Manhattan Bridge Capital (LOAN) AI Stock Analysis

• Market Cap: $56.96M
• Dividend Yield: 9.4%
• Average Volume (3M): 34.57K
• Price to Earnings (P/E): 10.8
• 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: 1.49
• 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: 74 Outperform
• Price Target: $5.50 ▲(12.47% Upside)

Manhattan Bridge Capital's strong financial performance and attractive valuation are key strengths, supported by a high dividend yield and no debt. The share buyback program further boosts confidence. However, technical indicators suggest a bearish trend, and potential liquidity issues require attention.

Positive Factors

No Debt

Having no debt enhances financial stability and flexibility, allowing the company to navigate economic challenges and invest in growth opportunities without the burden of interest payments.

High Profit Margins

High profit margins indicate efficient operations and pricing power, which contribute to strong profitability and the ability to reinvest in business growth.

Share Buyback Program

The share buyback program reflects management's confidence in the company's future and can enhance shareholder value by reducing the number of shares outstanding.

Negative Factors

Revenue Decline

A decline in revenue growth can signal challenges in maintaining market position or demand, potentially impacting long-term profitability and business expansion.

Liquidity Challenges

Reduced liquidity can limit the company's ability to meet short-term obligations and invest in growth, posing a risk to financial stability.

EBIT Loss in 2024

An EBIT loss indicates operational challenges and can affect profitability, requiring strategic adjustments to improve financial performance.

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: Neutral
• Last Price: 4.89
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 4.89 is above the 20-day moving average (MA) of 4.66, below the 50-day MA of 4.97, and below the 200-day MA of 5.13, indicating a neutral trend. The MACD of -0.04 indicates Negative momentum. The RSI at 57.52 is Neutral, neither overbought nor oversold. The STOCH value of 76.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for LOAN.

Manhattan Bridge Capital Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LOAN	74 Outperform	$56.96M	10.76	12.23%	9.40%	-8.80%	-5.99%
SEVN	66 Neutral	$141.62M	9.06	5.72%	13.43%	-18.06%	-18.94%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
LFT	57 Neutral	$73.83M	14.58	4.14%	24.31%	-31.69%	-72.10%
CHMI	54 Neutral	$91.11M	129.17	4.55%	21.40%	22.14%	―
GPMT	49 Neutral	$124.17M	-1.23	-9.11%	7.33%	-28.13%	62.49%
SACH	47 Neutral	$50.18M	-1.16	-16.33%	18.35%	-63.70%	-325.57%

Manhattan Bridge Capital Corporate Events

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.

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.

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.