MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM) Fundamental Analysis & Valuation

NASDAQ:MBINM • US58844R8842

Current stock price

24.86 USD
-0.11 (-0.43%)
Last:

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

2

1. MBINM Profitability Analysis

1.1 Basic Checks

  • In the past year MBINM was profitable.
  • MBINM had a negative operating cash flow in the past year.
  • Each year in the past 5 years MBINM has been profitable.
  • In the past 5 years MBINM reported 4 times negative operating cash flow.
MBINM Yearly Net Income VS EBIT VS OCF VS FCFMBINM 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

  • The Return On Assets of MBINM (0.89%) is comparable to the rest of the industry.
  • MBINM has a Return On Equity of 7.61%. This is comparable to the rest of the industry: MBINM outperforms 48.48% of its industry peers.
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
MBINM Yearly ROA, ROE, ROICMBINM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • MBINM has a Profit Margin of 25.47%. This is amongst the best in the industry. MBINM outperforms 82.83% of its industry peers.
  • MBINM's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for MBINM 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
MBINM Yearly Profit, Operating, Gross MarginsMBINM 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. MBINM Health Analysis

2.1 Basic Checks

  • MBINM does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, MBINM has more shares outstanding
  • MBINM has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for MBINM has been reduced compared to a year ago.
MBINM Yearly Shares OutstandingMBINM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
MBINM Yearly Total Debt VS Total AssetsMBINM 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 MBINM is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.03, MBINM belongs to the best of the industry, outperforming 80.81% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC20.72%
MBINM Yearly LT Debt VS Equity VS FCFMBINM 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
MBINM Yearly Current Assets VS Current LiabilitesMBINM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 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. MBINM Growth Analysis

3.1 Past

  • The earnings per share for MBINM have decreased strongly by -38.35% in the last year.
  • The Earnings Per Share has been growing slightly by 0.19% on average over the past years.
  • Looking at the last year, MBINM shows a small growth in Revenue. The Revenue has grown by 1.60% in the last year.
  • The Revenue has been growing by 14.15% on average over the past years. This is quite good.
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

  • The Earnings Per Share is expected to grow by 18.28% on average over the next years. This is quite good.
  • Based on estimates for the next years, MBINM 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

  • The EPS growth rate is accelerating: in the next years the growth will be better 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.
MBINM Yearly Revenue VS EstimatesMBINM 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
MBINM Yearly EPS VS EstimatesMBINM 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. MBINM Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 6.39, which indicates a rather cheap valuation of MBINM.
  • Based on the Price/Earnings ratio, MBINM is valued cheaper than 82.83% of the companies in the same industry.
  • MBINM is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • MBINM is valuated cheaply with a Price/Forward Earnings ratio of 4.65.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MBINM indicates a rather cheap valuation: MBINM is cheaper than 88.89% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of MBINM to the average of the S&P500 Index (22.42), we can say MBINM is valued rather cheaply.
Industry RankSector Rank
PE 6.39
Fwd PE 4.65
MBINM Price Earnings VS Forward Price EarningsMBINM 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
MBINM Per share dataMBINM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

  • The 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 MBINM's earnings are expected to grow with 18.28% in the coming years.
PEG (NY)0.17
PEG (5Y)33.7
EPS Next 2Y22.84%
EPS Next 3Y18.28%

More info and screens

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

8

5. MBINM Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.50%, MBINM is a good candidate for dividend investing.
  • MBINM's Dividend Yield is rather good when compared to the industry average which is at 2.53. MBINM pays more dividend than 89.90% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, MBINM pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.5%

5.2 History

  • The dividend of MBINM is nicely growing with an annual growth rate of 9.49%!
  • MBINM has been paying a dividend for over 5 years, so it has already some track record.
  • MBINM has decreased its dividend in the last 3 years.
Dividend Growth(5Y)9.49%
Div Incr Years0
Div Non Decr Years2
MBINM Yearly Dividends per shareMBINM Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • MBINM pays out 34.24% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of MBINM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.24%
EPS Next 2Y22.84%
EPS Next 3Y18.28%
MBINM Yearly Income VS Free CF VS DividendMBINM 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
MBINM Dividend Payout.MBINM Dividend Payout, showing the Payout Ratio.MBINM Dividend Payout.PayoutRetained Earnings

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MBINM Fundamentals: All Metrics, Ratios and Statistics

MERCHANTS BANCORP - MBIN 8 1/4 PERP

NASDAQ:MBINM (3/20/2026, 8:07:10 PM)

24.86

-0.11 (-0.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-28
Earnings (Next)04-27
Inst Owners35.78%
Inst Owner ChangeN/A
Ins Owners40.15%
Ins Owner ChangeN/A
Market Cap1.14B
Revenue(TTM)681.45M
Net Income(TTM)173.55M
Analysts80
Price Target28.43 (14.36%)
Short Float %0.01%
Short Ratio0.15
Dividend
Industry RankSector Rank
Dividend Yield 7.5%
Yearly Dividend1.3
Dividend Growth(5Y)9.49%
DP34.24%
Div Incr Years0
Div Non Decr Years2
Ex-Date03-13
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)1.84%
Revenue beat(16)9
Avg Revenue beat(16)2.41%
PT rev (1m)-1.75%
PT rev (3m)-6.41%
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 6.39
Fwd PE 4.65
P/S 1.68
P/FCF N/A
P/OCF N/A
P/B 0.5
P/tB 0.56
EV/EBITDA N/A
EPS(TTM)3.89
EY15.65%
EPS(NY)5.34
Fwd EY21.48%
FCF(TTM)-8.2
FCFYN/A
OCF(TTM)-7.42
OCFYN/A
SpS14.83
BVpS49.62
TBVpS44.72
PEG (NY)0.17
PEG (5Y)33.7
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
WACC20.72%
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 8 1/4 PERP / MBINM Fundamental Analysis 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 6 / 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 6.39 and the Price/Book (PB) ratio is 0.5.


Can you provide the dividend sustainability for MBINM stock?

The dividend rating of MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM) is 8 / 10 and the dividend payout ratio is 34.24%.