Manhattan Bridge Capital Inc (LOAN)
NASDAQ:LOAN
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Manhattan Bridge Capital
(NASDAQ:LOAN)
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Rating:69Neutral
Price Target:
$5.00
▲(3.09% Upside)
Action:DowngradedDate:01/13/26
The score is driven primarily by solid underlying financial performance (strong profitability and improved leverage profile) and favorable valuation (low P/E and high dividend yield). These positives are partially offset by weak technical momentum (below major moving averages with negative MACD and low RSI/Stoch), while recent corporate events are supportive due to improved financing flexibility and the announced buyback.
Positive Factors
Strong Financial Position
Having no debt enhances financial stability and flexibility, allowing the company to navigate market fluctuations and invest in growth opportunities without the burden of interest obligations.
Negative Factors
Revenue Decline
A decline in revenue growth can signal challenges in maintaining market share or demand, potentially impacting future profitability and strategic initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Financial Position
Having no debt enhances financial stability and flexibility, allowing the company to navigate market fluctuations and invest in growth opportunities without the burden of interest obligations.
Read all positive factors
Manhattan Bridge Capital (LOAN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$49.76M
Dividend Yield9.28%
Average Volume (3M)34.57K
Price to Earnings (P/E)13.1
Beta (1Y)0.01
Revenue Growth-8.80%
EPS Growth-5.99%
CountryUS
Employees6
SectorReal Estate
Sector Strength53
IndustryREIT - Mortgage
Share Statistics
EPS (TTM)N/A
Shares Outstanding11,438,651
10 Day Avg. Volume64,809
30 Day Avg. Volume34,570
Financial Highlights & Ratios
PEG Ratio5.50
Price to Book (P/B)1.48
Price to Sales (P/S)6.61
P/FCF Ratio13.00
Enterprise Value/Market Cap1.30
Enterprise Value/Revenue8.58
Enterprise Value/Gross Profit8.59
Enterprise Value/Ebitda53.15
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.48
Revenue Forecast (FY)N/A
Manhattan Bridge Capital Business Overview & Revenue Model
Company Description
Manhattan Bridge Capital, Inc. is a real estate finance company that specializes in providing short-term, asset-based loans secured by real estate. Operating primarily in the real estate sector, the company focuses on funding the needs of property...
How the Company Makes Money
Manhattan Bridge Capital generates revenue primarily through interest income earned on the loans it provides. The company lends money to real estate investors and developers, typically for short-term periods, and charges interest rates that reflec...
Manhattan Bridge Capital Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
74
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 7.56M | 9.69M | 7.30M | 6.76M | 5.77M | 5.66M |
| Gross Profit | 7.55M | 7.37M | 7.27M | 6.75M | 5.76M | 5.66M |
| EBITDA | 1.22M | 7.92M | 7.97M | 7.02M | 5.45M | 5.57M |
| Net Income | 5.29M | 5.59M | 5.48M | 5.21M | 4.42M | 4.23M |
Balance Sheet | ||||||
| Total Assets | 59.99M | 67.93M | 76.43M | 76.28M | 67.21M | 59.84M |
| Cash, Cash Equivalents and Short-Term Investments | 186.44K | 178.01K | 1.69M | 103.54K | 142.55K | 131.65K |
| Total Debt | 15.31M | 22.55M | 31.20M | 31.02M | 21.65M | 26.28M |
| Total Liabilities | 16.67M | 24.66M | 33.50M | 33.42M | 23.82M | 27.88M |
| Stockholders Equity | 43.32M | 43.27M | 42.93M | 42.86M | 43.39M | 31.96M |
Cash Flow | ||||||
| Free Cash Flow | 4.73M | 4.93M | 5.60M | 5.16M | 4.60M | 4.21M |
| Operating Cash Flow | 4.73M | 4.93M | 5.61M | 5.17M | 4.60M | 4.22M |
| Investing Cash Flow | 10.68M | 7.55M | 1.43M | -8.77M | -7.62M | -4.61M |
| Financing Cash Flow | -15.38M | -13.97M | -5.45M | 3.56M | 2.70M | 726.24K |
Manhattan Bridge Capital Technical Analysis
Neutral
4.85
Price Trends
4.43
Negative
4.59
Negative
4.93
Negative
Market Momentum
-0.04
Negative
49.24
Neutral
65.57
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LOAN, the sentiment is Neutral. The current price of 4.85 is above the 20-day moving average (MA) of 4.32, above the 50-day MA of 4.43, and below the 200-day MA of 4.93, indicating a neutral trend. The MACD of -0.04 indicates Negative momentum. The RSI at 49.24 is Neutral, neither overbought nor oversold. The STOCH value of 65.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for LOAN.
