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CLM vs MBIN

CLM
Cornerstone Strategic Investment Fund, Inc.
NEUTRAL
Price
$7.45
Market Cap
$2.22B
Sector
Financial Services
AI Confidence
80%
MBIN
Merchants Bancorp
BEARISH
Price
$47.76
Market Cap
$2.2B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CLM
6.83
MBIN
12.63
Forward P/E
CLM
--
MBIN
8.29
P/B Ratio
CLM
1.11
MBIN
1.27
P/S Ratio
CLM
84.89
MBIN
3.89
EV/EBITDA
CLM
--
MBIN
--

Profitability

Gross Margin
CLM
100.0%
MBIN
0.0%
Operating Margin
CLM
3.49%
MBIN
52.01%
Profit Margin
CLM
1196.52%
MBIN
38.81%
ROE
CLM
16.74%
MBIN
9.67%
ROA
CLM
0.2%
MBIN
1.14%

Growth

Revenue Growth
CLM
147.3%
MBIN
-17.6%
Earnings Growth
CLM
23.8%
MBIN
-30.6%

Financial Health

Debt/Equity
CLM
--
MBIN
--
Current Ratio
CLM
0.58
MBIN
--
Quick Ratio
CLM
0.56
MBIN
--

Dividends

Dividend Yield
CLM
19.64%
MBIN
0.86%
Payout Ratio
CLM
134.12%
MBIN
10.58%

AI Verdict

CLM NEUTRAL

CLM presents a complex profile with a Piotroski F-Score of 4/9, indicating stable but not strong financial health. While the stock is significantly undervalued relative to its Graham Number ($12.85) and Intrinsic Value ($32.16), this value is offset by a critical dividend payout ratio of 134.12%, suggesting the current yield is unsustainable. Despite strong historical 1-year and 3-year price appreciation, the current technical trend is completely bearish (0/100), and the low current ratio (0.58) indicates potential liquidity constraints.

Strengths
Deep value discount relative to Graham Number ($12.85) and Intrinsic Value ($32.16)
Very low P/E ratio of 6.83 compared to sector average of 39.32
Exceptional revenue growth (YoY 147.30%) and earnings growth (YoY 23.80%)
Risks
Unsustainable dividend payout ratio (134.12%) exceeding earnings
Bearish technical trend (0/100) indicating strong downward momentum
Poor liquidity indicated by a current ratio of 0.58
MBIN BEARISH

MBIN exhibits a severe divergence between its recent price performance and its fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is trading below its Graham Number ($56.61), it is significantly overpriced relative to its growth-based intrinsic value ($26.46). Negative year-over-year revenue (-17.60%) and earnings growth (-30.60%) suggest a deteriorating business model, further compounded by bearish insider selling from the CEO. The recent price rally appears disconnected from the underlying financial decay.

Strengths
Low Forward P/E ratio of 8.29
Conservative dividend payout ratio of 10.58%
Strong 1-year price appreciation (+51.4%)
Risks
Critical fundamental weakness indicated by Piotroski F-Score (2/9)
Significant contraction in YoY revenue and earnings growth
Bearish insider sentiment with CEO and Officer selling shares

Compare Another Pair

CLM vs MBIN: Head-to-Head Comparison

This page compares Cornerstone Strategic Investment Fund, Inc. (CLM) and Merchants Bancorp (MBIN) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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