Merchants Stock Financials

MBIN
 Stock
  

USD 22.70  0.13  0.57%   

Merchants Bancorp Earnings Before Interest Taxes and Depreciation Amortization EBITDA are quite stable at the moment as compared to the past year. The company's current value of Earnings Before Interest Taxes and Depreciation Amortization EBITDA is estimated at 331.37 Million. Earnings before Tax is expected to rise to about 329 M this year, although the value of Average Assets will most likely fall to about 8.8 B.
  
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With this module, you can analyze Merchants financials for your investing period. You should be able to track the changes in Merchants Bancorp individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.

Merchants Most Recent Estimates

Quarterly Earnings Growth YOY
-0.24
Diluted Eps
4.43
EPS Estimate Current Year
3.85
EPS Estimate Next Year
4.07
EPS Estimate Current Quarter
1.0
Earnings Share
4.43

Revenues

464.29 Million

Share
Understanding current and past Merchants Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Merchants Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Merchants Bancorp's assets may result in an increase in income on the income statement.
The fundamental analysis of Merchants Bancorp is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Merchants Bancorp includes many different criteria found on its balance sheet. For example, investors should never minimize Merchants Bancorp's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Merchants Bancorp's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Merchants Bancorp.

Merchants Bancorp Cash

Chance Of Financial Distress
Over 59
Merchants Bancorp has more than 59 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Merchants Bancorp stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity. More Info
The data published in Merchants Bancorp's official financial statements usually reflect Merchants Bancorp's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Merchants Bancorp. For example, before you start analyzing numbers published by Merchants accountants, it's critical to develop an understanding of what Merchants Bancorp's liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of Merchants Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Merchants Bancorp's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Merchants Bancorp's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Merchants Bancorp. Please utilize our Beneish M Score to check the likelihood of Merchants Bancorp's management to manipulate its earnings.

Merchants Bancorp Company Summary

Merchants Bancorp competes with Bar Harbor, Caterpillar, Cisco Systems, Disney, and ATT. Merchants Bancorp operates as the diversified bank holding company in the United States. Merchants Bancorp was founded in 1990 and is headquartered in Carmel, Indiana. Merchants Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 481 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
CIK Number0001629019
CUSIP58844R108
RegionNorth America
LocationIndiana; U.S.A
Business Address410 Monon Boulevard
SectorFinancial Services
IndustryBanks—Regional
BenchmarkDOW
Websitewww.merchantsbancorp.com
Phone317 569 7420
Related EntityMBINO
CurrencyUSD - US Dollar
You should never invest in Merchants Bancorp without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Merchants Stock, because this is throwing your money away. Analyzing the key information contained in Merchants Bancorp's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Merchants Bancorp Key Financial Ratios

Generally speaking, Merchants Bancorp's financial ratios allow both analysts and investors to convert raw data from Merchants Bancorp's financial statements into concise, actionable information that can be used to evaluate the performance of Merchants Bancorp over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Merchants Bancorp reports annually and quarterly.

Merchants Bancorp Key Balance Sheet Accounts

201720182019202020212022 (projected)
Accumulated Other Comprehensive Income(1.01 M)(310 K)458 K374 K(1.45 M)(1.49 M)
Total Assets3.39 B3.88 B6.37 B9.65 B11.28 B9.21 B
Cash and Equivalents359.52 M336.52 M506.71 M179.73 M1.03 B817.04 M
Cash and Equivalents USD359.52 M336.52 M506.71 M179.73 M1.03 B817.04 M
Total Debt56.61 M195.45 M181.44 M1.35 B1.03 B1.12 B
Total Debt USD56.61 M195.45 M181.44 M1.35 B1.03 B1.12 B
Deposit Liabilities2.94 B3.23 B5.48 B7.41 B8.98 B7.42 B
Shareholders Equity367.47 M421.24 M653.73 M810.62 M1.16 B919.33 M
Shareholders Equity USD367.47 M421.24 M653.73 M810.62 M1.16 B919.33 M
Goodwill and Intangible Assets5.41 M21.02 M19.64 M100.73 M127.9 M138 M
Investments2.99 B3.47 B5.77 B9.26 B9.97 B8.18 B
Total Liabilities3.03 B3.46 B5.72 B8.83 B10.12 B8.29 B
Property Plant and Equipment Net5.35 M15.14 M29.27 M29.76 M31.21 M26.32 M
Accumulated Retained Earnings Deficit192.01 M244.91 M304.98 M461.74 M657.15 M521.57 M
Tax Liabilities12.42 M15.44 M16.92 M20.41 M19.17 M20.01 M

Merchants Bancorp Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Merchants Bancorp's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201720182019202020212022 (projected)
Consolidated Income54.68 M62.87 M77.33 M180.53 M227.1 M245.03 M
Gross Profit111.81 M134.93 M165.45 M339.78 M430.31 M464.29 M
Net Income54.68 M62.87 M77.33 M180.53 M227.1 M245.03 M
Operating Expenses34.64 M50.9 M63.31 M96.42 M125.39 M100.59 M
Operating Income77.16 M84.03 M102.13 M243.36 M304.93 M329 M
Revenues111.81 M134.93 M165.45 M339.78 M430.31 M464.29 M
Income Tax Expense22.48 M21.15 M24.8 M62.82 M77.83 M61.6 M

