What is Manhattan Bridge's earnings per share (EPS)?

Manhattan Bridge (LOAN) reported diluted earnings per share of $0.45 for fiscal year 2025. This represents a -8.2% 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.

Manhattan Bridge (LOAN) Financials

LOAN

FY2025 annual

Revenue $8.7M -10.6% YoY

Net Income $5.1M -8.6% YoY

EPS (Diluted) $0.45 -8.2% YoY

Free Cash Flow $4.9M 0.0% YoY

Market Cap $46.6M as of Sep 5, 2026

Price / Sales 5.7x on $8.2M revenue, trailing 12 months to June 30, 2026

Price / Earnings 9.8x on $4.8M net income, trailing 12 months to June 30, 2026

Price / Book 1.1x on $43.0M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 23, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 23, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the LOAN SEC filings page.

Manhattan Bridge (LOAN) reported $8.7M in revenue for fiscal year 2025, down 10.6% from the prior fiscal year. This page shows its 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).

Rhea AI LOAN FY2025 2026-08-29

Cash-generative lending economics remained intact while a shrinking balance sheet and lower leverage became the dominant operating mechanic.

In FY2025, net income of $5.1M translated into operating cash flow of $4.9M, while free cash flow was effectively identical, showing that accounting earnings were largely available as cash rather than consumed by reinvestment. The same relationship held in FY2024, so this is a recurring earnings-quality feature rather than a one-year effect.

Revenue contracted 10.6% in FY2025, yet operating margin reached 58.8%, indicating that expense control or revenue mix offset weaker volume. Lower interest expense, from $2.2M to $1.6M, also helped net margin remain near 59.0%.

Balance-sheet contraction came with deleveraging: total assets fell 7.4%, while debt-to-equity declined from 0.6x to 0.4x, without a comparable erosion in equity. Financing cash outflow of $10.2M exceeded dividends of $5.3M, indicating that cash allocation involved more than shareholder distributions alone.

Financial Health Signals

Financial Health Score 53/100

Scored as: REITs peer group

Scored against REITs for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Manhattan Bridge's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

FFO Margin

FFO Margin measures funds from operations against revenue, and funds from operations is net income with property depreciation added back, since a building written down a little further every year on paper is often worth more rather than less. Manhattan Bridge scores 88/100 on it among other REITs.

FFO Growth

FFO Growth follows the three-year path of funds from operations, which is net income with property depreciation added back. Manhattan Bridge scores 30/100 on it among other REITs.

Leverage

Not available for Manhattan Bridge, and counted as zero in the overall score.

Interest Cov.

Manhattan Bridge's operating income of $5.1M covered its interest expense of $1.6M 3.10 times over in fiscal year 2025. The interest coverage axis ranks REITs on operating income against interest owed, and Manhattan Bridge scores 72/100 among other REITs.

AFFO Margin

AFFO Margin takes funds from operations, subtracts the spending a REIT needs just to keep its properties in working order, and measures what is left against revenue. Manhattan Bridge scores 97/100 on it among other REITs.

Dividend Cov.

Dividend coverage measures funds from operations against the dividends actually paid, and a figure above 1 means the payout came out of operations. Manhattan Bridge scores 28/100 on it among other REITs.

Piotroski F-Score Partial

3/6

Manhattan Bridge passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.96x

For every $1 of reported earnings, Manhattan Bridge generates $0.96 in operating cash flow ($4.9M OCF vs $5.1M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Interest Coverage Adequate

3.10x

Manhattan Bridge earns $3.10 in operating income for every $1 of interest expense ($5.1M vs $1.6M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2.0M

YoY-13.2%

QoQ-1.1%

5Y CAGR+3.6%

10Y CAGR+5.8%

Manhattan Bridge generated $2.0M in revenue in Q2 2026. This represents a decrease of 13.2% from the same quarter a year earlier. Against the prior quarter it is down 1.1%.

EBITDA

$1.1M

YoY-18.5%

QoQ-9.5%

5Y CAGR+1.7%

Manhattan Bridge's EBITDA was $1.1M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 18.5% from the same quarter a year earlier. Against the prior quarter it is down 9.5%.

