LOAN
Manhattan Bridge Capital, Inc.
REIT - Mortgage
Market Cap$48M
5Y Perf.-23.1%
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Stock Comparison
LOAN vs REFI
Revenue, margins, valuation, and 5-year total return — side by side.
REFI
Chicago Atlantic Real Estate Finance, Inc.
REIT - Mortgage
Market Cap$245M
5Y Perf.-30.2%
LOAN vs REFI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | LOAN | REFI |
|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $48M | $245M |
| Revenue (TTM) | $8M | $44M |
| Net Income (TTM) | $5M | $4.87B |
| Gross Margin | 99.9% | 95.6% |
| Operating Margin | 58.1% | 18.4% |
| Forward P/E | 8.6x | 6.4x |
| Total Debt | $23M | $98M |
| Cash & Equiv. | $178K | $15M |
LOAN vs REFI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
LOAN
REFI
| Stock | Dec 21 | May 26 | Return |
|---|---|---|---|
| Manhattan Bridge Ca… (LOAN) | 100 | 76.9 | -23.1% |
| Chicago Atlantic Re… (REFI) | 100 | 69.8 | -30.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: LOAN vs REFI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: REFI leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Manhattan Bridge Capital, Inc. is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
LOAN
Manhattan Bridge Capital, Inc.
The Real Estate Income Play
LOAN is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 32.7%, EPS growth 2.1%, 3Y rev CAGR 18.8%
- 102.8% 10Y total return vs REFI's 24.7%
- Lower volatility, beta 0.12, Low D/E 52.1%, current ratio 31.09x
Best for: growth exposure and long-term compounding
REFI
Chicago Atlantic Real Estate Finance, Inc.
The Real Estate Income Play
REFI carries the broadest edge in this set and is the clearest fit for income & stability.
- Dividend streak 1 yrs, beta 0.69, yield 100.0%
- Lower P/E (6.4x vs 8.6x)
- 109.7% margin vs LOAN's 70.0%
Best for: income & stability
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | LOAN | 32.7% FFO/revenue growth vs REFI's 15.2% |
| Value | REFI | Lower P/E (6.4x vs 8.6x) |
| Quality / Margins | REFI | 109.7% margin vs LOAN's 70.0% |
| Stability / Safety | LOAN | Beta 0.12 vs REFI's 0.69 |
| Dividends | REFI | 100.0% yield, 1-year raise streak, vs LOAN's 10.8% |
| Momentum (1Y) | REFI | -7.9% vs LOAN's -8.5% |
| Efficiency (ROA) | LOAN | 8.1% ROA vs REFI's 4.5%, ROIC 8.5% vs 6.9% |
LOAN vs REFI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLREFILAGGINGLOAN
LOANManhattan Bridge Capi…
2leads
REFIChicago Atlantic Real…
3leads
6 Total Categories
CATEGORYLEADERvs LOANMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
LOAN4/6
Valuation MetricsMultiples, price ratios, and targets
REFI4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
LOAN7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
REFI5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
REFI2/2
Income & Cash Flow (Last 12 Months)
LOAN leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
REFI is the larger business by revenue, generating $44M annually — 5.9x LOAN's $8M. REFI is the more profitable business, keeping 109.7% of every revenue dollar as net income compared to LOAN's 70.0%. On growth, LOAN holds the edge at +14.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | LOANManhattan Bridge … | REFIChicago Atlantic … |
|---|---|---|
| RevenueTrailing 12 months | $8M | $44M |
| EBITDAEarnings before interest/tax | $4M | $8M |
| Net IncomeAfter-tax profit | $5M | $4.9B |
| Free Cash FlowCash after capex | $5M | $3.2B |
| Gross MarginGross profit ÷ Revenue | +99.9% | +95.6% |
| Operating MarginEBIT ÷ Revenue | +58.1% | +18.4% |
| Net MarginNet income ÷ Revenue | +70.0% | +109.7% |
| FCF MarginFCF ÷ Revenue | +62.6% | +71.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | +14.6% | -100.0% |
| EPS Growth (YoY)Latest quarter vs prior year | -8.3% | -51.1% |
LOAN leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
REFI leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 6.9x trailing earnings, REFI trades at a 20% valuation discount to LOAN's 8.6x P/E. On an enterprise value basis, LOAN's 8.9x EV/EBITDA is more attractive than REFI's 9.1x.
