46.56 USD
+0.24 (+0.52%)
At close: Feb 11, 2026
46.56 USD
0 (0%)
After Hours: 2/11/2026, 8:00:00 PM
Taking everything into account, MBIN scores 3 out of 10 in our fundamental rating. MBIN was compared to 96 industry peers in the Financial Services industry. MBIN may be in some trouble as it scores bad on both profitability and health. MBIN has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- MBIN had positive earnings in the past year.
- MBIN had a positive operating cash flow in the past year.
- Of the past 5 years MBIN 4 years were profitable.
- In the past 5 years MBIN reported 4 times negative operating cash flow.
1.2 Ratios
- MBIN's Return On Assets of 1.03% is in line compared to the rest of the industry. MBIN outperforms 45.83% of its industry peers.
- 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
- MBIN has a Profit Margin of 28.95%. This is amongst the best in the industry. MBIN outperforms 83.33% 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.
- There is no outstanding debt for MBIN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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 has a Debt to FCF ratio of 6.58. This is comparable to the rest of the industry: MBIN outperforms 58.33% 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.
- MBIN has a Debt to Equity ratio of 0.07. This is in the better half of the industry: MBIN outperforms 77.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 6.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.52%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- MBIN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -38.35%.
- MBIN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.19% yearly.
EPS 1Y (TTM)-38.35%
EPS 3Y-4.53%
EPS 5Y0.19%
EPS Q2Q%-30.81%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-4.38%
3.2 Future
- Based on estimates for the next years, MBIN will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.28% on average per year.
- The Revenue is expected to grow by 6.45% on average over the next years.
EPS Next Y34.94%
EPS Next 2Y22.84%
EPS Next 3Y18.28%
EPS Next 5YN/A
Revenue Next Year9.24%
Revenue Next 2Y6.45%
Revenue Next 3Y6.45%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 11.97 indicates a reasonable valuation of MBIN.
- MBIN's Price/Earnings ratio is in line with the industry average.
- When comparing the Price/Earnings ratio of MBIN to the average of the S&P500 Index (28.18), we can say MBIN is valued rather cheaply.
- MBIN is valuated reasonably with a Price/Forward Earnings ratio of 8.87.
- 62.50% of the companies in the same industry are more expensive than MBIN, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, MBIN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.97 | ||
| Fwd PE | 8.87 |
4.2 Price Multiples
- 64.58% of the companies in the same industry are cheaper than MBIN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 90.87 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- MBIN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as MBIN's earnings are expected to grow with 18.28% in the coming years.
PEG (NY)0.34
PEG (5Y)63.13
EPS Next 2Y22.84%
EPS Next 3Y18.28%
5. Dividend
5.1 Amount
- MBIN has a yearly dividend return of 0.95%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.03, MBIN has a dividend in line with its industry peers.
- With a Dividend Yield of 0.95, MBIN pays less dividend than the S&P500 average, which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
5.2 History
- The dividend of MBIN is nicely growing with an annual growth rate of 13.84%!
- 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
- MBIN pays out 29.82% of its income as dividend. This is a sustainable payout ratio.
- MBIN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP29.82%
EPS Next 2Y22.84%
EPS Next 3Y18.28%
46.56
+0.24 (+0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-28 2026-01-28/amc
Earnings (Next)04-27 2026-04-27
Inst Owners35.29%
Inst Owner Change-0.29%
Ins Owners40.12%
Ins Owner Change0.41%
Market Cap2.14B
Revenue(TTM)N/A
Net Income(TTM)199.75M
Analysts80
Price Target48.28 (3.69%)
Short Float %6.27%
Short Ratio9.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.95% |
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)14.52%
PT rev (3m)18.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.52%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)5.09%
Revenue NQ rev (1m)-2.4%
Revenue NQ rev (3m)2.49%
Revenue NY rev (1m)-0.38%
Revenue NY rev (3m)1.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.97 | ||
| Fwd PE | 8.87 | ||
| P/S | 3.1 | ||
| P/FCF | 90.87 | ||
| P/OCF | 45.8 | ||
| P/B | 0.96 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.89
EY8.35%
EPS(NY)5.25
Fwd EY11.27%
FCF(TTM)0.51
FCFY1.1%
OCF(TTM)1.02
OCFY2.18%
SpS15.03
BVpS48.49
TBVpS43.68
PEG (NY)0.34
PEG (5Y)63.13
Graham Number65.15
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
WACC18.52%
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)-38.35%
EPS 3Y-4.53%
EPS 5Y0.19%
EPS Q2Q%-30.81%
EPS Next Y34.94%
EPS Next 2Y22.84%
EPS Next 3Y18.28%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-4.38%
Revenue Next Year9.24%
Revenue Next 2Y6.45%
Revenue Next 3Y6.45%
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 3 / 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 grow by 34.94% 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%.