Merchants Bank/$MBIN
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About Merchants Bank
Merchants Bancorp is a United States based bank holding company. It operates multiple lines of business focusing on FHA (Federal Housing Administration) multi-family housing and healthcare facility financing and servicing, retail and correspondent residential mortgage banking, and traditional community banking. The business segments of the company are: Multi-family Mortgage Banking which originates and services government-sponsored mortgages for multi-family and healthcare facilities; Mortgage Warehousing segment which funds agency-eligible residential loans as well as commercial loans to nondepository financial institutions; and the Banking segment, which generates maximum revenue, and provides various financial products and services to consumers and businesses.
Ticker
$MBIN
Sector
Primary listing
Employees
663
Merchants Bank Metrics
BasicAdvanced
$1.5B
7.13
$4.55
1.30
$0.38
1.23%
Price and volume
Market cap
$1.5B
Beta
1.3
52-week high
$43.82
52-week low
$27.25
Average daily volume
208K
Dividend rate
$0.38
Financial strength
Dividend payout ratio (TTM)
22.29%
Profitability
Net profit margin (TTM)
42.33%
Operating margin (TTM)
60.93%
Effective tax rate (TTM)
24.33%
Revenue per employee (TTM)
$900,000
Management effectiveness
Return on assets (TTM)
1.36%
Return on equity (TTM)
12.43%
Valuation
Price to earnings (TTM)
7.132
Price to revenue (TTM)
2.483
Price to book
0.91
Price to tangible book (TTM)
0.92
Price to free cash flow (TTM)
-2.766
Free cash flow yield (TTM)
-36.15%
Free cash flow per share (TTM)
-11.721
Dividend yield (TTM)
1.17%
Forward dividend yield
1.23%
Growth
Revenue change (TTM)
-2.63%
Earnings per share change (TTM)
-30.59%
3-year revenue growth (CAGR)
12.38%
3-year earnings per share growth (CAGR)
0.34%
3-year dividend per share growth (CAGR)
13.48%
Bulls say / Bears say
Tangible book value per share climbed to a record $35.42, up 13% year-over-year, highlighting strong capital growth and delivering added value to shareholders. (SEC EDGAR)
Core deposits reached $11.4 billion, making up 90% of total deposits—the highest since March 2022—bolstering funding stability for the bank. (SEC EDGAR)
Unused borrowing capacity remained at $5.0 billion, about 26% of total assets, offering considerable liquidity flexibility to support growth. (SEC EDGAR)
Q2 net income dropped 50% year-over-year to $37.98 million, signaling a substantial decline in profitability. (Reuters)
Provision for credit losses rose by $43.1 million in Q2, largely due to falling multi-family property values and ongoing mortgage fraud probes, putting significant strain on earnings. (SEC EDGAR)
Diluted EPS decreased 60% year-over-year to $0.60, underscoring pronounced pressure on earnings and increased per-share volatility. (SEC EDGAR)
Data summarised monthly by Lightyear AI. Last updated on 31 Aug 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
Sept15
Merchants Bank
Dividend·Ex-dividend
Oct1
Merchants Bank
Dividend·Payment
$0.10Per share
FAQs
What’s the current market cap for Merchants Bank stock?
Merchants Bank (MBIN) has a market cap of $1.5B as of September 01, 2025.
What is the P/E ratio for Merchants Bank stock?
The price to earnings (P/E) ratio for Merchants Bank (MBIN) stock is 7.13 as of September 01, 2025.
Does Merchants Bank stock pay dividends?
Yes, the Merchants Bank (MBIN) stock pays dividends to shareholders. As of September 01, 2025, the dividend rate is $0.38 and the yield is 1.23%. Merchants Bank has a payout ratio of 22.29% on a trailing twelve-month basis.
When is the next Merchants Bank dividend payment date?
The next Merchants Bank (MBIN) dividend payment is scheduled for October 01, 2025.
What is the beta indicator for Merchants Bank?
Merchants Bank (MBIN) has a beta rating of 1.3. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.