33.18 USD
-0.88 (-2.58%)
33.18 USD
0 (0%)
Overall MBIN gets a fundamental rating of 4 out of 10. We evaluated MBIN against 98 industry peers in the Financial Services industry. MBIN has a bad profitability rating. Also its financial health evaluation is rather negative. MBIN has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
MBIN had positive earnings in the past year.
In the past year MBIN had a positive cash flow from operations.
In the past 5 years MBIN has always been profitable.
MBIN had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.03%, MBIN is in line with its industry, outperforming 45.92% of the companies in the same industry.
MBIN has a Return On Equity (8.98%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 8.98% | ||
| ROIC | N/A |
ROA(3y)1.5%
ROA(5y)1.61%
ROE(3y)13.43%
ROE(5y)15.73%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of MBIN (28.95%) is better than 83.67% of its industry peers.
MBIN's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for MBIN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.95% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.71%
PM growth 5Y1.01%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MBIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
MBIN has more shares outstanding than it did 1 year ago.
MBIN has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, MBIN has about the same debt to assets ratio.
2.2 Solvency
MBIN has a debt to FCF ratio of 6.58. This is a slightly negative value and a sign of low solvency as MBIN would need 6.58 years to pay back of all of its debts.
MBIN's Debt to FCF ratio of 6.58 is in line compared to the rest of the industry. MBIN outperforms 58.16% of its industry peers.
MBIN has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of MBIN (0.07) is better than 77.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 6.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for MBIN have decreased strongly by -26.16% in the last year.
Measured over the past years, MBIN shows a very strong growth in Earnings Per Share. The EPS has been growing by 31.91% on average per year.
The Revenue has grown by 8.52% in the past year. This is quite good.
MBIN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 31.68% yearly.
EPS 1Y (TTM)-26.16%
EPS 3Y9.85%
EPS 5Y31.91%
EPS Q2Q%-17.09%
Revenue 1Y (TTM)8.52%
Revenue growth 3Y15.5%
Revenue growth 5Y31.68%
Sales Q2Q%19.91%
3.2 Future
The Earnings Per Share is expected to decrease by -4.17% on average over the next years.
Based on estimates for the next years, MBIN will show a small growth in Revenue. The Revenue will grow by 6.41% on average per year.
EPS Next Y-44.43%
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
EPS Next 5YN/A
Revenue Next Year5.37%
Revenue Next 2Y7.07%
Revenue Next 3Y6.41%
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.
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
The Price/Earnings ratio is 7.44, which indicates a rather cheap valuation of MBIN.
Based on the Price/Earnings ratio, MBIN is valued cheaper than 82.65% of the companies in the same industry.
MBIN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.60.
With a Price/Forward Earnings ratio of 6.57, the valuation of MBIN can be described as very cheap.
Based on the Price/Forward Earnings ratio, MBIN is valued a bit cheaper than 79.59% of the companies in the same industry.
MBIN is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.23, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.44 | ||
| Fwd PE | 6.57 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MBIN is valued a bit more expensive than the industry average as 63.27% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 64.76 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MBIN's earnings are expected to decrease with -4.17% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.23
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
5. Dividend
5.1 Amount
MBIN has a Yearly Dividend Yield of 1.18%.
MBIN's Dividend Yield is comparable with the industry average which is at 2.36.
Compared to an average S&P500 Dividend Yield of 2.00, MBIN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.18% |
5.2 History
On average, the dividend of MBIN grows each year by 13.84%, which is quite nice.
MBIN has been paying a dividend for over 5 years, so it has already some track record.
MBIN has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)13.84%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
29.82% of the earnings are spent on dividend by MBIN. This is a low number and sustainable payout ratio.
