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LOANManhattan Bridge Capital, Inc.
$4.38$50M
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LOAN logoManhattan Bridge Capital, Inc.(LOAN)Earnings, Financials & Key Ratios

LOAN•NASDAQ•REIT / Real Estate
9.7× P/E·Price updated Jun 19, 2026
SectorReal EstateIndustryMortgage REITsSub-IndustrySmall-balance bridge and hard-money lenders
AboutManhattan Bridge Capital, Inc., a real estate finance company, originates, services, and manages a portfolio of first mortgage loans in the United States. It offers short-term, secured, and non-banking loans to real estate investors to fund their acquisition, renovation, rehabilitation, or enhancement of properties in the New York metropolitan area, including New Jersey and Connecticut, and in Florida. The company's loans are primarily secured by collateral consisting of real estate and accompanied by personal guarantees from the principals of the borrowers. It qualifies as a real estate investment trust for federal income tax purposes. The company generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. Manhattan Bridge Capital, Inc. was founded in 1989 and is headquartered in Great Neck, New York.Show more
  • Revenue$9M-10.6%
  • FFO$5M-8.6%
  • FFO/Share0.45-8.6%
  • FFO Payout102.85%+10.0%
  • FFO per Share0.45-8.6%
  • NOI Margin99.85%+31.3%
  • FFO Margin59.03%+2.2%
  • ROE11.84%-8.8%
  • ROA7.85%+1.3%

LOAN Key Insights

Manhattan Bridge Capital, Inc. (LOAN) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓High NOI margin of 99.8%
  • ✓Trading at only 1.2x book value

✗Weaknesses

  • ✗Dividend exceeds FFO - may not be sustainable
  • ✗Dividend payout exceeds 100% of earnings

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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LOAN Price & Volume

Manhattan Bridge Capital, Inc. (LOAN) stock price & volume — 10-year historical chart

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LOAN Growth Metrics

Manhattan Bridge Capital, Inc. (LOAN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years10.11%
5 Years8.88%
3 Years0.32%
TTM1.9%

Profit CAGR

10 Years8.61%
5 Years3.86%
3 Years-0.65%
TTM-8.67%

EPS CAGR

10 Years3.15%
5 Years0.45%
3 Years0%
TTM-6.77%

Return on Capital

10 Years10.67%
5 Years8.4%
3 Years8.66%
Last Year10.7%

LOAN Peer Comparison

Manhattan Bridge Capital, Inc. (LOAN) competitors in Small-balance bridge and hard-money lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
GPMT logoGPMTGranite Point Mortgage Trust Inc.Direct Competitor63.25M1.32-1.14187.77%-30.49%-7.1%2.12
TPVG logoTPVGTriplePoint Venture Growth BDC Corp.Direct Competitor202.99M5.004.1036.55%-19.55%-3.39%1.33
FBRT logoFBRTFranklin BSP Realty Trust, Inc.Direct Competitor648.8M8.4313.17-100%17.89%4.73%2.78
SACH logoSACHSachem Capital Corp.Direct Competitor44.6M0.9323.72-18.16%-1.5%-0.39%1.59
REFI logoREFIChicago Atlantic Real Estate Finance, Inc.Direct Competitor242.82M11.456.8215.18%51.77%0.04%0.32
RC logoRCReady Capital CorporationProduct Competitor289.13M1.75-1.2217.26%-290.69%-29.57%3.55
ACRE logoACREAres Commercial Real Estate CorporationProduct Competitor256.32M4.62-281.71-2.79%-24.91%-3.88%2.06
KREF logoKREFKKR Real Estate Finance Trust Inc.Product Competitor453.96M7.06-6.72-22.72%-23.56%-8.4%3.83

Compare LOAN vs Peers

Manhattan Bridge Capital, Inc. (LOAN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs GPMT

Most directly comparable listed peer for LOAN.

Scale Benchmark

vs RKT

Larger-name benchmark to compare LOAN against a more recognizable public peer.

