24.685 USD
+0.11 (+0.46%)
Overall MBINM gets a fundamental rating of 4 out of 10. We evaluated MBINM against 98 industry peers in the Financial Services industry. MBINM has a bad profitability rating. Also its financial health evaluation is rather negative. MBINM has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
MBINM had positive earnings in the past year.
MBINM had a positive operating cash flow in the past year.
Each year in the past 5 years MBINM has been profitable.
MBINM had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 1.03%, MBINM perfoms like the industry average, outperforming 44.90% of the companies in the same industry.
MBINM has a Return On Equity (8.98%) which 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 Profit Margin of 28.95%. This is amongst the best in the industry. MBINM outperforms 84.69% of its industry peers.
MBINM's Profit Margin has been stable in the last couple of years.
MBINM 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) | 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.
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.
Looking at the Debt to FCF ratio, with a value of 6.58, MBINM is in the better half of the industry, outperforming 61.22% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that MBINM is not too dependend on debt financing.
MBINM's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. MBINM outperforms 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
WACC18.86%
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
Looking at the last year, MBINM shows a quite strong growth in Revenue. The Revenue has grown by 8.52% in the last year.
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
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 Year4.27%
Revenue Next 2Y6.09%
Revenue Next 3Y6.41%
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
The Price/Earnings ratio is 5.53, which indicates a rather cheap valuation of MBINM.
Based on the Price/Earnings ratio, MBINM is valued cheaper than 90.82% of the companies in the same industry.
When comparing the Price/Earnings ratio of MBINM to the average of the S&P500 Index (26.15), we can say MBINM is valued rather cheaply.
A Price/Forward Earnings ratio of 4.89 indicates a rather cheap valuation of MBINM.
MBINM's Price/Forward Earnings ratio is rather cheap when compared to the industry. MBINM is cheaper than 87.76% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.12. MBINM is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.53 | ||
| Fwd PE | 4.89 |
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 | 48.18 | ||
| 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)0.17
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
5. Dividend
5.1 Amount
MBINM has a Yearly Dividend Yield of 7.87%, which is a nice return.
Compared to an average industry Dividend Yield of 5.20, MBINM pays a better dividend. On top of this MBINM pays more dividend than 86.73% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, MBINM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.87% |
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 (11/26/2025, 8:00:00 PM)
24.685
+0.11 (+0.46%)
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 Cap1.13B
Revenue(TTM)689.93M
Net Income(TTM)199.75M
Analysts80
Price Target31.34 (26.96%)
Short Float %0.02%
Short Ratio0.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.87% |
Yearly Dividend1.15
Dividend Growth(5Y)13.84%
DP29.82%
Div Incr Years0
Div Non Decr Years2
Ex-Date
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)3.18%
PT rev (3m)-4.27%
EPS NQ rev (1m)-2.89%
EPS NQ rev (3m)-3.5%
EPS NY rev (1m)5.17%
EPS NY rev (3m)-23.36%
Revenue NQ rev (1m)5.01%
Revenue NQ rev (3m)5.01%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)3.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.53 | ||
| Fwd PE | 4.89 | ||
| P/S | 1.64 | ||
| P/FCF | 48.18 | ||
| P/OCF | 24.28 | ||
| P/B | 0.51 | ||
| P/tB | 0.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.46
EY18.07%
EPS(NY)5.05
Fwd EY20.46%
FCF(TTM)0.51
FCFY2.08%
OCF(TTM)1.02
OCFY4.12%
SpS15.03
BVpS48.49
TBVpS43.68
PEG (NY)N/A
PEG (5Y)0.17
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
WACC18.86%
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 Year4.27%
Revenue Next 2Y6.09%
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 4 / 10 to MBINM.
Can you provide the valuation status for MERCHANTS BANCORP - MBIN 8 1/4 PERP?
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.
How financially healthy is MERCHANTS BANCORP - MBIN 8 1/4 PERP?
The financial health rating of MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM) is 2 / 10.
What is the earnings growth outlook for MERCHANTS BANCORP - MBIN 8 1/4 PERP?
The Earnings per Share (EPS) of MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM) is expected to decline by -44.43% in the next year.