MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL) Fundamental Analysis & Valuation

NASDAQ:MBINL • US58844R8503

Current stock price

24.01 USD
-0.03 (-0.12%)
Last:

This MBINL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. MBINL Profitability Analysis

1.1 Basic Checks

  • MBINL had positive earnings in the past year.
  • In the past year MBINL has reported a negative cash flow from operations.
  • In the past 5 years MBINL has always been profitable.
  • MBINL had negative operating cash flow in 4 of the past 5 years.
MBINL Yearly Net Income VS EBIT VS OCF VS FCFMBINL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M -1B

1.2 Ratios

  • MBINL has a Return On Assets (0.89%) which is in line with its industry peers.
  • The Return On Equity of MBINL (7.61%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.89%
ROE 7.61%
ROIC N/A
ROA(3y)1.28%
ROA(5y)1.44%
ROE(3y)11.54%
ROE(5y)13.15%
ROIC(3y)N/A
ROIC(5y)N/A
MBINL Yearly ROA, ROE, ROICMBINL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • MBINL has a better Profit Margin (25.47%) than 83.00% of its industry peers.
  • MBINL's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for MBINL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.47%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.4%
PM growth 5Y-11.62%
GM growth 3YN/A
GM growth 5YN/A
MBINL Yearly Profit, Operating, Gross MarginsMBINL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. MBINL Health Analysis

2.1 Basic Checks

  • MBINL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • MBINL has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for MBINL has been increased compared to 5 years ago.
  • The debt/assets ratio for MBINL has been reduced compared to a year ago.
MBINL Yearly Shares OutstandingMBINL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
MBINL Yearly Total Debt VS Total AssetsMBINL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • A Debt/Equity ratio of 0.03 indicates that MBINL is not too dependend on debt financing.
  • MBINL has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. MBINL outperforms 83.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.91%
MBINL Yearly LT Debt VS Equity VS FCFMBINL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MBINL Yearly Current Assets VS Current LiabilitesMBINL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2023 2024 2025 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. MBINL Growth Analysis

3.1 Past

  • The earnings per share for MBINL have decreased strongly by -38.35% in the last year.
  • Measured over the past 5 years, MBINL shows a small growth in Earnings Per Share. The EPS has been growing by 0.19% on average per year.
  • Looking at the last year, MBINL shows a small growth in Revenue. The Revenue has grown by 1.60% in the last year.
  • MBINL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.15% yearly.
EPS 1Y (TTM)-38.35%
EPS 3Y-4.53%
EPS 5Y0.19%
EPS Q2Q%-30.81%
Revenue 1Y (TTM)1.6%
Revenue growth 3Y15.31%
Revenue growth 5Y14.15%
Sales Q2Q%-4.38%

3.2 Future

  • Based on estimates for the next years, MBINL will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.28% on average per year.
  • Based on estimates for the next years, MBINL will show a small growth in Revenue. The Revenue will grow by 6.45% on average per year.
EPS Next Y37.3%
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

  • 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.
MBINL Yearly Revenue VS EstimatesMBINL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M
MBINL Yearly EPS VS EstimatesMBINL Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6

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6

4. MBINL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.17, 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 85.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.51, MBINL is valued rather cheaply.
  • MBINL is valuated cheaply with a Price/Forward Earnings ratio of 4.50.
  • 90.00% of the companies in the same industry are more expensive than MBINL, based on the Price/Forward Earnings ratio.
  • MBINL is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.76, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.17
Fwd PE 4.5
MBINL Price Earnings VS Forward Price EarningsMBINL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
MBINL Per share dataMBINL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

  • MBINL'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 MBINL's earnings are expected to grow with 18.28% in the coming years.
PEG (NY)0.17
PEG (5Y)32.55
EPS Next 2Y22.84%
EPS Next 3Y18.28%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. MBINL Dividend Analysis

5.1 Amount

  • MBINL has a Yearly Dividend Yield of 1.02%.
  • MBINL's Dividend Yield is comparable with the industry average which is at 2.13.
  • With a Dividend Yield of 1.02, MBINL pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.02%

