Merchants Bancorp (Indiana) (MBIN) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

WesBanco, Inc.

Trustmark Corp.

Banner Corp.

Renasant Corp.

Enterprise Financial Services Corp.

Live Oak Bancshares, Inc.

Heartland Financial USA, Inc.

First Commonwealth Financial Corp. (Pennsylvania)

Merchants Bancorp (Indiana)

The Bank of N.T. Butterfield & Son Ltd.

Independent Bank Group, Inc.

Why is Merchants Bancorp (Indiana) ?

High Management Efficiency with a high ROA of 1.57%

Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.57%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 16.88%

Flat results in Jun 25

OPERATING PROFIT(Q) Lowest at USD 48.84 MM
OPERATING PROFIT MARGIN(Q) Lowest at 16.04 %
PRE-TAX PROFIT(Q) Lowest at USD 48.84 MM

With ROA of 1.06%, it has a attractive valuation with a 0.69 Price to Book Value

The stock is trading at a fair value compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -7.07%, its profits have fallen by -6.4%

Underperformed the market in the last 1 year

Even though the market (S&P 500) has generated returns of 15.98% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -7.07% returns

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Merchants Bancorp (Indiana) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Merchants Bancorp (Indiana) for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

Merchants Bancorp (Indiana)

-100.0%

-0.47

36.42%

S&P 500

13.66%

0.81

19.85%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

37.77%

EBIT Growth (5y)

16.66%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

5.71%

Pledged Shares

Institutional Holding

98.76%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.69

EV to EBIT

0.76

EV to EBITDA

0.76

EV to Capital Employed

0.30

EV to Sales

0.23

PEG Ratio

Dividend Yield

0.12%

ROCE (Latest)

39.72%

ROE (Latest)

13.49%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Bearish

RSI

No Signal

Bollinger Bands

Bullish

Mildly Bearish

Moving Averages

Bullish (Daily)

KST

Bullish

Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 415.68 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

DIVIDEND PAYOUT RATIO(Y)

Highest at 16.57%

-14What is not working for the Company

OPERATING PROFIT(Q)

Lowest at USD 48.84 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 16.04 %

PRE-TAX PROFIT(Q)

Lowest at USD 48.84 MM

NET PROFIT(Q)

Lowest at USD 37.98 MM

EPS(Q)

Lowest at USD 0.6

Here's what is working for Merchants Bancorp (Indiana)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Cash Flow

Highest at USD 415.68 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Highest at 16.57%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Merchants Bancorp (Indiana)

Pre-Tax Profit

At USD 48.84 MM has Fallen at -50.73%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD 37.98 MM has Fallen at -50.28%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Profit

Lowest at USD 48.84 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 16.04 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 48.84 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 37.98 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.6

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)