Should You Buy Metropolitan Bank & Trust Company (MBT) Stock in 2025?

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At HelloSafe, our expert has been tracking the performance of Metropolitan Bank & Trust Company for over three years. Every month, hundreds of thousands of users in the Philippines trust us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by Metropolitan Bank & Trust Company.

What is Metropolitan Bank & Trust Company?

What is the price of Metropolitan Bank & Trust Company stock?

The price of Metropolitan Bank & Trust Company stock is rising this week. Currently, the stock trades at PHP 73.80, reflecting a 24-hour increase of 0.14% (up PHP 0.10), while the weekly performance is slightly down at -0.73%. Metropolitan Bank & Trust Company boasts a market capitalization of PHP 331.91 billion, with an average daily volume of 2.66 million shares over the past three months. The P/E Ratio stands at 6.86, supported by a robust dividend yield of 6.78% and a low beta of 0.61. With its attractive valuation and low volatility, the stock offers promising investment potential for steady portfolio growth.

Our full analysis of the Metropolitan Bank & Trust Company stock

After an extensive review of Metropolitan Bank & Trust Company’s most recent financial statements and a close examination of its stock performance over the last three years, we have synthesized a variety of market intelligence. Leveraging financial indicators, technical signals, up-to-date market data, and peer comparisons—all run through our proprietary analytical algorithms—we aim to deliver actionable insights into this blue-chip Philippine financial leader. So, why might Metropolitan Bank & Trust Company stock once again become a strategic entry point into the rapidly evolving Philippine banking sector in 2025?

Recent performance and market context

Metropolitan Bank & Trust Company (MBT) has showcased notable resilience and steady growth even amidst global market uncertainties. The stock is currently trading at PHP 73.80, posting a 0.14% gain (PHP +0.10) over the last 24 hours and reflecting a modest -0.73% move for the week. Compared to its level a year ago, MBT is up 13.13%, standing out in an environment where major financial institutions in the Philippines have benefitted from rising credit growth and strong consumer activity.

This backdrop is reinforced by a market capitalization of PHP 331.91 billion, positioning MBT as the country’s second-largest private universal bank. The recent upgrade of its viability rating to ‘bbb-/stable’ by Fitch solidifies investor confidence, while industry recognition such as winning "Philippines' Best Bank for Ultra-High-Net-Worth clients" by Euromoney further cements the bank’s leadership status. The broader Philippine economy remains robust, supported by a young, upwardly mobile population, continued infrastructure spending, and the digital transformation of the banking sector—factors that provide fertile ground for MBT’s sustained expansion.

Technical analysis

MBT’s technical profile reflects a solid foundation for renewed buying interest. The 14-day Relative Strength Index (RSI) stands at 53.68, signalling a neutral environment but suggesting plenty of scope for upward momentum before hitting overbought territory. Despite mixed signals from longer-term moving averages, the short-term indicators are constructive: the 20-day moving average sits at PHP 72.65 and the 100-day at PHP 73.47, both registering buy signals in the current context.

The Moving Average Convergence Divergence (MACD) indicator recently flipped to a buy signal (-0.48), highlighting the emergence of upward traction despite some volatility. Importantly, MBT has recently surpassed its 200-day moving average, a classic bullish sign that frequently signals the start of a new appreciation phase for fundamentally robust stocks.

Immediate technical support is provided at PHP 73.95 and PHP 74.50, while the nearest resistance levels are found at PHP 75.35 and PHP 76.20. This technical structure suggests that any near-term consolidation could offer attractive entry points for new positions, with mounting potential for a sustained advance should the stock break above resistance.

Fundamental analysis

Fundamentally, MBT’s story is one of discipline, diversification, and upward earnings trajectory. In the first quarter of 2025, the bank delivered robust results: revenue reached PHP 38.1 billion, with net income of PHP 12.3 billion—up 2.5% year-on-year. Earnings per share (EPS) rose to PHP 10.76 (trailing twelve months), outperforming analyst consensus by 4.6%. Net interest income remains the backbone of MBT’s profitability at PHP 29.4 billion, but notably, non-interest income surged +31.9% YoY to PHP 8.7 billion, reflecting successful expansion into wealth management, digital services, and new fee-based businesses.