Peer Set

Compare Top 5

vs GPMT, TPVG, FBRT, SACH

LOAN Income Statement

Manhattan Bridge Capital, Inc. (LOAN) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue
4.69M5.53M5.71M5.66M6.82M8.58M9.83M9.69M8.67M7.95M
Revenue Growth %
21.47%17.88%3.37%-0.85%20.37%25.9%14.49%-1.42%-10.55%1.9%
Property Operating Expenses
8.3K5.42K5.16K7.01K1.05M6.81K2.53M2.32M13.22K5.98K
Net Operating Income (NOI)
4.68M▲ 0%
5.52M▲ 18.0%
5.71M▲ 3.4%
5.66M▼ 0.9%
5.77M▲ 2.0%
8.58M▲ 48.6%
7.3M▼ 14.9%
7.37M▲ 0.9%
8.65M▲ 17.4%
7.95M▲ 0%
NOI Margin %
99.82%99.9%99.91%99.88%84.67%99.92%74.3%76.05%99.85%99.92%
Operating Expenses
1.23M1.32M1.21M1.45M-1.35M1.55M1.83M1.78M1.8M1.79M
G&A Expenses
1.23M1.32M1.2M1.43M1.35M1.55M1.83M1.78M1.81M1.79M
EBITDA
5.92M8.93M7.34M5.67M4.43M5.21M5.45M5.6M6.85M5.82M
EBITDA Margin %
126.24%161.52%128.43%100.1%64.92%60.75%55.42%57.76%79.09%73.14%
Depreciation & Amortization
2.46M3.02M2.84M1.44M2.27K2.31K4.06K4.87K4.98K24.43K
D&A / Revenue %
52.41%54.69%49.74%25.43%0.03%0.03%0.04%0.05%0.06%0.31%
Operating Income
3.46M▲ 0%
5.9M▲ 70.6%
4.5M▼ 23.9%
4.23M▼ 5.9%
4.42M▲ 4.6%
5.21M▲ 17.8%
5.44M▲ 4.4%
5.59M▲ 2.7%
6.85M▲ 22.5%
5.79M▲ 0%
Operating Margin %
73.83%106.83%78.68%74.68%64.88%60.72%55.38%57.71%79.04%72.83%
Interest Expense
1.23M1.7M1.64M1.36M1.05M1.82M2.53M2.34M1.76M1.3M
Interest Coverage
3.81x2.47x2.75x4.10x4.23x3.85x3.15x3.38x3.91x-
Non-Operating Income
-1.21M00-1.36M0-1.82M-2.53M0-18K1.4M
Pretax Income
3.44M▲ 0%
4.21M▲ 22.2%
4.5M▲ 6.9%
4.23M▼ 5.9%
4.42M▲ 4.6%
5.21M▲ 17.8%
5.48M▲ 5.1%
5.59M▲ 2.1%
5.11M▼ 8.6%
5.01M▲ 0%
Pretax Margin %
73.4%76.09%78.68%74.68%64.88%60.72%55.73%57.71%58.99%63.03%
Income Tax
2.97K6425726456476506506501.21K1.21K
Effective Tax Rate %
0.09%0.02%0.01%0.02%0.01%0.01%0.01%0.01%0.02%0.02%
Net Income
3.44M▲ 0%
4.2M▲ 22.3%
4.49M▲ 6.9%
4.23M▼ 5.9%
4.42M▲ 4.6%
5.21M▲ 17.8%
5.48M▲ 5.1%
5.59M▲ 2.1%
5.11M▼ 8.6%
5.01M▲ 0%
Net Margin %
73.34%76.07%78.67%74.67%64.87%60.71%55.72%57.71%58.98%63.01%
Net Income Growth %
21.2%22.27%6.9%-5.9%4.59%17.82%5.07%2.1%-8.58%-8.67%
Funds From Operations (FFO)
5.9M▲ 0%
7.23M▲ 22.6%
7.34M▲ 1.5%
5.67M▼ 22.7%
4.43M▼ 21.9%
5.21M▲ 17.8%
5.48M▲ 5.1%
5.6M▲ 2.1%
5.12M▼ 8.6%
5.1M▲ 0%
FFO Margin %
125.75%130.76%128.42%100.09%64.91%60.74%55.76%57.76%59.03%64.14%
FFO Growth %
27.3%22.57%1.51%-22.72%-21.94%17.82%5.11%2.11%-8.58%-29.01%
FFO per Share
0.730.820.760.590.420.450.480.490.450.45
FFO Payout Ratio %
55.78%55.33%63.2%73.08%112.76%110.23%96.86%93.52%102.85%51.57%
EPS (Diluted)
0.42▲ 0%
0.48▲ 14.3%
0.47▼ 2.1%
0.44▼ 6.4%
0.42▼ 4.5%
0.45▲ 7.1%
0.48▲ 6.7%
0.49▲ 2.1%
0.45▼ 8.2%
0.44▲ 0%
EPS Growth %
13.51%14.29%-2.08%-6.38%-4.55%7.14%6.67%2.08%-8.16%-6.77%
EPS (Basic)
0.420.480.470.440.420.450.480.490.45-
Diluted Shares Outstanding
8.13M8.8M9.66M9.63M10.52M11.49M11.47M11.44M11.44M11.43M

