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Manhattan Bridge Capital
(NASDAQ:LOAN)
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Rating:67Neutral
Price Target:
$4.00
▼(-1.23% Downside)
Action:Downgraded
Date:10/23/26
The score is driven primarily by solid financial fundamentals (strong margins, improved leverage, and good cash conversion) and attractive valuation (low P/E and high dividend yield). These positives are partly offset by weak technicals (price below key moving averages with negative MACD) and some inconsistency in revenue and cash flow growth, while the expanded buyback authorization provides a modest additional support.
Positive Factors
High profitability and cash-backed earnings
The very high net margin indicates strong earnings power within the mortgage REIT model, while operating cash flow that closely tracks net income supports earnings quality. Together, these traits provide a durable base for dividends, lending activity, and balance-sheet management over the next several quarters.
Negative Factors
Uneven revenue growth
Recent TTM improvement has not yet established a consistent growth pattern because the two preceding annual periods contracted. This uneven trajectory makes future revenue and earnings less predictable and suggests results remain dependent on changing lending demand and market conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability and cash-backed earnings
The very high net margin indicates strong earnings power within the mortgage REIT model, while operating cash flow that closely tracks net income supports earnings quality. Together, these traits provide a durable base for dividends, lending activity, and balance-sheet management over the next several quarters.
Read all positive factors
Manhattan Bridge Capital (LOAN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$39.49M
Dividend Yield12.79%
Average Volume (3M)45.13K
Price to Earnings (P/E)8.3
Beta (1Y)-0.04
Revenue Growth-9.48%
EPS Growth-9.46%
CountryUS
Employees6
SectorReal Estate
Sector Strength53
IndustryREIT - Mortgage
Share Statistics
EPS (TTM)0.42
Shares Outstanding11,347,523
10 Day Avg. Volume46,665
30 Day Avg. Volume45,132
Financial Highlights & Ratios
PEG Ratio-1.27
Price to Book (P/B)1.23
Price to Sales (P/S)6.13
P/FCF Ratio10.79
Enterprise Value/Market Cap1.50
Enterprise Value/Revenue7.26
Enterprise Value/Gross Profit8.43
Enterprise Value/Ebitda11.51
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)0.42
Revenue Forecast (FY)N/A
Manhattan Bridge Capital Business Overview & Revenue Model
Company Description
Manhattan Bridge Capital, Inc. (MBC) functions as a dedicated real estate financing firm, actively originating, servicing, and overseeing a diverse portfolio of first-position mortgage loans across the United States. The company extends short-dura...
How the Company Makes Money
Manhattan Bridge Capital primarily makes money from the net interest income it earns on its loan portfolio. (1) Interest income: The core revenue stream is interest charged on short-term, first-lien mortgage loans; borrowers pay interest over the ...
Manhattan Bridge Capital Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
70
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 8.17M | 8.68M | 9.70M | 9.83M | 8.58M | 6.82M |
| Gross Profit | 7.04M | 6.93M | 7.37M | 7.30M | 6.76M | 5.77M |
| EBITDA | 5.15M | 5.12M | 5.60M | 5.48M | 5.21M | 4.43M |
| Net Income | 4.79M | 5.11M | 5.59M | 5.48M | 5.21M | 4.42M |
Balance Sheet | ||||||
| Total Assets | 61.48M | 62.35M | 67.93M | 76.43M | 76.28M | 67.21M |
| Cash, Cash Equivalents and Short-Term Investments | 168.09K | 204.89M | 178.01K | 1.69M | 103.54K | 142.55K |
| Total Debt | 17.10M | 17.76M | 22.55M | 31.20M | 31.02M | 21.65M |
| Total Liabilities | 18.69M | 19.25M | 24.66M | 33.50M | 33.42M | 23.82M |
| Stockholders Equity | 42.79M | 43.10M | 43.27M | 42.93M | 42.86M | 43.39M |
Cash Flow | ||||||
| Free Cash Flow | 5.07M | 4.93M | 4.93M | 5.39M | 5.16M | 4.60M |
| Operating Cash Flow | 5.07M | 4.93M | 4.93M | 5.40M | 5.17M | 4.60M |
| Investing Cash Flow | -1.60M | 5.31M | 7.55M | 1.64M | -8.77M | -7.62M |
| Financing Cash Flow | -3.46M | -10.22M | -13.97M | -5.45M | 3.56M | 2.70M |
Manhattan Bridge Capital Technical Analysis
Negative
4.05
Price Trends
3.75
Negative
3.93
Negative
4.03
Negative
Market Momentum
-0.10
Negative
41.91
Neutral
59.72
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LOAN, the sentiment is Negative. The current price of 4.05 is above the 20-day moving average (MA) of 3.53, above the 50-day MA of 3.75, and above the 200-day MA of 4.03, indicating a bearish trend. The MACD of -0.10 indicates Negative momentum. The RSI at 41.91 is Neutral, neither overbought nor oversold. The STOCH value of 59.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for LOAN.
Manhattan Bridge Capital Risk Analysis
Manhattan Bridge Capital disclosed 46 risk factors in its most recent earnings report. Manhattan Bridge Capital reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Manhattan Bridge Capital Peers Comparison
UnderperformOutperform
Sector (65)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
67 Neutral | $39.49M | 8.32 | 11.14% | 12.79% | -9.48% | -9.46% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
61 Neutral | $140.36M | 9.25 | 3.78% | 18.08% | -2.38% | -35.43% | |
59 Neutral | $94.59M | 14.48 | 7.07% | 15.62% | -13.80% | ― | |
47 Neutral | $39.08M | -3.08 | -4.70% | 14.74% | 69.76% | 71.12% | |
47 Neutral | $23.28M | -0.24 | -15.12% | 14.50% | -25.30% | 5.00% | |
43 Neutral | $22.34M | -1.19 | -6.31% | 37.65% | -22.88% | -293.89% |
* Real Estate Sector Average
LOAN
Manhattan Bridge Capital
3.48
-1.11
-24.12%
SEVN
Seven Hills Realty Trust
6.20
-2.51
-28.83%
LFT
Lument Finance Trust
4.25
-10.39
-70.97%
CHMI
Cherry Hill Mortgage
2.56
0.50
24.39%
SACH
Sachem Capital
0.81
-0.16
-16.51%
GPMT
Granite Point Mortgage
4.83
-20.73
-81.11%
Manhattan Bridge Capital Corporate Events
Business Operations and StrategyStock Buyback
Manhattan Bridge Capital Expands Share Repurchase Authorization
Positive
Oct 9, 2026
On October 9, 2026, Manhattan Bridge Capital announced that its Board of Directors approved a substantial increase in the number of common shares authorized for repurchase under its existing buyback program, raising the cap from 100,000 to 250,000...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.