Net Income

$1.2M

YoY-18.4%

QoQ-9.5%

5Y CAGR+1.7%

10Y CAGR+5.0%

Manhattan Bridge reported $1.2M in net income in Q2 2026. This represents a decrease of 18.4% from the same quarter a year earlier. Against the prior quarter it is down 9.5%.

EPS (Diluted)

$0.10

YoY-16.7%

QoQ-9.1%

5Y CAGR-1.9%

10Y CAGR0.0%

Manhattan Bridge earned $0.10 per diluted share (EPS) in Q2 2026. This represents a decrease of 16.7% from the same quarter a year earlier. Against the prior quarter it is down 9.1%.

Cash & Balance Sheet

Cash & Debt

$230K

YoY+10.0%

QoQ+24.8%

5Y CAGR+8.4%

10Y CAGR+6.1%

Manhattan Bridge held $230K in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

11M

YoY-0.1%

QoQ0.0%

5Y CAGR-0.1%

10Y CAGR+4.6%

Manhattan Bridge had 11M shares outstanding in Q2 2026. This represents a decrease of 0.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Operating Margin

56.2%

YoY-3.6pp

QoQ-5.2pp

5Y CAGR-5.3pp

Manhattan Bridge's operating margin was 56.2% in Q2 2026, reflecting core business profitability. This is down 3.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 5.2 percentage points.

Net Margin

56.4%

YoY-3.6pp

QoQ-5.3pp

5Y CAGR-5.4pp

10Y CAGR-4.5pp

Manhattan Bridge's net profit margin was 56.4% in Q2 2026, showing the share of revenue converted to profit. This is down 3.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 5.3 percentage points.

Return on Equity

2.7%

YoY-0.6pp

QoQ-0.3pp

5Y CAGR-0.5pp

10Y CAGR-1.1pp

Manhattan Bridge's ROE was 2.7% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

