4.69 USD
+0.04 (+0.86%)
Taking everything into account, LOAN scores 7 out of 10 in our fundamental rating. LOAN was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. LOAN scores excellent points on both the profitability and health parts. This is a solid base for a good stock. LOAN is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year LOAN was profitable.
LOAN had a positive operating cash flow in the past year.
In the past 5 years LOAN has always been profitable.
Each year in the past 5 years LOAN had a positive operating cash flow.
1.2 Ratios
The Return On Assets of LOAN (8.83%) is better than 100.00% of its industry peers.
With an excellent Return On Equity value of 12.22%, LOAN belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 9.67%, LOAN belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
LOAN had an Average Return On Invested Capital over the past 3 years of 8.50%. This is significantly above the industry average of 1.22%.
The 3 year average ROIC (8.50%) for LOAN is below the current ROIC(9.67%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.83% | ||
| ROE | 12.22% | ||
| ROIC | 9.67% |
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 better Profit Margin (58.68%) than 100.00% of its industry peers.
LOAN's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 79.39%, LOAN belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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 | 79.39% | ||
| PM (TTM) | 58.68% | ||
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), LOAN is creating some value.
The number of shares outstanding for LOAN remains at a similar level compared to 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
LOAN has an Altman-Z score of 3.60. This indicates that LOAN is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of LOAN (3.60) is better than 100.00% of its industry peers.
The Debt to FCF ratio of LOAN is 3.17, which is a good value as it means it would take LOAN, 3.17 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of LOAN (3.17) is better than 100.00% of its industry peers.
LOAN has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.
LOAN's Debt to Equity ratio of 0.35 is amongst the best of the industry. LOAN outperforms 98.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 3.17 | ||
| Altman-Z | 3.6 |
ROIC/WACC1.2
WACC8.07%
2.3 Liquidity
A Current Ratio of 40.17 indicates that LOAN has no problem at all paying its short term obligations.
The Current ratio of LOAN (40.17) is better than 98.53% of its industry peers.
LOAN has a Quick Ratio of 40.17. This indicates that LOAN is financially healthy and has no problem in meeting its short term obligations.
LOAN has a better Quick ratio (40.17) than 98.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 40.17 | ||
| Quick Ratio | 40.17 |
3. Growth
3.1 Past
The earnings per share for LOAN have decreased by -6.01% in the last year.
The Earnings Per Share has been growing slightly by 0.42% on average over the past years.
Looking at the last year, LOAN shows a decrease in Revenue. The Revenue has decreased by -8.80% in the last 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)-6.01%
EPS 3Y4.55%
EPS 5Y0.42%
EPS Q2Q%-8.33%
Revenue 1Y (TTM)-8.8%
Revenue growth 3Y12.48%
Revenue growth 5Y5.71%
Sales Q2Q%43.71%
3.2 Future
The Earnings Per Share is expected to grow by 1.00% on average over the next years.
Based on estimates for the next years, LOAN will show a small growth in Revenue. The Revenue will grow by 1.05% on average per year.
EPS Next Y-4.37%
EPS Next 2Y1%
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 accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.20, the valuation of LOAN can be described as reasonable.
LOAN's Price/Earnings ratio is a bit cheaper when compared to the industry. LOAN is cheaper than 69.12% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.15, LOAN is valued rather cheaply.
The Price/Forward Earnings ratio is 9.58, which indicates a very decent valuation of LOAN.
The rest of the industry has a similar Price/Forward Earnings ratio as LOAN.
The average S&P500 Price/Forward Earnings ratio is at 36.12. LOAN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.2 | ||
| Fwd PE | 9.58 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, LOAN is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, LOAN is valued a bit cheaper than the industry average as 69.12% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.34 | ||
| EV/EBITDA | 9.49 |
4.3 Compensation for Growth
The excellent profitability rating of LOAN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)24.16
EPS Next 2Y1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
LOAN has a Yearly Dividend Yield of 10.45%, which is a nice return.
LOAN's Dividend Yield is slightly below the industry average, which is at 12.91.
LOAN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.45% |
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
99.38% of the earnings are spent on dividend by LOAN. This is not a sustainable payout ratio.
