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Merchants Bancorp MBIN R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://bankmerchants.com
Company Profile ↓
$52.68
+60.71% 1Y
Mkt Cap$2.42B
P/E10.58
P/B1.35
Div. Yield0.81%
52W High$55.72
52W Low$30.19
Book Value$40.11
EPS (TTM)$4.98

Company Overview

Merchants Bancorp operates as the diversified bank holding company in the United States. It operates through three segments: Multi-family Mortgage Banking, Mortgage Warehousing, and Banking. The Multi-family Mortgage Banking segment engages in the mortgage banking, which originates, and services government sponsored mortgages, including bridge financing products to refinance, acquire, or reposition multi-family housing projects, and construction lending for housing development and healthcare facilities financing. This segment also offers customized loan products for need-based skilled nursing facilities, such as independent living, assisted living, and memory care; and tax credit equity syndicator service. The Mortgage Warehousing segment funds agency eligible residential loans, as well as commercial loans to non-depository financial institutions. The Banking segment offers a range of financial products and services to consumers and businesses, which includes retail banking, commercial lending, agricultural lending, retail and correspondent residential mortgage banking, and small business administration lending. Merchants Bancorp was founded in 1990 and is headquartered in Carmel, Indiana.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 22.7% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 10.6, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 42.5%.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +37.1%, earnings +146.7%.
  • 5-Year Trend Long-term compounding — profit CAGR 22.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:37.10%

Compounded Profit Growth

5 Years:22.66%
1 Year:146.70%

Stock Price Performance

1 Year:+60.71%
6 Months:+27.46%
3 Months:+11.13%
1 Month:-2.55%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 88% of range
$30.19 $55.72
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)48.10 · Neutral
Price Performance
1M-2.55%
3M+11.13%
6M+27.46%
1Y+60.71%
Valuation vs Sector

P/E of 10.58 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 42.5%.
  • Profit CAGR of 22.7% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.58
Industry PE
14.52
Forward P/E
8.79
PEG Ratio
-
Book Value
$40.11
Price to Book
1.35
P/S
3.94
EV/EBITDA
-
Dividend Yield
0.81%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
22.66%
Revenue (YoY)
37.10%
Earnings (YoY)
146.70%

Profitability & Returns

ROCE
-
ROE
11.73%
ROA
1.33%
Profit Margin
42.47%
Op Margin
61.07%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.48
EPS (TTM)
$4.98

Balance Sheet & Liquidity

Debt/Equity
1.68
Quick Ratio
-
Current Ratio
-
Debt
$4.28B
Total Assets
$21.23B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
45.95%
Chg in Prom Hold
0.00%
FII / Inst Holding
99.18%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
$2.42B
Total Revenue (TTM)
$632.34M
EBITDA
-
Free Cash Flow
$-376.67M
Operating Cash Flow
$-341.25M
Shares Outstanding
45.94M
Gross Margin
0.00%
Payout Ratio
8.43%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 MBIN Merchants Bancorp R2KR3KFINANCIAL 52.68 10.58 $2.42B 0.81% - 11.73% - 22.66%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Net Income 5.15M7.62M11.60M8.75M9.13M14.76M10.47M20.33M15.06M15.65M16.74M15.42M10.57M16.44M20.26M30.06M24.58M41.16M55.00M59.79M61.98M51.42M58.50M55.20M50.14M53.94M58.49M57.16M54.95M65.30M81.50M77.47M87.05M76.39M61.27M58.24M37.98M54.70M67.73M78.30M
Diluted EPS 0.230.360.510.380.390.660.450.730.500.520.550.510.340.510.600.920.490.871.191.301.351.061.221.141.021.111.221.121.071.311.681.581.801.491.170.930.600.971.251.48

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 28.38M33.13M54.68M62.87M77.33M180.53M227.10M219.72M279.23M320.39M218.77M
Diluted EPS 1.351.472.282.071.583.854.764.475.646.303.78

