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LOAN logoManhattan Bridge Capital, Inc.(LOAN)Earnings, Financials & Key Ratios

LOAN•NASDAQ•REIT / Real Estate
$4.25
$49M mkt cap·8.7× P/E·Price updated May 6, 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$10M+32.7%
  • FFO$6M+2.1%
  • FFO/Share0.49+2.4%
  • FFO Payout93.52%-3.4%
  • FFO per Share0.49+2.4%
  • NOI Margin76.05%-23.6%
  • FFO Margin57.76%-23.0%
  • ROE12.97%+1.6%
  • ROA7.75%+8.0%
  • Debt/Assets33.19%-18.7%
  • Net Debt/EBITDA2.83-50.5%
  • Book Value/Share3.78+1.0%
Technical→

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 76.0%
  • ✓Trading at only 1.1x book value

✗Weaknesses

No significant weaknesses identified

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

LOAN Price & Volume

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

Loading chart...

LOAN Growth Metrics

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

Revenue CAGR

10 Years15.17%
5 Years11.14%
3 Years18.84%
TTM-19.16%

Profit CAGR

10 Years14.41%
5 Years4.46%
3 Years8.12%
TTM-6.01%

EPS CAGR

10 Years5.39%
5 Years0.84%
3 Years5.27%
TTM-6.12%

Return on Capital

10 Years11.63%
5 Years9.28%
3 Years9.57%
Last Year11.25%

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
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
GPMT logoGPMTGranite Point Mortgage Trust Inc.Direct Competitor70.87M1.49-1.28187.77%-30.49%-7.1%2.12
TPVG logoTPVGTriplePoint Venture Growth BDC Corp.Direct Competitor225.54M5.574.5736.55%13.09%1.33
FBRT logoFBRTFranklin BSP Realty Trust, Inc.Direct Competitor704.6M9.1614.30-100%17.89%4.73%2.78
SACH logoSACHSachem Capital Corp.Direct Competitor51.32M1.0727.30-18.16%16.66%3.56%1.59
REFI logoREFIChicago Atlantic Real Estate Finance, Inc.Direct Competitor258.17M12.257.29-100%871.56%46.65%0.16
RC logoRCReady Capital CorporationProduct Competitor330.14M2.04-0.78-92.98%-16.58%3.12
ACRE logoACREAres Commercial Real Estate CorporationProduct Competitor287.24M5.22-318.29-2.79%-1.6%-0.18%2.06
KREF logoKREFKKR Real Estate Finance Trust Inc.Product Competitor422.45M6.57-6.26-22.72%-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 OPEN

