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Company Analysis

Manhattan Bridge Capital, Inc LOAN

A comprehensive view of key metrics, scores, and financial health for Manhattan Bridge Capital, Inc

Overview of Manhattan Bridge Capital, Inc.

LOAN NCM
Real Estate REIT - Mortgage Framework: Mortgage REITs Micro Cap
Manhattan Bridge Capital, Inc. (LOAN), is a Micro Cap company, in the REIT - Mortgage industry, last closed at $3.42, about 13.5% undervalued vs fair value, -30.6% 1Y return, ranked 129/338 in sector.
Metrics P/E 10.4× Rev Growth -6.0% ROE 11.8% Div Yield 9.89%
USD 3.42
0.00%
(Delayed)
• Vol 90d: 32.2%
52-Week Range
Market Cap
$38.80M
Enterprise Value
$55.83M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 88%
Confidence: 92%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

Website https://www.manhattanbridgecap...
HQ Great Neck, NY
Employees 6
Fiscal year Dec 31

Next Events

Dividend Jan 15 Ex-div: Dec 31

Fair Value Snapshot

Bear Base Bull
$2
$4
$7
Current: $3.42 +14% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$7.2M
-10.8%%
Interest Expense
$1.8M
Net Interest Income
$5.4M
-5.1%%
Total Revenue
$6.9M
-6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.9%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$5.3M
103.5% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Lender Specialized

Competitive Advantage Assessment

Evaluating Manhattan Bridge Capital, Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
65
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Equity Cushion Equity cushion is strong (score 0.88).
  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.82).

Key risks

  • Operational Inefficiency Operational efficiency lags peers (score 0.29).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.29).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Funding & Return Stability

Moderate
71
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Signals, strengths and risks for Funding & Return Stability

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing LOAN's balance between Growth (16.5%), Profitability (40.2%), and Safety (43.3%). Growth 17% Safety 43% Profitability 40%

Click axes to expand details. Marker shows current allocation.

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Growth

31th percentile vs peers
31
Key Signals
EPS Growth YoY -8.6% 47p NII Growth YoY -5.1% 28p Equity Growth YoY -0.4% 45p Asset Growth YoY -7.4% 16p
Strengths
  • Net Interest Margin in top 20% of peers (8.7%, 95th percentile)
  • ROA in top 20% of peers (7.9%, 96th percentile)
  • Equity/Assets in top 20% of peers (69.1%, 96th percentile)
  • Financial Leverage in top 20% of peers (1.50, 97th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-7.4%)
  • Growth below peer median (percentile: 31)

Profitability

76th percentile vs peers
76
Key Signals
Strengths
Risks
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Safety

82th percentile vs peers
82
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Manhattan Bridge Capital, Inc.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$3.88
- - -
+13.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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