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -2.27B2.72B3.39B3.88B6.37B9.65B-12.62B16.95B18.81B19.45B
Current Assets ------------
Cash & Equivalents 229.66M446.80M445.70M359.52M336.52M506.71M179.73M-226.16M584.42M476.61M212.20M
Inventory ------------
Receivables --------56.26M91.35M83.41M81.81M
Total Liabilities --2.51B3.03B3.46B5.72B8.83B-11.16B15.25B16.56B17.17B
Current Liabilities ------------
Long Term Debt --57.01M56.61M195.45M181.44M--910.39M964.13M4.34B3.84B
Total Debt --------910.39M964.13M4.34B3.84B
Total Equity 110.14M148.20M206.29M367.47M421.24M653.73M810.62M-1.46B1.70B2.24B2.28B
Shares Outstanding --------43.11M43.24M45.77M45.89M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 118.33M-149.77M-175.89M204.34M-1.26B-874.89M-975.77M-356.40M-835.28M-341.25M
Investing Cash Flow -349.33M-265.30M-523.14M-509.07M-957.67M-2.53B--2.86B-3.26B-874.27M-195.67M
Financing Cash Flow 448.15M413.97M612.84M281.74M2.38B3.08B-1.08B3.97B1.60B272.51M
Capital Expenditure -322.00K-1.20M-788.00K-9.20M-13.98M-3.62M--8.82M-7.53M-18.39M-35.42M
Free Cash Flow 118.01M-150.97M-176.67M195.14M-1.27B-878.51M-966.96M-363.93M-853.67M-376.67M
Net Change in Cash --------806.45M358.26M-107.81M-264.41M
Share Buybacks -------3.94M---
Dividends Paid 4.22M6.22M7.95M10.22M17.25M23.67M31.23M38.07M48.51M51.17M59.42M

Ratios (Annual)

Figures in %.

Metric Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------
Operating Margin % -----------
Net Margin % -----------
ROE % 19.2%16.1%14.9%14.9%11.8%22.3%-15.1%16.4%14.3%9.6%
ROCE % -----------

Shareholding Pattern

Insiders
45.95%
Institutions
99.18%
Public Float
183.49%

Top Institutional Holders

#Holder% HeldSharesValue
1 Elser Financial Planning, Inc 58.36% 26.81M $1.43B
2 Blackrock Inc. 8.94% 4.11M $219.26M
3 Dimensional Fund Advisors LP 3.98% 1.83M $97.59M
4 State Street Corporation 2.32% 1.07M $56.99M
5 Nomura Asset Management International Inc 2.27% 1.04M $55.81M
6 Vanguard Capital Management LLC 2.21% 1.02M $54.25M
7 American Century Companies Inc 1.82% 837.05K $44.71M
8 Doma Perpetual Capital Management LLC 1.76% 810.08K $43.27M
9 Geode Capital Management, LLC 1.61% 740.33K $39.54M
10 Royce & Associates LP 1.15% 527.05K $28.15M

Analyst View

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Latest News

Recent headlines for MBIN

Google News Mon, 07 Sep 2026

How Merchants Bancorp’s Q2 2026 Earnings Surge At Merchants Bancorp (MBIN) Has Changed Its Investment Story - simplywall.st

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Google News Sat, 05 Sep 2026

Merchants Bancorp’s Rally Is Testing How Much Risk Investors Will Overlook - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMiowFBVV95cUxPX05oalpxQ1RHWS1XeG1CZjE1NzVvcWw5R2ZkTDljX2kxMjRfYzQ0TGxUSGJFWXdDcHBxYTlpaXlBZ1gxcEluUG1iREpWdjNuZFJnc1J4QUNzaW9jMGxlekhmTHloS3dJbjc0a0hSRUJ4ZjJva0Z2Mmszb2FRdmdwNVNhMWd1c0pBMFhqeT…

Google News hu, 03 Sep 2026

Analysts Offer Insights on Financial Companies: Central Pacific Financial (CPF) and Merchants Bancorp (MBIN) - The Globe and Mail

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Google News hu, 20 Aug 2026

Merchants Bancorp declares four dividends; preferred payout reaches $20.625 per share - Stock Titan

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Google News ue, 01 Sep 2026

(MBIN) as a Liquidity Pulse for Institutional Tactics - Stock Traders Daily

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Google News Wed, 29 Jul 2026

Merchants Bancorp (MBIN) Beat Expectations, Is The Stock Still Undervalued? - Yahoo Finance

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MBIN — Frequently Asked Questions

What is the current share price of Merchants Bancorp (MBIN)?

As of 2026-09-07 16:24 PDT, Merchants Bancorp (MBIN) trades at $52.68 on NasdaqCM. Its 52-week range is $30.19 to $55.72.

What is the market capitalisation of MBIN?

Merchants Bancorp (MBIN) has a market capitalisation of $2.42B on NasdaqCM.

What is the P/E ratio of MBIN?

MBIN trades at a trailing price-to-earnings (P/E) ratio of 10.58. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.35.

Does MBIN pay a dividend?

Merchants Bancorp (MBIN) currently offers a dividend yield of 0.81%.

What is the return on equity (ROE) of MBIN?

MBIN has a return on equity (ROE) of 11.73%.

Is MBIN a good stock to buy?

This page provides a data-driven analysis of Merchants Bancorp (MBIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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