25.53 USD
+0.23 (+0.91%)
Overall MBINM gets a fundamental rating of 4 out of 10. We evaluated MBINM against 99 industry peers in the Financial Services industry. MBINM has a bad profitability rating. Also its financial health evaluation is rather negative. MBINM is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year MBINM was profitable.
In the past year MBINM had a positive cash flow from operations.
In the past 5 years MBINM has always been profitable.
In the past 5 years MBINM reported 4 times negative operating cash flow.
1.2 Ratios
MBINM has a Return On Assets of 1.03%. This is comparable to the rest of the industry: MBINM outperforms 46.46% of its industry peers.
MBINM has a Return On Equity (8.98%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 8.98% | ||
| ROIC | N/A |
ROA(3y)1.5%
ROA(5y)1.61%
ROE(3y)13.43%
ROE(5y)15.73%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 28.95%, MBINM belongs to the best of the industry, outperforming 84.85% of the companies in the same industry.
MBINM's Profit Margin has been stable in the last couple of years.
MBINM does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.95% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.71%
PM growth 5Y1.01%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MBINM does not have a ROIC to compare to the WACC, probably because it is not profitable.
MBINM has more shares outstanding than it did 1 year ago.
MBINM has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, MBINM has about the same debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of MBINM is 6.58, which is on the high side as it means it would take MBINM, 6.58 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of MBINM (6.58) is comparable to the rest of the industry.
MBINM has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of MBINM (0.07) is better than 78.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 6.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.81%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MBINM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -26.16%.
The Earnings Per Share has been growing by 31.91% on average over the past years. This is a very strong growth
The Revenue has grown by 8.52% in the past year. This is quite good.
MBINM shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 31.68% yearly.
EPS 1Y (TTM)-26.16%
EPS 3Y9.85%
EPS 5Y31.91%
EPS Q2Q%-17.09%
Revenue 1Y (TTM)8.52%
Revenue growth 3Y15.5%
Revenue growth 5Y31.68%
Sales Q2Q%19.91%
3.2 Future
MBINM is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.17% yearly.
MBINM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.41% yearly.
EPS Next Y-44.43%
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
EPS Next 5YN/A
Revenue Next Year5.37%
Revenue Next 2Y7.07%
Revenue Next 3Y6.41%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.72, which indicates a rather cheap valuation of MBINM.
Compared to the rest of the industry, the Price/Earnings ratio of MBINM indicates a rather cheap valuation: MBINM is cheaper than 89.90% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of MBINM to the average of the S&P500 Index (26.39), we can say MBINM is valued rather cheaply.
MBINM is valuated cheaply with a Price/Forward Earnings ratio of 5.06.
MBINM's Price/Forward Earnings ratio is rather cheap when compared to the industry. MBINM is cheaper than 89.90% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.84. MBINM is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.72 | ||
| Fwd PE | 5.06 |
4.2 Price Multiples
MBINM's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 49.83 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as MBINM's earnings are expected to decrease with -4.17% in the coming years.
PEG (NY)N/A
PEG (5Y)0.18
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.97%, MBINM is a good candidate for dividend investing.
MBINM's Dividend Yield is rather good when compared to the industry average which is at 2.43. MBINM pays more dividend than 90.91% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, MBINM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.97% |
5.2 History
The dividend of MBINM is nicely growing with an annual growth rate of 13.84%!
MBINM has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)13.84%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
MBINM pays out 29.82% of its income as dividend. This is a sustainable payout ratio.
