MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM) Stock Fundamental Analysis
USA - NASDAQ:MBINM - US58844R8842
24.48 USD
+0.01 (+0.04%)
Overall MBINM gets a fundamental rating of 3 out of 10. We evaluated MBINM 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year MBINM was profitable.
MBINM had a negative operating cash flow in the past year.
In the past 5 years MBINM has always been profitable.
In the past 5 years MBINM reported 4 times negative operating cash flow.
1.2 Ratios
MBINM has a Return On Assets (1.09%) which is comparable to the rest of the industry.
The Return On Equity of MBINM (9.58%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 9.58% | ||
| 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
The Profit Margin of MBINM (31.31%) is better than 83.84% of its industry peers.
MBINM's Profit Margin has been stable in the last couple of years.
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) | 31.31% | ||
| 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.
Compared to 1 year ago, MBINM has more shares outstanding
MBINM has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, MBINM has about the same debt to assets ratio.
2.2 Solvency
MBINM has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.15, MBINM is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.8%
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 -28.85% in the last year.
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.
The Revenue has been growing slightly by 4.49% in the past 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)-28.85%
EPS 3Y9.85%
EPS 5Y31.91%
EPS Q2Q%-59.73%
Revenue 1Y (TTM)4.49%
Revenue growth 3Y15.5%
Revenue growth 5Y31.68%
Sales Q2Q%-4%
3.2 Future
MBINM is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.26% yearly.
Based on estimates for the next years, MBINM will show a small growth in Revenue. The Revenue will grow by 6.00% on average per year.
EPS Next Y-47.17%
EPS Next 2Y-10.1%
EPS Next 3Y-5.26%
EPS Next 5YN/A
Revenue Next Year3.84%
Revenue Next 2Y5.86%
Revenue Next 3Y6%
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
A Price/Earnings ratio of 5.25 indicates a rather cheap valuation of MBINM.
Based on the Price/Earnings ratio, MBINM is valued cheaper than 92.93% of the companies in the same industry.
When comparing the Price/Earnings ratio of MBINM to the average of the S&P500 Index (26.11), we can say MBINM is valued rather cheaply.
The Price/Forward Earnings ratio is 4.80, which indicates a rather cheap valuation of MBINM.
88.89% of the companies in the same industry are more expensive than MBINM, based on the Price/Forward Earnings ratio.
MBINM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.55.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.25 | ||
| Fwd PE | 4.8 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as MBINM's earnings are expected to decrease with -5.26% in the coming years.
PEG (NY)N/A
PEG (5Y)0.16
EPS Next 2Y-10.1%
EPS Next 3Y-5.26%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.49%, MBINM is a good candidate for dividend investing.
MBINM's Dividend Yield is rather good when compared to the industry average which is at 4.77. MBINM pays more dividend than 90.91% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, MBINM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.49% |
5.2 History
The dividend of MBINM is nicely growing with an annual growth rate of 13.84%!
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
27.18% of the earnings are spent on dividend by MBINM. This is a low number and sustainable payout ratio.
DP27.18%
EPS Next 2Y-10.1%
EPS Next 3Y-5.26%
MERCHANTS BANCORP - MBIN 8 1/4 PERP
NASDAQ:MBINM (10/31/2025, 8:00:01 PM)
24.48
+0.01 (+0.04%)
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 Cap1.12B
Revenue(TTM)668.42M
Net Income(TTM)209.26M
Analysts80
Price Target30.85 (26.02%)
Short Float %0.03%
Short Ratio0.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.49% |
Yearly Dividend1.15
Dividend Growth(5Y)13.84%
DP27.18%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-33.06%
Min EPS beat(2)-47.48%
Max EPS beat(2)-18.65%
EPS beat(4)1
Avg EPS beat(4)-11.33%
Min EPS beat(4)-47.48%
Max EPS beat(4)40.24%
EPS beat(8)4
Avg EPS beat(8)1.17%
EPS beat(12)6
Avg EPS beat(12)0.66%
EPS beat(16)9
Avg EPS beat(16)3.78%
Revenue beat(2)0
Avg Revenue beat(2)-10.98%
Min Revenue beat(2)-15.12%
Max Revenue beat(2)-6.84%
Revenue beat(4)1
Avg Revenue beat(4)-3.69%
Min Revenue beat(4)-15.12%
Max Revenue beat(4)19.63%
Revenue beat(8)4
Avg Revenue beat(8)1.19%
Revenue beat(12)6
Avg Revenue beat(12)1.26%
Revenue beat(16)9
Avg Revenue beat(16)3.57%
PT rev (1m)1.07%
PT rev (3m)0.33%
EPS NQ rev (1m)0.38%
EPS NQ rev (3m)-25.47%
EPS NY rev (1m)-0.15%
EPS NY rev (3m)-27.12%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.25 | ||
| Fwd PE | 4.8 | ||
| P/S | 1.68 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.51 | ||
| P/tB | 0.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.66
EY19.04%
EPS(NY)5.1
Fwd EY20.83%
FCF(TTM)-10.84
FCFYN/A
OCF(TTM)-10.36
OCFYN/A
SpS14.57
BVpS47.61
TBVpS43.22
PEG (NY)N/A
PEG (5Y)0.16
Graham Number70.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 9.58% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.31% | ||
| GM | N/A | ||
| FCFM | 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
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-Score3
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 720.79% | ||
| Cap/Sales | 3.33% | ||
| 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-Score3
WACC18.8%
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)-28.85%
EPS 3Y9.85%
EPS 5Y31.91%
EPS Q2Q%-59.73%
EPS Next Y-47.17%
EPS Next 2Y-10.1%
EPS Next 3Y-5.26%
EPS Next 5YN/A
Revenue 1Y (TTM)4.49%
Revenue growth 3Y15.5%
Revenue growth 5Y31.68%
Sales Q2Q%-4%
Revenue Next Year3.84%
Revenue Next 2Y5.86%
Revenue Next 3Y6%
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 1Y-11.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-7.55%
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.
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 1 / 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 -47.17% in the next year.