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
Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Revenue3.86M4.69M5.53M5.71M5.66M5.77M6.76M7.3M9.69M7.56M
Revenue Growth %16.72%21.47%17.88%3.37%-0.85%1.91%17.13%7.99%32.68%-19.16%
Property Operating Expenses12.49K8.3K5.42K5.16K7.01K9.8K6.81K31.73K2.32M10.34K
Net Operating Income (NOI)
3.85M▲ 0%
4.68M▲ 21.7%
5.52M▲ 18.0%
5.71M▲ 3.4%
5.66M▼ 0.9%
5.76M▲ 1.9%
6.75M▲ 17.2%
7.27M▲ 7.6%
7.37M▲ 1.3%
7.55M▲ 0%
NOI Margin %99.68%99.82%99.9%99.91%99.88%99.83%99.9%99.57%76.05%99.86%
Operating Expenses1.01M1.23M1.32M1.21M1.45M-1.35M273.57K1.83M1.78M3.16M
G&A Expenses1.01M1.23M1.32M1.2M1.43M1.35M1.55M1.83M1.78M1.86M
EBITDA4.65M5.92M8.93M7.34M5.67M5.78M8.59M5.45M7.92M4.41M
EBITDA Margin %120.44%126.24%161.52%128.43%100.1%100.13%127.02%74.6%81.7%58.33%
Depreciation & Amortization1.79M2.46M3.02M2.84M1.44M1.36M1.55M4.06K4.87K19.97K
D&A / Revenue %46.49%52.41%54.69%49.74%25.43%23.5%22.98%0.06%0.05%0.26%
Operating Income
2.85M▲ 0%
3.46M▲ 21.3%
5.9M▲ 70.6%
4.5M▼ 23.9%
4.23M▼ 5.9%
4.42M▲ 4.6%
7.04M▲ 59.0%
5.44M▼ 22.6%
7.91M▲ 45.3%
4.39M▲ 0%
Operating Margin %73.95%73.83%106.83%78.68%74.68%76.63%104.05%74.54%81.65%58.07%
Interest Expense780.12K1.23M1.7M1.64M1.36M1.05M1.82M2.53M2.34M1.38M
Interest Coverage3.66x2.82x3.47x2.75x3.12x4.23x3.86x2.15x3.38x-
Non-Operating Income-765.12K-1.21M00-1.36M-1.05M-1.82M-2.53M02.77M
Pretax Income
2.84M▲ 0%
3.44M▲ 21.2%
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%
5.3M▲ 0%
Pretax Margin %73.56%73.4%76.09%78.68%74.68%76.63%77.09%75%57.71%70.01%
Income Tax2.15K2.97K6425726456476506506501.21K
Effective Tax Rate %0.08%0.09%0.02%0.01%0.02%0.01%0.01%0.01%0.01%0.02%
Net Income
2.84M▲ 0%
3.44M▲ 21.2%
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%
5.29M▲ 0%
Net Margin %73.5%73.34%76.07%78.67%74.67%76.62%77.08%75%57.71%69.99%
Net Income Growth %26.79%21.2%22.27%6.9%-5.9%4.59%17.82%5.07%2.1%-6.01%
Funds From Operations (FFO)
4.63M▲ 0%
5.9M▲ 27.3%
7.23M▲ 22.6%
7.34M▲ 1.5%
5.67M▼ 22.7%
5.78M▲ 1.9%
6.77M▲ 17.1%
5.48M▼ 19.0%
5.6M▲ 2.1%
5.36M▲ 0%
FFO Margin %119.99%125.75%130.76%128.42%100.09%100.12%100.06%75.05%57.76%70.88%
FFO Growth %106.46%27.3%22.57%1.51%-22.72%1.94%17.06%-19%2.11%-19.45%
FFO per Share0.610.730.820.760.590.550.590.480.490.47
FFO Payout Ratio %58.39%55.78%55.33%63.2%73.08%86.34%84.95%96.86%93.52%73.6%
EPS (Diluted)
0.37▲ 0%
0.42▲ 13.5%
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%
0.46▲ 0%
EPS Growth %12.12%13.51%14.29%-2.08%-6.38%-4.55%7.14%6.67%2.08%-6.12%
EPS (Basic)0.370.420.480.470.440.420.450.480.49-
Diluted Shares Outstanding7.61M8.13M8.8M9.66M9.63M10.52M11.49M11.47M11.44M11.44M