Key valuation metrics currently amplify the case for renewed investor optimism. The Price/Earnings (P/E) ratio stands at just 6.86, far below industry peers and even the wider Philippine market average—suggesting that MBT stock is attractively priced relative to its strong, consistent earnings profile. Meanwhile, the dividend yield of 6.78% is generous for an established, large-cap banking stock, providing meaningful income even as capital appreciation prospects remain bright.

Structurally, MBT’s strengths are undeniable:

• Among the highest CET1 capital ratios in the sector (14.7%), signaling a strong, resilient balance sheet.
• Superior non-performing loans (NPL) coverage at 150.9%, compared to an industry average of just 100%, reflecting conservative risk management.
• Record growth in the loan portfolio (+16.1% YoY), supporting future revenue streams.
• Recognized leadership in digital finance, underpinned by continuous investment in innovative banking platforms.

MBT’s diversified revenue streams—from private banking, corporate lending, and digital consumer loans to asset management—insulate it from sector-specific shocks and allow agile adaptation to shifting market conditions.

Volume and liquidity

A key hallmark of MBT’s investability is its consistent liquidity profile. The stock averages 2.66 million shares traded daily (3-month basis), ensuring high market participation and efficient price discovery. This deep liquidity benefits retail and institutional investors alike, facilitating sizable transactions with minimal price impact and maintaining narrow bid/ask spreads.

The 47.92% free float is another notable advantage, contributing to lively market action and dynamic valuations without exposing the stock to excessive volatility. This, paired with a low beta of 0.61, underpins MBT’s appeal as both a core portfolio holding and a relatively defensive play in times of global uncertainty.

Catalysts and positive outlook

Looking ahead, numerous bullish catalysts support the view that MBT could be entering a new phase of outperformance:

• Digital transformation and innovation: Ongoing strategic investment in state-of-the-art banking platforms and mobile finance, uniquely positioning MBT to capture growth in digital-savvy, young Filipino demographics.
• Sustained loan growth: Loan book expansion outpaces the sector at 16.1% YoY, setting the stage for higher future earnings.
• Robust fee income and wealth management: 31.9% jump in non-interest revenues reflects traction in asset management and advisory—faster-growing, higher-margin segments.
• Positive credit rating momentum: The recent Fitch upgrade and strong NPL coverage foster a perception of safety and stability in times of regional and global turbulence.
• Strategic partnerships: Recent long-term corporate loans to major conglomerates (e.g., Ayala Land) reinforce MBT’s central role in the Philippine economic infrastructure.
• Market recognition: Prestigious awards and repeated leadership renewals (e.g., President Fabian S. Dee’s continued tenure) enhance MBT’s brand and operational consistency.
• Macroeconomic optimism: A growing Philippine middle class, ongoing national infrastructure programs, and a technology-driven consumer landscape provide sector-wide tailwinds for MBT’s expansion.

Notably, a consensus price target of PHP 97.50 offers over 30% upside potential from current market levels, supported by “outperform” ratings from 13 leading analysts—a strong signal of broad-based institutional confidence.

Investment strategies

MBT’s current market configuration presents multiple attractive strategies for investors seeking sector leadership and sustained income:

• Short-term positioning: For investors inclined toward technical analysis, accumulating near the current support zone (PHP 73.95–74.50) could offer compelling entry points ahead of potential breakouts above resistance (PHP 75.35–76.20). The anticipated Q2 earnings announcement and further news on digital initiatives may serve as near-term catalysts.
• Medium-term approach: Those with a three- to twelve-month view may benefit from riding the tailwinds of resilient earnings growth, above-sector dividend yields, and potential valuation re-rating as net interest and non-interest income streams mature.
• Long-term allocation: For buy-and-hold focused investors, building/averaging positions in MBT provides exposure to a proven, diversified financial institution with a track record of navigating economic cycles, capitalizing on demographic trends, and consistently returning value to shareholders through both appreciation and dividends.

Investors may further optimize entries during brief volatility spells or following news-driven market dips, always keeping an eye on technical support and major macroeconomic indicators.

Is it the right time to buy Metropolitan Bank & Trust Company?

The evidence is mounting that Metropolitan Bank & Trust Company seems to represent an excellent opportunity for forward-looking Philippine investors. With a deeply discounted P/E ratio, class-leading dividend yield, strong earnings momentum, and multiple growth catalysts, the fundamentals justify renewed interest at today’s price levels. The stock’s sizeable liquidity and defensive risk profile enhance its suitability for all types of portfolios, while its reputation for operational prudence and digital innovation position MBT for continued advancement in a rapidly modernizing financial landscape.

