📊 LOAN Key Takeaways
Is Manhattan Bridge Capital, Inc. (LOAN) a Good Investment?
Manhattan Bridge Capital exhibits concerning revenue and profitability declines (10.6% and 8.6% YoY respectively) despite strong margins, signaling contraction in its lending business. The severely constrained cash position ($204.9K) relative to asset base creates operational risk, particularly for a loan origination company requiring liquidity reserves.
Manhattan Bridge Capital demonstrates strong profitability with high operating and net margins, solid ROE, and robust free cash flow, supported by minimal leverage and a straightforward cost structure. However, revenue and EPS are declining, interest coverage is modest, and the small cash balance leaves limited cushion, making near-term growth and asset quality trends critical to watch.
Why Buy Manhattan Bridge Capital, Inc. Stock? LOAN Key Strengths
- Exceptional profit margins (59% net margin, 58.8% operating margin)
- Strong free cash flow generation ($4.9M with 56.9% FCF margin)
- Very low leverage (0.00x D/E) with minimal long-term debt ($30K)
- High operating and net margins
- Low leverage with solid ROE/ROA
- Strong free cash flow and minimal capex
LOAN Stock Risks: Manhattan Bridge Capital, Inc. Investment Risks
- Declining revenue trend (-10.6% YoY) indicates shrinking loan origination activity
- Critical cash position of only $204.9K for a $62.4M asset company creates liquidity vulnerability
- Net income and EPS declining (8.6% and 8.2% respectively) despite strong margins suggest structural business headwinds
- Revenue and EPS contraction signaling portfolio slowdown
- Credit/real estate cycle risk affecting asset quality
- Modest interest coverage and limited cash buffer
Key Metrics to Watch
- Revenue trend reversal - critical indicator of lending pipeline health
- Cash and liquidity position - must improve to support lending operations
- Net income trajectory - monitor if margins compress further or if declines stabilize
- Loan portfolio growth (net loans outstanding)
- Non-performing loans/charge-offs and allowance coverage
Manhattan Bridge Capital, Inc. (LOAN) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 56.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. Strong liquidity with a 3.60x current ratio provides a solid financial cushion.
LOAN Profit Margin, ROE & Profitability Analysis
LOAN vs Real Estate Sector: How Manhattan Bridge Capital, Inc. Compares
How Manhattan Bridge Capital, Inc. compares to Real Estate sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Manhattan Bridge Capital, Inc. Stock Overvalued? LOAN Valuation Analysis 2026
Based on fundamental analysis, Manhattan Bridge Capital, Inc. appears fundamentally strong relative to the Real Estate sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Manhattan Bridge Capital, Inc. Balance Sheet: LOAN Debt, Cash & Liquidity
LOAN Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Manhattan Bridge Capital, Inc.'s revenue has grown significantly by 38% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.49 reflects profitable operations.
LOAN Revenue Growth, EPS Growth & YoY Performance
LOAN Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $2.1M | $1.3M | $0.11 |
| Q3 2025 | $2.0M | $1.2M | $0.11 |
| Q2 2025 | $2.4M | $1.4M | $0.12 |
| Q1 2025 | $2.3M | $1.4M | $0.12 |
| Q3 2024 | $2.3M | $1.4M | $0.12 |
| Q2 2024 | $2.4M | $1.4M | $0.12 |
| Q1 2024 | $2.4M | $1.3M | $0.11 |
| Q3 2023 | $2.1M | $1.2M | $0.11 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Manhattan Bridge Capital, Inc. Dividends, Buybacks & Capital Allocation
LOAN SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Manhattan Bridge Capital, Inc. (CIK: 0001080340)
📋 Recent SEC Filings
❓ Frequently Asked Questions about LOAN
What is the AI rating for LOAN?
Manhattan Bridge Capital, Inc. (LOAN) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 68% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are LOAN's key strengths?
Claude: Exceptional profit margins (59% net margin, 58.8% operating margin). Strong free cash flow generation ($4.9M with 56.9% FCF margin). ChatGPT: High operating and net margins. Low leverage with solid ROE/ROA.
What are the risks of investing in LOAN?
Claude: Declining revenue trend (-10.6% YoY) indicates shrinking loan origination activity. Critical cash position of only $204.9K for a $62.4M asset company creates liquidity vulnerability. ChatGPT: Revenue and EPS contraction signaling portfolio slowdown. Credit/real estate cycle risk affecting asset quality.
What is LOAN's revenue and growth?
Manhattan Bridge Capital, Inc. reported revenue of $8.7M.
Does LOAN pay dividends?
Manhattan Bridge Capital, Inc. pays dividends, with $5.3M distributed to shareholders in the trailing twelve months.
Where can I find LOAN SEC filings?
Official SEC filings for Manhattan Bridge Capital, Inc. (CIK: 0001080340) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is LOAN's EPS?
Manhattan Bridge Capital, Inc. has a diluted EPS of $0.45.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is LOAN a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Manhattan Bridge Capital, Inc. has a SELL rating with 68% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is LOAN stock overvalued or undervalued?
Valuation metrics for LOAN: ROE of 11.9% (sector avg: 8%), net margin of 59.0% (sector avg: 20%). Higher ROE suggests strong returns relative to peers.
Should I buy LOAN stock in 2026?
Our dual AI analysis gives Manhattan Bridge Capital, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is LOAN's free cash flow?
Manhattan Bridge Capital, Inc.'s operating cash flow is $4.9M, with capital expenditures of $418.0. FCF margin is 56.9%.
How does LOAN compare to other Real Estate stocks?
Vs Real Estate sector averages: Net margin 59.0% (avg: 20%), ROE 11.9% (avg: 8%), current ratio 3.60 (avg: 1.5).