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Upturn AI SWOT - About
Merchants Bancorp (MBINM)
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Upturn Advisory Summary
03/26/2025: MBINM (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 4.54% | Avg. Invested days 108 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/26/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 4763 | Beta 1.17 | 52 Weeks Range 23.09 - 25.97 | Updated Date 03/28/2025 |
52 Weeks Range 23.09 - 25.97 | Updated Date 03/28/2025 | ||
Dividends yield (FY) 8.07% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 49.56% | Operating Margin (TTM) 70.31% |
Management Effectiveness
Return on Assets (TTM) 1.79% | Return on Equity (TTM) 16.25% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 5278282240 | Price to Sales(TTM) - |
Enterprise Value 5278282240 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 29382635 |
Shares Outstanding - | Shares Floating 29382635 | ||
Percent Insiders - | Percent Institutions 15.98 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Merchants Bancorp
Company Overview
History and Background
Merchants Bancorp was founded in 1990 and is headquartered in Carmel, Indiana. It has grown through strategic acquisitions and organic growth, focusing on multi-family housing and mortgage warehousing, expanding its reach and services.
Core Business Areas
- Multi-Family Housing: Offers financing solutions for multi-family properties, including construction and permanent loans.
- Mortgage Warehousing: Provides short-term financing to mortgage originators, enabling them to fund mortgages before selling them into the secondary market.
- Commercial Real Estate Lending: Provides financing for various commercial real estate projects.
- Banking Services: Offers deposit accounts, treasury management, and other traditional banking services.
Leadership and Structure
Michael F. Petrie serves as the Chairman and CEO. The organizational structure includes various executive teams overseeing different business segments, with a board of directors providing oversight.
Top Products and Market Share
Key Offerings
- Multi-Family Housing Loans: Financing for multi-family properties, competes with banks and specialized lenders. Market share data unavailable. Competitors include Walker & Dunlop (WD), Greystone, and Arbor Realty Trust (ABR).
- Mortgage Warehouse Financing: Short-term financing for mortgage originators. Market share data unavailable. Competitors include Texas Capital Bancshares (TCBI) and Flagstar Bancorp.
- SBA Lending: Small Business Lending. Competitors include Live Oak Bancshares (LOB) and regional banks. Market Share unavailable
Market Dynamics
Industry Overview
The banking industry faces competition from traditional banks, credit unions, and fintech companies. Interest rate environment, regulatory changes, and economic conditions impact profitability and growth. Real Estate lending is affected by the overall real estate market conditions.
Positioning
Merchants Bancorp specializes in multi-family housing and mortgage warehousing, differentiating itself through expertise and tailored solutions. The focus on these niche markets allows for higher returns but also carries concentration risk.
Total Addressable Market (TAM)
The TAM for commercial real estate lending and mortgage warehousing is in the trillions of dollars. Merchants Bancorp's market capitalization is a small fraction of this, suggesting significant growth potential, though dependent on execution and market conditions.
Upturn SWOT Analysis
Strengths
- Expertise in multi-family housing and mortgage warehousing
- Strong relationships with borrowers and partners
- Solid historical growth
- Experienced management team
Weaknesses
- Concentration risk in multi-family housing and mortgage warehousing
- Sensitivity to interest rate fluctuations
- Smaller size compared to larger national banks
Opportunities
- Expansion into new geographic markets
- Increased demand for multi-family housing
- Growth in the mortgage origination market
- Acquisition opportunities
Threats
- Increased competition from other lenders
- Economic downturn affecting real estate values
- Regulatory changes impacting lending practices
- Rising interest rates
Competitors and Market Share
Key Competitors
- WD
- TCBI
- ABR
Competitive Landscape
Merchants Bancorp competes with larger financial institutions. Its expertise in niche markets offers a competitive advantage, but its smaller size can be a disadvantage in terms of resources and scale.
Major Acquisitions
Fountainhead Commercial Capital
- Year: 2018
- Acquisition Price (USD millions): 72
- Strategic Rationale: Expanded SBA lending capabilities and broadened geographic footprint.
Growth Trajectory and Initiatives
Historical Growth: Merchants Bancorp has demonstrated strong historical growth in revenue and earnings, driven by its focus on multi-family housing and mortgage warehousing.
Future Projections: Analysts project continued growth for Merchants Bancorp, driven by increasing demand for multi-family housing and expansion into new markets. Revenue is estimated to increase 10-15% annually over the next few years.
Recent Initiatives: Recent initiatives include expanding its product offerings, enhancing its technology platform, and pursuing strategic acquisitions.
Summary
Merchants Bancorp demonstrates strengths in its niche markets of multi-family housing and mortgage warehousing. Its growth is evident, though it should be cautious about concentration risk. Opportunities exist for expansion, however competition and economic conditions remain threats. Strong historical performance indicates promising future trajectory if navigated carefully.
Similar Companies
- WD
- ABR
- TCBI
- LOB
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The data provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and risk tolerance. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Merchants Bancorp
Exchange NASDAQ | Headquaters Carmel, IN, United States | ||
IPO Launch date 2022-09-23 | Co-founder, Chairman & CEO Mr. Michael F. Petrie CMB | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 663 | |
Full time employees 663 | |||
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 multi-family rental housing 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.
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