22.9 USD
-0.29 (-1.25%)
MBINL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. MBINL may be in some trouble as it scores bad on both profitability and health. 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's Return On Assets of 1.03% is in line compared to the rest of the industry. MBINL outperforms 46.39% of its industry peers.
MBINL's Return On Equity of 8.98% is in line compared to the rest of the industry. MBINL outperforms 50.52% of its industry peers.
| 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 85.57% of its industry peers.
In the last couple of years the Profit Margin of MBINL has remained more or less at the same level.
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.
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
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.
With a Debt to FCF ratio value of 6.58, MBINL perfoms like the industry average, outperforming 58.76% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that MBINL is not too dependend on debt financing.
MBINL's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. MBINL outperforms 79.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 6.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.11%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MBINL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -26.16%.
Measured over the past years, MBINL 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.
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
The Earnings Per Share is expected to decrease by -4.17% on average over the next years.
Based on estimates for the next years, MBINL 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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
Based on the Price/Earnings ratio of 5.13, the valuation of MBINL can be described as very cheap.
MBINL's Price/Earnings ratio is rather cheap when compared to the industry. MBINL is cheaper than 91.75% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.28, MBINL is valued rather cheaply.
MBINL is valuated cheaply with a Price/Forward Earnings ratio of 4.53.
Based on the Price/Forward Earnings ratio, MBINL is valued cheaper than 91.75% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.52, MBINL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.13 | ||
| Fwd PE | 4.53 |
4.2 Price Multiples
MBINL's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 44.7 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MBINL'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)0.16
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
5. Dividend
5.1 Amount
MBINL has a Yearly Dividend Yield of 1.16%. Purely for dividend investing, there may be better candidates out there.
MBINL's Dividend Yield is comparable with the industry average which is at 3.96.
With a Dividend Yield of 1.16, MBINL pays less dividend than the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.16% |
5.2 History
On average, the dividend of MBINL grows each year by 13.84%, which is quite nice.
MBINL is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)13.84%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
29.82% of the earnings are spent on dividend by MBINL. This is a low number and sustainable payout ratio.
DP29.82%
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
MERCHANTS BANCORP - MBIN 7 5/8 PERP
NASDAQ:MBINL (12/9/2025, 8:13:17 PM)
22.9
-0.29 (-1.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners35.33%
Inst Owner ChangeN/A
Ins Owners40.2%
Ins Owner ChangeN/A
Market Cap1.05B
Revenue(TTM)689.93M
Net Income(TTM)199.75M
Analysts80
Price Target27.12 (18.43%)
Short Float %0.04%
Short Ratio0.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.16% |
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)-9.72%
PT rev (3m)-1.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.5%
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 | 5.13 | ||
| Fwd PE | 4.53 | ||
| P/S | 1.52 | ||
| P/FCF | 44.7 | ||
| P/OCF | 22.53 | ||
| P/B | 0.47 | ||
| P/tB | 0.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.46
EY19.48%
EPS(NY)5.05
Fwd EY22.05%
FCF(TTM)0.51
FCFY2.24%
OCF(TTM)1.02
OCFY4.44%
SpS15.03
BVpS48.49
TBVpS43.68
PEG (NY)N/A
PEG (5Y)0.16
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
WACC19.11%
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
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 5.13 and the Price/Book (PB) ratio is 0.47.
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 2 / 10.