Forming limit diagrams (FLD) have been widely used as a powerful tool for predicting sheet metal forming failure in the industry. The common assumption for forming limits is that the deformation is limited to in-plane loading and through-thickness bending effects are negligible. In practical sheet metal applications, however, a sheet metal blank normally undergoes a combination of stretching, bending, and unbending, so the deformation is invariably three-dimensional. To understand the localized necking phenomenon under this condition, a new extended Marciniak-Kuczynski (M-K) model is proposed in this paper, which combines the FLD theoretical model with finite element analysis to predict the forming limits after a sheet metal undergoes under continuous-bending-undertension (CBT) loading. In this hybrid approach, a finite element model is constructed to simulate the CBT process. The deformation variables after the sheet metal reaches steady state are then extracted from the simulation. They are carried over as the initial condition of the extended M-K analysis for forming limit predictions Several cases are studied, and the results under the CBT loading condition show that the forming limits of post-die-entry material largely depends on the strain, stress, and hardening distributions through the thickness direction. Reduced forming limits are observed for small die radius case. Furthermore, the proposed M-K analysis provides a new understanding of the FLD after this complex bending-unbending-stretching loading condition, which also can be used to evaluate the real process design of sheet metal stamping, especially when the ratio of die entry radii to the metal thickness becomes small