LOAN Balance Sheet

Manhattan Bridge Capital, Inc. (LOAN) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets
45.9M55.9M54.44M59.84M67.21M76.28M76.43M67.93M62.35M64.26M
Asset Growth %
29.9%21.8%-2.61%9.92%12.3%13.5%0.2%-11.13%-8.21%-27.44%
Real Estate & Other Assets
-45.81M-55.79M75.86K075.28K67.27K91.22K78.25K-100.97M0
PP&E (Net)
0087.75K369.7K317.08K262.22K207.36K154.04K101.23M88.02K
Investment Securities
15K00000001000K0
Total Current Assets
45.8M55.79M54.28M958.89K66.81M75.95M6.07M67.7M1.87M62.13M
Cash & Equivalents
136.44K203.68K118.41K131.65K142.55K103.54K104.22K178.01K204.89M183.95K
Receivables
535.04K596.78K1000K827.24K1000K1000K1000K1000K1000K1000K
Other Current Assets
45.12M54.99M676K0955.44K1.36M2.98M1.54M-60.42B0
Intangible Assets
0000000000
Total Liabilities
23.65M23.82M22.5M27.88M23.82M33.42M33.5M24.66M19.25M21.15M
Total Debt
22.29M22.07M20.85M26.28M21.65M31.02M31.2M22.55M17.76M0
Net Debt
22.16M21.87M20.73M26.15M21.51M30.92M31.1M22.37M-187.13M-183.95K
Long-Term Debt
22.29M22.07M20.76M25.91M21.32M30.75M30.98M22.38M17.65M0
Short-Term Borrowings
16.91M000000060.93K0
Capital Lease Obligations
0091.03K309.58K324.25K273.49K220.53K167.12K51.15K317.08K
Total Current Liabilities
18.27M23.82M1.63M20.85M2.17M2.4M1.58M2.18M60.93K0
Accounts Payable
167.56K183.72K151.82K168.94K154.17K289.87K295.29K232.24K173.25K0
Deferred Revenue
298.47K404.68K0367.64K000000
Other Liabilities
-22.29M-22.07M15K000001.49M0
Total Equity
44.4M▲ 0%
53.8M▲ 21.2%
31.94M▼ 40.6%
31.96M▲ 0.1%
43.39M▲ 35.7%
42.86M▼ 1.2%
42.93M▲ 0.2%
43.27M▲ 0.8%
43.1M▼ 0.4%
43.11M▲ 0%
Equity Growth %
30.58%21.17%-40.63%0.07%35.73%-1.2%0.16%0.77%-0.38%-0.22%
Shareholders Equity
22.25M32.08M31.94M31.96M43.39M42.86M42.93M43.27M43.1M43.11M
Minority Interest
22.16M21.72M00000000
Common Stock
8.32K9.87K9.88K9.88K11.76K11.76K11.76K11.76K11.76K11.76K
Additional Paid-in Capital
23.17M33.11M33.14M33.16M45.52M45.54M45.55M45.56M45.58M0
Retained Earnings
-387.67K-448.8K-590.81K-403.85K-1.35M-1.89M-1.57M-1.24M-1.39M-1.37M
Preferred Stock
0000000000
Return on Assets (ROA)
8.47%8.26%8.15%7.4%6.96%7.26%7.17%7.75%7.85%7.89%
Return on Equity (ROE)
8.77%8.56%10.48%13.24%11.74%12.09%12.77%12.97%11.84%11.59%
Debt / Assets
48.57%39.49%38.3%43.92%32.21%40.67%40.82%33.19%28.49%0%
Debt / Equity
0.50x0.41x0.65x0.82x0.50x0.72x0.73x0.52x0.41x0.00x
Net Debt / EBITDA
3.74x2.45x2.83x4.61x4.86x5.93x5.71x4.00x-27.30x-0.03x
Book Value per Share
5.466.113.313.324.123.733.743.783.773.77

