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US Metro Bancorp, Inc. USMT

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Price alert · USMT

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6.15 USD +0.05 +0.82%

At close · Oct 30

6.15 Day range 6.15
5.05 52-week range 6.15
YTD
+19.42%
1 year
+17.37%
Open
6.15
Prev close
6.10
Mkt cap
103.27M
Vol
3.37K
Avg vol
2.05K
EPS
0.73
P/E
8.42
More statistics
Low
6.15
High
6.15

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Financial health

Altman Z-Score

0.12 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 4
  • P/E 4
  • P/B 4

Valuation

P/E 7.0×
FY 2016: 7.0×FY 2017: 9.8×FY 2018: 14.1×FY 2019: 12.5×FY 2020: 10.0×FY 2021: 4.5×FY 2022: 4.0×FY 2023: 5.2×FY 2024: 8.0×FY 2025: 7.0×
FY 2016 5y median 5.2× FY 2025
P/S 0.8×
FY 2016: 1.8×FY 2017: 3.6×FY 2018: 2.6×FY 2019: 2.2×FY 2020: 1.4×FY 2021: 1.4×FY 2022: 1.2×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/B 0.8×
FY 2016: 0.7×FY 2017: 1.3×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 0.7×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF -31.8×
FY 2016: -18.1×FY 2017: -15.0×FY 2018: 5.7×FY 2019: 11.0×FY 2020: 6.5×FY 2021: 3.5×FY 2022: 2.8×FY 2023: 4.2×FY 2024: 9.5×FY 2025: -31.8×
FY 2016 5y median 3.5× FY 2025
EV/EBITDA 4.5×
FY 2016: -172×FY 2017: -5.1×FY 2018: -5.6×FY 2019: -7.6×FY 2020: -10.1×FY 2021: -0.9×FY 2022: -0.0×FY 2023: -1.3×FY 2024: -2.3×FY 2025: 4.5×
FY 2016 5y median -0.9× FY 2025
EV/Sales 0.9×
FY 2016: -3.3×FY 2017: -1.6×FY 2018: -1.5×FY 2019: -2.3×FY 2020: -2.6×FY 2021: -0.4×FY 2022: -0.0×FY 2023: -0.3×FY 2024: -0.3×FY 2025: 0.9×
FY 2016 5y median -0.3× FY 2025
FCF Yield -3.1%
FY 2016: -5.5%FY 2017: -6.7%FY 2018: 17.6%FY 2019: 9.1%FY 2020: 15.4%FY 2021: 28.2%FY 2022: 35.3%FY 2023: 23.8%FY 2024: 10.5%FY 2025: -3.1%
FY 2016 5y median 23.8% FY 2025

Profitability

Gross Margin 55.3%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 80.6%FY 2019: 73.0%FY 2020: 69.6%FY 2021: 86.2%FY 2022: 85.3%FY 2023: 57.3%FY 2024: 48.4%FY 2025: 55.3%
FY 2016 5y median 57.3% FY 2025
Operating Margin 16.6%
FY 2016: 25.6%FY 2017: 36.4%FY 2018: 25.9%FY 2019: 25.0%FY 2020: 21.2%FY 2021: 42.7%FY 2022: 40.1%FY 2023: 18.5%FY 2024: 10.9%FY 2025: 16.6%
FY 2016 5y median 18.5% FY 2025
Net Margin 11.7%
FY 2016: 25.3%FY 2017: 36.7%FY 2018: 18.0%FY 2019: 17.4%FY 2020: 14.2%FY 2021: 31.0%FY 2022: 29.0%FY 2023: 13.3%FY 2024: 7.6%FY 2025: 11.7%
FY 2016 5y median 13.3% FY 2025
ROE 11.0%
FY 2016: 10.3%FY 2017: 13.7%FY 2018: 7.6%FY 2019: 9.0%FY 2020: 7.4%FY 2021: 20.5%FY 2022: 19.8%FY 2023: 11.1%FY 2024: 7.1%FY 2025: 11.0%
FY 2016 5y median 11.1% FY 2025
ROIC 6.2%
FY 2016: 7.3%FY 2017: 9.9%FY 2018: 7.2%FY 2019: 93.8%FY 2020: 4.6%FY 2021: 14.1%FY 2022: 11.5%FY 2023: 6.5%FY 2024: 4.2%FY 2025: 6.2%
FY 2016 5y median 6.5% FY 2025
ROA 0.8%
FY 2016: 1.3%FY 2017: 2.1%FY 2018: 1.0%FY 2019: 1.0%FY 2020: 0.6%FY 2021: 1.6%FY 2022: 1.5%FY 2023: 0.9%FY 2024: 0.5%FY 2025: 0.8%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 11.7%
FY 2016: 14.7%FY 2017: 78.1%FY 2018: 23.1%FY 2019: 34.0%FY 2020: 8.6%FY 2021: 55.0%FY 2022: 14.9%FY 2023: 37.0%FY 2024: 17.7%FY 2025: 11.7%
FY 2016 FY 2025
Operating Income 69.5%
FY 2016: -13.7%FY 2017: 153.4%FY 2018: -12.2%FY 2019: 29.3%FY 2020: -8.1%FY 2021: 212.8%FY 2022: 7.9%FY 2023: -37.0%FY 2024: -30.2%FY 2025: 69.5%
FY 2016 FY 2025
EPS (diluted) 72.1%
FY 2016: -25.6%FY 2017: 40.6%FY 2018: -46.7%FY 2019: 33.3%FY 2020: -12.5%FY 2021: 242.9%FY 2022: 6.3%FY 2023: -37.3%FY 2024: -32.8%FY 2025: 72.1%
FY 2016 FY 2025
Free Cash Flow -138.1%
FY 2016: -111.4%FY 2017: -330.9%FY 2018: 332.3%FY 2019: -41.8%FY 2020: 22.8%FY 2021: 180.1%FY 2022: 17.3%FY 2023: -44.3%FY 2024: -46.7%FY 2025: -138.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 1.0×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 2.0×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.2×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.0×FY 2019: 0.1×FY 2020: 0.5×FY 2021: 0.3×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.2×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 0.5×
FY 2016: -264×FY 2017: -16.6×FY 2018: -15.1×FY 2019: -14.7×FY 2020: -15.5×FY 2021: -3.9×FY 2022: -2.6×FY 2023: -4.5×FY 2024: -7.2×FY 2025: 0.5×
FY 2016 5y median -3.9× FY 2025
Interest Coverage 0.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 1.7×FY 2019: 1.1×FY 2020: 1.3×FY 2021: 5.4×FY 2022: 3.2×FY 2023: 0.4×FY 2024: 0.2×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025

Dividends

Dividend Yield 2.3%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 1.1%FY 2022: 2.4%FY 2023: 3.5%FY 2024: 2.9%FY 2025: 2.3%
FY 2016 5y median 2.4% FY 2025
Payout Ratio 16.2%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 5.2%FY 2022: 9.7%FY 2023: 18.5%FY 2024: 27.7%FY 2025: 16.2%
FY 2016 5y median 16.2% FY 2025

Annual · latest fiscal year ends 2025-12-31