ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Merchants Bancorp (Indiana) ?
1
High Management Efficiency with a high ROA of 1.57%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.57%
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 3.92%
4
Positive results in Mar 26
- DIVIDEND PER SHARE(HY) Highest at USD 0
- CREDIT DEPOSIT RATIO(HY) Highest at 88.61%
- OPERATING PROFIT(Q) Highest at USD 84.31 MM
5
With ROA of 0.60%, it has a fair valuation with a 0.85 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 48.26%, its profits have fallen by -31.7%
6
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1% over the previous quarter.
7
Market Beating performance in long term as well as near term
- Along with generating 48.26% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow 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?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Merchants Bancorp (Indiana)
48.26%
0.50
38.11%
S&P 500
22.99%
1.78
12.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
33.54%
EBIT Growth (5y)
2.84%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
10.59%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.85
EV to EBIT
3.37
EV to EBITDA
3.33
EV to Capital Employed
0.72
EV to Sales
0.73
PEG Ratio
NA
Dividend Yield
0.09%
ROCE (Latest)
21.40%
ROE (Latest)
9.59%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 88.61%
OPERATING PROFIT(Q)
Highest at USD 84.31 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31.17 %
PRE-TAX PROFIT(Q)
Highest at USD 84.31 MM
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -1,039.41 MM
NET SALES(Q)
Lowest at USD 270.51 MM
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 yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Profit
Highest at USD 84.31 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31.17 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 84.31 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Credit Deposit Ratio
Highest at 88.61%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at USD 1.37 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for Merchants Bancorp (Indiana)
Operating Cash Flow
Lowest at USD -1,039.41 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Net Sales
Lowest at USD 270.51 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Capital Adequacy Ratio
Lowest at 11.9%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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