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MILL CITY VENTURES III LTD (MCVT) Stock Fundamental Analysis

NASDAQ:MCVT - Nasdaq - US59982U2006 - Common Stock - Currency: USD

1.48  +0.06 (+4.23%)

After market: 1.48 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to MCVT. MCVT was compared to 101 industry peers in the Financial Services industry. MCVT has an excellent financial health rating, but there are some minor concerns on its profitability. MCVT has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

MCVT had positive earnings in the past year.
In the past year MCVT had a positive cash flow from operations.
Of the past 5 years MCVT 4 years were profitable.
In the past 5 years MCVT reported 4 times negative operating cash flow.
MCVT Yearly Net Income VS EBIT VS OCF VS FCFMCVT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M -2M 4M -4M 6M

1.2 Ratios

The Return On Assets of MCVT (5.70%) is better than 82.18% of its industry peers.
With a Return On Equity value of 5.91%, MCVT is not doing good in the industry: 63.37% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 4.88%, MCVT is in the better half of the industry, outperforming 68.32% of the companies in the same industry.
Industry RankSector Rank
ROA 5.7%
ROE 5.91%
ROIC 4.88%
ROA(3y)0.06%
ROA(5y)6.96%
ROE(3y)0.09%
ROE(5y)8.07%
ROIC(3y)N/A
ROIC(5y)N/A
MCVT Yearly ROA, ROE, ROICMCVT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

1.3 Margins

The Profit Margin of MCVT (35.37%) is better than 86.14% of its industry peers.
MCVT's Profit Margin has declined in the last couple of years.
MCVT has a better Operating Margin (40.16%) than 84.16% of its industry peers.
In the last couple of years the Operating Margin of MCVT has declined.
Industry RankSector Rank
OM 40.16%
PM (TTM) 35.37%
GM N/A
OM growth 3Y-6.34%
OM growth 5YN/A
PM growth 3Y-30.72%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
MCVT Yearly Profit, Operating, Gross MarginsMCVT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500 1K

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9

2. Health

2.1 Basic Checks

MCVT has about the same amout of shares outstanding than it did 1 year ago.
MCVT has more shares outstanding than it did 5 years ago.
There is no outstanding debt for MCVT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MCVT Yearly Shares OutstandingMCVT Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
MCVT Yearly Total Debt VS Total AssetsMCVT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

2.2 Solvency

An Altman-Z score of 8.24 indicates that MCVT is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 8.24, MCVT belongs to the best of the industry, outperforming 94.06% of the companies in the same industry.
There is no outstanding debt for MCVT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 8.24
ROIC/WACCN/A
WACCN/A
MCVT Yearly LT Debt VS Equity VS FCFMCVT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

2.3 Liquidity

MCVT has a Current Ratio of 11.00. This indicates that MCVT is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of MCVT (11.00) is better than 98.02% of its industry peers.
A Quick Ratio of 11.00 indicates that MCVT has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 11.00, MCVT belongs to the top of the industry, outperforming 98.02% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 11
Quick Ratio 11
MCVT Yearly Current Assets VS Current LiabilitesMCVT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 193.92% over the past year.
Measured over the past years, MCVT shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -48.38% on average per year.
Looking at the last year, MCVT shows a small growth in Revenue. The Revenue has grown by 0.12% in the last year.
Measured over the past years, MCVT shows a very strong growth in Revenue. The Revenue has been growing by 83.19% on average per year.
EPS 1Y (TTM)193.92%
EPS 3Y-48.38%
EPS 5YN/A
EPS Q2Q%89.71%
Revenue 1Y (TTM)0.12%
Revenue growth 3Y7.46%
Revenue growth 5Y83.19%
Sales Q2Q%8.33%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
MCVT Yearly Revenue VS EstimatesMCVT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.22, the valuation of MCVT can be described as very reasonable.
MCVT's Price/Earnings ratio is a bit cheaper when compared to the industry. MCVT is cheaper than 73.27% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.33, MCVT is valued rather cheaply.
Industry RankSector Rank
PE 8.22
Fwd PE N/A
MCVT Price Earnings VS Forward Price EarningsMCVT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, MCVT is valued cheaper than 98.02% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.67
EV/EBITDA N/A
MCVT Per share dataMCVT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

MCVT does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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MILL CITY VENTURES III LTD

NASDAQ:MCVT (4/22/2025, 5:54:30 PM)

After market: 1.48 0 (0%)

1.48

+0.06 (+4.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-10 2025-03-10
Earnings (Next)05-13 2025-05-13
Inst Owners0.47%
Inst Owner Change-87.95%
Ins Owners57.44%
Ins Owner Change5.03%
Market Cap9.46M
AnalystsN/A
Price TargetN/A
Short Float %3.89%
Short Ratio0.25
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 8.22
Fwd PE N/A
P/S 2.86
P/FCF 1.67
P/OCF 1.67
P/B 0.48
P/tB 0.48
EV/EBITDA N/A
EPS(TTM)0.18
EY12.16%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.88
FCFY59.74%
OCF(TTM)0.88
OCFY59.74%
SpS0.52
BVpS3.09
TBVpS3.09
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 5.7%
ROE 5.91%
ROCE 6.66%
ROIC 4.88%
ROICexc 7%
ROICexgc 7%
OM 40.16%
PM (TTM) 35.37%
GM N/A
FCFM 171.16%
ROA(3y)0.06%
ROA(5y)6.96%
ROE(3y)0.09%
ROE(5y)8.07%
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
ROICexcg growth 3Y-5.38%
ROICexcg growth 5YN/A
ROICexc growth 3Y-5.38%
ROICexc growth 5YN/A
OM growth 3Y-6.34%
OM growth 5YN/A
PM growth 3Y-30.72%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 4418.67
Cash Conversion N/A
Profit Quality 483.87%
Current Ratio 11
Quick Ratio 11
Altman-Z 8.24
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)193.92%
EPS 3Y-48.38%
EPS 5YN/A
EPS Q2Q%89.71%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.12%
Revenue growth 3Y7.46%
Revenue growth 5Y83.19%
Sales Q2Q%8.33%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y479.07%
EBIT growth 3Y0.65%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y596.67%
FCF growth 3YN/A
FCF growth 5Y-5.88%
OCF growth 1Y596.67%
OCF growth 3YN/A
OCF growth 5Y-5.88%