DP99.38%
EPS Next 2Y1%
EPS Next 3YN/A
NASDAQ:LOAN (11/26/2025, 8:00:00 PM)
4.69
+0.04 (+0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners28.89%
Inst Owner Change-5.9%
Ins Owners24.47%
Ins Owner Change0.4%
Market Cap53.65M
Revenue(TTM)9.02M
Net Income(TTM)5.29M
Analysts43.33
Price TargetN/A
Short Float %0.1%
Short Ratio0.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.45% |
Yearly Dividend0.46
Dividend Growth(5Y)-0.97%
DP99.38%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.05%
Min EPS beat(2)-10.13%
Max EPS beat(2)-1.96%
EPS beat(4)0
Avg EPS beat(4)-6.05%
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)53.33%
Min Revenue beat(2)39.38%
Max Revenue beat(2)67.28%
Revenue beat(4)4
Avg Revenue beat(4)56.32%
Min Revenue beat(4)39.38%
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)-9.09%
EPS NQ rev (3m)-9.09%
EPS NY rev (1m)-4.26%
EPS NY rev (3m)-4.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.2 | ||
| Fwd PE | 9.58 | ||
| P/S | 5.95 | ||
| P/FCF | 11.34 | ||
| P/OCF | 11.34 | ||
| P/B | 1.24 | ||
| P/tB | 1.24 | ||
| EV/EBITDA | 9.49 |
EPS(TTM)0.46
EY9.81%
EPS(NY)0.49
Fwd EY10.44%
FCF(TTM)0.41
FCFY8.82%
OCF(TTM)0.41
OCFY8.82%
SpS0.79
BVpS3.79
TBVpS3.79
PEG (NY)N/A
PEG (5Y)24.16
Graham Number6.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.83% | ||
| ROE | 12.22% | ||
| ROCE | 12.24% | ||
| ROIC | 9.67% | ||
| ROICexc | 9.7% | ||
| ROICexgc | 9.7% | ||
| OM | 79.39% | ||
| PM (TTM) | 58.68% | ||
| GM | N/A | ||
| FCFM | 52.45% |
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%
ROICexgc growth 3Y12.78%
ROICexgc 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-Score7
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 3.17 | ||
| Debt/EBITDA | 2.09 | ||
| Cap/Depr | 7.41% | ||
| Cap/Sales | 0% | ||
| Interest Coverage | 3.87 | ||
| Cash Conversion | 66.02% | ||
| Profit Quality | 89.38% | ||
| Current Ratio | 40.17 | ||
| Quick Ratio | 40.17 | ||
| Altman-Z | 3.6 |
F-Score7
WACC8.07%
ROIC/WACC1.2
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)-6.01%
EPS 3Y4.55%
EPS 5Y0.42%
EPS Q2Q%-8.33%
EPS Next Y-4.37%
EPS Next 2Y1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.8%
Revenue growth 3Y12.48%
Revenue growth 5Y5.71%
Sales Q2Q%43.71%
Revenue Next Year-2.25%
Revenue Next 2Y1.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-11.74%
EBIT growth 3Y13.21%
EBIT growth 5Y5.2%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-10.34%
FCF growth 3Y2.33%
FCF growth 5Y2.15%
OCF growth 1Y-10.44%
OCF growth 3Y2.35%
OCF growth 5Y2.17%
MANHATTAN BRIDGE CAPITAL INC / LOAN FAQ
What is the ChartMill fundamental rating of MANHATTAN BRIDGE CAPITAL INC (LOAN) stock?
ChartMill assigns a fundamental rating of 7 / 10 to LOAN.
Can you provide the valuation status for MANHATTAN BRIDGE CAPITAL INC?
ChartMill assigns a valuation rating of 6 / 10 to MANHATTAN BRIDGE CAPITAL INC (LOAN). This can be considered as Fairly Valued.
What is the profitability of LOAN stock?
MANHATTAN BRIDGE CAPITAL INC (LOAN) has a profitability rating of 8 / 10.
Can you provide the PE and PB ratios for LOAN stock?
The Price/Earnings (PE) ratio for MANHATTAN BRIDGE CAPITAL INC (LOAN) is 10.2 and the Price/Book (PB) ratio is 1.24.
Can you provide the dividend sustainability for LOAN stock?
The dividend rating of MANHATTAN BRIDGE CAPITAL INC (LOAN) is 4 / 10 and the dividend payout ratio is 99.38%.