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LOAN vs SELF

LOAN
Manhattan Bridge Capital, Inc.
BEARISH
Price
$4.44
Market Cap
$50.7M
Sector
Real Estate
AI Confidence
85%
SELF
Global Self Storage, Inc.
NEUTRAL
Price
$5.31
Market Cap
$60.2M
Sector
Real Estate
AI Confidence
85%

Valuation

P/E Ratio
LOAN
9.87
SELF
29.5
Forward P/E
LOAN
9.25
SELF
23.09
P/B Ratio
LOAN
1.18
SELF
1.3
P/S Ratio
LOAN
7.34
SELF
4.74
EV/EBITDA
LOAN
--
SELF
14.87

Profitability

Gross Margin
LOAN
100.0%
SELF
61.71%
Operating Margin
LOAN
68.78%
SELF
21.54%
Profit Margin
LOAN
73.95%
SELF
16.04%
ROE
LOAN
11.84%
SELF
4.34%
ROA
LOAN
7.88%
SELF
2.88%

Growth

Revenue Growth
LOAN
-12.3%
SELF
-0.9%
Earnings Growth
LOAN
-14.0%
SELF
1479.5%

Financial Health

Debt/Equity
LOAN
0.41
SELF
0.34
Current Ratio
LOAN
40.09
SELF
3.57
Quick Ratio
LOAN
40.07
SELF
3.21

Dividends

Dividend Yield
LOAN
9.91%
SELF
5.45%
Payout Ratio
LOAN
127.78%
SELF
161.11%

AI Verdict

LOAN BEARISH

Manhattan Bridge Capital (LOAN) exhibits significant financial deterioration, highlighted by a weak Piotroski F-Score of 3/9. While the stock trades below its Graham Number ($6.18), it is fundamentally undermined by negative revenue and earnings growth (-12.3% and -14% YoY, respectively). Most critically, the 9.91% dividend yield is a 'dividend trap,' as the payout ratio of 127.78% indicates the company is paying out more than it earns. The combination of a bearish technical trend (0/100) and shrinking fundamentals suggests a high risk of a dividend cut and further price depreciation.

Strengths
Low Debt/Equity ratio (0.41) compared to sector average
Strong profit margins (73.95%)
Current price is below the Graham Number ($6.18)
Risks
Unsustainable dividend payout ratio (127.78%)
Negative year-over-year revenue and earnings growth
Weak financial health as indicated by Piotroski F-Score (3/9)
SELF NEUTRAL

SELF presents a stable but stagnant financial profile, anchored by a Piotroski F-Score of 4/9 and a strong liquidity position. While the balance sheet is healthy with low debt and a high current ratio, the company is struggling with negative revenue growth (-0.90%) and an unsustainable dividend payout ratio of 161.11%. The stock is currently trading exactly at its estimated intrinsic value of $5.31, though it remains above its defensive Graham Number of $4.07. The combination of bearish technicals and poor dividend coverage offsets the company's low leverage.

Strengths
Very low Debt/Equity ratio (0.34) indicating low financial leverage
Strong liquidity with a Current Ratio of 3.57 and Quick Ratio of 3.21
Healthy gross margins (61.71%) and operating margins (21.54%)
Risks
Unsustainable dividend payout ratio (161.11%) suggesting a likely dividend cut
Negative year-over-year revenue growth (-0.90%) indicating stagnation
Very low Return on Equity (4.34%) and Return on Assets (2.88%)

Compare Another Pair

LOAN vs SELF: Head-to-Head Comparison

This page compares Manhattan Bridge Capital, Inc. (LOAN) and Global Self Storage, Inc. (SELF) 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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