Manhattan Bridge Financials
This page shows Manhattan Bridge (LOAN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Manhattan Bridge has an operating margin of 57.5%, meaning the company retains $58 of operating profit per $100 of revenue. This strong profitability earns a score of 100/100, reflecting efficient cost management and pricing power. This is up from 55.6% the prior year.
Manhattan Bridge's revenue declined 1.1% year-over-year, from $9.8M to $9.7M. This contraction results in a growth score of 25/100.
Manhattan Bridge carries a low D/E ratio of 0.56, meaning only $0.56 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 90/100, indicating a strong balance sheet with room for future borrowing.
Manhattan Bridge converts 50.9% of revenue into free cash flow ($4.9M). This strong cash generation earns a score of 100/100.
Manhattan Bridge's ROE of 12.9% shows moderate profitability relative to equity, earning a score of 52/100. This is up from 12.8% the prior year.
Manhattan Bridge passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Manhattan Bridge generates $0.88 in operating cash flow ($4.9M OCF vs $5.6M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Manhattan Bridge earns $2.5 in operating income for every $1 of interest expense ($5.6M vs $2.2M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
Key Financial Metrics
Manhattan Bridge generated $9.7M in revenue in fiscal year 2024. This represents a decrease of 1.1% from the prior year.
Manhattan Bridge's EBITDA was $5.6M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 2.4% from the prior year.
Manhattan Bridge generated $4.9M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 8.6% from the prior year.
Manhattan Bridge reported $5.6M in net income in fiscal year 2024. This represents an increase of 2.1% from the prior year.
Manhattan Bridge earned $0.49 per diluted share (EPS) in fiscal year 2024. This represents an increase of 2.1% from the prior year.
Manhattan Bridge held $178K in cash against $0 in long-term debt as of fiscal year 2024.
Manhattan Bridge had 11M shares outstanding in fiscal year 2024. This represents a decrease of 0.0% from the prior year.
Manhattan Bridge's operating margin was 57.5% in fiscal year 2024, reflecting core business profitability. This is up 2.0 percentage points from the prior year.
Manhattan Bridge's net profit margin was 57.7% in fiscal year 2024, showing the share of revenue converted to profit. This is up 1.8 percentage points from the prior year.
Manhattan Bridge's ROE was 12.9% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the prior year.
Manhattan Bridge invested $4K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 21.0% from the prior year.
LOAN Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.0M-13.6% | $2.4M+3.6% | $2.3M-3.6% | $2.4M-3.4% | $2.4M-5.0% | $2.6M+0.3% | $2.6M+5.4% | $2.4M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $414K-5.5% | $438K-3.5% | $454K-17.7% | $551K+26.9% | $434K+5.9% | $410K-25.5% | $551K+46.1% | $377K |
| Operating Income | $1.2M-15.0% | $1.4M+3.0% | $1.4M+5.1% | $1.3M-7.4% | $1.4M-4.5% | $1.5M+9.5% | $1.3M-6.8% | $1.4M |
| Interest Expense | $400K-17.4% | $484K+12.8% | $429K-11.3% | $484K-16.7% | $581K-13.1% | $669K | N/A | N/A |
| Income Tax | N/A | $1K | N/A | N/A | $650 | N/A | N/A | N/A |
| Net Income | $1.2M-14.9% | $1.4M+2.9% | $1.4M+5.1% | $1.3M-7.3% | $1.4M-4.5% | $1.5M+9.5% | $1.3M-6.8% | $1.4M |
| EPS (Diluted) | $0.11-8.3% | $0.120.0% | $0.120.0% | $0.120.0% | $0.12-7.7% | $0.13+8.3% | $0.12-7.7% | $0.13 |
LOAN Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $60.0M-11.3% | $67.6M+2.7% | $65.8M-2.3% | $67.4M-2.1% | $68.8M-8.1% | $74.8M-2.1% | $76.4M+5.3% | $72.6M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $186K-10.7% | $209K+3.7% | $201K+13.1% | $178K+68.0% | $106K+21.6% | $87K-16.4% | $104K-21.7% | $133K |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $16.7M-31.0% | $24.2M+7.6% | $22.5M-6.8% | $24.1M-5.9% | $25.6M-19.3% | $31.7M-5.3% | $33.5M+12.9% | $29.7M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $43.3M-0.3% | $43.4M+0.2% | $43.3M+0.1% | $43.3M+0.2% | $43.2M+0.2% | $43.1M+0.4% | $42.9M0.0% | $42.9M |
| Retained Earnings | -$1.2M-10.5% | -$1.1M+8.3% | -$1.2M+4.7% | -$1.2M+5.7% | -$1.3M+6.7% | -$1.4M+10.3% | -$1.6M+3.8% | -$1.6M |