LOAN Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

LOAN quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$8.2M	$8.7M-10.6%	$9.7M-1.1%	$9.8M+14.3%	$8.6M+25.9%	$6.8M-2.8%	$7.0M-4.5%	$7.3M+1.6%	$7.2M+22.1%	$5.9M+27.3%	$4.6M+16.2%	$4.0M+37.8%	$2.9M+28.5%	$2.3M+24.5%	$1.8M+29.6%	$1.4M
SG&A Expenses	$1.8M	$1.8M+2.1%	$1.8M-2.7%	$1.8M+17.8%	$1.5M+14.9%	$1.3M-6.0%	$1.4M+19.3%	$1.2M-9.0%	$1.3M+7.7%	$1.2M+22.0%	$1.0M-3.2%	$1.0M+18.5%	$877K+4.7%	$838K-3.1%	$864K-0.3%	$867K
Operating Income	$4.7M	$5.1M-8.6%	$5.6M+2.4%	$5.4M+4.8%	$5.2M+17.9%	$4.4M+4.7%	$4.2M-6.4%	$4.5M+7.0%	$4.2M+21.4%	$3.5M+21.3%	$2.9M+25.8%	$2.3M+55.2%	$1.5M+49.5%	$977K+47.1%	$664K+80.0%	$369K
EBITDA	N/A	$5.1M-8.6%	$5.6M+2.4%	$5.4M+4.8%	$5.2M+17.9%	$4.4M+4.7%	$4.2M-6.4%	$4.5M+7.0%	$4.2M+21.3%	$3.5M+21.3%	$2.9M+25.7%	$2.3M+55.6%	$1.5M	N/A	N/A	N/A
Interest Expense	$1.5M	$1.6M-26.9%	$2.2M-7.6%	$2.4M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	$1K+86.2%	$6500.0%	$6500.0%	$650+0.5%	$647+0.3%	$645+12.8%	$572-10.9%	$642-78.4%	$3K+38.4%	$2K+34.5%	$2K-94.3%	$28K-92.8%	$387K+27.6%	$303K+58.1%	$192K
Net Income	$4.8M	$5.1M-8.6%	$5.6M+2.1%	$5.5M+5.1%	$5.2M+17.8%	$4.4M+4.6%	$4.2M-5.9%	$4.5M+6.9%	$4.2M+22.3%	$3.4M+21.2%	$2.8M+26.8%	$2.2M+53.8%	$1.5M+149.5%	$583K+50.0%	$389K+51.5%	$257K
EPS (Basic)	N/A	$0.45-8.2%	$0.49+2.1%	$0.48+6.7%	$0.45+7.1%	$0.42-4.5%	$0.44-6.4%	$0.47-2.1%	$0.48+14.3%	$0.42+13.5%	$0.37+12.1%	$0.33+13.8%	$0.29+107.1%	$0.14+55.6%	$0.09+28.6%	$0.07
EPS (Diluted)	$0.42	$0.45-8.2%	$0.49+2.1%	$0.48+6.7%	$0.45+7.1%	$0.42-4.5%	$0.44-6.4%	$0.47-2.1%	$0.48+14.3%	$0.42+13.5%	$0.37+12.1%	$0.33+13.8%	$0.29+107.1%	$0.14+55.6%	$0.09+28.6%	$0.07
Diluted Shares (Avg)	N/A	11M0.0%	11M-0.3%	11M-0.2%	11M+9.2%	11M+9.3%	10M-0.3%	10M+9.8%	9M+8.2%	8M+6.8%	8M+12.1%	7M+34.2%	5M+17.9%	4M-0.8%	4M+18.7%	4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$2.0M-13.2%	$2.1M-9.1%	$2.0M-15.2%	$2.0M-12.0%	$2.4M-3.6%	$2.3M-11.6%	$2.4M-8.0%	$2.3M-4.9%
SG&A Expenses	$495K+13.1%	$431K-5.1%	$509K-7.7%	$414K+8.7%	$438K+0.8%	$454K+10.6%	$551K0.0%	$380K+0.9%
Operating Income	$1.1M-18.5%	$1.3M-7.2%	$1.1M-14.1%	$1.2M-14.1%	$1.4M+0.3%	$1.4M-7.0%	$1.3M-3.1%	$1.4M-3.3%
EBITDA	$1.1M-18.5%	$1.3M-7.3%	$1.1M-14.1%	$1.2M-14.1%	$1.4M+0.3%	$1.4M-7.0%	$1.3M-3.1%	$1.4M-3.2%
Interest Expense	$380K-21.6%	$345K-19.7%	$330K-31.9%	$400K-22.4%	$484K-16.7%	$429K-35.8%	$484K	$515K
Income Tax	$1K+7.4%	N/A	N/A	N/A	$1K+86.2%	N/A	N/A	N/A
Net Income	$1.2M-18.4%	$1.3M-7.2%	$1.1M-14.1%	$1.2M-14.1%	$1.4M+0.3%	$1.4M-7.0%	$1.3M-3.1%	$1.4M-3.3%
EPS (Basic)	$0.10-16.7%	$0.11-8.3%	$0.10-16.7%	$0.11-8.3%	$0.120.0%	$0.12-7.7%	$0.120.0%	$0.12-7.7%
EPS (Diluted)	$0.10-16.7%	$0.11-8.3%	$0.10-16.7%	$0.11-8.3%	$0.120.0%	$0.12-7.7%	$0.120.0%	$0.12-7.7%
Diluted Shares (Avg)	11M-0.1%	11M-0.1%	N/A	11M0.0%	11M0.0%	11M0.0%	N/A	11M-0.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.

