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Mill City Ventures III Ltd (MCVT)
NASDAQ:MCVT
US Market

Mill City Ventures III (MCVT) AI Stock Analysis

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Mill City Ventures III

(NASDAQ:MCVT)

Rating:62Neutral
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 (MCVT) vs. SPDR S&P 500 ETF (SPY)

Mill City Ventures III Business Overview & Revenue Model

Company DescriptionMill 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 MoneyMill 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
65
Positive
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
80
Positive
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
70
Positive
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
TTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
3.30M3.30M3.30M3.32M5.24M3.24M
Gross Profit
3.57M3.25M3.23M3.25M5.17M3.17M
EBIT
1.25M1.59M-420.00K952.50K3.89M2.50M
EBITDA
817.42K1.59M-1.54M952.50K3.89M563.92K
Net Income Common Stockholders
1.24M1.17M-1.17M577.74K2.83M2.21M
Balance SheetCash, Cash Equivalents and Short-Term Investments
5.03M6.03M376.02K1.09M1.94M5.44M
Total Assets
9.86M20.47M19.11M18.57M16.70M12.51M
Total Debt
40.33K0.009.28K16.56K5.65K26.06K
Net Debt
-4.99M-6.03M-366.74K-1.07M-1.93M-5.41M
Total Liabilities
75.98K715.45K516.43K223.23K3.28M870.00K
Stockholders Equity
9.79M19.76M18.59M18.34M13.41M11.64M
Cash FlowFree Cash Flow
2.11M5.65M-1.14M-4.89M-1.89M-2.46M
Operating Cash Flow
2.11M5.65M-1.14M-4.89M-1.89M-2.46M
Investing Cash Flow
-6.34M0.000.00-3.29M-4.82M-3.01M
Financing Cash Flow
-630.44K0.00424.00K4.04M-1.62M-162.92K

Mill City Ventures III Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1.92
Price Trends
50DMA
1.62
Positive
100DMA
1.93
Negative
200DMA
2.10
Negative
Market Momentum
MACD
0.07
Negative
RSI
65.14
Neutral
STOCH
82.54
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 Risk Analysis

Mill City Ventures III disclosed 17 risk factors in its most recent earnings report. Mill City Ventures III 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

Mill City Ventures III Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
64
Neutral
$12.86B9.797.78%16985.65%12.28%-7.82%
62
Neutral
$11.52M9.926.42%-7.31%
51
Neutral
$10.01M-40.46%-44.09%-64.95%
39
Underperform
$5.16M-17.86%25.25%
36
Underperform
$11.89M-408.12%-44.34%27.19%
DXDXF
33
Underperform
$1.21M-240.23%-189.77%-309.54%
PTPT
33
Underperform
$14.59M20.04%-34.85%83.43%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
MCVT
Mill City Ventures III
1.92
-0.64
-25.00%
DXF
Eason Technology
6.42
-22.24
-77.60%
AIHS
Senmiao Technology
1.09
0.27
32.93%
PT
Pintec Technology Holdings
0.91
-0.14
-13.33%
LMFA
LM Funding America
1.91
-3.14
-62.18%
SNTG
Sentage Holdings
1.77
-0.43
-19.55%
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.