Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
Merrill Lynch Depositor Inc. (IPB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/17/2025: IPB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -3.72% | Avg. Invested days 54 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 23.69 - 27.28 | Updated Date 02/22/2025 |
52 Weeks Range 23.69 - 27.28 | Updated Date 02/22/2025 | ||
Dividends yield (FY) 5.96% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Merrill Lynch Depositor Inc.
Company Overview
History and Background
Merrill Lynch Depositor Inc. is a special purpose vehicle (SPV) typically involved in the securitization of assets. It is usually a subsidiary of a larger financial institution, like Bank of America (which acquired Merrill Lynch), created to hold assets and issue asset-backed securities (ABS). Founded as needed for specific securitization programs, not in the traditional sense.
Core Business Areas
- Securitization: Merrill Lynch Depositor Inc. primarily focuses on securitizing various assets, such as mortgages, auto loans, or credit card receivables, into marketable securities. These securities are then sold to investors.
Leadership and Structure
Merrill Lynch Depositor Inc., as an SPV, does not have a distinct leadership team separate from its parent company, Bank of America. Management is handled through the securitization and asset management divisions of Bank of America.
Top Products and Market Share
Key Offerings
- Mortgage-Backed Securities (MBS): Merrill Lynch Depositor Inc. packages residential and commercial mortgages into MBS. Market share fluctuates based on securitization activity and overall market conditions. Competitors: Fannie Mae, Freddie Mac, Ginnie Mae (government-sponsored enterprises), private label securitizers like Goldman Sachs, JPMorgan Chase.
- Asset-Backed Securities (ABS): Merrill Lynch Depositor Inc. securitizes various assets, including auto loans, credit card receivables, and student loans, into ABS. Market share depends on the type of assets securitized and overall market demand. Competitors: Ally Financial, Capital One, Discover Financial Services, various banks and financial institutions.
Market Dynamics
Industry Overview
The securitization market is influenced by interest rates, economic growth, regulatory changes, and investor demand. Recent trends include increased focus on risk management and regulatory compliance.
Positioning
Merrill Lynch Depositor Inc. operates within Bank of America's established infrastructure. Its competitive advantage stems from Bank of America's financial strength and extensive distribution network.
Total Addressable Market (TAM)
The total addressable market for securitization is trillions of dollars globally. Merrill Lynch Depositor Inc.'s position is tied to Bank of America's strategy within the larger securitization market. Market value of the US securitization market is $11.7 Trillion as of Q4 2023.
Upturn SWOT Analysis
Strengths
- Strong parent company (Bank of America)
- Established securitization expertise
- Access to a wide range of assets for securitization
- Extensive distribution network
Weaknesses
- Dependence on parent company strategy
- Potential for reputational risk associated with securitization
- Limited operational independence
- Vulnerability to changes in regulatory environment
Opportunities
- Growth in emerging markets
- Securitization of new asset classes
- Increased demand for ESG-compliant securities
- Technological advancements in securitization processes
Threats
- Increased regulatory scrutiny
- Economic downturn affecting asset quality
- Rising interest rates impacting demand for ABS and MBS
- Competition from other large financial institutions
Competitors and Market Share
Key Competitors
- GS
- JPM
- MS
- C
Competitive Landscape
Merrill Lynch Depositor Inc.'s advantage comes from Bank of America's resources, but it faces stiff competition from other major investment banks with extensive securitization operations.
Growth Trajectory and Initiatives
Historical Growth: Growth is dictated by the securitization strategies of Bank of America and market conditions.
Future Projections: Future growth depends on Bank of America's overall strategy and the outlook for the securitization market. Analysts at Bank of America will have insight.
Recent Initiatives: Recent initiatives are typically linked to Bank of America's securitization activities and regulatory compliance efforts.
Summary
Merrill Lynch Depositor Inc. is a special purpose vehicle within Bank of America, focusing on securitization. Its strength lies in Bank of America's resources, but it is susceptible to regulatory changes and economic downturns. Growth depends on Bank of America's overall strategy and the health of the securitization market. Regulatory compliance and risk management are crucial considerations for the company's sustainability. Its performance is closely tied to Bank of America's securitization activity.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Bank of America Investor Relations
- Securities and Exchange Commission (SEC) Filings
- Industry reports on securitization market
- Market data providers (e.g., Bloomberg, Reuters)
Disclaimers:
This analysis is based on publicly available information and general knowledge of the securitization market. The financial data for Merrill Lynch Depositor Inc. is not reported separately and is inferred from Bank of America's consolidated financial statements. This is not financial advice; conduct your own research.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Merrill Lynch Depositor Inc.
Exchange NYSE MKT | Headquaters - | ||
IPO Launch date 2004-01-20 | CEO - | ||
Sector Financials | Industry Investment Banking & Investment Services | Full time employees - | Website |
Full time employees - | Website | ||
No Description Available
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.