Manhattan Bridge Capital Risk Analysis
Manhattan Bridge Capital disclosed 55 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 |
|---|---|---|---|---|---|---|---|
69 Neutral | $49.76M | 13.06 | 12.22% | 9.28% | -8.80% | -5.99% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
65 Neutral | $186.65M | 7.07 | 5.46% | 13.82% | -18.06% | -18.94% | |
55 Neutral | $100.67M | -25.12 | 2.95% | 21.65% | 22.14% | ― | |
55 Neutral | $45.84M | 4.84 | 3.56% | 19.80% | -63.70% | -325.57% | |
46 Neutral | $66.02M | -2.38 | -1.20% | 23.03% | -31.69% | -72.10% | |
45 Neutral | $69.92M | -2.79 | -7.12% | 7.97% | -28.13% | 62.49% |
* Real Estate Sector Average
LOAN
Manhattan Bridge Capital
4.35
-1.13
-20.62%
SEVN
Seven Hills Realty Trust
8.26
-3.18
-27.77%
LFT
Lument Finance Trust
1.26
-1.29
-50.53%
CHMI
Cherry Hill Mortgage
2.74
-0.37
-11.90%
SACH
Sachem Capital
0.96
0.08
9.14%
GPMT
Granite Point Mortgage
1.47
-1.03
-41.15%
Manhattan Bridge Capital Corporate Events
Business Operations and StrategyPrivate Placements and Financing
Manhattan Bridge Capital Redeems Senior Secured Notes
Positive
Dec 16, 2025
On December 12, 2025, MBC Funding II, a subsidiary of Manhattan Bridge Capital, secured a $10 million line of credit from Valley National Bank. This agreement includes a line of credit note and a security agreement, with Mr. Assaf Ran providing a ...
Business Operations and StrategyPrivate Placements and Financing
MBC Funding II Completes Redemption of Senior Notes
Positive
Dec 16, 2025
On December 12, 2025, MBC Funding II, a subsidiary of Manhattan Bridge Capital, secured a $10 million line of credit from Valley National Bank. This credit facility allows MBC Funding II to borrow, repay, and reborrow funds up to the specified lim...
Delistings and Listing ChangesPrivate Placements and Financing
Manhattan Bridge Capital Announces Note Redemption
Neutral
Nov 26, 2025
MBC Funding II, a subsidiary of Manhattan Bridge Capital, has announced the redemption of its 6.00% Senior Secured Notes, originally issued in 2016, with a principal amount of $6,000,000. The redemption will occur on December 15, 2025, at a price ...
Delistings and Listing ChangesPrivate Placements and Financing
Manhattan Bridge Capital to Redeem Senior Secured Notes
Neutral
Nov 26, 2025
MBC Funding II, a subsidiary of Manhattan Bridge Capital, announced the redemption of its 6.00% Senior Secured Notes, originally issued in 2016 with a principal amount of $6,000,000. The redemption is set for December 15, 2025, at a price equal to...
Stock Buyback
Manhattan Bridge Capital Announces Share Buyback Program
Positive
Nov 20, 2025
On November 20, 2025, Manhattan Bridge Capital, Inc. announced a share buyback program authorized by its Board of Directors, allowing the repurchase of up to 100,000 common shares over the next twelve months. The decision to implement the buyback ...
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.