LOAN Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.4M+14.1% | $1.2M+3.8% | $1.2M-7.1% | $1.3M-1.1% | $1.3M+12.6% | $1.1M-9.3% | $1.3M-11.4% | $1.4M |
| Capital Expenditures | $0 | N/A | N/A | $0 | N/A | N/A | $0 | $0 |
| Free Cash Flow | $1.4M | N/A | N/A | $1.3M | N/A | N/A | $1.3M-11.4% | $1.4M |
| Investing Cash Flow | $7.4M+555.1% | -$1.6M-192.2% | $1.8M-37.7% | $2.8M-51.7% | $5.8M+935.5% | $565K+127.5% | -$2.1M-108.1% | -$987K |
| Financing Cash Flow | -$8.8M-2400.6% | $382K+113.1% | -$2.9M+28.1% | -$4.1M+45.3% | -$7.4M-147.5% | -$3.0M-227.4% | $2.4M+529.7% | -$548K |
| Dividends Paid | $1.3M0.0% | $1.3M0.0% | $1.3M0.0% | $1.3M0.0% | $1.3M+2.2% | $1.3M-0.1% | $1.3M-0.1% | $1.3M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
LOAN Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | 58.8%-1.0pp | 59.9%-0.3pp | 60.2%+5.0pp | 55.2%-2.3pp | 57.5%+0.3pp | 57.2%+4.8pp | 52.4%-6.9pp | 59.2% |
| Net Margin | 59.1%-0.9pp | 60.0%-0.4pp | 60.4%+5.0pp | 55.4%-2.3pp | 57.7%+0.3pp | 57.4%+4.8pp | 52.6%-6.9pp | 59.4% |
| Return on Equity | 2.8%-0.5pp | 3.3%+0.1pp | 3.2%+0.1pp | 3.0%-0.2pp | 3.3%-0.2pp | 3.4%+0.3pp | 3.1%-0.2pp | 3.4% |
| Return on Assets | 2.0%-0.1pp | 2.1%0.0pp | 2.1%+0.1pp | 1.9%-0.1pp | 2.1%+0.1pp | 2.0%+0.2pp | 1.8%-0.2pp | 2.0% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.38-0.2 | 0.56+0.0 | 0.52-0.0 | 0.56-0.0 | 0.59-0.1 | 0.74-0.0 | 0.78+0.1 | 0.69 |
| FCF Margin | 68.7% | N/A | N/A | 53.9% | N/A | N/A | 49.0%-9.3pp | 58.3% |
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Frequently Asked Questions
What is Manhattan Bridge's annual revenue?
Manhattan Bridge (LOAN) reported $9.7M in total revenue for fiscal year 2024. This represents a -1.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Manhattan Bridge's revenue growing?
Manhattan Bridge (LOAN) revenue declined by 1.1% year-over-year, from $9.8M to $9.7M in fiscal year 2024.
Is Manhattan Bridge profitable?
Yes, Manhattan Bridge (LOAN) reported a net income of $5.6M in fiscal year 2024, with a net profit margin of 57.7%.
What is Manhattan Bridge's earnings per share (EPS)?
Manhattan Bridge (LOAN) reported diluted earnings per share of $0.49 for fiscal year 2024. This represents a 2.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Manhattan Bridge's EBITDA?
Manhattan Bridge (LOAN) had EBITDA of $5.6M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
What is Manhattan Bridge's operating margin?
Manhattan Bridge (LOAN) had an operating margin of 57.5% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is Manhattan Bridge's net profit margin?
Manhattan Bridge (LOAN) had a net profit margin of 57.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Manhattan Bridge's return on equity (ROE)?
Manhattan Bridge (LOAN) has a return on equity of 12.9% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Manhattan Bridge's free cash flow?
Manhattan Bridge (LOAN) generated $4.9M in free cash flow during fiscal year 2024. This represents a -8.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Manhattan Bridge's operating cash flow?
Manhattan Bridge (LOAN) generated $4.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Manhattan Bridge's total assets?
Manhattan Bridge (LOAN) had $67.4M in total assets as of fiscal year 2024, including both current and long-term assets.
What are Manhattan Bridge's capital expenditures?
Manhattan Bridge (LOAN) invested $4K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Manhattan Bridge have outstanding?
Manhattan Bridge (LOAN) had 11M shares outstanding as of fiscal year 2024.
What is Manhattan Bridge's debt-to-equity ratio?
Manhattan Bridge (LOAN) had a debt-to-equity ratio of 0.56 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Manhattan Bridge's return on assets (ROA)?
Manhattan Bridge (LOAN) had a return on assets of 8.3% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Manhattan Bridge's Piotroski F-Score?
Manhattan Bridge (LOAN) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Manhattan Bridge's earnings high quality?
Manhattan Bridge (LOAN) has an earnings quality ratio of 0.88x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Manhattan Bridge cover its interest payments?
Manhattan Bridge (LOAN) has an interest coverage ratio of 2.5x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Manhattan Bridge?
Manhattan Bridge (LOAN) scores 74 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.