Mill City Ventures III (MCVT) AI Stock Analysis

• Market Cap: $11.52M
• Dividend Yield: N/A
• Average Volume (3M): 22.07K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 0.67
• Revenue Growth: -7.31%
• EPS Growth: N/A
• Country: US
• Employees: 3
• Sector: Financial
• Sector Strength: 81
• Industry: Financial - Credit Services
• EPS (TTM): 0.18
• Shares Outstanding: 6,062,773
• 10 Day Avg. Volume: 19,616
• 30 Day Avg. Volume: 22,069
• PEG Ratio: -0.46
• Price to Book (P/B): 0.61
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 5.46
• Enterprise Value/Market Cap: 0.85
• Enterprise Value/Revenue: 0.74
• Enterprise Value/Gross Profit: 2.74
• Enterprise Value/Ebitda: -9.20
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 62 Neutral
• Price Target: ―

MCVT's strong balance sheet with no debt and impressive cash flow improvements are significant strengths. However, stagnant revenue growth and bearish technical indicators weigh down the stock's performance. The low P/E ratio suggests potential undervaluation, but the lack of dividend yield limits appeal to some investors. Overall, the stock demonstrates moderate potential with notable financial stability but faces challenges in market momentum.

Mill City Ventures III Business Overview & Revenue Model

Company Description

Mill City Ventures III, Ltd. is a principal investment firm specializing investments in debt and equity securities of public and private companies to fund their operations whether its start-up, acquisition, or growth. It primarily focuses on investing in, lending to, and making managerial assistance available to privately held and publicly traded companies. The firm also advises its portfolio companies with regard to finance and operations. It was formerly known as Poker Magic, Inc. Mill City Ventures III, Ltd. was founded in January, 2006 and is based in Wayzata, Minnesota.

How the Company Makes Money

Mill City Ventures III generates revenue through the interest and fees charged on its lending products. By providing short-term loans, the company earns interest income, which is a primary revenue stream. Additionally, any fees associated with the loan origination process contribute to its earnings. The company may also engage in strategic partnerships or collaborations that allow it to expand its reach and enhance its service offerings, though specific partnerships are not detailed.

Mill City Ventures III Financial Statement Overview

Summary

Mill City Ventures III demonstrates strong financial health, particularly in its balance sheet with no debt and high equity. While income statement performance shows improved profitability and margins, stagnant revenue growth remains a concern. Cash flow improvements are promising, though past volatility suggests a need for consistent performance.

Income Statement

The company shows strong gross profit margins consistently above 98%, indicating efficient cost management. However, revenue growth is stagnant with minor fluctuations, and net profit margins have been volatile, reflecting inconsistent profitability. The EBIT margin improved significantly in 2024, suggesting operational improvements.

Balance Sheet

The company maintains a very robust balance sheet with no debt in 2024 and a high equity ratio, demonstrating financial stability and low financial risk. Strong stockholders' equity growth supports a solid return on equity, highlighting efficient use of capital.

Cash Flow

Operating cash flow has significantly improved from negative to positive in 2024, indicating better cash management. The free cash flow to net income ratio in 2024 shows strong cash generation relative to income, albeit previous years showed instability.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
3.30M	3.30M	3.30M	3.32M	5.24M	3.24M
	Gross Profit
3.57M	3.25M	3.23M	3.25M	5.17M	3.17M
	EBIT
1.25M	1.59M	-420.00K	952.50K	3.89M	2.50M
	EBITDA
817.42K	1.59M	-1.54M	952.50K	3.89M	563.92K
	Net Income Common Stockholders
1.24M	1.17M	-1.17M	577.74K	2.83M	2.21M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
5.03M	6.03M	376.02K	1.09M	1.94M	5.44M
	Total Assets
9.86M	20.47M	19.11M	18.57M	16.70M	12.51M
	Total Debt
40.33K	0.00	9.28K	16.56K	5.65K	26.06K
	Net Debt
-4.99M	-6.03M	-366.74K	-1.07M	-1.93M	-5.41M
	Total Liabilities
75.98K	715.45K	516.43K	223.23K	3.28M	870.00K
	Stockholders Equity
9.79M	19.76M	18.59M	18.34M	13.41M	11.64M
Cash Flow		Free Cash Flow
2.11M	5.65M	-1.14M	-4.89M	-1.89M	-2.46M
	Operating Cash Flow
2.11M	5.65M	-1.14M	-4.89M	-1.89M	-2.46M
	Investing Cash Flow
-6.34M	0.00	0.00	-3.29M	-4.82M	-3.01M
	Financing Cash Flow
-630.44K	0.00	424.00K	4.04M	-1.62M	-162.92K

Mill City Ventures III Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.92
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MCVT, the sentiment is Positive. The current price of 1.92 is above the 20-day moving average (MA) of 1.81, above the 50-day MA of 1.62, and below the 200-day MA of 2.10, indicating a neutral trend. The MACD of 0.07 indicates Negative momentum. The RSI at 65.14 is Neutral, neither overbought nor oversold. The STOCH value of 82.54 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MCVT.

Mill City Ventures III Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	64 Neutral	$12.86B	9.79	7.78%	16985.65%	12.28%	-7.82%
MCVT	62 Neutral	$11.52M	9.92	6.42%	―	-7.31%	―
LMFA	51 Neutral	$10.01M	―	-40.46%	―	-44.09%	-64.95%
SNTG	39 Underperform	$5.16M	―	-17.86%	―	―	25.25%
AIHS	36 Underperform	$11.89M	―	-408.12%	―	-44.34%	27.19%
DXF	33 Underperform	$1.21M	―	-240.23%	―	-189.77%	-309.54%
PT	33 Underperform	$14.59M	―	20.04%	―	-34.85%	83.43%