Manhattan Bridge Capital, Inc. (LOAN) AI Stock Analysis

Manhattan Bridge Capital, Inc. operates as a real estate finance company specializing in originating, servicing, and managing a portfolio of first mortgage loans across the United States. The company provides short-term, secured, and non-bank loans to real estate investors seeking financing for property acquisitions, renovations, rehabilitations, and enhancements. Lending activities are concentrated in the New York metropolitan area, including New Jersey and Connecticut, as well as Florida. Loans are predominantly secured by real estate collateral and supported by personal guarantees from borrower principals. Operating as a REIT, it distributes at least 90% of its taxable income to shareholders.

Between FY2021 and FY2023, annual revenue expanded from $6.8M to $9.8M, supported by revenue growth of 20.4% in FY2021, 25.9% in FY2022, and 14.5% in FY2023. Over the five years from FY2020 to FY2025, revenue achieved a compound annual growth rate of 8.9%. However, revenue declined 1.3% to $9.7M in FY2024 and contracted 10.5% to $8.7M in FY2025, with net income moving from $5.6M to $5.1M. In the latest trailing twelve months, revenue reached $6.6M with an operating margin of 69.8% and EPS of $0.42. For the quarter ended June 30, 2026, quarterly revenue fell 11.0% and quarterly earnings dropped 16.7% year-over-year.

As of June 30, 2026, Manhattan Bridge Capital held cash and short-term investments of $229,547 alongside total debt of $19.4M, resulting in net debt of $19.2M against total assets of $64.0M. Shareholders' equity was $43.0M, supporting a debt-to-equity ratio of 0.45 and a current ratio of 3.07. In FY2025, operating cash flow and free cash flow both totaled $4.9M. The company directed cash toward $5.3M in dividends paid, $28,558 in share buybacks, and $418 in capital expenditures.

At a last close of $3.51 on October 16, 2026, the company had a market cap of $40.1M and an enterprise value of $59.4M. Its trailing P/E of 8.4x and forward P/E of 10.7x compare to 21.6x and 23.5x for the median of its US-listed Real Estate peers. Its price-to-sales ratio of 6.1x and EV-to-EBITDA of 19.8x trade above peer medians of 3.7x and 14.7x. Over the past year, the stock fell 24.5%, while the S&P 500 benchmark SPY returned 16.8%.

The company pays a quarterly dividend with an annual forward dividend of $0.44, translating to a dividend yield of 12.54%. Manhattan Bridge Capital has paid dividends for 14 consecutive years, reflecting a 5-year annualized dividend growth rate of 1.8%. Its payout ratio is 106.0%, and its last ex-dividend date was October 8, 2026.

Wall Street coverage consists of 1 Hold rating, with 0 Buy, Strong Buy, Sell, or Strong Sell ratings. The mean price target is $7.00, representing an upside of 99.4% from the last close of $3.51. For the fiscal year ending December 31, 2026, the EPS estimate is $0.42, reflecting an expected decline of 6.7%. For next fiscal year, 1 analyst projects EPS of $0.44. The company logged 0 EPS beats over the last 4 quarters, and its next earnings date is October 23, 2026.

This page is an AI-written research summary of Manhattan Bridge Capital, Inc. (LOAN). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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