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Upturn AI SWOT - About
Merchants Bancorp (MBINM)
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Upturn Advisory Summary
10/23/2025: MBINM (1-star) is a SELL. SELL since 5 days. Simulated Profits (-2.74%). Updated daily EoD!
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 3.94% | Avg. Invested days 94 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2025 |
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 1.3 | 52 Weeks Range 23.09 - 25.44 | Updated Date 06/29/2025 |
52 Weeks Range 23.09 - 25.44 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 8.20% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 46.92% | Operating Margin (TTM) 60.6% |
Management Effectiveness
Return on Assets (TTM) 1.59% | Return on Equity (TTM) 14.81% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 4789603840 | Price to Sales(TTM) - |
Enterprise Value 4789603840 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 29298222 |
Shares Outstanding - | Shares Floating 29298222 | ||
Percent Insiders - | Percent Institutions 15.62 |
Upturn AI SWOT
Merchants Bancorp
Company Overview
History and Background
Merchants Bancorp was founded in 1990 and has grown to become a diversified financial services company focusing on multifamily housing and healthcare. It has expanded through organic growth and strategic acquisitions.
Core Business Areas
- Multifamily Mortgage Banking: Originates, sells, and services multifamily mortgage loans, primarily focused on government-sponsored enterprises (GSEs) like Fannie Mae and Freddie Mac.
- Commercial Real Estate Lending: Provides financing solutions for commercial real estate properties, including construction and permanent loans.
- Healthcare Lending: Offers financing solutions for healthcare facilities, including senior housing and skilled nursing facilities.
- Banking: Traditional banking services, including deposit accounts and commercial lending.
Leadership and Structure
Michael Petrie serves as the Chairman and CEO. The organizational structure includes various divisions led by experienced executives in their respective fields.
Top Products and Market Share
Key Offerings
- Multifamily Mortgage Loans: Loans secured by multifamily properties. They hold a significant market share in GSE lending, but specific figures are variable. Competitors include Walker & Dunlop (WD), Greystone, and CBRE (CBRE).
- Healthcare Real Estate Loans: Loans provided to healthcare facilities. Market share information is not readily available. Competitors include Capital One (COF) and Fifth Third Bancorp (FITB).
Market Dynamics
Industry Overview
The financial services industry, specifically the multifamily and healthcare lending sectors, is influenced by interest rates, government regulations, and economic conditions. Demand for multifamily housing and healthcare facilities continues to grow.
Positioning
Merchants Bancorp is positioned as a specialized lender focusing on niche markets like multifamily housing and healthcare. Its expertise in these sectors provides a competitive advantage.
Total Addressable Market (TAM)
The TAM for multifamily and healthcare lending is substantial, potentially in the hundreds of billions of dollars annually. Merchants Bancorp captures a part of this market through its lending operations.
Upturn SWOT Analysis
Strengths
- Expertise in niche markets (multifamily and healthcare)
- Strong relationships with GSEs
- Diversified revenue streams
- Experienced management team
Weaknesses
- Concentration in specific sectors makes it vulnerable to sector-specific downturns.
- Sensitivity to interest rate fluctuations
- Smaller scale compared to larger national banks
- Reliance on GSE programs, which can be subject to regulatory changes
Opportunities
- Expanding into new geographic markets
- Increasing loan servicing portfolio
- Developing new financing products
- Growing the banking segment
Threats
- Increased competition from larger banks and non-bank lenders
- Rising interest rates
- Economic recession
- Changes in government regulations or GSE policies
Competitors and Market Share
Key Competitors
- WD
- CBRE
- COF
- FITB
Competitive Landscape
Merchants Bancorp competes with larger banks and specialized lenders. Its competitive advantages include its expertise in niche markets and strong relationships with GSEs.
Major Acquisitions
Lippe Taylor Marketing
- Year: 2022
- Acquisition Price (USD millions): 4.3
- Strategic Rationale: Expansion of services through purchase of assets.
Growth Trajectory and Initiatives
Historical Growth: Merchants Bancorp has demonstrated strong historical growth, driven by its expertise in multifamily and healthcare lending.
Future Projections: Analysts project continued growth for Merchants Bancorp, driven by the increasing demand for multifamily housing and healthcare facilities.
Recent Initiatives: Recent strategic initiatives include expanding its banking segment and investing in technology to improve operational efficiency.
Summary
Merchants Bancorp is a specialized lender with a strong position in multifamily and healthcare lending. Their success hinges on expertise in these niche sectors and solid relationships with GSEs. Key challenges include interest rate sensitivity and competition. Future growth depends on geographic expansion, product diversification, and proactive risk management.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (e.g., 10-K, 10-Q)
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Consult with a qualified financial advisor before making any investment decisions.
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 Merchants Bancorp
Exchange NASDAQ | Headquaters Carmel, IN, United States | ||
IPO Launch date 2022-09-23 | Co-Founder, Chairman & CEO Mr. Michael F. Petrie CMB | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 663 | |
Full time employees 663 | |||
Merchants Bancorp operates as the diversified bank holding company in the United States. It operates through three segments: Multi-family Mortgage Banking, Mortgage Warehousing, and Banking. The Multi-family Mortgage Banking segment engages in the mortgage banking, which originates, and services government sponsored mortgages, including bridge financing products to refinance, acquire, or reposition multi-family housing projects, and construction lending for multi-family rental housing and healthcare facilities financing. This segment also offers customized loan products for need-based skilled nursing facilities, such as independent living, assisted living, and memory care; and tax credit equity syndicator service. The Mortgage Warehousing segment funds agency eligible residential loans, as well as commercial loans to non-depository financial institutions. The Banking segment offers a range of financial products and services to consumers and businesses, which includes retail banking, commercial lending, agricultural lending, retail and correspondent residential mortgage banking, and small business administration lending. Merchants Bancorp was founded in 1990 and is headquartered in Carmel, Indiana.
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