Manhattan Bridge Capital Inc (LOAN)

FairStock Score: 66/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Manhattan Bridge Capital is a six-employee specialty lender that originates short-term, secured first mortgages to real estate investors. I set aside free cash flow, EV/EBITDA, Altman Z and the Graham Number because this is a financial company; I judge it on ROE, price-to-book, earnings consistency, leverage and credit. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $2.0M and net income $1.2M, a high margin. But the trend is soft: fiscal 2025 revenue was $8.7M and net income $5.1M, down from fiscal 2024 revenue $9.7M and net income $5.6M. Fiscal Q2 2026 revenue $2.0M and net income $1.2M were also below fiscal Q2 2025 revenue $2.4M and net income $1.4M. FairStock labels it a slow grower, with profit and revenue growth around 3.9% and 4.3% a year over five years. At the 2026-10-13 close of $3.34, FairStock shows a P/E of 7.95, P/B of 0.89, ROE of 11.00%, D/E of 0.45, and dividend yield of 11.17%. A below-book price and high yield can mean cheapness, but for a lender they can also signal credit worry. The Piotroski F-score is 5/9, middling. The moat is thin: a tiny niche lender has little pricing power and depends on underwriting and borrower guarantees. CET1, net interest margin, and combined ratio are not in the data. If credit holds, the valuation is attractive; if losses rise, book value and the dividend are at risk.

In plain English: Manhattan Bridge Capital is a small real estate lender that makes short-term mortgage loans to property investors. The business is profitable and pays a large dividend, but revenue and profit have been slipping recently, and fiscal 2025 was weaker than fiscal 2024. At the recent price of $3.34, the shares look inexpensive compared with the company's earnings and accounting value, though that depends on its loans continuing to perform.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer