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Upturn AI SWOT - About
Merchants Bancorp (MBINM)
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Upturn Advisory Summary
07/11/2025: MBINM (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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 6.84% | Avg. Invested days 102 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/11/2025 |
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 is headquartered in Carmel, Indiana. It has grown through strategic acquisitions and organic expansion, focusing on multi-family housing and mortgage warehouse lending.
Core Business Areas
- Multi-Family Housing: Provides financing solutions for multi-family housing projects, including construction, acquisition, and refinancing.
- Mortgage Warehouse Lending: Offers short-term financing to mortgage originators, enabling them to fund mortgages before selling them into the secondary market.
- Banking: Provides traditional banking services, including deposit accounts, commercial loans, and other financial products.
Leadership and Structure
Michael Petrie serves as the Chairman and CEO. The organizational structure includes various departments focused on lending, banking operations, and risk management.
Top Products and Market Share
Key Offerings
- Multi-Family Housing Loans: Finances multi-family housing projects. While precise market share data is difficult to obtain, Merchants is a significant player in this niche market. Competitors include larger national banks and regional players specialized in commercial real estate finance. Revenue contribution is a substantial portion of the bank's total income.
- Mortgage Warehouse Lines of Credit: Provides short-term financing to mortgage originators. Merchants competes with other specialized lenders and larger banks. This segment is highly sensitive to interest rate changes and mortgage origination volume. Market share fluctuates based on market conditions. Revenue contribution is the second largest contributor to the bank's total income.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations. Demand for multi-family housing remains strong in many markets.
Positioning
Merchants Bancorp is positioned as a specialized lender with expertise in multi-family housing and mortgage warehouse lending. Its competitive advantages include its deep industry knowledge and strong relationships with borrowers.
Total Addressable Market (TAM)
The TAM for multi-family housing finance is estimated in the trillions of dollars. Merchants Bancorp is focused on a specific segment of this market and is positioned to continue growing within this segment.
Upturn SWOT Analysis
Strengths
- Specialized lending expertise
- Strong relationships with borrowers
- Proven track record of growth
- Experienced management team
Weaknesses
- Concentration in multi-family housing and mortgage warehouse lending
- Sensitivity to interest rate changes
- Smaller size compared to larger national banks
- Geographic concentration
Opportunities
- Expansion into new geographic markets
- Diversification of lending products
- Increased demand for multi-family housing
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WAL
- FHN
- BOH
Competitive Landscape
Merchants Bancorp competes with larger national banks and smaller regional players. Its specialized expertise and strong relationships are key differentiators. However, its smaller size can limit its ability to compete on price and scale.
Major Acquisitions
Fremont Capital
- Year: 2022
- Acquisition Price (USD millions): 48
- Strategic Rationale: Expanded Merchants' existing Fannie Mae DUS platform.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data not provided for the purposes of this exercise.
Future Projections: Future projections data not provided for the purposes of this exercise.
Recent Initiatives: Recent initiative data not provided for the purposes of this exercise.
Summary
Merchants Bancorp is a specialized lender with a strong position in multi-family housing and mortgage warehouse lending. Its expertise and relationships are key strengths, but it faces challenges related to interest rate sensitivity and competition. Strategic acquisitions are likely to remain a growth driver. The company must look out for regulatory pressures as well.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice.
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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