MERCHANTS BANCORP - MBIN 6 PERP (MBINN) Stock Fundamental Analysis
USA - NASDAQ:MBINN - US58844R7026
20.25 USD
+0.05 (+0.25%)
Taking everything into account, MBINN scores 3 out of 10 in our fundamental rating. MBINN was compared to 98 industry peers in the Financial Services industry. Both the profitability and financial health of MBINN have multiple concerns. MBINN has a correct valuation and a medium growth rate. Finally MBINN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
MBINN had positive earnings in the past year.
MBINN had a negative operating cash flow in the past year.
Each year in the past 5 years MBINN has been profitable.
In the past 5 years MBINN reported 4 times negative operating cash flow.
1.2 Ratios
MBINN's Return On Assets of 1.09% is in line compared to the rest of the industry. MBINN outperforms 48.98% of its industry peers.
MBINN's Return On Equity of 9.58% is in line compared to the rest of the industry. MBINN outperforms 52.04% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 31.31%, MBINN belongs to the top of the industry, outperforming 85.71% 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.
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) | 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
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/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.15, MBINN is doing good in the industry, outperforming 74.49% 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
WACC19.52%
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 -28.85% 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 been growing slightly by 4.49% in the past year.
Measured over the past years, MBINN 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
Based on estimates for the next years, MBINN will show a decrease in Earnings Per Share. The EPS will decrease by -5.26% on average per year.
Based on estimates for the next years, MBINN 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
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
MBINN is valuated cheaply with a Price/Earnings ratio of 4.35.
Based on the Price/Earnings ratio, MBINN is valued cheaply inside the industry as 97.96% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.13. MBINN is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 3.97, which indicates a rather cheap valuation of MBINN.
Based on the Price/Forward Earnings ratio, MBINN is valued cheaply inside the industry as 95.92% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.35, MBINN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.35 | ||
| Fwd PE | 3.97 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MBINN's earnings are expected to decrease with -5.26% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.14
EPS Next 2Y-10.1%
EPS Next 3Y-5.26%
5. Dividend
5.1 Amount
MBINN has a Yearly Dividend Yield of 7.49%, which is a nice return.
MBINN's Dividend Yield is rather good when compared to the industry average which is at 4.91. MBINN pays more dividend than 92.86% of the companies in the same industry.
MBINN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.49% |
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
MBINN pays out 27.18% of its income as dividend. This is a sustainable payout ratio.
DP27.18%
EPS Next 2Y-10.1%
EPS Next 3Y-5.26%
MERCHANTS BANCORP - MBIN 6 PERP
NASDAQ:MBINN (11/5/2025, 8:09:02 PM)
20.25
+0.05 (+0.25%)
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 Cap929.27M
Revenue(TTM)668.42M
Net Income(TTM)209.26M
Analysts80
Price Target25.82 (27.51%)
Short Float %0.09%
Short Ratio2.66
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 Years3
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)-0.74%
PT rev (3m)6.57%
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 | 4.35 | ||
| Fwd PE | 3.97 | ||
| P/S | 1.39 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.43 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.66
EY23.01%
EPS(NY)5.1
Fwd EY25.19%
FCF(TTM)-10.84
FCFYN/A
OCF(TTM)-10.36
OCFYN/A
SpS14.57
BVpS47.61
TBVpS43.22
PEG (NY)N/A
PEG (5Y)0.14
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
WACC19.52%
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 6 PERP / MBINN FAQ
What is the fundamental rating for MBINN stock?
ChartMill assigns a fundamental rating of 3 / 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 4.35 and the Price/Book (PB) ratio is 0.43.
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 -47.17% in the next year.