DP29.82%
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
MERCHANTS BANCORP - MBIN 8 1/4 PERP
NASDAQ:MBINM (12/22/2025, 2:07:55 PM)
25.53
+0.23 (+0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners35.33%
Inst Owner ChangeN/A
Ins Owners40.2%
Ins Owner ChangeN/A
Market Cap1.17B
Revenue(TTM)689.93M
Net Income(TTM)199.75M
Analysts80
Price Target30.38 (19%)
Short Float %0.02%
Short Ratio0.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.97% |
Yearly Dividend1.15
Dividend Growth(5Y)13.84%
DP29.82%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-13.5%
Min EPS beat(2)-47.48%
Max EPS beat(2)20.48%
EPS beat(4)2
Avg EPS beat(4)-1.35%
Min EPS beat(4)-47.48%
Max EPS beat(4)40.24%
EPS beat(8)4
Avg EPS beat(8)0.66%
EPS beat(12)7
Avg EPS beat(12)2.53%
EPS beat(16)9
Avg EPS beat(16)3.68%
Revenue beat(2)1
Avg Revenue beat(2)-2.25%
Min Revenue beat(2)-6.84%
Max Revenue beat(2)2.33%
Revenue beat(4)2
Avg Revenue beat(4)0%
Min Revenue beat(4)-15.12%
Max Revenue beat(4)19.63%
Revenue beat(8)4
Avg Revenue beat(8)0.46%
Revenue beat(12)7
Avg Revenue beat(12)1.66%
Revenue beat(16)9
Avg Revenue beat(16)2.78%
PT rev (1m)-4.01%
PT rev (3m)-0.46%
EPS NQ rev (1m)-7.85%
EPS NQ rev (3m)-11.08%
EPS NY rev (1m)0%
EPS NY rev (3m)5.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.01%
Revenue NY rev (1m)1.05%
Revenue NY rev (3m)1.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.72 | ||
| Fwd PE | 5.06 | ||
| P/S | 1.7 | ||
| P/FCF | 49.83 | ||
| P/OCF | 25.11 | ||
| P/B | 0.53 | ||
| P/tB | 0.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.46
EY17.47%
EPS(NY)5.05
Fwd EY19.78%
FCF(TTM)0.51
FCFY2.01%
OCF(TTM)1.02
OCFY3.98%
SpS15.03
BVpS48.49
TBVpS43.68
PEG (NY)N/A
PEG (5Y)0.18
Graham Number69.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 8.98% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.95% | ||
| GM | N/A | ||
| FCFM | 3.41% |
ROA(3y)1.5%
ROA(5y)1.61%
ROE(3y)13.43%
ROE(5y)15.73%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.71%
PM growth 5Y1.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 6.58 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 754.94% | ||
| Cap/Sales | 3.35% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 11.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC18.81%
ROIC/WACCN/A
Cap/Depr(3y)409.66%
Cap/Depr(5y)317.29%
Cap/Sales(3y)2.02%
Cap/Sales(5y)1.59%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-26.16%
EPS 3Y9.85%
EPS 5Y31.91%
EPS Q2Q%-17.09%
EPS Next Y-44.43%
EPS Next 2Y-10.54%
EPS Next 3Y-4.17%
EPS Next 5YN/A
Revenue 1Y (TTM)8.52%
Revenue growth 3Y15.5%
Revenue growth 5Y31.68%
Sales Q2Q%19.91%
Revenue Next Year5.37%
Revenue Next 2Y7.07%
Revenue Next 3Y6.41%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y101.22%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y102.42%
OCF growth 3YN/A
OCF growth 5YN/A
MERCHANTS BANCORP - MBIN 8 1/4 PERP / MBINM FAQ
Can you provide the ChartMill fundamental rating for MERCHANTS BANCORP - MBIN 8 1/4 PERP?
ChartMill assigns a fundamental rating of 4 / 10 to MBINM.
Can you provide the valuation status for MERCHANTS BANCORP - MBIN 8 1/4 PERP?
ChartMill assigns a valuation rating of 5 / 10 to MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM). This can be considered as Fairly Valued.
What is the profitability of MBINM stock?
MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM) has a profitability rating of 3 / 10.
How financially healthy is MERCHANTS BANCORP - MBIN 8 1/4 PERP?
The financial health rating of MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM) is 2 / 10.
What is the earnings growth outlook for MERCHANTS BANCORP - MBIN 8 1/4 PERP?
The Earnings per Share (EPS) of MERCHANTS BANCORP - MBIN 8 1/4 PERP (MBINM) is expected to decline by -44.43% in the next year.