23.6999 USD
+0.19 (+0.81%)
MBINL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. MBINL has a bad profitability rating. Also its financial health evaluation is rather negative. MBINL is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year MBINL was profitable.
- MBINL had a positive operating cash flow in the past year.
- In the past 5 years MBINL has always been profitable.
- In the past 5 years MBINL reported 4 times negative operating cash flow.
1.2 Ratios
- MBINL has a Return On Assets (1.03%) which is comparable to the rest of the industry.
- The Return On Equity of MBINL (8.98%) 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
- MBINL has a better Profit Margin (28.95%) than 85.71% of its industry peers.
- MBINL's Profit Margin has been stable in the last couple of years.
- The Operating Margin and Gross Margin are not available for MBINL 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
- MBINL does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, MBINL has more shares outstanding
- Compared to 5 years ago, MBINL has more shares outstanding
- The debt/assets ratio for MBINL has remained at the same level compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of MBINL is 6.58, which is on the high side as it means it would take MBINL, 6.58 years of fcf income to pay off all of its debts.
- MBINL has a Debt to FCF ratio (6.58) which is in line with its industry peers.
- A Debt/Equity ratio of 0.07 indicates that MBINL is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.07, MBINL is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 6.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.94%
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 MBINL have decreased strongly by -26.16% in the last year.
- MBINL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 31.91% yearly.
- MBINL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.52%.
- Measured over the past years, MBINL shows a very strong growth in Revenue. The Revenue has been growing by 31.68% on average per year.
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
- Based on estimates for the next years, MBINL will show a decrease in Earnings Per Share. The EPS will decrease by -4.17% on average per year.
- MBINL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.41% yearly.
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.
- 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
- With a Price/Earnings ratio of 5.31, the valuation of MBINL can be described as very cheap.
- Compared to the rest of the industry, the Price/Earnings ratio of MBINL indicates a rather cheap valuation: MBINL is cheaper than 92.86% of the companies listed in the same industry.
- MBINL is valuated cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
- MBINL is valuated cheaply with a Price/Forward Earnings ratio of 4.69.
- MBINL's Price/Forward Earnings ratio is rather cheap when compared to the industry. MBINL is cheaper than 92.86% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. MBINL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.31 | ||
| Fwd PE | 4.69 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of MBINL is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 46.26 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A cheap valuation may be justified as MBINL's earnings are expected to decrease with -4.17% in the coming years.
PEG (NY)N/A
PEG (5Y)0.17
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 8.21%, MBINL is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.49, MBINL pays a better dividend. On top of this MBINL pays more dividend than 87.76% of the companies listed in the same industry.
- MBINL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.21% |
5.2 History
- On average, the dividend of MBINL grows each year by 13.84%, which is quite nice.
- MBINL does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)13.84%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- MBINL pays out 29.82% of its income as dividend. This is a sustainable payout ratio.
DP29.82%
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
MERCHANTS BANCORP - MBIN 7 5/8 PERP
NASDAQ:MBINL (1/16/2026, 8:00:00 PM)
23.6999
+0.19 (+0.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)02-02 2026-02-02/amc
Inst Owners35.29%
Inst Owner ChangeN/A
Ins Owners40.12%
Ins Owner ChangeN/A
Market Cap1.09B
Revenue(TTM)689.93M
Net Income(TTM)199.75M
Analysts80
Price Target27.91 (17.76%)
Short Float %0.02%
Short Ratio0.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.21% |
Yearly Dividend1.15
Dividend Growth(5Y)13.84%
DP29.82%
Div Incr Years0
Div Non Decr Years0
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)1.04%
Revenue beat(12)7
Avg Revenue beat(12)2.29%
Revenue beat(16)9
Avg Revenue beat(16)3.25%
PT rev (1m)2.89%
PT rev (3m)-1.91%
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)0%
Revenue NY rev (3m)1.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.31 | ||
| Fwd PE | 4.69 | ||
| P/S | 1.58 | ||
| P/FCF | 46.26 | ||
| P/OCF | 23.31 | ||
| P/B | 0.49 | ||
| P/tB | 0.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.46
EY18.82%
EPS(NY)5.05
Fwd EY21.31%
FCF(TTM)0.51
FCFY2.16%
OCF(TTM)1.02
OCFY4.29%
SpS15.03
BVpS48.49
TBVpS43.68
PEG (NY)N/A
PEG (5Y)0.17
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
WACC20.94%
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 - MBIN 7 5/8 PERP / MBINL FAQ
What is the ChartMill fundamental rating of MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL) stock?
ChartMill assigns a fundamental rating of 4 / 10 to MBINL.
Can you provide the valuation status for MERCHANTS BANCORP - MBIN 7 5/8 PERP?
ChartMill assigns a valuation rating of 5 / 10 to MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL). This can be considered as Fairly Valued.
Can you provide the profitability details for MERCHANTS BANCORP - MBIN 7 5/8 PERP?
MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL) has a profitability rating of 3 / 10.
What is the earnings growth outlook for MERCHANTS BANCORP - MBIN 7 5/8 PERP?
The Earnings per Share (EPS) of MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL) is expected to decline by -44.43% in the next year.
How sustainable is the dividend of MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL) stock?
The dividend rating of MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL) is 6 / 10 and the dividend payout ratio is 29.82%.