LOAN Balance Sheet

LOAN quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$62.4M-7.4%	$67.4M-11.9%	$76.4M+0.2%	$76.3M+13.5%	$67.2M+12.3%	$59.8M+9.9%	$54.4M-2.6%	$55.9M+21.8%	$45.9M+29.9%	$35.3M+11.6%	$31.7M+29.5%	$24.4M+51.6%	$16.1M+12.4%	$14.3M+42.1%	$10.1M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$28.0M+35.0%	$20.7M+6.7%	$19.4M+63.1%	$11.9M+4.1%	$11.4M+57.5%	$7.3M
Cash & Equivalents	$205K+15.1%	$178K+70.8%	$104K+0.7%	$104K-27.4%	$143K+8.3%	$132K+11.2%	$118K-41.9%	$204K+49.3%	$136K+41.7%	$96K-9.9%	$107K+124.1%	$48K-95.3%	$1.0M+324.2%	$241K+8.5%	$222K
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$19.3M-20.1%	$24.1M-28.1%	$33.5M+0.3%	$33.4M+40.3%	$23.8M-14.6%	$27.9M+23.9%	$22.5M-5.6%	$23.8M+0.7%	$23.7M+81.6%	$13.0M-6.4%	$13.9M+31.5%	$10.6M+46.3%	$7.2M+23.4%	$5.9M+192.9%	$2.0M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$7.7M-44.5%	$13.9M+31.5%	$10.6M+46.3%	$7.2M+23.4%	$5.9M+290.4%	$1.5M
Non-Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$5.3M	$0	$0	$0	$0-100.0%	$500K
Total Equity	$43.1M-0.4%	$43.3M+0.8%	$42.9M+0.2%	$42.9M-1.2%	$43.4M+35.7%	$32.0M+0.1%	$31.9M-0.4%	$32.1M+44.2%	$22.2M-0.3%	$22.3M+25.8%	$17.7M+28.0%	$13.9M+55.9%	$8.9M+4.9%	$8.5M+4.8%	$8.1M
Retained Earnings	-$1.4M-12.1%	-$1.2M+21.0%	-$1.6M+16.9%	-$1.9M-39.7%	-$1.3M-234.1%	-$404K+31.6%	-$591K-31.6%	-$449K-15.8%	-$388K+15.6%	-$459K-16.0%	-$396K-449.1%	$113K+123.2%	-$488K+48.3%	-$943K+29.2%	-$1.3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$64.0M-5.3%	$64.3M-2.3%	$62.4M-7.4%	$60.0M-15.2%	$67.6M-1.7%	$65.8M-12.1%	$67.4M-11.9%	$70.7M-2.6%
Cash & Equivalents	$230K+10.0%	$184K-8.6%	$205K+15.1%	$186K+11.1%	$209K+97.1%	$201K+131.2%	$178K+70.8%	$168K+26.1%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$21.0M-13.1%	$21.1M-5.8%	$19.3M-20.1%	$16.7M-39.2%	$24.2M-5.6%	$22.5M-29.2%	$24.1M-28.1%	$27.4M-7.6%
Total Equity	$43.0M-1.0%	$43.1M-0.5%	$43.1M-0.4%	$43.3M+0.1%	$43.4M+0.6%	$43.3M+0.6%	$43.3M+0.8%	$43.3M+0.8%
Retained Earnings	-$1.5M-36.2%	-$1.4M-16.2%	-$1.4M-12.1%	-$1.2M+2.7%	-$1.1M+17.5%	-$1.2M+16.1%	-$1.2M+21.0%	-$1.2M+24.5%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

