25.46 USD
+0.08 (+0.32%)
We assign a fundamental rating of 3 out of 10 to MBINM. MBINM was compared to 98 industry peers in the Financial Services industry. MBINM may be in some trouble as it scores bad on both profitability and health. MBINM has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
MBINM had positive earnings in the past year.
In the past year MBINM had a positive cash flow from operations.
MBINM had positive earnings in each of the past 5 years.
In the past 5 years MBINM reported 4 times negative operating cash flow.
1.2 Ratios
The Return On Assets of MBINM (1.03%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 8.98%, MBINM is in line with its industry, outperforming 50.00% of the companies in the same 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
With an excellent Profit Margin value of 28.95%, MBINM belongs to the best of the industry, outperforming 84.69% of the companies in the same industry.
In the last couple of years the Profit Margin of MBINM has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for MBINM 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
MBINM does not have a ROIC to compare to the WACC, probably because it is not profitable.
MBINM has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, MBINM has more shares outstanding
MBINM has about the same debt/assets ratio as last year.
2.2 Solvency
The Debt to FCF ratio of MBINM is 6.58, which is on the high side as it means it would take MBINM, 6.58 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 6.58, MBINM perfoms like the industry average, outperforming 59.18% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that MBINM is not too dependend on debt financing.
The Debt to Equity ratio of MBINM (0.07) is better than 78.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 6.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.82%
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 MBINM have decreased strongly by -26.16% 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
MBINM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.52%.
The Revenue has been growing by 31.68% on average over the past years. This is a very strong growth!
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, MBINM will show a decrease in Earnings Per Share. The EPS will decrease by -4.17% on average per year.
Based on estimates for the next years, MBINM 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.
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
Based on the Price/Earnings ratio of 5.71, the valuation of MBINM can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of MBINM indicates a rather cheap valuation: MBINM is cheaper than 89.80% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of MBINM to the average of the S&P500 Index (26.51), we can say MBINM is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.04, the valuation of MBINM can be described as very cheap.
88.78% of the companies in the same industry are more expensive than MBINM, based on the Price/Forward Earnings ratio.
MBINM is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.71 | ||
| Fwd PE | 5.04 |
4.2 Price Multiples
MBINM's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 49.69 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MBINM'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)0.18
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
5. Dividend
5.1 Amount
MBINM has a Yearly Dividend Yield of 1.18%. Purely for dividend investing, there may be better candidates out there.
MBINM's Dividend Yield is comparable with the industry average which is at 2.36.
With a Dividend Yield of 1.18, MBINM pays less dividend than the S&P500 average, which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.18% |
5.2 History
On average, the dividend of MBINM grows each year by 13.84%, which is quite nice.
MBINM has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)13.84%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
MBINM 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 8 1/4 PERP
NASDAQ:MBINM (1/2/2026, 4:30:01 PM)
25.46
+0.08 (+0.32%)
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 Cap1.17B
Revenue(TTM)689.93M
Net Income(TTM)199.75M
Analysts80
Price Target30.38 (19.32%)
Short Float %0.02%
Short Ratio0.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.18% |
Yearly Dividend1.15
Dividend Growth(5Y)13.84%
DP29.82%
Div Incr Years0
Div Non Decr Years2
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)-3.07%
PT rev (3m)-0.46%
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)1.05%
Revenue NY rev (3m)1.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.71 | ||
| Fwd PE | 5.04 | ||
| P/S | 1.69 | ||
| P/FCF | 49.69 | ||
| P/OCF | 25.04 | ||
| P/B | 0.53 | ||
| P/tB | 0.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.46
EY17.52%
EPS(NY)5.05
Fwd EY19.84%
FCF(TTM)0.51
FCFY2.01%
OCF(TTM)1.02
OCFY3.99%
SpS15.03
BVpS48.49
TBVpS43.68
PEG (NY)N/A
PEG (5Y)0.18
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
WACC20.82%
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 8 1/4 PERP / MBINM FAQ
Can you provide the ChartMill fundamental rating for MERCHANTS BANCORP - MBIN 8 1/4 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to MBINM.
What is the valuation status of MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM) stock?
ChartMill assigns a valuation rating of 5 / 10 to MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM). This can be considered as Fairly Valued.
What is the profitability of MBINM stock?
MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM) has a profitability rating of 3 / 10.
What are the PE and PB ratios of MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM) stock?
The Price/Earnings (PE) ratio for MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM) is 5.71 and the Price/Book (PB) ratio is 0.53.
Can you provide the dividend sustainability for MBINM stock?
The dividend rating of MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM) is 3 / 10 and the dividend payout ratio is 29.82%.