| Metric | LOANManhattan Bridge … | REFIChicago Atlantic … |
|---|---|---|
| Market CapShares × price | $48M | $245M |
| Enterprise ValueMkt cap + debt − cash | $71M | $328M |
| Trailing P/EPrice ÷ TTM EPS | 8.63x | 6.92x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 6.41x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 8.94x | 9.12x |
| Price / SalesMarket cap ÷ Revenue | 4.99x | 3.88x |
| Price / BookPrice ÷ Book value/share | 1.12x | 0.81x |
| Price / FCFMarket cap ÷ FCF | 9.82x | 0.01x |
REFI leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
LOAN leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
LOAN delivers a 12.2% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $6 for REFI. REFI carries lower financial leverage with a 0.32x debt-to-equity ratio, signaling a more conservative balance sheet compared to LOAN's 0.52x. On the Piotroski fundamental quality scale (0–9), LOAN scores 7/9 vs REFI's 5/9, reflecting strong financial health.
| Metric | LOANManhattan Bridge … | REFIChicago Atlantic … |
|---|---|---|
| ROE (TTM)Return on equity | +12.2% | +6.4% |
| ROA (TTM)Return on assets | +8.1% | +4.5% |
| ROICReturn on invested capital | +8.5% | +6.9% |
| ROCEReturn on capital employed | +11.3% | +9.3% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 5 |
| Debt / EquityFinancial leverage | 0.52x | 0.32x |
| Net DebtTotal debt minus cash | $22M | $83M |
| Cash & Equiv.Liquid assets | $178,012 | $15M |
| Total DebtShort + long-term debt | $23M | $98M |
| Interest CoverageEBIT ÷ Interest expense | 3.38x | 4.77x |
LOAN leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
REFI leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in REFI five years ago would be worth $12,468 today (with dividends reinvested), compared to $10,257 for LOAN. Over the past 12 months, REFI leads with a -7.9% total return vs LOAN's -8.5%. The 3-year compound annual growth rate (CAGR) favors REFI at 7.9% vs LOAN's 5.2% — a key indicator of consistent wealth creation.
| Metric | LOANManhattan Bridge … | REFIChicago Atlantic … |
|---|---|---|
| YTD ReturnYear-to-date | -6.3% | -1.4% |
| 1-Year ReturnPast 12 months | -8.5% | -7.9% |
| 3-Year ReturnCumulative with dividends | +16.4% | +25.7% |
| 5-Year ReturnCumulative with dividends | +2.6% | +24.7% |
| 10-Year ReturnCumulative with dividends | +102.8% | +24.7% |
| CAGR (3Y)Annualised 3-year return | +5.2% | +7.9% |
REFI leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — LOAN and REFI each lead in 1 of 2 comparable metrics.
Risk & Volatility
LOAN is the less volatile stock with a 0.12 beta — it tends to amplify market swings less than REFI's 0.69 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. REFI currently trades 76.4% from its 52-week high vs LOAN's 72.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | LOANManhattan Bridge … | REFIChicago Atlantic … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.12x | 0.69x |
| 52-Week HighHighest price in past year | $5.85 | $15.20 |
| 52-Week LowLowest price in past year | $4.13 | $10.74 |
| % of 52W HighCurrent price vs 52-week peak | +72.3% | +76.4% |
| RSI (14)Momentum oscillator 0–100 | 36.6 | 58.1 |
| Avg Volume (50D)Average daily shares traded | 28K | 167K |
Evenly matched — LOAN and REFI each lead in 1 of 2 comparable metrics.
