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MBINM

BEARISH
$25.22 Live
Merchants Bancorp · NASDAQ
$24.0 52W Range $25.96
Overview AI Snowflake Price Valuation Profitability Growth Health Statements

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
8.18%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
The deterministic health profile is severely compromised, highlighted by a Piotroski F-Score of 2/9, indicating weak financial health and deteriorating fundamentals. While the stock trades at a discount to book value (P/B 0.67), this is likely a value trap given the sharp contraction in revenue (-17.60% YoY) and earnings (-30.60% YoY). The high dividend yield of 8.18% is precarious in the face of such significant earnings decay. Overall, the combination of negative growth and a bearish technical trend (0/100) outweighs the current valuation discount.

Key Strengths

Trading at a significant discount to book value (P/B 0.67)
Maintains positive profitability (ROE 9.67%, ROA 1.14%)
High current dividend yield of 8.18%
Strong long-term price performance (5Y Change +35.7%)
Healthy operating margin of 52.01%

Key Risks

Severe deterioration in financial health (Piotroski F-Score 2/9)
Double-digit decline in both revenue and earnings growth
Bearish technical trend (0/100 score)
Dividend sustainability risk due to earnings contraction
Significant underperformance relative to sector revenue growth averages
AI Fair Value Estimate
Based on comprehensive analysis
$21.5
-14.8% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
39
Weak
Value
55
Future
15
Past
60
Health
20
Dividend
45
AI Verdict
Value Trap
Key drivers: Piotroski F-Score 2/9, Earnings Growth -30.60%, Revenue Growth -17.60%, Technical Trend 0/100
Confidence
90%
Value
55/100

Price/Book is the primary value driver here, but fundamentals are decaying.

Positives
  • P/B ratio of 0.67 is well below 1.0
Watchpoints
  • Lack of P/E and Graham Number data to confirm defensive value
Future
15/100

Growth metrics are consistently negative across all timeframes.

Positives
No standout positives identified.
Watchpoints
  • Negative YoY Revenue Growth
  • Negative YoY Earnings Growth
  • Negative Q/Q Earnings Growth
Past
60/100

Historical performance was strong, but recent trends have reversed.

Positives
  • Positive 5Y and 3Y price returns
Watchpoints
  • Recent momentum has stalled
Health
20/100

The F-Score is the primary deterministic indicator of financial distress here.

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score of 2/9 indicates critical weakness
Dividend
45/100

Yield is attractive but high-risk given the earnings trajectory.

Positives
  • High yield of 8.18%
Watchpoints
  • Earnings decline threatens the payout capacity

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$25.22

Multi-Horizon Performance vs Peers

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

Updated 2026-04-13
MBI
Merchants Bancorp
Primary
5Y
+35.7%
3Y
+27.6%
1Y
+9.1%
6M
+5.7%
1M
+0.6%
1W
+0.5%

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
0.67
P/S Ratio
N/A
EV/Revenue
8.3
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 MBINM 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)

Past News Coverage

Recent headlines mentioning MBINM from our newsroom.

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