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MILL CITY VENTURES III LTD (MCVT) Stock Fundamental Analysis

NASDAQ:MCVT - Nasdaq - US59982U2006 - Common Stock - Currency: USD

5.69  -1.18 (-17.18%)

After market: 5.7 +0.01 (+0.18%)

Fundamental Rating

5

Overall MCVT gets a fundamental rating of 5 out of 10. We evaluated MCVT against 100 industry peers in the Financial Services industry. MCVT has an excellent financial health rating, but there are some minor concerns on its profitability. MCVT does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year MCVT was profitable.
In the past year MCVT had a positive cash flow from operations.
MCVT had positive earnings in 4 of the past 5 years.
MCVT had negative operating cash flow in 4 of the past 5 years.
MCVT Yearly Net Income VS EBIT VS OCF VS FCFMCVT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M -2M 4M -4M 6M

1.2 Ratios

With an excellent Return On Assets value of 6.23%, MCVT belongs to the best of the industry, outperforming 82.00% of the companies in the same industry.
The Return On Equity of MCVT (6.32%) is comparable to the rest of the industry.
MCVT has a Return On Invested Capital (4.69%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 6.23%
ROE 6.32%
ROIC 4.69%
ROA(3y)0.06%
ROA(5y)6.96%
ROE(3y)0.09%
ROE(5y)8.07%
ROIC(3y)N/A
ROIC(5y)N/A
MCVT Yearly ROA, ROE, ROICMCVT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

1.3 Margins

MCVT has a better Profit Margin (38.12%) than 86.00% of its industry peers.
In the last couple of years the Profit Margin of MCVT has declined.
With a decent Operating Margin value of 38.57%, MCVT is doing good in the industry, outperforming 79.00% of the companies in the same industry.
MCVT's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 38.57%
PM (TTM) 38.12%
GM N/A
OM growth 3Y-6.34%
OM growth 5YN/A
PM growth 3Y-30.72%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
MCVT Yearly Profit, Operating, Gross MarginsMCVT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500 1K

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9

2. Health

2.1 Basic Checks

MCVT has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for MCVT has been increased compared to 5 years ago.
There is no outstanding debt for MCVT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MCVT Yearly Shares OutstandingMCVT Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
MCVT Yearly Total Debt VS Total AssetsMCVT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

2.2 Solvency

An Altman-Z score of 1255.34 indicates that MCVT is not in any danger for bankruptcy at the moment.
MCVT's Altman-Z score of 1255.34 is amongst the best of the industry. MCVT outperforms 100.00% of its industry peers.
There is no outstanding debt for MCVT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 1255.34
ROIC/WACCN/A
WACCN/A
MCVT Yearly LT Debt VS Equity VS FCFMCVT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

2.3 Liquidity

A Current Ratio of 7.93 indicates that MCVT has no problem at all paying its short term obligations.
The Current ratio of MCVT (7.93) is better than 96.00% of its industry peers.
MCVT has a Quick Ratio of 7.93. This indicates that MCVT is financially healthy and has no problem in meeting its short term obligations.
MCVT has a Quick ratio of 7.93. This is amongst the best in the industry. MCVT outperforms 96.00% of its industry peers.
Industry RankSector Rank
Current Ratio 7.93
Quick Ratio 7.93
MCVT Yearly Current Assets VS Current LiabilitesMCVT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M

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3

3. Growth

3.1 Past

MCVT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1681.82%, which is quite impressive.
MCVT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -48.38% yearly.
The Revenue has decreased by -0.72% in the past year.
The Revenue has been growing by 83.19% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)1681.82%
EPS 3Y-48.38%
EPS 5YN/A
EPS Q2Q%20.58%
Revenue 1Y (TTM)-0.72%
Revenue growth 3Y7.46%
Revenue growth 5Y83.19%
Sales Q2Q%-6.33%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
MCVT Yearly Revenue VS EstimatesMCVT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M

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1

4. Valuation

4.1 Price/Earnings Ratio

MCVT is valuated quite expensively with a Price/Earnings ratio of 29.95.
Compared to the rest of the industry, the Price/Earnings ratio of MCVT indicates a slightly more expensive valuation: MCVT is more expensive than 71.00% of the companies listed in the same industry.
MCVT's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.85.
Industry RankSector Rank
PE 29.95
Fwd PE N/A
MCVT Price Earnings VS Forward Price EarningsMCVT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of MCVT is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 249.2
EV/EBITDA N/A
MCVT Per share dataMCVT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.05 0.1 0.15 0.2

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for MCVT!.
Industry RankSector Rank
Dividend Yield N/A

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MILL CITY VENTURES III LTD

NASDAQ:MCVT (8/19/2025, 6:37:21 PM)

After market: 5.7 +0.01 (+0.18%)

5.69

-1.18 (-17.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-14 2025-08-14
Earnings (Next)11-10 2025-11-10
Inst Owners1.54%
Inst Owner Change40.48%
Ins Owners56.25%
Ins Owner Change3.85%
Market Cap467.21M
AnalystsN/A
Price TargetN/A
Short Float %0.68%
Short Ratio0.15
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 29.95
Fwd PE N/A
P/S 143.92
P/FCF 249.2
P/OCF 249.2
P/B 23.86
P/tB 23.86
EV/EBITDA N/A
EPS(TTM)0.19
EY3.34%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.02
FCFY0.4%
OCF(TTM)0.02
OCFY0.4%
SpS0.04
BVpS0.24
TBVpS0.24
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 6.23%
ROE 6.32%
ROCE 6.39%
ROIC 4.69%
ROICexc 5.15%
ROICexgc 5.15%
OM 38.57%
PM (TTM) 38.12%
GM N/A
FCFM 57.75%
ROA(3y)0.06%
ROA(5y)6.96%
ROE(3y)0.09%
ROE(5y)8.07%
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
ROICexcg growth 3Y-5.38%
ROICexcg growth 5YN/A
ROICexc growth 3Y-5.38%
ROICexc growth 5YN/A
OM growth 3Y-6.34%
OM growth 5YN/A
PM growth 3Y-30.72%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion N/A
Profit Quality 151.51%
Current Ratio 7.93
Quick Ratio 7.93
Altman-Z 1255.34
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1681.82%
EPS 3Y-48.38%
EPS 5YN/A
EPS Q2Q%20.58%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.72%
Revenue growth 3Y7.46%
Revenue growth 5Y83.19%
Sales Q2Q%-6.33%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y11.57%
EBIT growth 3Y0.65%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y270.44%
FCF growth 3YN/A
FCF growth 5Y-5.88%
OCF growth 1Y270.44%
OCF growth 3YN/A
OCF growth 5Y-5.88%