Manhattan Bridge Capital, Inc (LOAN) Fair Value & Analysis
Real Estate · US · Market cap $50.1M
Manhattan Bridge Capital, Inc
LOAN · US
Fair value as of: Jul 27, 2026
From 15 valuation models · updated 15 days ago
Fair value updated Jul 27, 2026, revised from $11.08 to $9.93 (−10.4%) since Jun 26, 2026. Share price −2.6% over the past month.
A strong business, screening 141% undervalued on our models.
What matters now
- The rarer combination: high quality (76/100) AND below fair value. That earns a closer look rather than a quick verdict.
- The price is below even our cautious bear case ($9.68). The market is more pessimistic than our downside scenario.
- The models converge in a tight band ($9.68 to $10.18), unusually little disagreement for a valuation.
- As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
60‑month range $3.48 – $5.33 · fair‑value band $9.68 – $10.18 · the $4.12 price screens below the $9.93 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.
Analysis
Manhattan Bridge Capital, Inc (LOAN) currently trades at $4.12, while our model-based Fair Value estimate is $9.93, implying the stock looks roughly 141.0% undervalued today. The Quality Score stands at 76/100 (high quality), in the Real Estate sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Manhattan Bridge Capital, Inc generated revenue of $6.8M at a net margin of 73.8%. Revenue declined 6.5% year over year. It earns a return on equity of 11.6%. The balance sheet holds a net cash position of $187M. Fundamentals as of Jul 27, 2026
Our scenario range runs from $9.68 (bear case) to $10.18 (bull case); at $4.12, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 24% below its 52-week high and 2% above its 52-week low, currently below its 200-day average. For context, the median of 10 Real Estate peers we cover trades at 2% fair-value upside, at 141%, LOAN screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 15 models by family
Widest divergence: Growth DCF ($6,389) versus Asset-Based ($2.53). Highest evidence: Growth DCF (80).
Notify me when LOAN reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 73 · Market factors (momentum, volatility) 44
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Manhattan Bridge Capital, Inc., a real estate finance company, originates, services, and manages a portfolio of first mortgage loans in the United States. The company offers short-term, secured, and non-banking loans to real estate investors to fund acquisition, renovation, rehabilitation, or development of residential or commercial properties.
Full company description
Manhattan Bridge Capital, Inc., a real estate finance company, originates, services, and manages a portfolio of first mortgage loans in the United States. The company offers short-term, secured, and non-banking loans to real estate investors to fund acquisition, renovation, rehabilitation, or development of residential or commercial properties. Its loans are secured by collateral consisting of real estate and accompanied by personal guarantees from the principals of the borrowers. The company has elected to be taxed as a real estate investment trust. As a result, it would not be subject to corporate income tax on that portion of its net income that is distributed to shareholders. The company was founded in 1989 and is headquartered in Great Neck, New York.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Manhattan Bridge Capital, Inc reported revenue of $8.7M in FY2025 versus $6.8M in FY2021, a compound +6.2%/yr. Reported net income was $5.1M in FY2025, compounding +3.7%/yr from FY2021.
of which total revenue +12.8 pp · buybacks/dilution −6.9 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
Watch LOAN: get an alert when its fair value changes →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Upcoming Dividend Run For LOAN?
- Manhattan Bridge Capital declares $0.11 dividend
- Manhattan Bridge Capital, Inc. Reports 2025 Results
- Manhattan Bridge Capital, Inc. Declares Quarterly Dividend
Peer Group
REIT - Mortgage · 40 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs REIT - Mortgage median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more REIT - Mortgage stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Annaly Capital Management, Inc NLY | $22.45 | $22.84 | +2% |
| AGNC Investment Corp AGNC | $10.56 | $12.03 | +14% |
| Starwood Property Trust, Inc STWD | $16.52 | $14.93 | -10% |
| Rithm Capital Corp RITM | $9.12 | $20.75 | +128% |
| Blackstone Mortgage Trust, Inc BXMT | $16.69 | $14.84 | -11% |
| Dynex Capital, Inc DX | $12.60 | $7.67 | -39% |
| ARMOUR Residential REIT, Inc ARR | $16.13 | $20.28 | +26% |
| Ellington Financial Inc EFC | $13.37 | $13.45 | +1% |
| Apollo Commercial Real Estate Finance, Inc ARI | $6.76 | $13.56 | +101% |
| Orchid Island Capital, Inc ORC | $6.54 | $6.26 | -4% |
Compare Manhattan Bridge Capital, Inc with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Real Estate stocks →
Frequently asked questions
Is Manhattan Bridge Capital, Inc (LOAN) overvalued or undervalued?
What is the fair value of LOAN?
What is the quality score of LOAN?
What is the revenue of Manhattan Bridge Capital, Inc (LOAN)?
What is the net profit margin of LOAN?
Does Manhattan Bridge Capital, Inc pay a dividend?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Manhattan Bridge Capital, Inc and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.