MANHATTAN BRIDGE CAPITAL INC (LOAN) Stock Fundamental Analysis
NASDAQ:LOAN - US5628031065 - REIT
5.307 USD
+0.03 (+0.51%)
Overall LOAN gets a fundamental rating of 6 out of 10. We evaluated LOAN against 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. LOAN has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. LOAN is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
LOAN had positive earnings in the past year.
In the past year LOAN had a positive cash flow from operations.
LOAN had positive earnings in each of the past 5 years.
Each year in the past 5 years LOAN had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 8.12%, LOAN belongs to the top of the industry, outperforming 98.51% of the companies in the same industry.
LOAN has a better Return On Equity (12.65%) than 98.51% of its industry peers.
LOAN's Return On Invested Capital of 8.94% is amongst the best of the industry. LOAN outperforms 100.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for LOAN is significantly above the industry average of 1.32%.
The 3 year average ROIC (8.50%) for LOAN is below the current ROIC(8.94%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.12% | ||
| ROE | 12.65% | ||
| ROIC | 8.94% |
ROA(3y)7.41%
ROA(5y)7.18%
ROE(3y)12.61%
ROE(5y)12.25%
ROIC(3y)8.5%
ROIC(5y)7.93%
1.3 Margins
LOAN has a Profit Margin of 59.04%. This is amongst the best in the industry. LOAN outperforms 97.01% of its industry peers.
LOAN's Profit Margin has been stable in the last couple of years.
The Operating Margin of LOAN (80.37%) is better than 100.00% of its industry peers.
In the last couple of years the Operating Margin of LOAN has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 80.37% | ||
| PM (TTM) | 59.04% | ||
| GM | N/A |
OM growth 3Y0.65%
OM growth 5Y-0.48%
PM growth 3Y-3.88%
PM growth 5Y-1.16%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
LOAN has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
LOAN has about the same amout of shares outstanding than it did 1 year ago.
LOAN has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, LOAN has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 3.16 indicates that LOAN is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.16, LOAN belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
LOAN has a debt to FCF ratio of 4.79. This is a neutral value as LOAN would need 4.79 years to pay back of all of its debts.
The Debt to FCF ratio of LOAN (4.79) is better than 100.00% of its industry peers.
A Debt/Equity ratio of 0.52 indicates that LOAN is somewhat dependend on debt financing.
LOAN's Debt to Equity ratio of 0.52 is amongst the best of the industry. LOAN outperforms 97.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 4.79 | ||
| Altman-Z | 3.16 |
ROIC/WACC1.08
WACC8.27%
2.3 Liquidity
A Current Ratio of 44.45 indicates that LOAN has no problem at all paying its short term obligations.
LOAN's Current ratio of 44.45 is amongst the best of the industry. LOAN outperforms 98.51% of its industry peers.
LOAN has a Quick Ratio of 44.45. This indicates that LOAN is financially healthy and has no problem in meeting its short term obligations.
LOAN has a better Quick ratio (44.45) than 98.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 44.45 | ||
| Quick Ratio | 44.45 |
3. Growth
3.1 Past
The earnings per share for LOAN have decreased by -3.28% in the last year.
The Earnings Per Share has been growing slightly by 0.42% on average over the past years.
The Revenue has decreased by -7.13% in the past year.
LOAN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.71% yearly.
EPS 1Y (TTM)-3.28%
EPS 3Y4.55%
EPS 5Y0.42%
EPS Q2Q%0%
Revenue 1Y (TTM)-7.13%
Revenue growth 3Y12.48%
Revenue growth 5Y5.71%
Sales Q2Q%64.82%
3.2 Future
The Earnings Per Share is expected to decrease by -0.06% on average over the next years.
The Revenue is expected to grow by 1.05% on average over the next years.
EPS Next Y-0.12%
EPS Next 2Y-0.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.25%
Revenue Next 2Y1.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.29 indicates a reasonable valuation of LOAN.
68.66% of the companies in the same industry are more expensive than LOAN, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.08. LOAN is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 11.07 indicates a reasonable valuation of LOAN.
LOAN's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.72, LOAN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.29 | ||
| Fwd PE | 11.07 |
4.2 Price Multiples
100.00% of the companies in the same industry are more expensive than LOAN, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of LOAN indicates a somewhat cheap valuation: LOAN is cheaper than 64.18% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.95 | ||
| EV/EBITDA | 11.09 |
4.3 Compensation for Growth
The excellent profitability rating of LOAN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)26.76
EPS Next 2Y-0.06%
EPS Next 3YN/A
5. Dividend
5.1 Amount
LOAN has a Yearly Dividend Yield of 8.71%, which is a nice return.