Analyst Outlook
REFI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, REFI offers the higher dividend yield at 100.00% vs LOAN's 10.82%.
| Metric | LOANManhattan Bridge … | REFIChicago Atlantic … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $14.00 |
| # AnalystsCovering analysts | — | 6 |
| Dividend YieldAnnual dividend ÷ price | +10.8% | +100.0% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | $0.46 | $2045.71 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.0% | 0.0% |
REFI leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
REFI leads in 3 of 6 categories (Valuation Metrics, Total Returns). LOAN leads in 2 (Income & Cash Flow, Profitability & Efficiency). 1 tied.
Best OverallChicago Atlantic Real Estat… (REFI)Leads 3 of 6 categories
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LOAN vs REFI: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is LOAN or REFI a better buy right now?
For growth investors, Manhattan Bridge Capital, Inc.
(LOAN) is the stronger pick with 32. 7% revenue growth year-over-year, versus 15. 2% for Chicago Atlantic Real Estate Finance, Inc. (REFI). Chicago Atlantic Real Estate Finance, Inc. (REFI) offers the better valuation at 6. 9x trailing P/E (6. 4x forward), making it the more compelling value choice. Analysts rate Chicago Atlantic Real Estate Finance, Inc. (REFI) a "Buy" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — LOAN or REFI?
On trailing P/E, Chicago Atlantic Real Estate Finance, Inc.
(REFI) is the cheapest at 6. 9x versus Manhattan Bridge Capital, Inc. at 8. 6x.
03Which is the better long-term investment — LOAN or REFI?
Over the past 5 years, Chicago Atlantic Real Estate Finance, Inc.
(REFI) delivered a total return of +24. 7%, compared to +2. 6% for Manhattan Bridge Capital, Inc. (LOAN). Over 10 years, the gap is even starker: LOAN returned +102. 8% versus REFI's +24. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — LOAN or REFI?
By beta (market sensitivity over 5 years), Manhattan Bridge Capital, Inc.
(LOAN) is the lower-risk stock at 0. 12β versus Chicago Atlantic Real Estate Finance, Inc. 's 0. 69β — meaning REFI is approximately 479% more volatile than LOAN relative to the S&P 500. On balance sheet safety, Chicago Atlantic Real Estate Finance, Inc. (REFI) carries a lower debt/equity ratio of 32% versus 52% for Manhattan Bridge Capital, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — LOAN or REFI?
By revenue growth (latest reported year), Manhattan Bridge Capital, Inc.
(LOAN) is pulling ahead at 32. 7% versus 15. 2% for Chicago Atlantic Real Estate Finance, Inc. (REFI). On earnings-per-share growth, the picture is similar: Manhattan Bridge Capital, Inc. grew EPS 2. 1% year-over-year, compared to -10. 6% for Chicago Atlantic Real Estate Finance, Inc.. Over a 3-year CAGR, LOAN leads at 18. 8% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — LOAN or REFI?
Manhattan Bridge Capital, Inc.
(LOAN) is the more profitable company, earning 57. 7% net margin versus 57. 1% for Chicago Atlantic Real Estate Finance, Inc. — meaning it keeps 57. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: LOAN leads at 81. 6% versus 57. 1% for REFI. At the gross margin level — before operating expenses — REFI leads at 86. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Which pays a better dividend — LOAN or REFI?
All stocks in this comparison pay dividends.
Chicago Atlantic Real Estate Finance, Inc. (REFI) offers the highest yield at 100. 0%, versus 10. 8% for Manhattan Bridge Capital, Inc. (LOAN).
08Is LOAN or REFI better for a retirement portfolio?
For long-horizon retirement investors, Manhattan Bridge Capital, Inc.
(LOAN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 12), 10. 8% yield, +102. 8% 10Y return). Both have compounded well over 10 years (LOAN: +102. 8%, REFI: +24. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between LOAN and REFI?
Both stocks operate in the Real Estate sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(LOAN: 14.6% · REFI: -100.0%)Net Margin>
%
(LOAN: 70.0% · REFI: 10972.3%)P/E Ratio<
x
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