📊 LOAN Key Takeaways
Is LOAN a Good Investment? Thesis Analysis
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.
Why Buy 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)
LOAN Investment Risks to Consider
- 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
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 Financial Metrics
💡 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 Profitability Ratios
LOAN vs Default Sector
How MANHATTAN BRIDGE CAPITAL, INC compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is LOAN Overvalued or Undervalued?
Based on fundamental analysis, MANHATTAN BRIDGE CAPITAL, INC appears fundamentally strong relative to the Default 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.
LOAN Balance Sheet & Liquidity
LOAN 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
LOAN Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| 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 |
| Q2 2023 | $2.1M | $1.4M | $0.12 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
LOAN Capital Allocation
LOAN SEC 10-K & 10-Q Filing 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 an AI rating of SELL with 68% 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).
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.
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: 15%), net margin of 59.0% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
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 Default stocks?
Vs Default sector averages: Net margin 59.0% (avg: 12%), ROE 11.9% (avg: 15%), current ratio 3.60 (avg: 1.8).