📊 LOAN Key Takeaways
Is Manhattan Bridge Capital, Inc. (LOAN) a Good Investment?
Manhattan Bridge Capital generates exceptional operating margins (61%+) and maintains a fortress balance sheet with minimal debt and positive cash flow, but is hampered by declining revenues (-10.6% YoY), weak returns on equity (3%), and a dangerously low cash position ($184K) that raises operational continuity concerns. The negative growth trajectory and poor capital efficiency suggest limited upside in the current environment.
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.
Manhattan Bridge Capital, Inc. Key Strengths (LOAN)
- Exceptional operating and net margins (61%+ range) demonstrating highly profitable business model
- Fortress balance sheet with minimal debt, zero debt-to-equity ratio, and debt-free operations
- Strong liquidity ratios (3.60x current/quick) and consistent positive free cash flow generation
- 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 revenues and earnings across all periods (10.6% revenue YoY decline, 8.6% net income decline)
- Critically low cash position ($184K) creates operational risk despite strong cash generation
- Poor capital utilization with extremely low ROE (3%) and ROA (2%) despite high margins
- 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 stabilization and reversal of negative growth trajectory
- Absolute cash balance and cash-to-operating-expense ratio for operational continuity
- Return on equity improvement given substantial capital base of $43.1M
- 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 60.9% 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. has mixed fundamental signals 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 Grade of B from Claude (B) and ChatGPT (B) with 68% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are LOAN's key strengths?
Claude: Exceptional operating and net margins (61%+ range) demonstrating highly profitable business model. Fortress balance sheet with minimal debt, zero debt-to-equity ratio, and debt-free operations. ChatGPT: High operating and net margins. Low leverage with solid ROE/ROA.
What are the risks of investing in LOAN?
Claude: Declining revenues and earnings across all periods (10.6% revenue YoY decline, 8.6% net income decline). Critically low cash position ($184K) creates operational risk despite strong cash generation. 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 $2.1M.
Does LOAN pay dividends?
Manhattan Bridge Capital, Inc. pays dividends, with $1.3M 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 $0.11.
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 grade reflects both perspectives for balanced insights.
What is LOAN's fundamental grade?
Based on our AI fundamental analysis in May 2026, Manhattan Bridge Capital, Inc. has a B grade with 68% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is LOAN stock overvalued or undervalued?
Valuation metrics for LOAN: ROE of 3.0% (sector avg: 8%), net margin of 61.6% (sector avg: 20%). Compare these metrics with sector averages to assess valuation.
What is LOAN's AI grade for 2026?
Our dual AI analysis gives Manhattan Bridge Capital, Inc. a combined B grade 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 $1.3M, with capital expenditures of $418.0. FCF margin is 60.9%.
How does LOAN compare to other Real Estate stocks?
Vs Real Estate sector averages: Net margin 61.6% (avg: 20%), ROE 3.0% (avg: 8%), current ratio 3.60 (avg: 1.5).