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LOAN

BEARISH
$4.44 Live
Manhattan Bridge Capital, Inc. · NASDAQ
$4.13 52W Range $5.85

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 14, 2026
Market cap
$50.75M
P/E
9.87
ROE
11.8%
Profit margin
74.0%
Debt/Equity
0.41
Dividend yield
9.91%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
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.

Key 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)
Extremely high liquidity (Current Ratio 40.09)
Low P/E ratio (9.87) relative to the broader Real Estate sector

Key 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)
Strongly bearish technical trend (0/100)
Micro-cap status ($0.05B) leading to high volatility and liquidity risk
AI Fair Value Estimate
Based on comprehensive analysis
$3.5
-21.2% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
32
Weak
Value
55
Future
20
Past
40
Health
30
Dividend
15
AI Verdict
Avoid
Key drivers: Unsustainable dividend payout, Negative growth trajectory, Weak Piotroski health score
Confidence
90%
Value
55/100

Ref P/E 9.87, Graham Number $6.18

Positives
  • P/E is low
  • Price is below Graham Number
Watchpoints
  • Price is above Intrinsic Value ($3.15)
Future
20/100

Ref Growth rates

Positives
No standout positives identified.
Watchpoints
  • Revenue growth -12.30%
  • Earnings growth -14.00%
Past
40/100

Ref Historical trends

Positives
  • Positive 5Y change (+17.2%)
Watchpoints
  • Negative 6M change (-11.8%)
  • Consistent earnings misses in recent quarters
Health
30/100

Ref Piotroski F-Score

Positives
  • Low Debt/Equity
Watchpoints
  • Piotroski F-Score 3/9 (Weak)
Dividend
15/100

Ref Yield, Payout

Positives
  • High nominal yield (9.91%)
Watchpoints
  • Payout ratio 127.78% (Unsustainable)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$4.44

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for LOAN and closest competitors.

Updated 2026-04-13
LOA
Manhattan Bridge Capital, Inc.
Primary
5Y
+17.2%
3Y
+14.8%
1Y
-5.3%
6M
-11.8%
1M
+4.7%
1W
-2.9%
AIR
reAlpha Tech Corp.
Peer
5Y
-99.9%
3Y
-99.9%
1Y
-75.7%
6M
-78.5%
1M
-4.5%
1W
+8.9%
AFC
Advanced Flower Capital Inc.
Peer
5Y
-69.2%
3Y
-52.2%
1Y
-56.7%
6M
-41.0%
1M
+12.4%
1W
+0.4%
AEI
Alset Inc.
Peer
5Y
-99.2%
3Y
+3.2%
1Y
+92.9%
6M
-38.2%
1M
-35.5%
1W
+4.5%
FTH
Fathom Holdings Inc.
Peer
5Y
-97.4%
3Y
-80.6%
1Y
+14.7%
6M
-49.4%
1M
+4.2%
1W
+43.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
9.87
Forward P/E
9.25
PEG Ratio
N/A
P/B Ratio
1.18
P/S Ratio
7.34
EV/Revenue
9.88
EV/EBITDA
N/A
Market Cap
$50.75M

Profitability

Profit margins and return metrics

Profit Margin 73.95%
Operating Margin 68.78%
Gross Margin 100.0%
ROE 11.84%
ROA 7.88%

Growth

Revenue and earnings growth rates

Revenue Growth -12.3%
Earnings Growth -14.0%
Q/Q Revenue Growth -12.18%
Q/Q Earnings Growth -14.1%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.41
Low debt
Current Ratio
40.09
Strong
Quick Ratio
40.07
Excellent
Cash/Share
$0.02

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
68.8%
Total Assets
$0.1B
Liabilities
$0.0B
Equity
$0.0B
Debt/Equity
0.45x
Operating CF
$0.0B
Free Cash Flow
$0.0B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-03-27
$0.1
2025-10-24
$0.11
-8.3% surprise
2025-07-22
$0.12
2025-04-24
$0.12

Real Estate Sector Comparison

Comparing LOAN against 84 companies in the Real Estate sector (3 bullish, 13 neutral, 68 bearish)
P/E Ratio
9.87
This Stock
vs
44.76
Sector Avg
-78.0% (Discount)
Return on Equity (ROE)
11.84%
This Stock
vs
-57.5%
Sector Avg
-120.6% (Below Avg)
Profit Margin
73.95%
This Stock
vs
14.35%
Sector Avg
+415.3% (Superior)
Debt to Equity
0.41
This Stock
vs
2.63
Sector Avg
-84.3% (Less Debt)
Revenue Growth
-12.3%
This Stock
vs
32225.9%
Sector Avg
-100.0% (Slower)
Current Ratio
40.09
This Stock
vs
6.92
Sector Avg
+479.7% (Stronger)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

BENTOVIM LYRON L
Director
Buy
2025-11-19
1,757 shares · $7,942
RAN ASSAF
Chief Executive Officer
Buy
2025-11-17
4,000 shares · $18,600
Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning LOAN from our newsroom.

Newest → oldest
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