18.73 USD
-0.08 (-0.43%)
18.7 USD
-0.03 (-0.16%)
MBINN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. MBINN may be in some trouble as it scores bad on both profitability and health. MBINN has a correct valuation and a medium growth rate. MBINN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
MBINN had positive earnings in the past year.
MBINN had a positive operating cash flow in the past year.
Each year in the past 5 years MBINN has been profitable.
MBINN had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of MBINN (1.03%) is comparable to the rest of the industry.
MBINN has a Return On Equity of 8.98%. This is comparable to the rest of the industry: MBINN outperforms 52.53% of its industry peers.
| 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
The Profit Margin of MBINN (28.95%) is better than 86.87% of its industry peers.
MBINN's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for MBINN 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
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.
The debt/assets ratio for MBINN has remained at the same level compared to a year ago.
2.2 Solvency
MBINN has a debt to FCF ratio of 6.58. This is a slightly negative value and a sign of low solvency as MBINN would need 6.58 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 6.58, MBINN is doing good in the industry, outperforming 60.61% of the companies in the same industry.
MBINN has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.07, MBINN belongs to the best of the industry, outperforming 80.81% 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
WACC19.91%
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.
Measured over the past years, MBINN shows a very strong growth in Earnings Per Share. The EPS has been growing by 31.91% on average per year.
The Revenue has grown by 8.52% in the past year. This is quite good.
MBINN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 31.68% yearly.
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 6.41% yearly.
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
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
Based on the Price/Earnings ratio of 4.20, the valuation of MBINN can be described as very cheap.
MBINN's Price/Earnings ratio is rather cheap when compared to the industry. MBINN is cheaper than 95.96% of the companies in the same industry.
MBINN is valuated cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.
MBINN is valuated cheaply with a Price/Forward Earnings ratio of 3.71.
Based on the Price/Forward Earnings ratio, MBINN is valued cheaply inside the industry as 96.97% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.84. MBINN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.2 | ||
| Fwd PE | 3.71 |
4.2 Price Multiples
MBINN's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 36.56 | ||
| 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)0.13
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
5. Dividend
5.1 Amount
MBINN has a Yearly Dividend Yield of 7.97%, which is a nice return.
Compared to an average industry Dividend Yield of 2.43, MBINN pays a better dividend. On top of this MBINN pays more dividend than 92.93% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, MBINN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.97% |
5.2 History
On average, the dividend of MBINN grows each year by 13.84%, 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)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
NASDAQ:MBINN (12/19/2025, 8:00:00 PM)
After market: 18.7 -0.03 (-0.16%)18.73
-0.08 (-0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners35.33%
Inst Owner ChangeN/A
Ins Owners40.2%
Ins Owner ChangeN/A
Market Cap859.52M
Revenue(TTM)689.93M
Net Income(TTM)199.75M
Analysts80
Price Target22.49 (20.07%)
Short Float %0.01%
Short Ratio0.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.97% |
Yearly Dividend1.15
Dividend Growth(5Y)13.84%
DP29.82%
Div Incr Years0
Div Non Decr Years3
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)-13.47%
PT rev (3m)-13.54%
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)1.05%
Revenue NY rev (3m)1.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.2 | ||
| Fwd PE | 3.71 | ||
| P/S | 1.25 | ||
| P/FCF | 36.56 | ||
| P/OCF | 18.42 | ||
| P/B | 0.39 | ||
| P/tB | 0.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.46
EY23.81%
EPS(NY)5.05
Fwd EY26.96%
FCF(TTM)0.51
FCFY2.74%
OCF(TTM)1.02
OCFY5.43%
SpS15.03
BVpS48.49
TBVpS43.68
PEG (NY)N/A
PEG (5Y)0.13
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
WACC19.91%
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 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 of MERCHANTS BANCORP - MBIN 6 PERP (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.
What is the valuation of MERCHANTS BANCORP - MBIN 6 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for MERCHANTS BANCORP - MBIN 6 PERP (MBINN) is 4.2 and the Price/Book (PB) ratio is 0.39.
Can you provide the expected EPS growth for MBINN stock?
The Earnings per Share (EPS) of MERCHANTS BANCORP - MBIN 6 PERP (MBINN) is expected to decline by -44.43% in the next year.