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

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Merchants Bancorp (Indiana)

WesBanco, Inc.

Renasant Corp.

First Commonwealth Financial Corp. (Pennsylvania)

Heartland Financial USA, Inc.

Enterprise Financial Services Corp.

Banner Corp.

Trustmark Corp.

Live Oak Bancshares, Inc.

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 profit has grown by an annual rate of 3.92%

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26

DIVIDEND PER SHARE(HY) Highest at USD 0
OPERATING PROFIT(Q) Highest at USD 99.78 MM
OPERATING PROFIT MARGIN(Q) Highest at 33.93 %

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 57.79%, its profits have fallen by -31.7%

Real-Time Research Report

Verdict Report

How much should you buy?

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, High Return

Absolute

Risk Adjusted

Volatility

Merchants Bancorp (Indiana)

57.79%

0.81

35.17%

S&P 500

15.36%

1.17

13.09%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

33.54%

EBIT Growth (5y)

2.84%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

10.59%

Pledged Shares

Institutional Holding

100.00%

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

0.85

EV to EBIT

3.37

EV to EBITDA

3.33

EV to Capital Employed

0.72

EV to Sales

0.73

PEG Ratio

Dividend Yield

0.09%

ROCE (Latest)

21.40%

ROE (Latest)

9.59%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

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

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

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

19What is working for the Company

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 99.78 MM

OPERATING PROFIT MARGIN(Q)

Highest at 33.93 %

PRE-TAX PROFIT(Q)

Highest at USD 99.78 MM

GROSS NPA (%)

CASH AND EQV(HY)

Highest at USD 37.52 MM

NET PROFIT(Q)

Highest at USD 78.3 MM

EPS(Q)

Highest at USD 1.48

-2What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD -747.16 MM

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

Operating Profit

Highest at USD 99.78 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 33.93 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 99.78 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 99.78 MM has Grown at 104.33%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 78.3 MM has Grown at 106.16%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Non Performing Loans (%)

Lowest at 1.67%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

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)

Net Profit

Highest at USD 78.3 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.48

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 37.52 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Depreciation

Highest at USD 1.4 MM

in the last five periods

MOJO 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 -747.16 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Capital Adequacy Ratio

Lowest at 11.8%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)