DP29.82%
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
33.18
-0.88 (-2.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners35.33%
Inst Owner Change-62.72%
Ins Owners40.2%
Ins Owner Change-0.6%
Market Cap1.52B
Revenue(TTM)689.93M
Net Income(TTM)199.75M
Analysts80
Price Target42.16 (27.06%)
Short Float %7.25%
Short Ratio10.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.18% |
Yearly Dividend1.15
Dividend Growth(5Y)13.84%
DP29.82%
Div Incr Years7
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-13.5%
Min EPS beat(2)-47.48%
Max EPS beat(2)20.48%
EPS beat(4)2
Avg EPS beat(4)-1.35%
Min EPS beat(4)-47.48%
Max EPS beat(4)40.24%
EPS beat(8)4
Avg EPS beat(8)0.66%
EPS beat(12)7
Avg EPS beat(12)2.53%
EPS beat(16)9
Avg EPS beat(16)3.68%
Revenue beat(2)1
Avg Revenue beat(2)-2.25%
Min Revenue beat(2)-6.84%
Max Revenue beat(2)2.33%
Revenue beat(4)2
Avg Revenue beat(4)0%
Min Revenue beat(4)-15.12%
Max Revenue beat(4)19.63%
Revenue beat(8)4
Avg Revenue beat(8)0.46%
Revenue beat(12)7
Avg Revenue beat(12)1.66%
Revenue beat(16)9
Avg Revenue beat(16)2.78%
PT rev (1m)3.33%
PT rev (3m)7.83%
EPS NQ rev (1m)-7.85%
EPS NQ rev (3m)-11.08%
EPS NY rev (1m)0%
EPS NY rev (3m)5.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.01%
Revenue NY rev (1m)1.05%
Revenue NY rev (3m)1.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.44 | ||
| Fwd PE | 6.57 | ||
| P/S | 2.21 | ||
| P/FCF | 64.76 | ||
| P/OCF | 32.64 | ||
| P/B | 0.68 | ||
| P/tB | 0.76 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.46
EY13.44%
EPS(NY)5.05
Fwd EY15.22%
FCF(TTM)0.51
FCFY1.54%
OCF(TTM)1.02
OCFY3.06%
SpS15.03
BVpS48.49
TBVpS43.68
PEG (NY)N/A
PEG (5Y)0.23
Graham Number69.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 8.98% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.95% | ||
| GM | N/A | ||
| FCFM | 3.41% |
ROA(3y)1.5%
ROA(5y)1.61%
ROE(3y)13.43%
ROE(5y)15.73%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.71%
PM growth 5Y1.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 6.58 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 754.94% | ||
| Cap/Sales | 3.35% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 11.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC19.79%
ROIC/WACCN/A
Cap/Depr(3y)409.66%
Cap/Depr(5y)317.29%
Cap/Sales(3y)2.02%
Cap/Sales(5y)1.59%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-26.16%
EPS 3Y9.85%
EPS 5Y31.91%
EPS Q2Q%-17.09%
EPS Next Y-44.43%
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
EPS Next 5YN/A
Revenue 1Y (TTM)8.52%
Revenue growth 3Y15.5%
Revenue growth 5Y31.68%
Sales Q2Q%19.91%
Revenue Next Year5.37%
Revenue Next 2Y7.07%
Revenue Next 3Y6.41%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y101.22%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y102.42%
OCF growth 3YN/A
OCF growth 5YN/A
MERCHANTS BANCORP/IN / MBIN FAQ
What is the fundamental rating for MBIN stock?
ChartMill assigns a fundamental rating of 4 / 10 to MBIN.
Can you provide the valuation status for MERCHANTS BANCORP/IN?
ChartMill assigns a valuation rating of 5 / 10 to MERCHANTS BANCORP/IN (MBIN). This can be considered as Fairly Valued.
How profitable is MERCHANTS BANCORP/IN (MBIN) stock?
MERCHANTS BANCORP/IN (MBIN) has a profitability rating of 3 / 10.
What is the expected EPS growth for MERCHANTS BANCORP/IN (MBIN) stock?
The Earnings per Share (EPS) of MERCHANTS BANCORP/IN (MBIN) is expected to decline by -44.43% in the next year.
Can you provide the dividend sustainability for MBIN stock?
The dividend rating of MERCHANTS BANCORP/IN (MBIN) is 5 / 10 and the dividend payout ratio is 29.82%.