With a Dividend Yield of 8.71, LOAN pays less dividend than the industry average, which is at 11.85. 80.60% of the companies listed in the same industry pay a better dividend than LOAN!
Compared to an average S&P500 Dividend Yield of 2.35, LOAN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.71% |
5.2 History
The dividend of LOAN decreases each year by -0.97%.
LOAN has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.97%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
LOAN pays out 95.81% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of LOAN has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP95.81%
EPS Next 2Y-0.06%
EPS Next 3YN/A
NASDAQ:LOAN (8/29/2025, 8:00:00 PM)
5.307
+0.03 (+0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners32.04%
Inst Owner Change-10.02%
Ins Owners24.47%
Ins Owner Change0%
Market Cap60.71M
Analysts43.33
Price TargetN/A
Short Float %0.32%
Short Ratio1.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.71% |
Yearly Dividend0.46
Dividend Growth(5Y)-0.97%
DP95.81%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.96%
Min EPS beat(2)-1.96%
Max EPS beat(2)-1.96%
EPS beat(4)0
Avg EPS beat(4)-4%
Min EPS beat(4)-10.13%
Max EPS beat(4)-1.96%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)62.97%
Min Revenue beat(2)58.67%
Max Revenue beat(2)67.28%
Revenue beat(4)3
Avg Revenue beat(4)45.47%
Min Revenue beat(4)-4%
Max Revenue beat(4)67.28%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.29 | ||
| Fwd PE | 11.07 | ||
| P/S | 6.53 | ||
| P/FCF | 12.95 | ||
| P/OCF | 12.94 | ||
| P/B | 1.4 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | 11.09 |
EPS(TTM)0.47
EY8.86%
EPS(NY)0.48
Fwd EY9.03%
FCF(TTM)0.41
FCFY7.72%
OCF(TTM)0.41
OCFY7.73%
SpS0.81
BVpS3.8
TBVpS3.8
PEG (NY)N/A
PEG (5Y)26.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.12% | ||
| ROE | 12.65% | ||
| ROCE | 11.31% | ||
| ROIC | 8.94% | ||
| ROICexc | 8.97% | ||
| ROICexgc | 8.97% | ||
| OM | 80.37% | ||
| PM (TTM) | 59.04% | ||
| GM | N/A | ||
| FCFM | 50.4% |
ROA(3y)7.41%
ROA(5y)7.18%
ROE(3y)12.61%
ROE(5y)12.25%
ROIC(3y)8.5%
ROIC(5y)7.93%
ROICexc(3y)8.51%
ROICexc(5y)7.95%
ROICexgc(3y)8.51%
ROICexgc(5y)7.95%
ROCE(3y)10.76%
ROCE(5y)10.04%
ROICexcg growth 3Y12.78%
ROICexcg growth 5Y0.67%
ROICexc growth 3Y12.78%
ROICexc growth 5Y0.67%
OM growth 3Y0.65%
OM growth 5Y-0.48%
PM growth 3Y-3.88%
PM growth 5Y-1.16%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.52 | ||
| Debt/FCF | 4.79 | ||
| Debt/EBITDA | 3 | ||
| Cap/Depr | 58.18% | ||
| Cap/Sales | 0.03% | ||
| Interest Coverage | 3.88 | ||
| Cash Conversion | 62.71% | ||
| Profit Quality | 85.36% | ||
| Current Ratio | 44.45 | ||
| Quick Ratio | 44.45 | ||
| Altman-Z | 3.16 |
F-Score5
WACC8.27%
ROIC/WACC1.08
Cap/Depr(3y)110.7%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.04%
Cap/Sales(5y)0.05%
Profit Quality(3y)95.22%
Profit Quality(5y)97.83%
High Growth Momentum
Growth
EPS 1Y (TTM)-3.28%
EPS 3Y4.55%
EPS 5Y0.42%
EPS Q2Q%0%
EPS Next Y-0.12%
EPS Next 2Y-0.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.13%
Revenue growth 3Y12.48%
Revenue growth 5Y5.71%
Sales Q2Q%64.82%
Revenue Next Year-2.25%
Revenue Next 2Y1.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-9.28%
EBIT growth 3Y13.21%
EBIT growth 5Y5.2%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-6.82%
FCF growth 3Y2.33%
FCF growth 5Y2.15%
OCF growth 1Y-6.87%
OCF growth 3Y2.35%
OCF growth 5Y2.17%