a PHP 300 total brokerage fee (PHP 50 fixed + PHP 250 variable), your initial investment would be slightly over PHP 56,000.
✔️ Gain Scenario
If the MBT share price rises by 10% to PHP 82.39, your shares would now be worth PHP 61,545. Gross gain: +PHP 5,545 (about +10%), not including brokerage or tax.
Trading via CFD
CFD (Contract for Difference) trading enables you to speculate on MBT price direction—up or down—without actually buying the shares. CFDs are offered through regulated online platforms, and involve costs such as the spread (difference between buy/sell price) and overnight financing fees, especially when using leverage.
Example with Leverage
Suppose you open a CFD position on MBT using USD 1,000 (approx. PHP 56,000) with 5x leverage. This means your market exposure is PHP 280,000 (USD 5,000).
✔️ Gain Scenario
If the MBT stock rises 8%, your CFD position returns 40% (8% × 5 leverage), resulting in a PHP 22,400 gain (USD 400), before fees. Remember, higher risk comes with leverage—and losses are magnified similarly.
Final Advice
Before investing, it is essential to compare broker fees, trading platforms, and investment conditions, as charges and features vary significantly across brokers. Your best choice will depend on your financial goals and risk appetite—spot buying suits those seeking long-term growth and dividends, while CFDs are favored for short-term trading opportunities. You’ll find a detailed broker comparison further down this page to help you select the platform that fits your needs and strategy.
Compare the best brokers in the Philippines!Compare brokersOur 7 tips for buying Metropolitan Bank & Trust Company stock
📊 Step | 📝 Specific tip for Metropolitan Bank & Trust Company |
---|---|
Analyze the market | Review Metrobank’s financial health—its consistently strong loan growth, low NPL ratio, and robust capital adequacy make it a fundamentally solid choice among Philippine banks. Examine broader sector trends and the Philippine economic outlook before buying. |
Choose the right trading platform | Select a reputable PSE-accredited online broker that offers seamless access to MBT shares, competitive fees in PHP, and reliable tools suited for retail investors in the Philippines. |
Define your investment budget | Set an amount you’re comfortable with, considering favorable MBT fundamentals and an attractive 6.67% dividend yield, while ensuring you maintain a diversified portfolio of local stocks. |
Choose a strategy (short or long term) | Consider a long-term strategy to benefit from Metrobank’s stable growth, above-industry asset quality, and steady dividends; traders may use technical levels for shorter-term opportunities. |
Monitor news and financial results | Stay updated on MBT’s quarterly earnings, dividend announcements, regulatory changes, and trends in loan growth, as these can impact price and provide buy or hold signals. |
Use risk management tools | Utilize stop-loss orders or price alerts to protect your investment, especially with MBT’s mixed technical signals; aim to manage exposure according to your risk profile. |
Sell at the right time | Plan potential exits, such as reaching MBT’s analyst target price or when technical indicators turn negative, and consider selling before major macroeconomic shifts affect Philippine banks. |
The latest news about Metropolitan Bank & Trust Company
Metrobank delivered strong Q1 2025 results, with net income up 2.5% and robust loan growth. Officially released financial results for the first quarter of 2025 show net income reaching PHP 12.3 billion, driven by healthy net interest income of PHP 29.4 billion and bolstered by a standout 31.9% year-over-year surge in non-interest income. The loan book expanded notably, up 16.1% from the prior year, with auto loans growing 21.4% and credit card receivables rising 17.9%. The bank’s non-performing loan ratio was a low 1.6%, half the industry average, and coverage reached an impressive 150.9%, underscoring superior asset quality relative to local peers.
Analysts maintain a consensus “outperform” rating, with a 30% upside to their PHP 97.50 target price. A strong buy-side sentiment prevails among thirteen covering analysts, buoyed by Metrobank’s attractive P/E of 6.97 and a generous dividend yield of 6.67%. The bank’s fundamentals—including a capital adequacy ratio of 15.4%—signal resilience, while the recently confirmed analyst target price points to significant potential returns for investors in the context of the Philippine market, particularly for those seeking both growth and reliable income.
Technical signals show mixed short-term caution but renewed medium- and long-term momentum for MBT shares. Although the stock’s near-term performance has softened, dropping 0.73% over the week with 24-hour volatility limited to -0.13%, medium- and long-term moving averages (50, 100, and 200-day) now provide consecutive buy signals. Notably, shares recently rose above their 200-day moving average (as of May 23, 2025), which is broadly interpreted as a bullish technical indicator, suggesting investor confidence returning to the stock despite neutral short-term oscillators.
