MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL) Stock Fundamental Analysis
USA - NASDAQ:MBINL - US58844R8503
23.85 USD
0 (0%)
MBINL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. MBINL may be in some trouble as it scores bad on both profitability and health. MBINL has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year MBINL was profitable.
MBINL had a negative operating cash flow in the past year.
In the past 5 years MBINL has always been profitable.
MBINL had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
MBINL's Return On Assets of 1.09% is in line compared to the rest of the industry. MBINL outperforms 48.48% of its industry peers.
MBINL has a Return On Equity of 9.58%. This is comparable to the rest of the industry: MBINL outperforms 53.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 9.58% | ||
| 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
Looking at the Profit Margin, with a value of 31.31%, MBINL belongs to the top of the industry, outperforming 84.85% of the companies in the same industry.
In the last couple of years the Profit Margin of MBINL has remained more or less at the same level.
MBINL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 31.31% | ||
| 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.
The number of shares outstanding for MBINL has been increased compared to 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 remained at the same level compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 0.15 indicates that MBINL is not too dependend on debt financing.
MBINL has a Debt to Equity ratio of 0.15. This is in the better half of the industry: MBINL outperforms 73.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.88%
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 -28.85% in the last year.
The Earnings Per Share has been growing by 31.91% on average over the past years. This is a very strong growth
The Revenue has been growing slightly by 4.49% in the past year.
MBINL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 31.68% yearly.
EPS 1Y (TTM)-28.85%
EPS 3Y9.85%
EPS 5Y31.91%
EPS Q2Q%-59.73%
Revenue 1Y (TTM)4.49%
Revenue growth 3Y15.5%
Revenue growth 5Y31.68%
Sales Q2Q%-4%
3.2 Future
MBINL is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.26% yearly.
MBINL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.00% yearly.
EPS Next Y-47.17%
EPS Next 2Y-10.1%
EPS Next 3Y-5.26%
EPS Next 5YN/A
Revenue Next Year3.84%
Revenue Next 2Y5.86%
Revenue Next 3Y6%
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
MBINL is valuated cheaply with a Price/Earnings ratio of 5.12.
Compared to the rest of the industry, the Price/Earnings ratio of MBINL indicates a rather cheap valuation: MBINL is cheaper than 95.96% of the companies listed in the same industry.
MBINL is valuated cheaply when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 4.68, which indicates a rather cheap valuation of MBINL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MBINL indicates a rather cheap valuation: MBINL is cheaper than 90.91% of the companies listed in the same industry.
MBINL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.63.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.12 | ||
| Fwd PE | 4.68 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MBINL's earnings are expected to decrease with -5.26% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.16
EPS Next 2Y-10.1%
EPS Next 3Y-5.26%
5. Dividend
5.1 Amount
MBINL has a Yearly Dividend Yield of 7.38%, which is a nice return.
MBINL's Dividend Yield is rather good when compared to the industry average which is at 5.10. MBINL pays more dividend than 91.92% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, MBINL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.38% |
5.2 History
The dividend of MBINL is nicely growing with an annual growth rate of 13.84%!
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
27.18% of the earnings are spent on dividend by MBINL. This is a low number and sustainable payout ratio.
DP27.18%
EPS Next 2Y-10.1%
EPS Next 3Y-5.26%
MERCHANTS BANCORP - MBIN 7 5/8 PERP
NASDAQ:MBINL (10/29/2025, 8:00:01 PM)
23.85
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners34.24%
Inst Owner ChangeN/A
Ins Owners40.17%
Ins Owner ChangeN/A
Market Cap1.09B
Revenue(TTM)668.42M
Net Income(TTM)209.26M
Analysts80
Price Target29.88 (25.28%)
Short Float %0.06%
Short Ratio0.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.38% |
Yearly Dividend1.15
Dividend Growth(5Y)13.84%
DP27.18%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-33.06%
Min EPS beat(2)-47.48%
Max EPS beat(2)-18.65%
EPS beat(4)1
Avg EPS beat(4)-11.33%
Min EPS beat(4)-47.48%
Max EPS beat(4)40.24%
EPS beat(8)4
Avg EPS beat(8)1.17%
EPS beat(12)6
Avg EPS beat(12)0.66%
EPS beat(16)9
Avg EPS beat(16)3.78%
Revenue beat(2)0
Avg Revenue beat(2)-10.98%
Min Revenue beat(2)-15.12%
Max Revenue beat(2)-6.84%
Revenue beat(4)1
Avg Revenue beat(4)-3.69%
Min Revenue beat(4)-15.12%
Max Revenue beat(4)19.63%
Revenue beat(8)4
Avg Revenue beat(8)2.13%
Revenue beat(12)6
Avg Revenue beat(12)1.89%
Revenue beat(16)9
Avg Revenue beat(16)4.04%
PT rev (1m)-0.18%
PT rev (3m)-1.05%
EPS NQ rev (1m)0.38%
EPS NQ rev (3m)-25.47%
EPS NY rev (1m)-0.15%
EPS NY rev (3m)-27.12%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)2.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.12 | ||
| Fwd PE | 4.68 | ||
| P/S | 1.64 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.5 | ||
| P/tB | 0.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.66
EY19.54%
EPS(NY)5.1
Fwd EY21.38%
FCF(TTM)-10.84
FCFYN/A
OCF(TTM)-10.36
OCFYN/A
SpS14.57
BVpS47.61
TBVpS43.22
PEG (NY)N/A
PEG (5Y)0.16
Graham Number70.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 9.58% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.31% | ||
| GM | N/A | ||
| FCFM | 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
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-Score3
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 720.79% | ||
| Cap/Sales | 3.33% | ||
| 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-Score3
WACC18.88%
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)-28.85%
EPS 3Y9.85%
EPS 5Y31.91%
EPS Q2Q%-59.73%
EPS Next Y-47.17%
EPS Next 2Y-10.1%
EPS Next 3Y-5.26%
EPS Next 5YN/A
Revenue 1Y (TTM)4.49%
Revenue growth 3Y15.5%
Revenue growth 5Y31.68%
Sales Q2Q%-4%
Revenue Next Year3.84%
Revenue Next 2Y5.86%
Revenue Next 3Y6%
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 1Y-11.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-7.55%
OCF growth 3YN/A
OCF growth 5YN/A
MERCHANTS BANCORP - MBIN 7 5/8 PERP / MBINL FAQ
Can you provide the ChartMill fundamental rating for MERCHANTS BANCORP - MBIN 7 5/8 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to MBINL.
What is the valuation status for MBINL stock?
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.
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 5.12 and the Price/Book (PB) ratio is 0.5.
What is the financial health of MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL) stock?
The financial health rating of MERCHANTS BANCORP - MBIN 7 5/8 PERP (MBINL) is 1 / 10.