Manhattan Bridge Capital (LOAN) AI Stock Analysis

• Market Cap: $52.39M
• Dividend Yield: 9.28%
• Average Volume (3M): 34.57K
• Price to Earnings (P/E): 9.9
• Beta (1Y): >-0.01
• Revenue Growth: -8.80%
• EPS Growth: -5.99%
• Country: US
• Employees: 6
• Sector: Real Estate
• Sector Strength: 53
• Industry: REIT - Mortgage
• EPS (TTM): 0.11
• Shares Outstanding: 11,438,651
• 10 Day Avg. Volume: 64,809
• 30 Day Avg. Volume: 34,570
• PEG Ratio: 5.50
• Price to Book (P/B): 1.48
• Price to Sales (P/S): 6.61
• P/FCF Ratio: 13.00
• Enterprise Value/Market Cap: 1.62
• Enterprise Value/Revenue: 11.24
• Enterprise Value/Gross Profit: 15.39
• Enterprise Value/Ebitda: 69.64
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: $5.00 ▲(3.09% Upside)

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.

High Profit Margins

High profit margins indicate efficient operations and pricing power, contributing to robust profitability and the ability to withstand competitive pressures.

Proactive Financial Management

Redeeming senior notes reduces interest expenses and financial risk, showcasing strong management practices and enhancing long-term financial health.

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.

Liquidity Challenges

Reduced cash reserves may limit the company's ability to meet short-term obligations and invest in growth, posing a risk to operational stability.

Substantial EBIT Loss

An EBIT loss indicates operational inefficiencies or increased costs, which could undermine profitability and require strategic adjustments to restore financial health.

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 owners and developers, offering a range of financial products that facilitate real estate investment and development activities. Through its lending operations, Manhattan Bridge Capital aims to deliver attractive risk-adjusted returns to its investors while contributing to the growth of the real estate market.

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 reflect the risk profile of the loans. Additionally, the company may earn fees associated with the origination of loans, which can include application fees, processing fees, and other service-related charges. The revenue model is heavily reliant on the volume of loans originated and the prevailing interest rates in the market. Partnerships with real estate professionals and networks allow the company to source quality loan opportunities, which can enhance its earnings potential. Furthermore, the company's focus on asset-backed lending mitigates risk, contributing to a more stable income stream.

Manhattan Bridge Capital Financial Statement Overview

Summary

Manhattan Bridge Capital demonstrates strong revenue growth and profitability, with impressive margins and no debt in the latest period, which is commendable for a mortgage REIT. While the balance sheet and cash flow statements reflect stability, the substantial EBIT loss in 2024 warrants attention. Overall, the company is on a solid financial footing, but potential liquidity constraints and cash outflows need careful management.

Income Statement

The income statement shows strong revenue growth over the years, with a notable increase in total revenue from $5.77 million in 2021 to $8.35 million in TTM 2025. Gross profit margins are consistently high, nearing 100%, which is typical for the REIT industry. The net profit margin has improved to 65.7% in TTM 2025, indicating enhanced profitability. However, there was a significant EBIT loss in 2024, which should be monitored.

Balance Sheet

The balance sheet is solid, with no debt reported in TTM 2025, showcasing a strong financial position. The equity ratio remains stable around 66%, indicating a well-capitalized company. Return on equity (ROE) is impressive at 12.7% in TTM 2025, reflecting efficient use of shareholder funds. However, a decrease in cash and equivalents compared to 2024 suggests potential liquidity challenges.

Cash Flow

The cash flow statement indicates a stable operating cash flow, with a slight decline in free cash flow in TTM 2025 compared to 2024. The operating cash flow to net income ratio remains healthy, indicating good cash generation relative to earnings. However, the high financing cash outflow suggests significant dividend payments or debt repayments that should be monitored for sustainability.

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	5.52M	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	0.00	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

• Technical Analysis Sentiment: Negative
• Last Price: 4.85
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 4.85 is above the 20-day moving average (MA) of 4.75, above the 50-day MA of 4.75, and below the 200-day MA of 5.07, indicating a bearish trend. The MACD of -0.07 indicates Positive momentum. The RSI at 34.47 is Neutral, neither overbought nor oversold. The STOCH value of 20.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for LOAN.

Manhattan Bridge Capital Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LOAN	69 Neutral	$52.39M	9.89	12.23%	9.28%	-8.80%	-5.99%
SEVN	66 Neutral	$202.03M	8.73	5.72%	13.82%	-18.06%	-18.94%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
CHMI	57 Neutral	$97.36M	138.02	4.55%	21.65%	22.14%	―
LFT	53 Neutral	$74.88M	14.79	4.14%	23.03%	-31.69%	-72.10%
SACH	51 Neutral	$50.08M	-1.31	-16.33%	19.80%	-63.70%	-325.57%
GPMT	46 Neutral	$106.66M	-1.52	-9.11%	7.97%	-28.13%	62.49%

Manhattan Bridge Capital Corporate Events

Manhattan Bridge Capital Redeems Senior Secured Notes

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 limited guaranty. The credit facility allows MBC Funding II to borrow, repay, and reborrow amounts up to $10 million, subject to certain conditions. Additionally, on December 15, 2025, MBC Funding II redeemed all outstanding 6.00% Senior Secured Notes, totaling $6 million, marking a significant step in managing its financial obligations.

The most recent analyst rating on (LOAN) stock is a Buy with a $5.50 price target. To see the full list of analyst forecasts on Manhattan Bridge Capital stock, see the LOAN Stock Forecast page.

MBC Funding II Completes Redemption of Senior Notes

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 limit, subject to certain conditions. The facility includes a floating interest rate and various financial covenants. Additionally, on December 15, 2025, MBC Funding II completed the redemption of all outstanding 6.00% Senior Secured Notes, amounting to $6 million, marking a significant financial restructuring for the company.

The most recent analyst rating on (LOAN) stock is a Buy with a $5.50 price target. To see the full list of analyst forecasts on Manhattan Bridge Capital stock, see the LOAN Stock Forecast page.

Manhattan Bridge Capital Announces Note Redemption

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 equal to the outstanding principal plus accrued interest, after which the Notes will no longer be listed on the NYSE American.

The most recent analyst rating on (LOAN) stock is a Hold with a $5.00 price target. To see the full list of analyst forecasts on Manhattan Bridge Capital stock, see the LOAN Stock Forecast page.

Manhattan Bridge Capital to Redeem Senior Secured Notes

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 the outstanding principal plus accrued interest, after which the Notes will no longer be listed on the NYSE American.

The most recent analyst rating on (LOAN) stock is a Hold with a $5.00 price target. To see the full list of analyst forecasts on Manhattan Bridge Capital stock, see the LOAN Stock Forecast page.

Manhattan Bridge Capital Announces Share Buyback Program

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 reflects the company’s confidence in its business and future prospects, especially in light of a recent decline in its stock price, highlighting its low leverage and strong management commitment.

The most recent analyst rating on (LOAN) stock is a Hold with a $5.00 price target. To see the full list of analyst forecasts on Manhattan Bridge Capital stock, see the LOAN Stock Forecast page.