LOAN Cash Flow Statement

LOAN quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$5.2M	$4.9M-0.1%	$4.9M-8.6%	$5.4M+4.4%	$5.2M+12.3%	$4.6M+9.0%	$4.2M-4.7%	$4.4M+1.6%	$4.4M+26.0%	$3.5M+13.4%	$3.1M+43.8%	$2.1M+66.0%	$1.3M+62.7%	$786K+47.3%	$533K+39.9%	$381K
Depreciation & Amortization	N/A	$5K+2.3%	$5K+20.0%	$4K+75.9%	$2K+1.9%	$2K+99.6%	$1K-19.7%	$1K-61.9%	$4K-19.2%	$5K+20.6%	$4K-33.3%	$6K	$0	N/A	N/A	N/A
Stock-Based Compensation	N/A	$13K0.0%	$13K0.0%	$13K0.0%	$13K0.0%	$13K0.0%	$13K0.0%	$13K0.0%	$13K0.0%	$13K-3.9%	$14K-0.5%	$14K-52.5%	$29K-19.1%	$36K+15.2%	$31K-54.9%	$68K
Capital Expenditures	N/A	$418-89.6%	$4K-21.0%	$5K+77.1%	$3K	N/A	$9K	N/A	$1K-31.1%	$2K-44.8%	$3K-67.4%	$9K-51.5%	$19K	$0	N/A	N/A
Free Cash Flow	N/A	$4.9M0.0%	$4.9M-8.6%	$5.4M+4.4%	$5.2M	N/A	$4.2M	N/A	$4.4M+26.0%	$3.5M+13.5%	$3.0M+44.3%	$2.1M+67.7%	$1.3M+60.3%	$786K	N/A	N/A
Investing Cash Flow	$3.5M	$5.3M-29.6%	$7.5M+359.3%	$1.6M+118.7%	-$8.8M-15.1%	-$7.6M-65.3%	-$4.6M-437.2%	$1.4M+114.1%	-$9.7M+6.3%	-$10.4M-169.1%	-$3.9M+44.0%	-$6.9M	N/A	N/A	-$4.2M-199.7%	-$1.4M
Financing Cash Flow	-$8.6M	-$10.2M+26.9%	-$14.0M-156.3%	-$5.4M-252.9%	$3.6M+32.0%	$2.7M+272.0%	$726K+112.0%	-$6.0M-208.3%	$5.6M-19.8%	$6.9M+777.4%	$792K-83.6%	$4.8M	N/A	N/A	$3.7M+330.0%	$859K
Dividends Paid	$5.2M	$5.3M+0.5%	$5.2M-1.4%	$5.3M-7.6%	$5.7M+15.2%	$5.0M+20.4%	$4.1M-10.6%	$4.6M+15.9%	$4.0M+21.6%	$3.3M+21.6%	$2.7M+27.0%	$2.1M+149.5%	$853K+566.7%	$128K	$0	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$99K+247.8%	$29K	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$1.4M+16.9%	$1.3M+6.6%	$1.1M-11.6%	$1.4M+13.2%	$1.2M-4.6%	$1.2M+3.5%	$1.3M+1.0%	$1.2M-12.9%
Depreciation & Amortization	$356-74.6%	$570-59.0%	$976-29.8%	$1K-4.2%	$1K+21.3%	$1K+31.8%	$1K+31.6%	$1K+20.5%
Stock-Based Compensation	$3K0.0%	$3K0.0%	N/A	$3K0.0%	$3K0.0%	$3K0.0%	N/A	$3K0.0%
Capital Expenditures	N/A	N/A	$0	$0-100.0%	N/A	N/A	$0	$3K
Free Cash Flow	N/A	N/A	$1.1M-11.6%	$1.4M+13.5%	N/A	N/A	$1.3M+1.0%	$1.2M-13.1%
Investing Cash Flow	$154K+109.5%	-$1.9M-205.7%	-$2.2M-178.1%	$7.4M+538.5%	-$1.6M-127.7%	$1.8M+211.4%	$2.8M+237.3%	-$1.7M-70.5%
Financing Cash Flow	-$1.5M-502.1%	$577K+119.8%	$1.1M+127.3%	-$8.8M-1825.7%	$382K+105.1%	-$2.9M+2.7%	-$4.1M-272.3%	$509K+193.0%
Dividends Paid	$1.3M-4.4%	$1.3M-0.1%	$1.3M0.0%	$1.3M0.0%	$1.3M0.0%	$1.3M+2.2%	$1.3M+2.1%	$1.3M+2.0%

Not reported in any period shown, so not listed: Share Buybacks.

