Merchants Bancorp (MBIN) Stock Score, Valuation & Financial Research
Merchants Bancorp is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 52/100.
Quick answer for MBIN
Merchants Bancorp currently has a Wall Street Score of 52/100. The stored market price is $52.55. Its financial score is 39/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What Merchants Bancorp does
Merchants Bancorp operates as a diversified financial services holding company across the United States. Its operations are organized into three primary divisions: Multi-family Mortgage Banking, Mortgage Warehousing, and Banking. The Multi-family Mortgage Banking division focuses on originating and servicing government-sponsored mortgages for multi-family dwellings and healthcare institutions. It also tailors loan products specifically for independent living, assisted living, memory care, and skilled nursing developments, and serves as a syndicator for low-income housing tax credits and related debt funds. The Mortgage Warehousing division provides funding for residential loans eligible for agency backing, covering their initiation, acquisition, and sale within the secondary market, in addition to extending commercial credit to non-depository financial firms. Finally, the Banking divisio
MBIN financial snapshot
- Wall Street Score:
- 52/100
- Current price:
- $52.55
- Market capitalization:
- $2.41B
- Revenue:
- $1.37B
- Net income:
- $228.3M
- Free cash flow:
- $-170.3M
- Cash:
- $19.6M
- Total debt:
- $4.79B
- EPS:
- 3.78
- P/E ratio:
- 13.9x
- Financial score:
- 39/100
- Valuation score:
- 97/100
- Revenue score:
- 30/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $-170.3M, showing cash burn in the current stored period.
- The balance sheet shows $19.6M of cash versus $4.79B of total debt, so leverage deserves attention.
- The current research record carries a high debt stress warning, which should be reviewed alongside the score.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 39/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research MBIN
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.