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LOAN 
Manhattan Bridge Capital Inc (LOAN)
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Upturn Advisory Summary
12/03/2025: LOAN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $7
1 Year Target Price $7
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.9% | Avg. Invested days 100 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 54.10M USD | Price to earnings Ratio 9.85 | 1Y Target Price 7 |
Price to earnings Ratio 9.85 | 1Y Target Price 7 | ||
Volume (30-day avg) 1 | Beta 0.26 | 52 Weeks Range 4.29 - 5.68 | Updated Date 12/3/2025 |
52 Weeks Range 4.29 - 5.68 | Updated Date 12/3/2025 | ||
Dividends yield (FY) 9.89% | Basic EPS (TTM) 0.48 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 74.17% | Operating Margin (TTM) 74.22% |
Management Effectiveness
Return on Assets (TTM) 8.1% | Return on Equity (TTM) 12.23% |
Valuation
Trailing PE 9.85 | Forward PE - | Enterprise Value 69103384 | Price to Sales(TTM) 7.58 |
Enterprise Value 69103384 | Price to Sales(TTM) 7.58 | ||
Enterprise Value to Revenue 9.67 | Enterprise Value to EBITDA 19.84 | Shares Outstanding 11438651 | Shares Floating 8626001 |
Shares Outstanding 11438651 | Shares Floating 8626001 | ||
Percent Insiders 24.59 | Percent Institutions 27.36 |
Upturn AI SWOT
Manhattan Bridge Capital Inc
Company Overview
History and Background
Manhattan Bridge Capital, Inc. (LOAN) was founded in 2007 and is based in Lake Success, New York. It operates as a real estate finance company, primarily focused on originating, funding, and managing a portfolio of short-term, first mortgage loans secured by real estate in the New York metropolitan area, as well as Florida and New Jersey. The company targets the lower middle market of real estate lending.
Core Business Areas
- First Mortgage Loans: Originates and funds short-term, first mortgage loans secured by real estate. This is their primary revenue driver.
Leadership and Structure
Assaf Ran is the Chairman and CEO. The company has a typical small-cap company organizational structure.
Top Products and Market Share
Key Offerings
- Short-Term First Mortgage Loans: These are the core product, catering to real estate investors and developers requiring bridge financing. Market share data is difficult to pinpoint precisely as it is a fragmented market, but they focus on the NYC metro area. Competitors include private lenders and some regional banks.
Market Dynamics
Industry Overview
The real estate finance industry is dynamic and competitive, influenced by interest rates, regulatory changes, and economic conditions. Short-term lending experiences higher competition and higher demand in hot markets.
Positioning
Manhattan Bridge Capital focuses on a niche market of short-term, first mortgage loans, providing a specialized service to real estate investors and developers. Their competitive advantage lies in their local expertise and ability to provide quick financing.
Total Addressable Market (TAM)
The TAM for short-term real estate lending in the New York metropolitan area and surrounding areas is estimated to be billions of dollars annually. Manhattan Bridge Capital's market position is small and represents a fraction of the TAM.
Upturn SWOT Analysis
Strengths
- Specialized expertise in short-term real estate lending
- Quick and efficient loan processing
- Strong relationships with local real estate professionals
- Geographic focus on high-demand markets like NYC
- Experienced management team
Weaknesses
- Small size limits access to capital
- Concentration risk in the New York metropolitan area
- Dependence on short-term funding sources
- Higher interest rates can limit borrowers.
- Limited diversification
Opportunities
- Expansion into new geographic markets (e.g., other major metropolitan areas)
- Development of new loan products (e.g., mezzanine financing)
- Strategic partnerships with other real estate firms
- Increase in demand for bridge loans due to market conditions
- Potential acquisitions of smaller lenders
Threats
- Economic downturns impacting real estate values
- Increased competition from larger lenders
- Rising interest rates increasing borrowing costs
- Changes in real estate regulations
- Defaults on loans due to borrower financial difficulties
Competitors and Market Share
Key Competitors
- BXMT
- STAR
- STWD
Competitive Landscape
Manhattan Bridge Capital operates in a competitive market. It competes with larger REITs and smaller private lenders. LOAN is niche market player.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady but not explosive, reflecting the company's focus on disciplined lending practices.
Future Projections: Analyst estimates project continued modest growth, driven by demand for short-term real estate financing.
Recent Initiatives: Recent initiatives may include expanding its sales team or launching new marketing campaigns to attract borrowers.
Summary
Manhattan Bridge Capital is a niche player in the short-term real estate lending market, focusing on the NYC metro area and other high growth locations. It has shown consistent profitability and pays regular dividends. Challenges include limited size and competition. Growth opportunities exist via geographic expansion and product diversification but rising interest rates and economic uncertainty remain key threats. LOAN has a relatively small market share when compared to their competitors.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (e.g., 10-K, 10-Q)
- Financial news articles
- Analyst reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share percentages are estimates and may vary. Past performance is not indicative of future results.
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 Manhattan Bridge Capital Inc
Exchange NASDAQ | Headquaters Great Neck, NY, United States | ||
IPO Launch date 1999-05-13 | Founder, Chairman of the Board, President & CEO Mr. Assaf Ran | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees 6 | |
Full time employees 6 | |||
Manhattan Bridge Capital, Inc., a real estate finance company, originates, services, and manages a portfolio of first mortgage loans in the United States. The company offers short-term, secured, and non-banking loans to real estate investors to fund acquisition, renovation, rehabilitation, or development of residential or commercial properties. Its loans are secured by collateral consisting of real estate and accompanied by personal guarantees from the principals of the borrowers. The company has elected to be taxed as a real estate investment trust. As a result, it would not be subject to corporate income tax on that portion of its net income that is distributed to shareholders. Manhattan Bridge Capital, Inc. was founded in 1989 and is headquartered in Great Neck, New York.
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