Manhattan Bridge Capital Inc (LOAN)

FairStock Score: 66/100 — STEADY

Key Financials

Strengths

• Solid return on equity of 11.6% above cost of capital
• Conservative balance sheet with debt-to-equity of just 0.46, providing financial flexibility
• Healthy net profit margin of 18.8% showing consistent profitability
• Attractive 9.7% dividend yield providing steady income returns

Concerns

• Revenue declining at 6.7% year-over-year signals potential demand weakness or market share loss
• Altman Z-Score of 1.4 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

Manhattan Bridge Capital Inc is a micro-cap real estate company valued at $51 million. The business generates $7 million in annual revenue with a 18.8% net margin. From a quality standpoint, Manhattan shows distressed Altman Z-Score of 1.4 warrants caution and adequate 12% ROE. On valuation, the stock is attractively valued at 10.1x earnings, with a modest 27% margin of safety vs Graham Number. Growth dynamics show revenue growing at -6.7% and profit growth of -7.2%. The 9.7% dividend yield adds an income component for patient holders. Our composite FairStock Score of 66/100 reflects above-average fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

Improving fundamentals and sector tailwinds could drive meaningful earnings growth, compressing the effective multiple for patient investors. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the real estate space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer