Manhattan Bridge Capital Inc (LOAN) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Manhattan Bridge Capital Inc $9.75, price $3.90, upside +150.0%, quality 75 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 25, 2026.
How to read this chart
60‑month range $3.40 – $5.20 · fair‑value band $9.50 – $10.00 · the $3.90 price screens below the $9.75 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 25, 2026.
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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.
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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.
Stock analysis
Manhattan Bridge Capital Inc (LOAN) currently trades at $3.90, while our model-based Fair Value estimate is $9.75, implying the stock looks roughly 60.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $19.45 per share, and 13 of the 15 models we run sit above the $3.90 price.
Bear case: the Asset-Based group reads lowest at $2.53, and 2 of the 15 models stay below the price. Evidence for this calculation is medium.
Scenario range: $9.50 (bear) to $10.00 (bull), the price of $3.90 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 75/100 (high quality), in the Real Estate sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
Key figures
Market cap $44.6M · P/E ratio 9.3 · P/S ratio 5.47 · EPS (TTM) $0.4200 · Dividend yield 11.5% · Net margin 58.9% · Return on equity 11.0% · Return on assets (EBIT) 7.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at 54% fair-value upside, at 150%, LOAN screens cheaper than that median.
Fair Value models
Bear $9.50Fair Value $9.75Bull $10.00
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.77/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−10.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.9%
Start year 2020 (pandemic). Over 10 years: +10.1% a year
Revenue growth 27 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.3%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+11.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.3%
Dividend (yield on the price)11.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.0% vs 3%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.98% → 59%
Compare Manhattan Bridge Capital Inc with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.REIT - Mortgage · 39 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score77 · Top 25%
Fair Value upside+150% · Above median
Profitability
Return on equity (TTM)11% · Above median
Return on assets7% · Top 25%
Net margin (TTM)72% · Top 25%
Operating margin (TTM)70% · Above median
Growth and dividend
Revenue growth−11% · Below median
Dividend yield (TTM)11.5% · Bottom 25%
Balance sheet
Debt / equity0.00× · Lowest 25%
Valuation Multiplesvs REIT - Mortgage median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Manhattan Bridge Capital Inc Fair Value". https://www.fairvalue-calculator.com/stock/LOAN
Frequently asked questions
Is Manhattan Bridge Capital Inc (LOAN) overvalued or undervalued?
As of Sep 25, 2026, our model estimates a fair value of $9.75 versus a price of $3.90, about +150% upside (undervalued).
What is the fair value of LOAN?
Our model-based fair value for Manhattan Bridge Capital Inc is $9.75 (as of Sep 25, 2026), built from audited fundamentals. The current price: $3.90.
What is the quality score of LOAN?
Manhattan Bridge Capital Inc has a Quality Score of 75/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Manhattan Bridge Capital Inc (LOAN)?
Our model-based price target is the fair value of $9.75 (as of Sep 25, 2026) from 15 valuation models. Cautious scenario $9.50, optimistic scenario $10.00. It is a calculation from audited fundamentals, not an analyst target.
What is the Manhattan Bridge Capital Inc stock forecast for 2026?
Our models put fair value at $9.75, about +150% upside versus a price of $3.90 (undervalued). Cautious scenario $9.50, optimistic scenario $10.00. The calculation is refreshed regularly with new filings.
What is the revenue of Manhattan Bridge Capital Inc (LOAN)?
Manhattan Bridge Capital Inc reported trailing-twelve-month revenue of about $6.6M (latest available figure, as of Sep 25, 2026).
Does Manhattan Bridge Capital Inc pay a dividend?
Manhattan Bridge Capital Inc currently shows a dividend yield of about 11.54% relative to its recent price (as of Sep 25, 2026).
What is the intrinsic value of Manhattan Bridge Capital Inc (LOAN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Manhattan Bridge Capital Inc it is $9.75 per share (as of Sep 25, 2026), against a price of $3.90. It is the blended result of 15 valuation models (cash flow, earnings, asset, dividend).
Is Manhattan Bridge Capital Inc stock overvalued or undervalued in 2026?
As of Sep 25, 2026, LOAN trades below its calculated fair value: price $3.90, fair value $9.75, a gap of about +150% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LOAN?
No. The price is what the market pays today ($3.90); the fair value is what the company's own numbers justify ($9.75). For Manhattan Bridge Capital Inc the two are $5.85 per share apart. That gap is exactly why we show both numbers side by side.
How much is Manhattan Bridge Capital Inc worth?
The market values Manhattan Bridge Capital Inc at about $44.6M (market capitalisation, as of Sep 25, 2026). Per share that is $3.90; our models calculate a fair value of $9.75 per share.
What do the bullish and bearish scenarios say about LOAN?
Our models span a range for Manhattan Bridge Capital Inc: cautious scenario $9.50, base $9.75, optimistic $10.00 per share (as of Sep 25, 2026, price $3.90). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LOAN?
Manhattan Bridge Capital Inc trades at a price-to-earnings ratio of 9.3 (as of Sep 25, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $9.75 is built from several models across several years. Other multiples: P/B 1.0, P/S 6.8.
How solid is the balance sheet of Manhattan Bridge Capital Inc (LOAN)?
Balance-sheet figures for Manhattan Bridge Capital Inc (as of Sep 25, 2026): return on equity 11.0%, debt of 0.00 per unit of equity. They feed the Quality Score of 75/100, which measures business quality independently of the share price.
How far is LOAN from its 52-week high?
Manhattan Bridge Capital Inc trades at $3.90, about 25% below its 52-week high of $5.18 and at the low of $3.89 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $9.75 is for.
Which stocks are comparable to Manhattan Bridge Capital Inc?
From the same area (Real Estate) we also value Annaly Capital Management, Inc, AGNC Investment Corp, Starwood Property Trust, Inc, Rithm Capital Corp, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Manhattan Bridge Capital Inc stock attractive at the current price?
The data as of Sep 25, 2026: price $3.90, calculated fair value $9.75 (+150%), Quality Score 75/100, from 15 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LOAN calculated?
We run Manhattan Bridge Capital Inc through 15 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $9.75, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Manhattan Bridge Capital Inc currently trades 150 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Manhattan Bridge Capital Inc (LOAN)?
The closing price on Sep 23, 2026 was $3.90. Our model-based fair value is $9.75, about +150% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Manhattan Bridge Capital Inc right now?
The rarer combination: high quality (75/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case ($9.50). The market is more pessimistic than our downside scenario. The models converge in a tight band ($9.50 to $10.00), unusually little disagreement for a valuation. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Where does the earnings growth of Manhattan Bridge Capital Inc (LOAN) come from?
Earnings per share at Manhattan Bridge Capital Inc grew +3.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.9 %, EBIT margin −2.1 %, tax rate +0.1 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Manhattan Bridge Capital Inc
How large is the market capitalisation of Manhattan Bridge Capital Inc (LOAN)?
The market capitalisation of Manhattan Bridge Capital Inc is $44.6M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Manhattan Bridge Capital Inc (LOAN)?
The price-to-sales ratio of Manhattan Bridge Capital Inc is 5.47 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Manhattan Bridge Capital Inc (LOAN)?
Earnings per share at Manhattan Bridge Capital Inc are $0.4200 (price ÷ EPS = P/E 9.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Manhattan Bridge Capital Inc (LOAN)?
The dividend yield of Manhattan Bridge Capital Inc is 11.5% (payout 107%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Manhattan Bridge Capital Inc (LOAN)?
The net margin of Manhattan Bridge Capital Inc is 58.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Manhattan Bridge Capital Inc (LOAN)?
The return on equity (ROE) of Manhattan Bridge Capital Inc is 11.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Manhattan Bridge Capital Inc (LOAN)?
On an EBIT basis the return on assets of Manhattan Bridge Capital Inc is 7.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Manhattan Bridge Capital Inc (LOAN)?
The operating margin of Manhattan Bridge Capital Inc is 69.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Manhattan Bridge Capital Inc (LOAN)?
Revenue at Manhattan Bridge Capital Inc is growing −11.0% versus a year earlier (3y avg +0.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Manhattan Bridge Capital Inc (LOAN)?
Earnings per share at Manhattan Bridge Capital Inc are growing −16.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Manhattan Bridge Capital Inc (LOAN) generate?
The free cash flow of Manhattan Bridge Capital Inc is $4.9B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Manhattan Bridge Capital Inc (LOAN) hold?
Manhattan Bridge Capital Inc holds more cash than debt, $187M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Sep 25, 2026