LOAN Cash Flow Statement

Manhattan Bridge Capital, Inc. (LOAN) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
3.46M4.36M4.43M4.22M4.6M5.17M5.61M4.93M4.93B4.91M
Operating CF Growth %
13.45%25.95%1.62%-4.74%8.95%12.34%8.54%-12.06%99843.37%-6.29%
Operating CF / Revenue %
73.84%78.9%77.57%74.53%67.46%60.19%57.07%50.9%56876.2%61.71%
Net Income
3.44M4.2M4.49M4.23M4.42M5.21M5.48M5.59M5.11B5.01M
Depreciation & Amortization
4.59K3.71K1.41K1.14K2.27K2.31K4.06K4.87K117.88M117.86M
Stock-Based Compensation
13.06K13.06K13.06K13.06K13.06K13.06K13.06K13.06K13.06M13.06M
Other Non-Cash Items
129.13K98.69K3.27K101.95K91.31K117.83K95.3K88.58K-312.55M-5.24B
Working Capital Changes
-143.12K40.88K-190.17K-124K69.4K-177.95K19.87K-765.59K-310.63K-91.89K
Cash from Investing
-10.37M-9.71M1.37M-4.61M-7.62M-8.77M1.43M7.55M5.31B1.7M
Acquisitions (Net)
0000000000
Purchase of Investments
0000000000
Sale of Investments
0000000000
Other Investing
-10.37M-9.71M1.37M-4.6M-7.62M-8.77M1.44M7.55M5.31B2.11M
Cash from Financing
6.95M5.57M-6.03M726.24K2.7M3.56M-5.45M-13.97M-10.22B-6.62M
Dividends Paid
-3.29M-4M-4.64M-4.14M-4.99M-5.75M-5.31M-5.23M-5.26M-5.26M
Common Dividends
-3.29M-4M-4.64M-4.14M-4.99M-5.75M-5.31M-5.23M-5.26M-2.63M
Debt Issuance (Net)
1000K-292.45K-1000K1000K-1000K1000K158.1K-1000K-1000K-1000K
Share Repurchases
-172.16K-48.74K-29.45K-179.25K00-261.67K-9.8K-28.56K-28.56K
Other Financing
-22.68K28.35K20.44K-27.1K0-35.82K-38.19K0-10.21B28.35M
Net Change in Cash
40.14K▲ 0%
218.62K▲ 444.6%
-236.65K▼ 208.2%
340.73K▲ 244.0%
-316.59K▼ 192.9%
-39.01K▲ 87.7%
1.59M▲ 4172.3%
-1.49M▼ 193.8%
26.48M▲ 1876.7%
-17.46K▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
96.3K136.44K355.06K118.41K459.14K142.55K103.54K1.69M201.76M228.24K
Cash at End
136.44K355.06K118.41K459.14K142.55K103.54K1.69M201.76K228.24M205.67K
Free Cash Flow
3.46M▲ 0%
4.36M▲ 26.0%
4.43M▲ 1.7%
4.21M▼ 4.9%
4.6M▲ 9.2%
5.16M▲ 12.3%
5.6M▲ 8.5%
4.93M▼ 12.1%
4.93B▲ 99916.4%
4.93B▲ 0%
FCF Growth %
13.5%25.98%1.65%-4.94%9.18%12.28%8.51%-12.06%99916.38%96994.6%
FCF / Revenue %
73.81%78.88%77.57%74.37%67.46%60.16%57.01%50.86%56871.38%61965.47%

