Metro Bank

MTRO.L

Banks - Regional · Financial Services

Exchange

London Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Good

Valuation

Strong

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Winston Score History

The full picture

Metro Bank is a UK retail and commercial bank that offers everyday banking services like current accounts, savings accounts, mortgages, and loans. It serves individual customers and small businesses, mainly in England. Metro Bank is known for opening physical bank branches with long hours, including weekends, at a time when most UK banks were closing branches and pushing customers online.

Metro Bank makes money by charging interest on loans and mortgages, and by collecting fees on various banking products. It operates entirely within the United Kingdom and is much smaller than the major UK banks like Barclays or Lloyds. The bank went through a serious financial crisis in 2023, requiring an emergency rescue deal to stay afloat, and it is still working to rebuild profitability and investor confidence. Its very low return on invested capital of 0.4% shows the business is not yet generating strong returns, and restoring consistent profitability remains the central challenge ahead.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-2.2% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+4.2% YoY

YoY Growth Rate

Slow EPS growth

Insider Activity

54.6%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

£15.7B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Metro Bank's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+41.4%

Fast-growing sales (+41.4% YoY)

Profit growth

EPS YoY

-49.4%

Earnings shrinking (-49.4% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

21.5x

no trend

Growth-priced — P/E 21.5

P/E above the market average. People are paying up for expected growth.

Cheaper or dearer next year

P/E vs Forward

+15.8

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (21.5 → 5.7)

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Dividends

Not applicable for this business.

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