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Manhattan Bridge Capital
(NASDAQ:LOAN)
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Rating:67Neutral
Price Target:
$4.50
▲(13.35% Upside)
Action:Downgraded
Date:07/24/26
The score is primarily supported by solid underlying financial performance (strong profitability and a currently low-leverage balance sheet) and favorable valuation metrics (low P/E and high dividend yield). These positives are tempered by weak technicals (trading below major moving averages with bearish momentum) and recent revenue softness that raises growth concerns.
Positive Factors
High net margins
Consistently very high net margins (around 58% TTM and 58–77% historically) indicate durable earnings power from the core lending business. Such margin sustainability supports reinvestment, dividend capacity, and resilience to moderate revenue swings over the next several months.
Negative Factors
Declining revenue
Two consecutive annual revenue declines and negative TTM growth signal reduced origination or pricing pressure in the core lending franchise. For a lender reliant on continuously deploying capital into short-term loans, sustained top-line contraction can constrain earnings growth and footprint expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
High net margins
Consistently very high net margins (around 58% TTM and 58–77% historically) indicate durable earnings power from the core lending business. Such margin sustainability supports reinvestment, dividend capacity, and resilience to moderate revenue swings over the next several months.
Read all positive factors
Manhattan Bridge Capital (LOAN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$47.53M
Dividend Yield10.82%
Average Volume (3M)34.57K
Price to Earnings (P/E)9.9
Beta (1Y)-0.02
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. Volume64,809
30 Day Avg. Volume34,570
Financial Highlights & Ratios
PEG Ratio-1.27
Price to Book (P/B)1.23
Price to Sales (P/S)6.13
P/FCF Ratio0.01
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)0.44
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 through interest income earned on the short-term loans it originates. Borrowers pay contractual interest on outstanding principal balances, and this interest revenue is the company’s main recurring ea...
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 | 4.93B | 4.93M | 5.39M | 5.16M | 4.60M |
| Operating Cash Flow | 5.13M | 4.93B | 4.93M | 5.40M | 5.17M | 4.60M |
| Investing Cash Flow | 3.47M | 5.31B | 7.55M | 1.64M | -8.77M | -7.62M |
| Financing Cash Flow | -8.53M | -10.22B | -13.97M | -5.45M | 3.56M | 2.70M |
Manhattan Bridge Capital Technical Analysis
Negative
3.97
Price Trends
4.24
Negative
4.24
Negative
4.32
Negative
Market Momentum
-0.04
Positive
44.72
Neutral
68.99
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 3.97 is below the 20-day moving average (MA) of 4.20, below the 50-day MA of 4.24, and below the 200-day MA of 4.32, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 44.72 is Neutral, neither overbought nor oversold. The STOCH value of 68.99 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 | $47.53M | 9.95 | 11.02% | 11.34% | -12.38% | -13.43% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
64 Neutral | $170.83M | 11.27 | 3.78% | 14.13% | -2.38% | -35.43% | |
58 Neutral | $83.03M | 20.16 | 6.09% | 17.70% | -7.99% | ― | |
47 Neutral | $34.60M | -5.15 | -0.90% | 20.03% | -28.61% | -164.74% | |
46 Neutral | $39.08M | -7.67 | -0.39% | 20.00% | 49.86% | 89.23% | |
45 Neutral | $69.00M | -1.33 | -6.46% | 15.04% | -23.52% | 64.81% |
* Real Estate Sector Average
LOAN
Manhattan Bridge Capital
4.12
-0.96
-18.98%
SEVN
Seven Hills Realty Trust
7.72
-1.33
-14.65%
LFT
Lument Finance Trust
0.68
-1.33
-66.34%
CHMI
Cherry Hill Mortgage
2.39
0.01
0.59%
SACH
Sachem Capital
0.83
-0.18
-17.66%
GPMT
Granite Point Mortgage
1.25
-1.32
-51.36%
Manhattan Bridge Capital Corporate Events
Executive/Board ChangesShareholder Meetings
Manhattan Bridge Capital Shareholders Approve Directors and Auditors
Positive
Jun 18, 2026
At its 2026 Annual Meeting of Shareholders held on June 18, 2026, Manhattan Bridge Capital, Inc. shareholders voted to elect all nominated directors, including Assaf Ran, Lyron Bentovim, Eran Goldshmit, Michael Jackson, Vanessa Kao and Phillip Mic...
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.