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
7.23
$4.55
1.30
$0.39
1.22%
Price and volume
Market cap
$1.5B
Beta
1.3
52-week high
$43.82
52-week low
$27.25
Average daily volume
161K
Dividend rate
$0.39
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)
7.233
Price to revenue (TTM)
2.519
Price to book
0.92
Price to tangible book (TTM)
0.93
Price to free cash flow (TTM)
-2.805
Free cash flow yield (TTM)
-35.65%
Free cash flow per share (TTM)
-11.721
Dividend yield (TTM)
1.19%
Forward dividend yield
1.22%
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
Loan volume funded in the Mortgage Warehousing segment climbed 49% to $28.1 billion for the six months ended June 30, 2025, versus a 16% rise industry-wide, reflecting robust growth in lending capacity and market share. (SEC 10-Q)
Noninterest income rose 61% year-over-year to $50.5 million in Q2 2025, driven by a 109% increase in gains on the sale of loans and a 200% jump in syndication and asset management fees, strengthening fee revenue diversification. (PR Newswire)
Core deposits hit $11.4 billion, accounting for 90% of total deposits and reaching their highest level since March 2022, supporting a stable, low-cost funding base. (GuruFocus)
Q2 2025 net income fell 50% year-over-year to $38.0 million after provisions for credit losses jumped by $43.1 million, signaling stress in the multi-family mortgage portfolio and resulting in EPS missing analyst forecasts. (Investing.com)
Net interest margin narrowed by 6 basis points year-over-year to 2.83% in Q2 2025 because of a shift toward lower-margin warehouse loans, putting pressure on growth in net interest income. (PR Newswire)
Loan charge-offs totaled $46.1 million in Q2 2025, mainly from multi-family loans, with no recoveries recorded afterward, pointing to significant deterioration in credit quality. (SEC 10-Q)
Data summarised monthly by Lightyear AI. Last updated on 2 Oct 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.
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Merchants Bank stock?
Merchants Bank (MBIN) has a market cap of $1.5B as of October 27, 2025.
What is the P/E ratio for Merchants Bank stock?
The price to earnings (P/E) ratio for Merchants Bank (MBIN) stock is 7.23 as of October 27, 2025.
Does Merchants Bank stock pay dividends?
Yes, the Merchants Bank (MBIN) stock pays dividends to shareholders. As of October 27, 2025, the dividend rate is $0.39 and the yield is 1.22%. 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 date is unconfirmed.
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.