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MBINN

BEARISH
$20.33 Live
Merchants Bancorp · NASDAQ
$18.27 52W Range $21.6
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
4.59
ROE
9.7%
Profit margin
38.8%
Debt/Equity
N/A
Dividend yield
7.38%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
MBINN presents as a classic value trap, characterized by a critically weak Piotroski F-Score of 2/9 indicating severe fundamental deterioration. While the stock trades at a deep discount to its Graham Number ($61.29) and Intrinsic Value ($31.01), this valuation is offset by alarming negative growth trends in both revenue (-17.60%) and earnings (-30.60%). The combination of a bearish technical trend (0/100) and weak insider sentiment suggests a lack of confidence in a near-term turnaround. Despite the high dividend yield, the underlying financial health is too fragile to support a bullish outlook.

Key Strengths

Extremely low P/E ratio of 4.59
Trading significantly below book value (P/B 0.54)
High dividend yield of 7.38%
Strong profit margins (38.81%)
Positive long-term price performance (5Y Change +9.9%)

Key Risks

Critical fundamental weakness (Piotroski F-Score 2/9)
Sharp decline in YoY earnings (-30.60%)
Negative revenue growth (-17.60%)
Bearish technical trend (0/100)
Potential dividend instability given earnings contraction
AI Fair Value Estimate
Based on comprehensive analysis
$25.5
+25.4% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
47
Moderate
Value
90
Future
15
Past
60
Health
20
Dividend
50
AI Verdict
Value Trap
Key drivers: Severe fundamental health decline, Negative growth trajectory, Deep valuation discount
Confidence
90%
Value
90/100

Stock is mathematically undervalued based on assets and earnings, but the market is pricing in deterioration.

Positives
  • P/E 4.59
  • P/B 0.54
  • Graham Number $61.29
Watchpoints
  • Value is not being realized by the market
Future
15/100

Consistent negative growth across YoY and Q/Q metrics.

Positives
No standout positives identified.
Watchpoints
  • Revenue Growth -17.60%
  • Earnings Growth -30.60%
Past
60/100

Historical returns were positive, but recent trends are decoupling from past performance.

Positives
  • 1Y Change +14.2%
  • 3Y Change +17.7%
Watchpoints
  • Recent 6M momentum has stalled
Health
20/100

The F-Score indicates a high risk of continued financial decline.

Positives
  • Positive ROA (1.14%)
Watchpoints
  • Piotroski F-Score 2/9
Dividend
50/100

Yield is attractive, but sustainability is questionable given the earnings drop.

Positives
  • High yield 7.38%
Watchpoints
  • Dividend Strength score 40/100

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$20.33

Multi-Horizon Performance vs Peers

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

Updated 2026-04-13
MBI
Merchants Bancorp
Primary
5Y
+9.9%
3Y
+17.7%
1Y
+14.2%
6M
+0.9%
1M
+1.4%
1W
+2.4%

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
4.59
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.54
P/S Ratio
N/A
EV/Revenue
7.9
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 MBINN against 404 companies in the Financial Services sector (68 bullish, 175 neutral, 161 bearish)
P/E Ratio
4.59
This Stock
vs
49.16
Sector Avg
-90.7% (Discount)
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

Beck, Mack & Oliver LLC
99,359 shares • 2025-12-31

Past News Coverage

Recent headlines mentioning MBINN from our newsroom.

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