LOAN Key Ratios

Manhattan Bridge Capital, Inc. (LOAN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
FFO per Share
0.730.820.760.590.420.450.480.490.450.45
FFO Payout Ratio
55.78%55.33%63.2%73.08%112.76%110.23%96.86%93.52%102.85%51.57%
NOI Margin
99.82%99.9%99.91%99.88%84.67%99.92%74.3%76.05%99.85%99.92%
Net Debt / EBITDA
3.74x2.45x2.83x4.61x4.86x5.93x5.71x4.00x-27.30x-0.03x
Debt / Assets
48.57%39.49%38.3%43.92%32.21%40.67%40.82%33.19%28.49%0%
Interest Coverage
3.81x2.47x2.75x4.10x4.23x3.85x3.15x3.38x3.91x-
Book Value / Share
5.466.113.313.324.123.733.743.783.773.77
Revenue Growth
21.47%17.88%3.37%-0.85%20.37%25.9%14.49%-1.42%-10.55%1.9%
Related:LOAN Dividend History·LOAN Revenue History·LOAN Price History·LOAN P/E History·LOAN Financial Ratios·LOAN Institutional Holders

LOAN SEC Filings & Documents

Manhattan Bridge Capital, Inc. (LOAN) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Feb 25, 2026·SEC

Material company update

Dec 16, 2025·SEC

Material company update

Nov 26, 2025·SEC

10-K Annual Reports

6
FY 2026

Mar 27, 2026·SEC

FY 2025

Mar 12, 2025·SEC

FY 2024

Mar 11, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 16, 2026·SEC

FY 2025

Oct 24, 2025·SEC

FY 2025

Jul 22, 2025·SEC

LOAN Frequently Asked Questions

Manhattan Bridge Capital, Inc. (LOAN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Manhattan Bridge Capital, Inc. (LOAN) reported $8.0M in revenue for fiscal year 2025. This represents a 184% increase from $2.8M in 1998.

Manhattan Bridge Capital, Inc. (LOAN) saw revenue decline by 10.6% over the past year.

Yes, Manhattan Bridge Capital, Inc. (LOAN) is profitable, generating $5.0M in net income for fiscal year 2025 (59.0% net margin).

Dividend & Returns

Yes, Manhattan Bridge Capital, Inc. (LOAN) pays a dividend with a yield of 10.50%. This makes it attractive for income-focused investors.

Manhattan Bridge Capital, Inc. (LOAN) has a return on equity (ROE) of 11.8%. This is reasonable for most industries.

Industry Metrics

Manhattan Bridge Capital, Inc. (LOAN) generated Funds From Operations (FFO) of $5.1M in the trailing twelve months. FFO is the primary profitability metric for REITs.

Manhattan Bridge Capital, Inc. (LOAN) offers a 10.50% dividend yield, which is attractive for income investors. REITs are required to distribute at least 90% of taxable income to shareholders.

What if you invested $1,000 in LOAN back in 1998?

Total return calculator · dividends reinvested · 28+ years of data

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How much would $100/month in LOAN be worth today?

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