LOAN Balance Sheet

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

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Total Assets35.33M45.9M55.9M54.44M59.84M67.21M76.28M76.43M67.93M59.99M
Asset Growth %11.62%29.9%21.8%-2.61%9.92%12.3%13.5%0.2%-11.13%-40.1%
Real Estate & Other Assets7.32M-45.81M-55.79M75.86K-369.7K75.28K67.27K91.22K78.25K-57.96M
PP&E (Net)7.98K0087.75K369.7K317.08K262.22K207.36K154.04K114.43K
Investment Securities35K15K00000001000K
Total Current Assets27.97M45.8M55.79M54.28M958.89K66.81M75.95M6.07M67.7M58.15M
Cash & Equivalents96.3K136.44K203.68K118.41K131.65K142.55K103.54K104.22K178.01K186.44K
Receivables1000K535.04K596.78K1000K827.24K1000K1000K1000K1000K1000K
Other Current Assets29.4K45.12M54.99M676K0955.44K1.36M2.98M1.54M0
Intangible Assets0000000000
Total Liabilities13.02M23.65M23.82M22.5M27.88M23.82M33.42M33.5M24.66M16.67M
Total Debt11.79M22.29M22.07M20.85M26.28M21.65M31.02M31.2M22.55M15.31M
Net Debt11.69M22.16M21.87M20.73M26.15M21.51M30.92M31.1M22.37M15.12M
Long-Term Debt5.3M22.29M22.07M20.76M25.91M21.32M30.75M30.98M22.38M15.19M
Short-Term Borrowings6.48M16.91M00000000
Capital Lease Obligations00091.03K309.58K324.25K273.49K220.53K167.12K586.62K
Total Current Liabilities7.72M18.27M23.82M1.63M20.85M2.17M2.4M1.58M2.18M10.54M
Accounts Payable105.54K167.56K183.72K151.82K168.94K154.17K289.87K295.29K232.24K171.56K
Deferred Revenue315.41K298.47K404.68K0367.64K00000
Other Liabilities0-22.29M-22.07M15K-26.22M00001.36M
Total Equity
34M▲ 0%
44.4M▲ 30.6%
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%
43.32M▲ 0%
Equity Growth %91.64%30.58%21.17%-40.63%0.07%35.73%-1.2%0.16%0.77%2%
Shareholders Equity22.31M22.25M32.08M31.94M31.96M43.39M42.86M42.93M43.27M43.32M
Minority Interest11.69M22.16M21.72M0000000
Common Stock8.31K8.32K9.87K9.88K9.88K11.76K11.76K11.76K11.76K11.76K
Additional Paid-in Capital23.13M23.17M33.11M33.14M33.16M45.52M45.54M45.55M45.56M45.57M
Retained Earnings-459.1K-387.67K-448.8K-590.81K-403.85K-1.35M-1.89M-1.57M-1.24M-1.2M
Preferred Stock0000000000
Return on Assets (ROA)8.47%8.47%8.26%8.15%7.4%6.96%7.26%7.17%7.75%8.11%
Return on Equity (ROE)10.96%8.77%8.56%10.48%13.24%11.74%12.09%12.77%12.97%12.22%
Debt / Assets33.35%48.57%39.49%38.3%43.92%32.21%40.67%40.82%33.19%25.52%
Debt / Equity0.35x0.50x0.41x0.65x0.82x0.50x0.72x0.73x0.52x0.52x
Net Debt / EBITDA2.51x3.74x2.45x2.83x4.61x3.72x3.60x5.71x2.83x2.83x
Book Value per Share4.475.466.113.313.324.123.733.743.783.79

