Manhattan Bridge Capital Inc (LOAN)
NASDAQ:LOAN
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Manhattan Bridge Capital
(NASDAQ:LOAN)
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Rating:70Outperform
Price Target:
$5.00
▲(3.09% Upside)
Action:ReiteratedDate:04/16/26
The score is driven primarily by strong profitability and improving leverage, supported by favorable valuation (low P/E and solid dividend yield). Technicals are moderately positive with price above key short-to-mid-term averages, while financial data inconsistencies (cash flow/debt reporting) temper the overall rating.
Positive Factors
High profitability and margins
Consistently very high gross and net margins and steady net income (~$5.0–$5.6M historically) indicate durable earnings power for the mortgage REIT. Strong margins provide structural buffer versus credit losses and support dividends and reinvestment over the next several quarters.
Negative Factors
Uneven revenue growth / recent declines
Top-line volatility and multi-year revenue declines indicate sensitivity to origination volumes and spread compression. For a lender whose earnings depend on loan flow and redeployment, uneven revenue undermines predictable growth and constrains balance sheet expansion over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability and margins
Consistently very high gross and net margins and steady net income (~$5.0–$5.6M historically) indicate durable earnings power for the mortgage REIT. Strong margins provide structural buffer versus credit losses and support dividends and reinvestment over the next several quarters.
Read all positive factors
Manhattan Bridge Capital (LOAN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$48.80M
Dividend Yield9.28%
Average Volume (3M)34.57K
Price to Earnings (P/E)10.0
Beta (1Y)0.01
Revenue Growth-9.89%
EPS Growth-8.65%
CountryUS
Employees6
SectorReal Estate
Sector Strength53
IndustryREIT - Mortgage
Share Statistics
EPS (TTM)0.44
Shares Outstanding11,429,351
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 Cap1.40
Enterprise Value/Revenue8.06
Enterprise Value/Gross Profit10.04
Enterprise Value/Ebitda13.62
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering1
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 makes money primarily by earning interest income on the short-term loans it originates and holds in its investment portfolio. These loans are typically structured as first-lien mortgages secured by the underlying real esta...
Manhattan Bridge Capital Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
63
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 8.47M | 8.68M | 9.70M | 9.83M | 8.58M | 6.82M |
| Gross Profit | 6.80M | 6.93M | 7.37M | 7.30M | 6.76M | 5.77M |
| EBITDA | 5.02M | 5.12M | 5.60M | 5.48M | 5.21M | 4.43M |
| Net Income | 5.01M | 5.11M | 5.59M | 5.48M | 5.21M | 4.42M |
Balance Sheet | ||||||
| Total Assets | 64.26M | 62.35M | 67.93M | 76.43M | 76.28M | 67.21M |
| Cash, Cash Equivalents and Short-Term Investments | 183.95K | 204.89M | 178.01K | 1.69M | 103.54K | 142.55K |
| Total Debt | 19.70M | 17.76M | 22.55M | 31.20M | 31.02M | 21.65M |
| Total Liabilities | 21.15M | 19.25M | 24.66M | 33.50M | 33.42M | 23.82M |
| Stockholders Equity | 43.11M | 43.10M | 43.27M | 42.93M | 42.86M | 43.39M |
Cash Flow | ||||||
| Free Cash Flow | 4.91M | 4.93B | 4.93M | 5.60M | 5.16M | 4.60M |
| Operating Cash Flow | 4.91M | 4.93B | 4.93M | 5.61M | 5.17M | 4.60M |
| Investing Cash Flow | 1.70M | 5.31B | 7.55M | 1.43M | -8.77M | -7.62M |
| Financing Cash Flow | -6.62M | -10.22B | -13.97M | -5.45M | 3.56M | 2.70M |
Manhattan Bridge Capital Technical Analysis
Positive
4.85
Price Trends
4.35
Positive
4.43
Positive
4.70
Negative
Market Momentum
0.09
Negative
64.68
Neutral
52.48
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LOAN, the sentiment is Positive. The current price of 4.85 is above the 20-day moving average (MA) of 4.42, above the 50-day MA of 4.35, and above the 200-day MA of 4.70, indicating a neutral trend. The MACD of 0.09 indicates Negative momentum. The RSI at 64.68 is Neutral, neither overbought nor oversold. The STOCH value of 52.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | $48.80M | 9.98 | 11.59% | 9.28% | -9.89% | -8.65% | |
66 Neutral | $189.81M | 10.50 | 5.14% | 13.82% | -7.31% | -22.36% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
58 Neutral | $95.16M | 2.88 | 9.33% | 21.65% | -7.99% | ― | |
57 Neutral | $52.76M | 4.84 | 3.56% | 19.80% | 27.29% | ― | |
46 Neutral | $61.83M | -2.38 | -1.20% | 23.03% | -35.24% | -141.71% | |
45 Neutral | $70.44M | -2.87 | -7.12% | 7.97% | -23.52% | 64.81% |
* Real Estate Sector Average
LOAN
Manhattan Bridge Capital
4.27
-0.41
-8.74%
SEVN
Seven Hills Realty Trust
8.40
-1.84
-18.01%
LFT
Lument Finance Trust
1.18
-1.19
-50.11%
CHMI
Cherry Hill Mortgage
2.59
>-0.01
-0.08%
SACH
Sachem Capital
1.10
0.27
33.17%
GPMT
Granite Point Mortgage
1.47
-0.60
-28.88%
Manhattan Bridge Capital Corporate Events
Business Operations and StrategyPrivate Placements and Financing
Manhattan Bridge Capital Expands and Extends Credit Facility
Positive
Feb 25, 2026
On February 24, 2026, Manhattan Bridge Capital, Inc. amended its existing credit and security agreement with Webster Bank and other lenders, extending the term of the credit facility through March 31, 2026. The amendment also formalized the depart...
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.