25.19 USD
-0.04 (-0.16%)
MBINM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. MBINM may be in some trouble as it scores bad on both profitability and health. MBINM is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year MBINM was profitable.
In the past year MBINM had a positive cash flow from operations.
Each year in the past 5 years MBINM has been profitable.
In the past 5 years MBINM reported 4 times negative operating cash flow.
1.2 Ratios
MBINM has a Return On Assets of 1.03%. This is comparable to the rest of the industry: MBINM outperforms 46.94% of its industry peers.
The Return On Equity of MBINM (8.98%) is comparable to the rest of the 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
MBINM has a better Profit Margin (28.95%) than 84.69% of its industry peers.
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.
The number of shares outstanding for MBINM has been increased compared to 1 year ago.
MBINM has more shares outstanding than it did 5 years ago.
MBINM has about the same debt/assets ratio as last year.
2.2 Solvency
MBINM has a debt to FCF ratio of 6.58. This is a slightly negative value and a sign of low solvency as MBINM would need 6.58 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.58, MBINM is in line with its industry, outperforming 59.18% of the companies in the same industry.
MBINM has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.07, MBINM is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 6.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.83%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MBINM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -26.16%.
Measured over the past years, MBINM shows a very strong growth in Earnings Per Share. The EPS has been growing by 31.91% on average per year.
MBINM shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.52%.
Measured over the past years, MBINM 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, 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
With a Price/Earnings ratio of 5.65, the valuation of MBINM can be described as very cheap.
Based on the Price/Earnings ratio, MBINM is valued cheaply inside the industry as 89.80% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.92, MBINM is valued rather cheaply.
With a Price/Forward Earnings ratio of 4.99, the valuation of MBINM can be described as very cheap.
89.80% of the companies in the same industry are more expensive than MBINM, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.57, MBINM is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.65 | ||
| Fwd PE | 4.99 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MBINM is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 49.17 | ||
| 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
With a Yearly Dividend Yield of 1.17%, MBINM has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.35, MBINM has a dividend in line with its industry peers.
MBINM's Dividend Yield is slightly below the S&P500 average, which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.17% |
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 (1/7/2026, 8:00:01 PM)
25.19
-0.04 (-0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners35.29%
Inst Owner ChangeN/A
Ins Owners40.12%
Ins Owner ChangeN/A
Market Cap1.16B
Revenue(TTM)689.93M
Net Income(TTM)199.75M
Analysts80
Price Target30.38 (20.6%)
Short Float %0.02%
Short Ratio0.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.17% |
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)0%
Revenue NY rev (3m)1.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.65 | ||
| Fwd PE | 4.99 | ||
| P/S | 1.68 | ||
| P/FCF | 49.17 | ||
| P/OCF | 24.78 | ||
| P/B | 0.52 | ||
| P/tB | 0.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.46
EY17.71%
EPS(NY)5.05
Fwd EY20.05%
FCF(TTM)0.51
FCFY2.03%
OCF(TTM)1.02
OCFY4.04%
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
WACC20.83%
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 5.65 and the Price/Book (PB) ratio is 0.52.
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%.