19.06 USD
+0.03 (+0.16%)
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 may be in some trouble as it scores bad on both profitability and health. MBINN has a correct valuation and a medium growth rate.
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.
In the past 5 years MBINN reported 4 times negative operating cash flow.
1.2 Ratios
MBINN has a Return On Assets (1.03%) which is in line with its industry peers.
MBINN 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
With an excellent Profit Margin value of 28.95%, MBINN belongs to the best of the industry, outperforming 86.60% 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.
The number of shares outstanding for MBINN has been increased compared to 1 year ago.
Compared to 5 years ago, MBINN has more shares outstanding
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's Debt to FCF ratio of 6.58 is in line compared to the rest of the industry. MBINN outperforms 59.79% of its industry peers.
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 80.41% 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
WACC19.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MBINN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -26.16%.
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, 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.
The Revenue is expected to grow by 6.41% on average over the next years.
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
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
Based on the Price/Earnings ratio of 4.27, the valuation of MBINN can be described as very cheap.
94.85% of the companies in the same industry are more expensive than MBINN, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.49, MBINN is valued rather cheaply.
With a Price/Forward Earnings ratio of 3.77, the valuation of MBINN can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MBINN indicates a rather cheap valuation: MBINN is cheaper than 95.88% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, MBINN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.27 | ||
| Fwd PE | 3.77 |
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 | 37.2 | ||
| 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 1.16%.
MBINN's Dividend Yield is comparable with the industry average which is at 3.96.
With a Dividend Yield of 1.16, MBINN pays less dividend than the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.16% |
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 (12/8/2025, 12:30:37 PM)
19.06
+0.03 (+0.16%)
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 Cap874.66M
Revenue(TTM)689.93M
Net Income(TTM)199.75M
Analysts80
Price Target22.35 (17.26%)
Short Float %0.01%
Short Ratio0.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.16% |
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)-13.45%
PT rev (3m)-10.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.5%
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 | 4.27 | ||
| Fwd PE | 3.77 | ||
| P/S | 1.27 | ||
| P/FCF | 37.2 | ||
| P/OCF | 18.75 | ||
| P/B | 0.39 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.46
EY23.4%
EPS(NY)5.05
Fwd EY26.5%
FCF(TTM)0.51
FCFY2.69%
OCF(TTM)1.02
OCFY5.33%
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
WACC19.77%
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 4.27 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.