Merchants Bancorp Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Merchants Bancorp. It measures of how well Merchants is doing because it can show the actual money that comes into and out of the company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Merchants Bancorp brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Merchants had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Merchants Bancorp has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201720182019202020212022 (projected)
Capital Expenditure(788 K)(9.19 M)(13.98 M)(3.62 M)(3.65 M)(3.93 M)
Depreciation Amortization and Accretion296 K461 K852 K1.9 M2.19 M2.36 M
Net Cash Flow or Change in Cash and Cash Equivalents(86.18 M)(23 M)170.19 M(326.98 M)852.89 M920.22 M
Net Cash Flow Business Acquisitions and Disposals363 K(14.32 M)(1.36 M)(4.18 M)(11.66 M)(11.96 M)
Issuance Repayment of Debt Securities(394 K)137.69 M(14.01 M)1.17 B(314.3 M)(322.57 M)
Payment of Dividends and Other Cash Distributions(7.95 M)(10.22 M)(17.25 M)(23.67 M)(31.23 M)(32.06 M)
Net Cash Flow from Financing612.84 M281.74 M2.38 B3.08 B1.38 B1.44 B
Net Cash Flow from Investing(523.14 M)(509.07 M)(957.67 M)(2.53 B)(474.26 M)(511.7 M)
Net Cash Flow Investment Acquisitions and Disposals(521.69 M)(479.32 M)(942.45 M)(2.52 B)(459.8 M)(496.1 M)
Net Cash Flow from Operations(175.89 M)204.34 M(1.26 B)(874.89 M)(49.22 M)(53.1 M)

Merchants Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Merchants Bancorp's current stock value. Our valuation model uses many indicators to compare Merchants Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Merchants Bancorp competition to find correlations between indicators driving Merchants Bancorp's intrinsic value. More Info.
Merchants Bancorp is considered to be number one stock in net income category among related companies. It is considered to be number one stock in debt to equity category among related companies . The ratio of Net Income to Debt to Equity for Merchants Bancorp is about  17,028,319 . Merchants Bancorp Net Income is quite stable at the moment as compared to the past year. The company's current value of Net Income is estimated at 245.03 Million. Comparative valuation analysis is a catch-all model that can be used if you cannot value Merchants Bancorp by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Merchants Bancorp's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Merchants Bancorp's earnings, one of the primary drivers of an investment's value.

Merchants Bancorp Systematic Risk

Merchants Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Merchants Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Merchants Bancorp correlated with the market. If Beta is less than 0 Merchants Bancorp generally moves in the opposite direction as compared to the market. If Merchants Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Merchants Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Merchants Bancorp is generally in the same direction as the market. If Beta > 1 Merchants Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
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About Merchants Bancorp Financials

What exactly are Merchants Bancorp Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Merchants Bancorp's income statement, its balance sheet, and the statement of cash flows. Potential Merchants Bancorp investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Merchants Bancorp investors may use each financial statement separately, they are all related. The changes in Merchants Bancorp's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Merchants Bancorp's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines that you should keep in mind when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase year after year due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt to equity ratio because this number will tell you how much risk it has. If a company such as Merchants Bancorp is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to try and figure out if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that net revenue of Merchants grown by more than 25% over the last five years, then there is a good chance that it will continue growing at least by 20% or more each year. On the other hand, if you see that net revenue has only grown by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.

Merchants Bancorp Thematic Clasifications

Merchants Bancorp is part of Banking investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions
Banking Idea
BankingView
This theme covers USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions. Get More Thematic Ideas

Merchants Bancorp June 29, 2022 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Merchants Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Merchants Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Merchants Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Merchants Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Merchants Bancorp's daily price indicators and compare them against related drivers.
Information Ratio(0.08)
Maximum Drawdown9.33
Value At Risk(3.95)
Potential Upside2.46
Additionally, see Stocks Correlation. Note that the Merchants Bancorp information on this page should be used as a complementary analysis to other Merchants Bancorp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Correlation Analysis module to reduce portfolio risk simply by holding instruments which are not perfectly correlated.

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When running Merchants Bancorp price analysis, check to measure Merchants Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Merchants Bancorp is operating at the current time. Most of Merchants Bancorp's value examination focuses on studying past and present price action to predict the probability of Merchants Bancorp's future price movements. You can analyze the entity against its peers and financial market as a whole to determine factors that move Merchants Bancorp's price. Additionally, you may evaluate how the addition of Merchants Bancorp to your portfolios can decrease your overall portfolio volatility.
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Is Merchants Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Merchants Bancorp. If investors know Merchants will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Merchants Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth YOY
-0.24
Market Capitalization
987.8 M
Quarterly Revenue Growth YOY
-0.14
Return On Assets
0.0222
Return On Equity
0.2
The market value of Merchants Bancorp is measured differently than its book value, which is the value of Merchants that is recorded on the company's balance sheet. Investors also form their own opinion of Merchants Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Merchants Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Merchants Bancorp's market value can be influenced by many factors that don't directly affect Merchants Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Merchants Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine Merchants Bancorp value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Merchants Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.