MERCHANTS BANCORP - MBIN 6 PERP (MBINN) Fundamental Analysis & Valuation

NASDAQ:MBINN • US58844R7026

Current stock price

20.47 USD
+0.03 (+0.15%)
Last:

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

2

1. MBINN Profitability Analysis

1.1 Basic Checks

  • MBINN had positive earnings in the past year.
  • In the past year MBINN has reported a negative cash flow from operations.
  • In the past 5 years MBINN has always been profitable.
  • MBINN had negative operating cash flow in 4 of the past 5 years.
MBINN Yearly Net Income VS EBIT VS OCF VS FCFMBINN 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 MBINN (0.89%) is comparable to the rest of the industry.
  • The Return On Equity of MBINN (7.61%) is comparable to the rest of the industry.
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
MBINN Yearly ROA, ROE, ROICMBINN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • MBINN's Profit Margin of 25.47% is amongst the best of the industry. MBINN outperforms 86.00% of its industry peers.
  • In the last couple of years the Profit Margin of MBINN has declined.
  • The Operating Margin and Gross Margin are not available for MBINN 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
MBINN Yearly Profit, Operating, Gross MarginsMBINN 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. MBINN Health Analysis

2.1 Basic Checks

  • MBINN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, MBINN has more shares outstanding
  • The number of shares outstanding for MBINN has been increased compared to 5 years ago.
  • MBINN has a better debt/assets ratio than last year.
MBINN Yearly Shares OutstandingMBINN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
MBINN Yearly Total Debt VS Total AssetsMBINN 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

  • MBINN has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
  • MBINN's Debt to Equity ratio of 0.03 is amongst the best of the industry. MBINN outperforms 84.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.78%
MBINN Yearly LT Debt VS Equity VS FCFMBINN 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
MBINN Yearly Current Assets VS Current LiabilitesMBINN 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. MBINN Growth Analysis

3.1 Past

  • MBINN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -38.35%.
  • MBINN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.19% yearly.
  • MBINN shows a small growth in Revenue. In the last year, the Revenue has grown by 1.60%.
  • MBINN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.15% yearly.
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, MBINN 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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
MBINN Yearly Revenue VS EstimatesMBINN 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
MBINN Yearly EPS VS EstimatesMBINN 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. MBINN Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 5.26 indicates a rather cheap valuation of MBINN.
  • 90.00% of the companies in the same industry are more expensive than MBINN, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 26.91. MBINN is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 3.83, the valuation of MBINN can be described as very cheap.
  • MBINN's Price/Forward Earnings ratio is rather cheap when compared to the industry. MBINN is cheaper than 99.00% of the companies in the same industry.
  • MBINN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.99.
Industry RankSector Rank
PE 5.26
Fwd PE 3.83
MBINN Price Earnings VS Forward Price EarningsMBINN 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
MBINN Per share dataMBINN 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.
  • MBINN's earnings are expected to grow with 18.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.14
PEG (5Y)27.75
EPS Next 2Y22.84%
EPS Next 3Y18.28%

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

5

5. MBINN Dividend Analysis

5.1 Amount

  • MBINN has a yearly dividend return of 0.88%, which is pretty low.
  • MBINN's Dividend Yield is comparable with the industry average which is at 1.81.
  • Compared to an average S&P500 Dividend Yield of 1.82, MBINN's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.88%

5.2 History

  • On average, the dividend of MBINN grows each year by 9.49%, which is quite nice.
  • 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)9.49%
Div Incr Years0
Div Non Decr Years4
MBINN Yearly Dividends per shareMBINN Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 34.24% of the earnings are spent on dividend by MBINN. This is a low number and sustainable payout ratio.
  • The dividend of MBINN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.24%
EPS Next 2Y22.84%
EPS Next 3Y18.28%
MBINN Yearly Income VS Free CF VS DividendMBINN 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
MBINN Dividend Payout.MBINN Dividend Payout, showing the Payout Ratio.MBINN Dividend Payout.PayoutRetained Earnings

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MBINN Fundamentals: All Metrics, Ratios and Statistics

MERCHANTS BANCORP - MBIN 6 PERP

NASDAQ:MBINN (4/28/2026, 8:00:00 PM)

20.47

+0.03 (+0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-27
Earnings (Next)07-27
Inst Owners35.98%
Inst Owner ChangeN/A
Ins Owners40.09%
Ins Owner ChangeN/A
Market Cap940.39M
Revenue(TTM)681.45M
Net Income(TTM)173.55M
Analysts80
Price Target20.48 (0.05%)
Short Float %0.07%
Short Ratio1.63
Dividend
Industry RankSector Rank
Dividend Yield 0.88%
Yearly Dividend1.3
Dividend Growth(5Y)9.49%
DP34.24%
Div Incr Years0
Div Non Decr Years4
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)-5.49%
PT rev (3m)-9.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.48%
EPS NY rev (1m)0%
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)1.87%
Valuation
Industry RankSector Rank
PE 5.26
Fwd PE 3.83
P/S 1.38
P/FCF N/A
P/OCF N/A
P/B 0.41
P/tB 0.46
EV/EBITDA N/A
EPS(TTM)3.89
EY19%
EPS(NY)5.34
Fwd EY26.09%
FCF(TTM)-8.2
FCFYN/A
OCF(TTM)-7.43
OCFYN/A
SpS14.83
BVpS49.65
TBVpS44.74
PEG (NY)0.14
PEG (5Y)27.75
Graham Number65.9189 (222.03%)
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
WACC12.78%
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 Year-2.71%
EBIT Next 3Y6.29%
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 6 PERP / MBINN Fundamental Analysis FAQ

What is the fundamental rating for MBINN stock?

ChartMill assigns a fundamental rating of 3 / 10 to MBINN.


What is the valuation status for MBINN stock?

ChartMill assigns a valuation rating of 6 / 10 to MERCHANTS BANCORP - MBIN 6 PERP (MBINN). This can be considered as Fairly Valued.


Can you provide the profitability details for MERCHANTS BANCORP - MBIN 6 PERP?

MERCHANTS BANCORP - MBIN 6 PERP (MBINN) has a profitability rating of 2 / 10.


How financially healthy is MERCHANTS BANCORP - MBIN 6 PERP?

The financial health rating of MERCHANTS BANCORP - MBIN 6 PERP (MBINN) is 2 / 10.


What is the earnings growth outlook for MERCHANTS BANCORP - MBIN 6 PERP?

The Earnings per Share (EPS) of MERCHANTS BANCORP - MBIN 6 PERP (MBINN) is expected to grow by 37.3% in the next year.