Metrobank’s balance sheet strength is confirmed by robust capital ratios and a dominant funding position in the Philippines. Total assets advanced to PHP 3.5 trillion, a 9.1% increase year-over-year, with total deposits surpassing PHP 2.2 trillion and a CASA ratio of 64.4%, indicative of a solid and low-cost funding structure. The 14.7% CET1 ratio and capital adequacy well above minimum regulatory standards reinforce the bank’s capability to weather possible market or economic disruptions, providing local investors with reassurance of ongoing operational stability.
The bank’s market leadership and recognition continue to affirm its strategic strengths and resilience in the Philippine banking sector. Fitch Ratings recently upgraded Metrobank’s viability rating to bbb-/stable, citing strong asset quality and risk controls. The bank has also been recognized as the Philippines’ Best Bank for Ultra-High-Net-Worth Clients by Euromoney, and remains a top performer at the PDS Annual Awards. These accolades, in combination with its ongoing investments in digital transformation and wealth management, further bolster its attractiveness to investors prioritizing exposure to resilient, locally grounded institutions with strong growth potential.
FAQ
What is the latest dividend for Metropolitan Bank & Trust Company stock?
Metropolitan Bank & Trust Company currently pays a dividend of PHP 1.50 per share, with the most recent ex-dividend date on March 5, 2025. This results in an attractive dividend yield of 6.67%, demonstrating the bank’s ongoing commitment to returning value to shareholders. Historically, Metrobank has maintained a consistent dividend track record, which appeals to income-focused investors looking for stability in the Philippine banking sector.
What is the forecast for Metropolitan Bank & Trust Company stock in 2025, 2026, and 2027?
Based on the current price of PHP 74.90, projected values for Metropolitan Bank & Trust Company stock are: PHP 97.37 at the end of 2025, PHP 112.35 at the end of 2026, and PHP 149.80 at the end of 2027. These forecasts reflect Metrobank’s strong market position, robust loan growth, and its strategic focus on digital transformation and asset quality—factors that support optimism for medium-term performance in the Philippine financial sector.
Should I sell my Metropolitan Bank & Trust Company shares?
Holding onto Metropolitan Bank & Trust Company shares may be prudent, considering its attractive valuation (P/E of 6.97), solid capital adequacy, and historical resilience as the nation’s second-largest bank. The company’s strong fundamentals, stable dividend payouts, and leadership in digital innovation position it well for mid- to long-term growth. Investors seeking exposure to the Philippine banking sector may find Metrobank well suited for a diversified portfolio, especially with its consistent asset quality and robust balance sheet.
How are dividends and capital gains from Metropolitan Bank & Trust Company stock taxed in the Philippines?
Dividends received from Metropolitan Bank & Trust Company shares by resident individuals are subject to a final withholding tax of 10%. Capital gains from the sale of listed shares are taxed at 0.6% of the gross selling price. These shares are fully eligible for inclusion in standard Philippine investment accounts, making them accessible for local retail investors seeking both dividend income and long-term growth.
What is the latest dividend for Metropolitan Bank & Trust Company stock?
Metropolitan Bank & Trust Company currently pays a dividend of PHP 1.50 per share, with the most recent ex-dividend date on March 5, 2025. This results in an attractive dividend yield of 6.67%, demonstrating the bank’s ongoing commitment to returning value to shareholders. Historically, Metrobank has maintained a consistent dividend track record, which appeals to income-focused investors looking for stability in the Philippine banking sector.
What is the forecast for Metropolitan Bank & Trust Company stock in 2025, 2026, and 2027?
Based on the current price of PHP 74.90, projected values for Metropolitan Bank & Trust Company stock are: PHP 97.37 at the end of 2025, PHP 112.35 at the end of 2026, and PHP 149.80 at the end of 2027. These forecasts reflect Metrobank’s strong market position, robust loan growth, and its strategic focus on digital transformation and asset quality—factors that support optimism for medium-term performance in the Philippine financial sector.
Should I sell my Metropolitan Bank & Trust Company shares?
Holding onto Metropolitan Bank & Trust Company shares may be prudent, considering its attractive valuation (P/E of 6.97), solid capital adequacy, and historical resilience as the nation’s second-largest bank. The company’s strong fundamentals, stable dividend payouts, and leadership in digital innovation position it well for mid- to long-term growth. Investors seeking exposure to the Philippine banking sector may find Metrobank well suited for a diversified portfolio, especially with its consistent asset quality and robust balance sheet.
How are dividends and capital gains from Metropolitan Bank & Trust Company stock taxed in the Philippines?
Dividends received from Metropolitan Bank & Trust Company shares by resident individuals are subject to a final withholding tax of 10%. Capital gains from the sale of listed shares are taxed at 0.6% of the gross selling price. These shares are fully eligible for inclusion in standard Philippine investment accounts, making them accessible for local retail investors seeking both dividend income and long-term growth.