20.16 USD
+0.28 (+1.41%)
Taking everything into account, MBINN scores 4 out of 10 in our fundamental rating. MBINN was compared to 97 industry peers in the Financial Services industry. MBINN has a bad profitability rating. Also its financial health evaluation is rather negative. MBINN has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- MBINN had positive earnings in the past year.
- In the past year MBINN had a positive cash flow from operations.
- MBINN had positive earnings in each of the past 5 years.
- MBINN had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- MBINN's Return On Assets of 1.03% is in line compared to the rest of the industry. MBINN outperforms 48.45% of its industry peers.
- The Return On Equity of MBINN (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
- With an excellent Profit Margin value of 28.95%, MBINN belongs to the best of the industry, outperforming 87.63% of the companies in the same industry.
- In the last couple of years the Profit Margin of MBINN has remained more or less at the same level.
- MBINN 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
- MBINN does not have a ROIC to compare to the WACC, probably because it is not profitable.
- MBINN has more shares outstanding than it did 1 year ago.
- MBINN has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, MBINN has about the same debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of MBINN is 6.58, which is on the high side as it means it would take MBINN, 6.58 years of fcf income to pay off all of its debts.
- MBINN has a better Debt to FCF ratio (6.58) than 60.82% of its industry peers.
- A Debt/Equity ratio of 0.07 indicates that MBINN is not too dependend on debt financing.
- The Debt to Equity ratio of MBINN (0.07) is better than 79.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 6.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.17%
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 MBINN have decreased strongly by -26.16% in the last year.
- MBINN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 31.91% yearly.
- Looking at the last year, MBINN shows a quite strong growth in Revenue. The Revenue has grown by 8.52% in the last year.
- 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, MBINN will show a decrease in Earnings Per Share. The EPS will decrease by -4.17% on average per year.
- MBINN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.68% yearly.
EPS Next Y-44.43%
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
EPS Next 5YN/A
Revenue Next Year4.97%
Revenue Next 2Y6.1%
Revenue Next 3Y5.68%
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
- A Price/Earnings ratio of 4.52 indicates a rather cheap valuation of MBINN.
- MBINN's Price/Earnings ratio is rather cheap when compared to the industry. MBINN is cheaper than 95.88% of the companies in the same industry.
- MBINN is valuated cheaply when we compare the Price/Earnings ratio to 28.87, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 3.99, the valuation of MBINN can be described as very cheap.
- Based on the Price/Forward Earnings ratio, MBINN is valued cheaply inside the industry as 96.91% of the companies are valued more expensively.
- MBINN is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.96, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.52 | ||
| Fwd PE | 3.99 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as MBINN.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 39.35 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A cheap valuation may be justified as MBINN's earnings are expected to decrease with -4.17% in the coming years.
PEG (NY)N/A
PEG (5Y)0.14
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.10%, MBINN has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.09, MBINN has a dividend in line with its industry peers.
- MBINN's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.1% |
5.2 History
- The dividend of MBINN is nicely growing with an annual growth rate of 13.84%!
- MBINN has been paying a dividend for over 5 years, so it has already some track record.
- MBINN has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)13.84%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
- 29.82% of the earnings are spent on dividend by MBINN. This is a low number and sustainable payout ratio.
DP29.82%
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
MERCHANTS BANCORP - MBIN 6 PERP / MBINN FAQ
What is the fundamental rating for MBINN stock?
ChartMill assigns a fundamental rating of 4 / 10 to MBINN.
What is the valuation status for MBINN stock?
ChartMill assigns a valuation rating of 5 / 10 to MERCHANTS BANCORP - MBIN 6 PERP (MBINN). This can be considered as Fairly Valued.
How profitable is MERCHANTS BANCORP - MBIN 6 PERP (MBINN) stock?
MERCHANTS BANCORP - MBIN 6 PERP (MBINN) has a profitability rating of 3 / 10.
Can you provide the financial health for MBINN stock?
The financial health rating of MERCHANTS BANCORP - MBIN 6 PERP (MBINN) is 2 / 10.
How sustainable is the dividend of MERCHANTS BANCORP - MBIN 6 PERP (MBINN) stock?
The dividend rating of MERCHANTS BANCORP - MBIN 6 PERP (MBINN) is 4 / 10 and the dividend payout ratio is 29.82%.