LOAN— Manhattan Bridge Capital, Inc.

NasdaqCM

Real Estate · REIT - Mortgage

$4.23-0.24%

Mkt Cap: $48,346,156DY: 10.37%

Manhattan Bridge Capital, Inc. (LOAN) stock trades at $4.23, down 0.24% on the day. With a market capitalization of $48 million, LOAN is a micro-cap real estate stock. It trades at a price-to-earnings (P/E) ratio of 9.6, a forward P/E of 9.6 and earnings per share (EPS) of $0.44. Over the most recent period the company reported a 7% year-over-year revenue decline and a net profit margin of 73.8%. Below you'll find LOAN's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.

Price & Performance

Performance

Analysis & Verdict

Manhattan Bridge Capital, Inc. (LOAN) Stock Analysis 2026

Rule-based · Updated daily · Not financial advice

Manhattan Bridge Capital, Inc. (LOAN) operates in the REIT - Mortgage space within the Real Estate sector. With a market cap of $48M, it qualifies as a small-cap company. Revenue has been contracting year-over-year, a headwind that investors will watch closely in upcoming earnings.

Bull Case6

Low P/E of 9.6× suggests the stock may be undervalued relative to earnings
Exceptional profit margin of 73.8% — the business retains a large share of each dollar earned
Current ratio of 44.1× — ample short-term liquidity
Dividend yield of 10.37% provides consistent income on top of price appreciation
Price is near its 52-week low — potential entry point with asymmetric upside
Low beta of 0.12 — less volatile than the market, suitable for conservative portfolios

Bear Case3

Revenue declined 7% YoY — warning sign for business momentum
Earnings fell 8% YoY — profitability is under pressure
High debt-to-equity of 45.70× increases financial risk, especially with elevated interest rates

Verdict

Strong Buy

Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.

AI Insight

AI-generated analysis for informational purposes only. Not financial advice.

Fair Value Estimates

Current price: $4.23

Graham Number

√(22.5 × EPS × Book Value)

$6.11

+44.5% upside

Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.

Bazin Ceiling Price

Avg. Annual DPS (5Y) ÷ 6%

$7.86

+85.7% upside

Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.

These are simplified estimates. Not financial advice.

Buy & Hold Checklist

Quality criteria for long-term holding

6/10

60% score

Pays dividends

13Y hist.

13+ years of dividend history

Dividend consistency (5Y+)

13 yrs

Uninterrupted dividend payments for at least 5 years

ROE above 10%

11.6%

Return on equity — measures how efficiently capital is used

Positive profit margin

73.8%

Net profit margin must be positive — company earns more than it spends

Revenue growth (annual)

-6.5%

Annual revenue must be growing compared to the prior year

Earnings growth (annual)

-8.3%

Annual earnings must be growing compared to the prior year

Debt/Equity below 2×

45.70×

Low financial leverage reduces risk of distress

Current ratio above 1

44.10×

Short-term assets must cover short-term liabilities

Daily liquidity above $5M

$126K/day

High trading volume ensures easy entry and exit

Dividend yield above 0%

10.37%

Stock must distribute income to shareholders

Financials

Revenue & Results

Key Statistics

Market Cap$48.35M

P/E Ratio9.61

Forward P/E9.61

P/B Ratio—

PEG Ratio—

Earnings

EPS (TTM)

$0.44

P/E (TTM)

9.6

Fwd P/E

9.6

SEC Filings & Reported Financials

Earnings History

SEC EDGAR · official filings

SEC filings

SEC Filings

Official EDGAR documents

All filings

Insider Transactions

SEC Form 4 · officers, directors & 10% owners

Dividends & Income

Dividends

Current DY

10.37%

5Y Avg Annual

$0.4184

Last Payment

$0.1100

Ex-Date

07/08/2026

Annual dividends paid per share

2013

2020

2026

Ex-Date	Payment	Amount	Est. DY
Latest07/08/2026	07/15/2026	$0.1100	10.40%
04/08/2026	04/15/2026	$0.1100	10.40%
12/31/2025	01/07/2026	$0.1150	10.87%
10/08/2025	10/15/2025	$0.1150	10.87%
07/08/2025	07/15/2025	$0.1150	10.87%
04/08/2025	04/15/2025	$0.1150	10.87%
12/31/2024	01/07/2025	$0.1150	10.87%
10/08/2024	10/15/2024	$0.1150	10.87%

Magic Number

Shares needed to self-fund your next purchase

$4.23

Price

$0.1100

Last div. (quarterly)

Own 39 LOAN shares ($164.97) and each quarterly dividend pays for 1 new share — the snowball runs on its own.

Investment target

$164.97

New shares / year

+4 shares

Tools & Simulators

If You Had Invested…

Hypothetical return based on historical prices

Investment Amount

* Dividend reinvestment calculated at ex-date price. For informational purposes only.

Discussion

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About Manhattan Bridge Capital, Inc.

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.

Sector

Real Estate

Industry

REIT - Mortgage

Location

Great Neck, United States

Employees

www.manhattanbridgecapital.com

Listed on NasdaqCM

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LOAN — Frequently Asked Questions

Is Manhattan Bridge Capital, Inc. (LOAN) a good stock to buy in 2026?

Manhattan Bridge Capital, Inc. (LOAN) shows strengths such as a strong 74% net margin, while risks include declining revenue (-7%) and high leverage (debt/equity of 45.7). Whether LOAN is a good buy in 2026 depends on your time horizon and risk tolerance — review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.

What is LOAN's stock price today?

Manhattan Bridge Capital, Inc. (LOAN) trades at $4.23, down 0.24% on the session. Prices on this page update throughout the trading day.

Does LOAN pay a dividend?

Yes. Manhattan Bridge Capital, Inc. pays an annual dividend of $0.44 per share, a dividend yield of 10.37%. The most recent ex-dividend date was July 8, 2026. Its payout ratio is about 105% of earnings.

Is LOAN overvalued?

With a P/E ratio of 9.6×, LOAN trades at a relatively modest valuation for the real estate sector. See the Fair Value Estimates section above for Graham Number and dividend-based price targets.

What is LOAN's market cap?

Manhattan Bridge Capital, Inc. (LOAN) has a market capitalization of $48 million, classifying it as a micro-cap stock in the Real Estate sector.

Disclaimer: This page — including any buy/hold/avoid view, fair value or price estimate — is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.