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MILL CITY VENTURES III LTD (MCVT) Stock Fundamental Analysis

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

6.25  -0.4 (-6.02%)

Fundamental Rating

5

Overall MCVT gets a fundamental rating of 5 out of 10. We evaluated MCVT against 101 industry peers in the Financial Services industry. MCVT has an excellent financial health rating, but there are some minor concerns on its profitability. MCVT has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

MCVT had positive earnings in the past year.
In the past year MCVT had a positive cash flow from operations.
Of the past 5 years MCVT 4 years were profitable.
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

MCVT has a better Return On Assets (6.23%) than 80.20% of its industry peers.
MCVT has a Return On Equity (6.32%) which is comparable to the rest of the industry.
MCVT's Return On Invested Capital of 4.69% is in line compared to the rest of the industry. MCVT outperforms 57.43% of its industry peers.
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

The Profit Margin of MCVT (38.12%) is better than 86.14% of its industry peers.
MCVT's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 38.57%, MCVT is in the better half of the industry, outperforming 79.21% of the companies in the same industry.
In the last couple of years the Operating Margin of MCVT has declined.
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

The number of shares outstanding for MCVT remains at a similar level compared to 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 90.06 indicates that MCVT is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 90.06, MCVT belongs to the top of the industry, outperforming 99.01% of the companies in the same industry.
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 90.06
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.
MCVT's Current ratio of 7.93 is amongst the best of the industry. MCVT outperforms 95.05% of its industry peers.
A Quick Ratio of 7.93 indicates that MCVT has no problem at all paying its short term obligations.
MCVT has a better Quick ratio (7.93) than 95.05% 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

The Earnings Per Share has grown by an impressive 1681.82% over the past year.
The earnings per share for MCVT have been decreasing by -48.38% on average. This is quite bad
Looking at the last year, MCVT shows a decrease in Revenue. The Revenue has decreased by -0.72% in the last year.
MCVT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 83.19% yearly.
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

With a Price/Earnings ratio of 32.89, MCVT can be considered very expensive at the moment.
Based on the Price/Earnings ratio, MCVT is valued a bit more expensive than the industry average as 71.29% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.91, MCVT is valued at the same level.
Industry RankSector Rank
PE 32.89
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

Based on the Price/Free Cash Flow ratio, MCVT is valued a bit cheaper than 61.39% of the companies in the same industry.
Industry RankSector Rank
P/FCF 20.2
EV/EBITDA N/A
MCVT Per share dataMCVT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

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

MCVT does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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MILL CITY VENTURES III LTD

NASDAQ:MCVT (7/30/2025, 3:45:57 PM)

6.25

-0.4 (-6.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-13 2025-05-13/bmo
Earnings (Next)08-13 2025-08-13
Inst Owners1.54%
Inst Owner Change0%
Ins Owners61.15%
Ins Owner Change3.85%
Market Cap37.88M
AnalystsN/A
Price TargetN/A
Short Float %2.44%
Short Ratio0.02
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 32.89
Fwd PE N/A
P/S 11.67
P/FCF 20.2
P/OCF 20.2
P/B 1.93
P/tB 1.93
EV/EBITDA N/A
EPS(TTM)0.19
EY3.04%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.31
FCFY4.95%
OCF(TTM)0.31
OCFY4.95%
SpS0.54
BVpS3.23
TBVpS3.23
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 90.06
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%