In summary, the current combination of technical strength, sectoral leadership, robust fundamentals, and visible growth drivers suggests that Metropolitan Bank & Trust Company may very well be entering a new bullish phase. For those seeking well-capitalized exposure to the Philippine banking sector, this moment could mark an ideal time to consider MBT as a core strategic holding for the years ahead.

Metropolitan Bank & Trust Company’s outlook underscores the promise of blue-chip quality combined with dynamic potential—making it a stock that deserves serious attention as the Philippine economy and financial sector accelerate into the future.

How to buy Metropolitan Bank & Trust Company stock in the Philippines?

Buying Metropolitan Bank & Trust Company stock online is straightforward and secure when using a regulated broker in the Philippines. Investors have two main options: purchasing real shares directly (spot buying) or trading Contracts for Difference (CFDs) for more flexible strategies. Spot buying allows for long-term ownership, while CFDs offer access to leverage and short-term trading opportunities. You’ll find a detailed comparison of brokers offering these methods further down the page.

Spot buying

Cash purchase means you directly own Metropolitan Bank & Trust Company shares on the PSE. Most brokers charge a fixed commission per order—typically ₱100–₱250, or around $5 in USD equivalent.

Gain Scenario Example

If the Metropolitan Bank & Trust Company share price is $1.30 (about ₱73.80 PHP), you can buy around 769 shares with a $1,000 stake, including a brokerage fee of around $5.

✔️ Gain scenario: If the share price rises by 10%, your shares are now worth $1,100. Result: +$100 gross gain, i.e. +10% on your investment.

This approach appeals to long-term investors who want potential dividends and direct ownership.

Trading via CFD

With CFDs, you speculate on Metropolitan Bank & Trust Company share price movements without actually owning the shares. Fees include a spread (the difference between buy/sell prices) and overnight financing if you hold your position for more than a day.

CFD Trading Example: Gain Scenario

You open a CFD position on Metropolitan Bank & Trust Company shares, with 5x leverage. This gives you a market exposure of $5,000.

✔️ Gain scenario:

If the stock rises by 8%, your position gains 8% × 5 = 40%. Result: +$400 gain, on a bet of $1,000 (excluding fees).

CFDs suit those seeking active trading, short-term profits, or wanting to benefit from upward or downward price movements.

Final advice

Before investing, always compare different brokers’ fees, commission structures, and trading conditions. The right method depends on your investment goals—whether you prefer long-term growth or active trading strategies, refer to our broker comparison further down the page to make the best choice for your needs.

Our 7 tips for buying Metropolitan Bank & Trust Company stock

The latest news about Metropolitan Bank & Trust Company

Metropolitan Bank & Trust Company maintains strong technical signals and closes above short-term support levels. The stock finished at PHP 73.80 after a modest intraday gain, holding above recent support at PHP 73.95 despite some short-term market volatility, reflecting resilience and stability among major Philippine bank stocks.

The company delivered Q1 2025 results above analyst expectations, with net profit and non-interest income growth. Metropolitan Bank & Trust Company posted a net income of PHP 12.3 billion for the quarter, outperforming consensus forecasts with a positive earnings surprise, and significantly grew non-interest income by 31.9% year-over-year, highlighting underlying business diversification.

Fitch Ratings upgraded the bank’s viability rating to bbb-/stable, validating financial strength and prudent risk management. This recent rating improvement reinforces investor confidence in the bank’s strong capital adequacy and robust asset quality in the face of evolving domestic and international banking sector conditions.

Metropolitan Bank & Trust Company was honored as the “Best Bank for Ultra-High-Net-Worth Clients” by Euromoney. The award underscores the bank’s leading position in wealth management and its rising influence in the Philippine premium banking market; ongoing digital initiatives further enhance client experience.

Analyst consensus remains upbeat, targeting PHP 97.50 and supported by digital transformation and solid loan growth. With robust loan portfolio expansion and digital banking leadership, the stock enjoys an “outperform” outlook, and its relatively low valuation and high dividend yield continue to attract institutional and retail investor interest in the Philippines.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.