LOAN Cash Flow Statement

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

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations3.05M3.46M4.36M4.43M4.22M4.6M5.17M5.61M4.93M4.93M
Operating CF Growth %43.85%13.45%25.95%1.62%-4.74%8.95%12.34%8.54%-12.06%-56.88%
Operating CF / Revenue %79.07%73.84%78.9%77.57%74.53%79.67%76.42%76.81%50.9%65.17%
Net Income2.84M3.44M4.2M4.49M4.23M4.42M5.21M5.48M5.59M5.29M
Depreciation & Amortization3.81K4.59K3.71K1.41K1.14K2.27K2.31K4.06K4.87K49.87K
Stock-Based Compensation13.59K13.06K13.06K13.06K13.06K13.06K13.06K13.06K13.06K13.06K
Other Non-Cash Items101.35K129.13K98.69K3.27K101.95K91.31K117.83K95.3K88.58K74.41K
Working Capital Changes81.15K-143.12K40.88K-190.17K-124K69.4K-177.95K19.87K-765.59K-667.45K
Cash from Investing-3.85M-10.37M-9.71M1.37M-4.61M-7.62M-8.77M1.43M7.55M10.68M
Acquisitions (Net)0000000000
Purchase of Investments0000000000
Sale of Investments0000000000
Other Investing-3.85M-10.37M-9.71M1.37M-4.6M-7.62M-8.77M1.44M7.55M10.68M
Cash from Financing791.9K6.95M5.57M-6.03M726.24K2.7M3.56M-5.45M-13.97M-15.38M
Dividends Paid-2.7M-3.29M-4M-4.64M-4.14M-4.99M-5.75M-5.31M-5.23M-5.26M
Common Dividends-2.7M-3.29M-4M-4.64M-4.14M-4.99M-5.75M-5.31M-5.23M-3.95M
Debt Issuance (Net)-28.95K1000K-292.45K-1000K1000K-1000K1000K158.1K-1000K-4M
Share Repurchases0-172.16K-48.74K-29.45K-179.25K00-261.67K-9.8K0
Other Financing3.53M-22.68K28.35K20.44K-27.1K0-35.82K-38.19K026.45M
Net Change in Cash
-10.54K▲ 0%
40.14K▲ 481.0%
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%
32.42K▲ 0%
Exchange Rate Effect0000000000
Cash at Beginning106.84K96.3K136.44K355.06K118.41K459.14K142.55K103.54K1.69M209.64K
Cash at End96.3K136.44K355.06K118.41K459.14K142.55K103.54K1.69M201.76K200.28K
Free Cash Flow
3.05M▲ 0%
3.46M▲ 13.5%
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%
4.73M▲ 0%
FCF Growth %44.33%13.5%25.98%1.65%-4.94%9.18%12.28%8.51%-12.06%845.06%
FCF / Revenue %78.99%73.81%78.88%77.57%74.37%79.67%76.37%76.74%50.86%62.56%

LOAN Key Ratios

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

Metric201620172018201920202021202220232024TTM
FFO per Share0.610.730.820.760.590.550.590.480.490.47
FFO Payout Ratio58.39%55.78%55.33%63.2%73.08%86.34%84.95%96.86%93.52%73.6%
NOI Margin99.68%99.82%99.9%99.91%99.88%99.83%99.9%99.57%76.05%99.86%
Net Debt / EBITDA2.51x3.74x2.45x2.83x4.61x3.72x3.60x5.71x2.83x2.83x
Debt / Assets33.35%48.57%39.49%38.3%43.92%32.21%40.67%40.82%33.19%25.52%
Interest Coverage3.66x2.82x3.47x2.75x3.12x4.23x3.86x2.15x3.38x-
Book Value / Share4.475.466.113.313.324.123.733.743.783.79
Revenue Growth16.72%21.47%17.88%3.37%-0.85%1.91%17.13%7.99%32.68%-19.16%

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 $7.6M in revenue for fiscal year 2024. This represents a 170% increase from $2.8M in 1998.

Manhattan Bridge Capital, Inc. (LOAN) grew revenue by 32.7% over the past year. This is strong growth.

Yes, Manhattan Bridge Capital, Inc. (LOAN) is profitable, generating $5.3M in net income for fiscal year 2024 (57.7% net margin).

Dividend & Returns

Yes, Manhattan Bridge Capital, Inc. (LOAN) pays a dividend with a yield of 10.77%. This makes it attractive for income-focused investors.

Manhattan Bridge Capital, Inc. (LOAN) has a return on equity (ROE) of 13.0%. This is reasonable for most industries.

Industry Metrics

Manhattan Bridge Capital, Inc. (LOAN) generated Funds From Operations (FFO) of $5.4M in the trailing twelve months. FFO is the primary profitability metric for REITs.

Manhattan Bridge Capital, Inc. (LOAN) offers a 10.77% dividend yield, which is attractive for income investors. REITs are required to distribute at least 90% of taxable income to shareholders.

Explore More LOAN

Manhattan Bridge Capital, Inc. (LOAN) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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