Merchants Bancorp

MBINL | NASDAQ

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$22.70

-$0.19 (-0.83%)

At close: Oct 30, 2026, 4:00 PM ET

$22.64

-$0.06 (-0.26%)

After-hours: Oct 30, 2026, 4:27 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $2.39B

Enterprise Value $2.76B

Beta 1.16

Average Volume 16.96K

Shares Outstanding (Diluted) 46.03M

Shares Change YoY 0.22%

Institutional Ownership N/A

Exchange NASDAQ

ISIN US58844R8503

Price Performance

Price Change 1M -0.9%

Price Change 3M -9.1%

Price Change 6M -6.3%

Price Change YTD -0.1%

Price Change 1Y -4.2%

Price Change 3Y N/A

Price Change 5Y N/A

1M CAGR (ann.) -6.8%

1Y CAGR (ann.) 3.0%

5Y CAGR (ann.) N/A

All-Time CAGR 2.6%

Valuation

PE Ratio 3.74

Forward PE 9.02

PEG Ratio 0.22

Forward PEG 0.12

PS Ratio 1.76

Forward PS 3.10

PB Ratio 0.96

P/FCF Ratio -4.20

P/Adj. FCF Ratio -4.20

P/OCF Ratio -1.91

EV/Sales 2.03

EV/EBIT 4.95

EV/EBITDA 4.92

EV/FCF -4.85

Earnings Yield 26.7%

FCF Yield -23.8%

Adj. FCF Yield -23.8%

Financial Health

Net Debt $373.46M

Total Debt $3.02B

Cash & Short-Term Investments $2.64B

Total Assets $20.88B

Current Ratio 0.40

Quick Ratio 0.40

Debt / Equity Ratio 1.22

Debt / EBITDA 5.38

Debt / FCF -5.30

OCF / Debt -0.18

Interest Coverage 0.54

Altman Z-Score -0.28

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 49.1%

Operating Profit Margin 25.5%

EBITDA Margin 41.3%

Net Profit Margin 23.5%

FCF Margin -41.9%

Adj. FCF Margin -41.9%

SBC / Revenue 0.0%

SBC Impact (per share) N/A

Returns

Return on Assets 1.5%

Return on Equity 13.4%

Return on Invested Capital 4.8%

Return on Capital Employed 12.2%

Return on Tangible Assets 1.5%

Historical Growth (CAGR)

Revenue CAGR 3Y 9.1%

Revenue CAGR 5Y 24.3%

Revenue CAGR 10Y 35.8%

EPS CAGR 3Y 5.4%

EPS CAGR 5Y 4.3%

EPS CAGR 10Y 23.6%

FCF CAGR 3Y -46.8%

FCF CAGR 5Y -99.5%

FCF CAGR 10Y 0.3%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Feb 1, 2027

EPS Estimate (next Q) $1.41

EPS Growth Est (next Q) 10.2%

Revenue Est (next Q) $184.85M

Revenue Growth Est (next Q) -0.2%

Fair Value Estimates

Graham Number $85.93

Graham Upside 278.6%

Lynch Fair Value $30.35

Lynch Upside 33.7%

Price Target $0.00

Price Target Upside N/A

Cash Flow

Operating Cash Flow $-546.84M

Free Cash Flow $-569.28M

Adj. Free Cash Flow $-569.28M

FCF Per Share -$12.39

OCF Per Share -$11.90

OCF/S Ratio -40.3%

Income Statement

Revenue $1.36B

Gross Profit $666.95M

Operating Income $345.71M

EBITDA $560.94M

Net Income $319.07M

EPS (Diluted) $6.07

Revenue / Employee $1.85M

Profit / Employee $434.1K

Employees 735

Dividends

Annual Dividend $1.91

Dividend Yield 8.41%

Payout Ratio 31.4%

FCF Payout Ratio -10.6%

Adj. FCF Payout Ratio -10.6%

Dividend Growth (YoY) 17.3%

Pay Frequency Quarterly

Ex-Dividend Date Sep 15, 2026