5.2 History

  • The dividend of MBINL is nicely growing with an annual growth rate of 9.49%!
  • MBINL does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)9.49%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 34.24% of the earnings are spent on dividend by MBINL. This is a low number and sustainable payout ratio.
  • MBINL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP34.24%
EPS Next 2Y22.84%
EPS Next 3Y18.28%
MBINL Yearly Income VS Free CF VS DividendMBINL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M -1B
MBINL Dividend Payout.MBINL Dividend Payout, showing the Payout Ratio.MBINL Dividend Payout.PayoutRetained Earnings

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MBINL Fundamentals: All Metrics, Ratios and Statistics

MERCHANTS BANCORP - MBIN 7 5/8 PERP

NASDAQ:MBINL (4/2/2026, 10:45:52 AM)

24.01

-0.03 (-0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-28
Earnings (Next)04-23
Inst Owners35.78%
Inst Owner ChangeN/A
Ins Owners40.15%
Ins Owner ChangeN/A
Market Cap1.10B
Revenue(TTM)681.45M
Net Income(TTM)173.55M
Analysts80
Price Target28.03 (16.74%)
Short Float %0.15%
Short Ratio1.25
Dividend
Industry RankSector Rank
Dividend Yield 1.02%
Yearly Dividend1.3
Dividend Growth(5Y)9.49%
DP34.24%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)27.08%
Min EPS beat(2)20.48%
Max EPS beat(2)33.69%
EPS beat(4)2
Avg EPS beat(4)-2.99%
Min EPS beat(4)-47.48%
Max EPS beat(4)33.69%
EPS beat(8)4
Avg EPS beat(8)3.91%
EPS beat(12)7
Avg EPS beat(12)5.09%
EPS beat(16)9
Avg EPS beat(16)5.16%
Revenue beat(2)2
Avg Revenue beat(2)4.34%
Min Revenue beat(2)2.33%
Max Revenue beat(2)6.35%
Revenue beat(4)2
Avg Revenue beat(4)-3.32%
Min Revenue beat(4)-15.12%
Max Revenue beat(4)6.35%
Revenue beat(8)4
Avg Revenue beat(8)0.68%
Revenue beat(12)7
Avg Revenue beat(12)2.47%
Revenue beat(16)9
Avg Revenue beat(16)2.88%
PT rev (1m)0.72%
PT rev (3m)0.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.48%
EPS NY rev (1m)1.75%
EPS NY rev (3m)5.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.02%
Valuation
Industry RankSector Rank
PE 6.17
Fwd PE 4.5
P/S 1.62
P/FCF N/A
P/OCF N/A
P/B 0.48
P/tB 0.54
EV/EBITDA N/A
EPS(TTM)3.89
EY16.2%
EPS(NY)5.34
Fwd EY22.25%
FCF(TTM)-8.2
FCFYN/A
OCF(TTM)-7.42
OCFYN/A
SpS14.83
BVpS49.62
TBVpS44.72
PEG (NY)0.17
PEG (5Y)32.55
Graham Number65.9
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 7.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.47%
GM N/A
FCFM N/A
ROA(3y)1.28%
ROA(5y)1.44%
ROE(3y)11.54%
ROE(5y)13.15%
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-16.4%
PM growth 5Y-11.62%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 1022.31%
Cap/Sales 5.2%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC13.91%
ROIC/WACCN/A
Cap/Depr(3y)632.15%
Cap/Depr(5y)483.53%
Cap/Sales(3y)3.09%
Cap/Sales(5y)2.42%
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 Y37.3%
EPS Next 2Y22.84%
EPS Next 3Y18.28%
EPS Next 5YN/A
Revenue 1Y (TTM)1.6%
Revenue growth 3Y15.31%
Revenue growth 5Y14.15%
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 1Y55.88%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y59.15%
OCF growth 3YN/A
OCF growth 5YN/A

MERCHANTS BANCORP - MBIN 7 5/8 PERP / MBINL Fundamental Analysis FAQ

What is the ChartMill fundamental rating of MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL) stock?

ChartMill assigns a fundamental rating of 3 / 10 to MBINL.


Can you provide the valuation status for MERCHANTS BANCORP - MBIN 7 5/8 PERP?

ChartMill assigns a valuation rating of 6 / 10 to MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL). This can be considered as Fairly Valued.


What is the profitability of MBINL stock?

MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for MBINL stock?

The Price/Earnings (PE) ratio for MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL) is 6.17 and the Price/Book (PB) ratio is 0.48.


Can you provide the financial health for MBINL stock?

The financial health rating of MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL) is 2 / 10.