Manhattan Bridge Capital, Inc.
LOAN · Price history
Price at last available close
$3.46
−$0.42 (-10.82%) 1M
2026-10-27
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Company & revenue
About Manhattan Bridge Capital, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 13, 2026. A research update is not a new financial filing.
Who they are
Manhattan Bridge Capital, Inc. (MBC) functions as a dedicated real estate financing firm, actively originating, servicing, and overseeing a diverse portfolio of first-position mortgage loans across the United States. The company extends short-duration, collateral-backed, non-traditional financing solutions to real estate investors. These funds are primarily utilized for the acquisition, renovation, rehabilitation, or enhancement of properties, with a concentrated focus on the New York metropolitan region (including New Jersey and Connecticut) and the state of Florida.
How they make money
Manhattan Bridge Capital, Inc. operates as a real estate investment trust (REIT) that primarily originates, services, and manages short-term, first mortgage loans secured by liens on real estate located in the New York metropolitan area. The company generates revenue primarily through interest income and origination fees earned on these loans, which are typically used by borrowers for the acquisition, renovation, or construction of residential and commercial properties.
Products & services
Short-term, first mortgage loans secured by real estate, primarily for residential and commercial property development, renovation, and acquisition.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
- Real estate developers and investorsSource
Customer concentration
As of December 31, 2025, the company had loans to three separate entities with an aggregate principal balance of $6,245,000, representing 10.3% of the total loan portfolio.
Suppliers, materials & equipment
- Real estate brokers and mortgage brokers — These entities act as a source of loan leads for the company's business operations.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
46
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
47
Weak
Financial Strength
60
Business Quality / Moat
12
Management
87
Growth Quality
9
Risk / Durability
73
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
53
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
51/100
Building Historical Record
Model Score 51/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Insider activity signal is favorable
- •Recent buyback activity is present
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
- •Asset quality is a weaker factor
Company-specific research
Questions worth answering for LOAN
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving LOAN's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is LOAN's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is LOAN's debt load manageable relative to cash generation, interest costs and upcoming maturities?
Essential Investment Snapshot
Wall Street Score
46
Opportunity Score
53
Market Cap
$39.3M
P/E Ratio
8.3
EPS
$0.42
52-Week High
$5.27
52-Week Low
$3.31
Beta
0.14
Intrinsic Value
$3.87
Shares Outstanding
11.4M
Total Revenue
$8.2M
Total Debt
$17.1M
Dividend Yield (TTM)
12.86%
Liquidation Value / Share
$3.74
Dividend / Share (TTM)
$0.45
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Normal movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for LOAN
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on LOAN.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Intimate knowledge of the New York metropolitan area real estate market.
- +Disciplined credit and due diligence culture.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the REIT - Mortgage industry.
- −High-interest rate environment impacting the real estate market.
- −Concentration of loan portfolio in the New York metropolitan area.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
4 historical score records availablePrevious Score
47
Oct 22, 2026
Change
-1.2
points
Current Score
46
Oct 23, 2026
Category Changes
LOAN decreased 1.2 points because Capital declined by 2 points, Valuation declined by 4.6 points.
Negative Contributors
- − Capital declined by 2 points
- − Valuation declined by 4.6 points
Projected Score
Projected Score
45
Projected Change
-0.6 points
Preliminary comparable-period financial changes suggest decline of approximately 0.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$3.46
Model Intrinsic Value
$3.87
Difference
−$0.41
-10.5% vs IV
Margin of Safety
10.5%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $8.2M | $8.7M | $9.7M | $9.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $1.1M | $1.8M | $2.3M | $2.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $7.0M | $6.9M | $7.4M | $7.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $1.9M | $1.8M | $1.8M | $1.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $2.3M | $1.8M | $1.8M | $1.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $5.2M | $5.1M | $5.6M | $5.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $4.8M | $5.1M | $5.6M | $5.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $1.5M | $1.8M | $2.3M | $2.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $4.8M | $5.1M | $5.6M | $5.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $1K | $1K | $650.00 | $650.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $4.8M | $5.1M | $5.6M | $5.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $0.42 | $0.45 | $0.49 | $0.48 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 11.41M | 11.44M | 11.44M | 11.47M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 11.41M | 11.44M | 11.44M | 11.47M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$2.1M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.11
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+12.6%
Cash Change
-9.8%
Margin Change
+1.3 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
What Weakened
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, net income margin. Pressure indicators included EPS growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 0.8%. EPS was essentially unchanged. Cash declined 9.8%. Total debt increased 12.6%. Net income margin improved by 1.3 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
4 historical recordsHistorical Score Chart
3 of 4 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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News
Manhattan Bridge Capital, Inc. Declares Quarterly Dividend
Manhattan Bridge Capital, Inc. Reports Third Quarter Results for 2026
Manhattan Bridge Capital, Inc. Announces Increase and Extension of its Existing Buy-Back of up to 250,000 of its Common Shares
Manhattan Bridge Capital, Inc (LOAN) to Issue Quarterly Dividend of $0.11 on October 15th
Rumor Mill · LOAN
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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