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Manhattan Bridge Capital
(NASDAQ:LOAN)
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Rating:71Outperform
Price Target:
$4.00
▼(-1.23% Downside)
Action:Upgraded
Date:10/09/26
The score is driven primarily by strong financial quality (high profitability and low reported leverage) and attractive valuation (low P/E and high dividend yield). These positives are tempered by weak technicals (price below major moving averages and negative MACD), indicating poor near-term momentum, while the expanded buyback authorization provides a modest additional support.
Positive Factors
High profitability
Consistently high net margins indicate that Manhattan Bridge Capital converts its lending revenue into substantial earnings. This profitability provides a durable buffer against moderate changes in loan production or funding costs and supports continued capital allocation to shareholders.
Negative Factors
Revenue contraction
Repeated revenue contraction points to slower growth in originations or earning assets, or possible pricing pressure in the lending portfolio. If this persists over the next several quarters, it could limit earnings expansion and reduce the operating base supporting the company’s strong margins.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability
Consistently high net margins indicate that Manhattan Bridge Capital converts its lending revenue into substantial earnings. This profitability provides a durable buffer against moderate changes in loan production or funding costs and supports continued capital allocation to shareholders.
Read all positive factors
Manhattan Bridge Capital (LOAN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$39.08M
Dividend Yield13.13%
Average Volume (3M)43.15K
Price to Earnings (P/E)8.1
Beta (1Y)-0.04
Revenue Growth-12.38%
EPS Growth-13.43%
CountryUS
Employees6
SectorReal Estate
Sector Strength53
IndustryREIT - Mortgage
Share Statistics
EPS (TTM)0.42
Shares Outstanding11,425,509
10 Day Avg. Volume55,637
30 Day Avg. Volume43,148
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 Cap1.52
Enterprise Value/Revenue7.27
Enterprise Value/Gross Profit8.99
Enterprise Value/Ebitda12.49
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
72
Positive
Balance Sheet
80
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 8.16M | 8.68M | 9.70M | 9.83M | 8.58M | 6.82M |
| Gross Profit | 6.60M | 6.93M | 7.37M | 7.30M | 6.76M | 5.77M |
| EBITDA | 4.75M | 5.12M | 5.60M | 5.48M | 5.21M | 4.43M |
| Net Income | 4.75M | 5.11M | 5.59M | 5.48M | 5.21M | 4.42M |
Balance Sheet | ||||||
| Total Assets | 63.99M | 62.35M | 67.93M | 76.43M | 76.28M | 67.21M |
| Cash, Cash Equivalents and Short-Term Investments | 229.55K | 204.89M | 178.01K | 1.69M | 103.54K | 142.55K |
| Total Debt | 19.39M | 17.76M | 22.55M | 31.20M | 31.02M | 21.65M |
| Total Liabilities | 21.00M | 19.25M | 24.66M | 33.50M | 33.42M | 23.82M |
| Stockholders Equity | 42.99M | 43.10M | 43.27M | 42.93M | 42.86M | 43.39M |
Cash Flow | ||||||
| Free Cash Flow | 5.13M | 4.93M | 4.93M | 5.39M | 5.16M | 4.60M |
| Operating Cash Flow | 5.13M | 4.93M | 4.93M | 5.40M | 5.17M | 4.60M |
| Investing Cash Flow | 3.47M | 5.31M | 7.55M | 1.64M | -8.77M | -7.62M |
| Financing Cash Flow | -8.53M | -10.22M | -13.97M | -5.45M | 3.56M | 2.70M |
Manhattan Bridge Capital Technical Analysis
Negative
4.05
Price Trends
3.77
Negative
3.94
Negative
4.03
Negative
Market Momentum
-0.10
Negative
42.53
Neutral
51.39
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 3.55, above the 50-day MA of 3.77, and above the 200-day MA of 4.03, indicating a bearish trend. The MACD of -0.10 indicates Negative momentum. The RSI at 42.53 is Neutral, neither overbought nor oversold. The STOCH value of 51.39 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | $39.08M | 8.11 | 11.14% | 13.13% | -12.38% | -13.43% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
61 Neutral | $137.53M | 9.06 | 3.78% | 18.45% | -2.38% | -35.43% | |
59 Neutral | $92.00M | 14.14 | 7.07% | 16.00% | -13.80% | ― | |
47 Neutral | $39.72M | -3.15 | -4.70% | 14.49% | 69.76% | 71.12% | |
47 Neutral | $22.75M | -0.24 | -15.12% | 14.81% | -25.30% | 5.00% | |
43 Neutral | $22.39M | -1.19 | -6.31% | 37.83% | -22.88% | -293.89% |
* Real Estate Sector Average
LOAN
Manhattan Bridge Capital
3.49
-1.23
-26.07%
SEVN
Seven Hills Realty Trust
6.17
-2.79
-31.11%
LFT
Lument Finance Trust
4.27
-11.18
-72.37%
CHMI
Cherry Hill Mortgage
2.54
0.46
22.41%
SACH
Sachem Capital
0.82
-0.14
-14.70%
GPMT
Granite Point Mortgage
4.82
-20.38
-80.88%
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.