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MBINL

BEARISH
$24.22 Live
Merchants Bancorp · NASDAQ
$21.8 52W Range $25.34
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Ownership

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 14, 2026
Market cap
N/A
P/E
N/A
ROE
9.7%
Profit margin
38.8%
Debt/Equity
N/A
Dividend yield
7.88%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
MBINL exhibits severe fundamental deterioration, highlighted by a weak Piotroski F-Score of 2/9, indicating poor financial health. While the stock trades at a discount to book value (P/B 0.64) and offers a high dividend yield of 7.88%, these are likely value traps given the sharp declines in revenue (-17.60% YoY) and earnings (-30.60% YoY). The combination of crashing profitability and a bearish technical trend suggests significant downside risk despite the current price stability.

Key Strengths

Low Price-to-Book ratio (0.64) suggesting undervaluation relative to assets
Strong current profit margin of 38.81%
High dividend yield of 7.88%
Positive 1-year price performance (+12.9%)
Positive ROA (1.14%) and ROE (9.67%)

Key Risks

Severe financial health decline (Piotroski F-Score 2/9)
Significant earnings contraction (-30.60% YoY)
Negative revenue growth (-17.60% YoY)
Bearish technical trend (0/100)
Dividend sustainability risk due to falling earnings
AI Fair Value Estimate
Based on comprehensive analysis
$19.5
-19.5% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
38
Weak
Value
55
Future
20
Past
50
Health
20
Dividend
45
AI Verdict
Value Trap
Key drivers: Piotroski F-Score 2/9, Negative Earnings Growth, Negative Revenue Growth, Low P/B Ratio
Confidence
90%
Value
55/100

Trades at a deep discount to book value, but lacks earnings support.

Positives
  • P/B of 0.64 is significantly below 1.0
Watchpoints
  • Lack of P/E and Graham Number data
  • Earnings decline erodes intrinsic value
Future
20/100

Strong negative trajectory across all growth metrics.

Positives
No standout positives identified.
Watchpoints
  • Revenue growth -17.60%
  • Earnings growth -30.60%
  • Q/Q earnings decline -29.10%
Past
50/100

Historical price action has been positive, but fundamentals are now diverging.

Positives
  • 1Y return of +12.9%
  • 6M return of +8.2%
Watchpoints
  • Recent 1W change is negative
Health
20/100

Deterministic health score is critically low.

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score 2/9 (Weak)
  • Lack of Altman Z-Score data
Dividend
45/100

High yield is attractive but high-risk given the earnings trend.

Positives
  • High yield of 7.88%
Watchpoints
  • Dividend strength score 40/100
  • Earnings crash threatens payout capacity

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$24.22

Multi-Horizon Performance vs Peers

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

Updated 2026-04-13
MBI
Merchants Bancorp
Primary
5Y
+7.9%
3Y
+7.9%
1Y
+12.9%
6M
+8.2%
1M
+0.6%
1W
-0.3%

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
N/A
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.64
P/S Ratio
N/A
EV/Revenue
8.22
EV/EBITDA
N/A
Market Cap
N/A

Profitability

Profit margins and return metrics

Profit Margin 38.81%
Operating Margin 52.01%
Gross Margin N/A
ROE 9.67%
ROA 1.14%

Growth

Revenue and earnings growth rates

Revenue Growth -17.6%
Earnings Growth -30.6%
Q/Q Revenue Growth -4.55%
Q/Q Earnings Growth -29.1%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$19.38

Financial Statement Flow

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

Revenue
$0.2B
Net Margin
36.8%
Total Assets
$19.4B
Liabilities
$17.2B
Equity
$2.3B
Debt/Equity
7.53x
Operating CF
$-0.4B
CapEx
$-0.0B
Free Cash Flow
$-0.4B
FCF Yield
101%

Financial Services Sector Comparison

Comparing MBINL against 404 companies in the Financial Services sector (68 bullish, 175 neutral, 161 bearish)
Return on Equity (ROE)
9.67%
This Stock
vs
-0.06%
Sector Avg
-15875.5% (Below Avg)
Profit Margin
38.81%
This Stock
vs
60.11%
Sector Avg
-35.4% (Weaker)
Revenue Growth
-17.6%
This Stock
vs
42.19%
Sector Avg
-141.7% (Slower)

Ownership Structure

Institutional and insider holdings breakdown

Ownership Breakdown

Top Institutional Holders

Archer Investment Corp
400 shares • 2025-12-31

Past News Coverage

Recent headlines mentioning MBINL from our newsroom.

Newest → oldest
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