Manhattan Bridge Capital (LOAN) AI Stock Analysis

• Market Cap: $56.96M
• Dividend Yield: 9.34%
• 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: 11.23
• Enterprise Value/Gross Profit: 15.37
• Enterprise Value/Ebitda: 27.09
• 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: 71 Outperform
• Price Target: $5.50 ▲(12.02% Upside)

The overall stock score of 71 reflects strong financial performance and attractive valuation, which are offset by bearish technical indicators. The company's high dividend yield and reasonable P/E ratio are significant positives, but potential liquidity issues and negative market momentum are concerns.

Positive Factors

Business Model Strength

The company's focus on hard money lending fills a niche market need, providing quick capital access for real estate investors, which supports consistent demand and revenue generation.

Profitability and Margins

High and improving profit margins indicate strong pricing power and cost management, enhancing long-term profitability and shareholder value.

Balance Sheet Health

A debt-free balance sheet with a strong equity ratio provides financial stability and flexibility, reducing risk and supporting future growth opportunities.

Negative Factors

Revenue Growth Decline

A decline in revenue growth could indicate challenges in maintaining market share or demand, potentially impacting future earnings and business expansion.

Liquidity Concerns

Reduced cash reserves and significant cash outflows may strain liquidity, affecting the company's ability to meet obligations and invest in growth.

EBIT Loss

An EBIT loss suggests operational challenges that could hinder profitability and require strategic adjustments to improve financial performance.

Manhattan Bridge Capital Business Overview & Revenue Model

Company Description

Manhattan Bridge Capital, Inc., a real estate finance company, originates, services, and manages a portfolio of first mortgage loans in the United States. It offers short-term, secured, and non-banking loans to real estate investors to fund their acquisition, renovation, rehabilitation, or enhancement of properties in the New York metropolitan area, including New Jersey and Connecticut, and in Florida. The company's loans are primarily secured by collateral consisting of real estate and accompanied by personal guarantees from the principals of the borrowers. It qualifies as a real estate investment trust for federal income tax purposes. The company generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. Manhattan Bridge Capital, Inc. was founded in 1989 and is headquartered in Great Neck, New York.

How the Company Makes Money

Manhattan Bridge Capital generates revenue primarily through the interest and fees associated with its short-term loans. The company charges interest rates that are typically higher than traditional lending institutions due to the increased risk associated with the borrowers and the nature of the loans. Additionally, the company may earn origination fees, which are charged at the time the loan is issued. Its revenue model is bolstered by its ability to quickly underwrite and process loans, allowing for a fast turnaround and repeat business from real estate investors. Partnerships with real estate professionals and developers further enhance its reach and client base, contributing to consistent revenue generation.

Manhattan Bridge Capital Financial Statement Overview

Summary

Manhattan Bridge Capital shows strong revenue growth and profitability with high margins and no debt, which is commendable for a mortgage REIT. However, the substantial EBIT loss in 2024 and potential liquidity constraints due to decreased cash and high 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	7.57M	9.69M	7.30M	6.76M	5.77M	5.66M
Gross Profit	5.53M	7.37M	7.27M	6.75M	5.76M	5.66M
EBITDA	3.14M	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	178.01M	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: 4.91
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 4.91 is below the 20-day moving average (MA) of 5.03, below the 50-day MA of 5.20, and below the 200-day MA of 5.19, indicating a bearish trend. The MACD of -0.10 indicates Positive momentum. The RSI at 35.90 is Neutral, neither overbought nor oversold. The STOCH value of 16.41 is Positive, 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	71 Outperform	$56.96M	10.76	12.23%	9.34%	-8.80%	-5.99%
SEVN	66 Neutral	$141.62M	9.06	5.72%	14.11%	-18.06%	-18.94%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
LFT	57 Neutral	$80.61M	8.48	4.14%	23.49%	-31.69%	-72.10%
CHMI	54 Neutral	$87.07M	123.44	4.55%	23.50%	22.14%	―
GPMT	49 Neutral	$124.17M	-1.23	-9.11%	7.35%	-28.13%	62.49%
SACH	47 Neutral	$50.18M	-1.16	-16.33%	19.05%	-63.70%	-325.57%