LOAN Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

LOAN quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	58.8%+1.2pp	57.5%+2.0pp	55.6%-5.0pp	60.6%-4.1pp	64.7%+4.6pp	60.1%-1.2pp	61.3%+3.1pp	58.2%-0.3pp	58.5%-2.9pp	61.4%+4.7pp	56.7%+6.4pp	50.3%+7.1pp	43.3%+6.7pp	36.6%+10.2pp	26.4%
Net Margin	59.0%+1.3pp	57.7%+1.8pp	55.9%-4.9pp	60.8%-4.2pp	65.0%+4.6pp	60.4%-0.9pp	61.2%+3.0pp	58.2%+0.1pp	58.1%-2.9pp	61.0%+5.1pp	55.9%+5.8pp	50.1%+24.3pp	25.8%+4.4pp	21.4%+3.1pp	18.3%
Return on Equity	11.9%-1.1pp	12.9%+0.2pp	12.8%+0.6pp	12.2%+2.0pp	10.2%-3.0pp	13.2%-0.8pp	14.1%+1.0pp	13.1%-2.3pp	15.5%+2.7pp	12.7%+0.1pp	12.6%+2.1pp	10.5%+3.9pp	6.6%+2.0pp	4.6%+1.4pp	3.2%
Return on Assets	8.2%-0.1pp	8.3%+1.1pp	7.2%+0.3pp	6.8%+0.3pp	6.6%-0.5pp	7.1%-1.2pp	8.3%+0.7pp	7.5%0.0pp	7.5%-0.5pp	8.0%+1.0pp	7.1%+1.1pp	5.9%+2.3pp	3.6%+0.9pp	2.7%+0.2pp	2.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	3.62+2.1x	1.49-0.3x	1.84+0.2x	1.65-0.3x	1.95-2.9x	4.84
Debt-to-Equity	0.45-0.1x	0.56-0.2x	0.780.0x	0.78+0.2x	0.55-0.3x	0.87+0.2x	0.700.0x	0.74-0.3x	1.06+0.5x	0.58-0.2x	0.780.0x	0.76-0.1x	0.81+0.1x	0.69+0.4x	0.25
Asset Turnover	0.140.0x	0.140.0x	0.130.0x	0.110.0x	0.100.0x	0.120.0x	0.130.0x	0.130.0x	0.130.0x	0.130.0x	0.130.0x	0.120.0x	0.140.0x	0.130.0x	0.14
FCF Margin	56.9%+6.0pp	50.9%-4.2pp	55.0%-5.2pp	60.3%	N/A	60.1%	N/A	60.3%+1.9pp	58.5%-7.1pp	65.6%+12.8pp	52.8%+9.4pp	43.4%+8.6pp	34.8%	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Margin	56.2%-3.6pp	61.4%+1.2pp	55.9%+0.7pp	58.8%-1.5pp	59.9%+2.3pp	60.2%+3.0pp	55.2%+2.8pp	60.3%+1.0pp
Net Margin	56.4%-3.6pp	61.6%+1.2pp	56.1%+0.7pp	59.1%-1.4pp	60.0%+2.3pp	60.4%+3.0pp	55.4%+2.8pp	60.5%+1.1pp
Return on Equity	2.7%-0.6pp	3.0%-0.2pp	2.6%-0.4pp	2.8%-0.5pp	3.3%0.0pp	3.2%-0.3pp	3.0%-0.1pp	3.2%-0.1pp
Return on Assets	1.8%-0.3pp	2.0%-0.1pp	1.8%-0.1pp	2.0%0.0pp	2.1%0.0pp	2.1%+0.1pp	1.9%+0.2pp	2.0%0.0pp
Debt-to-Equity	0.49-0.1x	0.490.0x	0.45-0.1x	0.38-0.2x	0.560.0x	0.52-0.2x	0.56-0.2x	0.63-0.1x
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x
FCF Margin	N/A	N/A	56.1%+2.2pp	68.7%+15.4pp	N/A	N/A	53.9%+4.8pp	53.3%-5.0pp

Not reported in any period shown, so not listed: Gross Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Manhattan Bridge LOAN	FY2025	$8.7M	$5.1M	59.0%	$46.6M	53/100
Sachem Capital SACH	FY2025	$21.5M	$6.3M	29.3%	$42.9M	13/100
Advanced Flower Capital Inc AFCG	FY2025	$24.6M	-$20.7M	-84.2%	$80.5M	10/100
Cherry Hill Mtg Invt Corp CHMI	FY2025	$23.3M	$6.9M	29.8%	$109.4M	0/100
Granite Point Mo GPMT	FY2025	$131.7M	-$41.2M	-31.2%	$50.1M	4/100
Lument Finance Trust Inc LFT	FY2025	N/A	-$2.7M	N/A	$37.8M	—

Where Manhattan Bridge Ranks

Frequently Asked Questions

What is Manhattan Bridge's annual revenue?

Manhattan Bridge (LOAN) reported $8.7M in total revenue for fiscal year 2025. This represents a -10.6% 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 10.6% year-over-year, from $9.7M to $8.7M in fiscal year 2025.

Is Manhattan Bridge profitable?

Yes, Manhattan Bridge (LOAN) reported a net income of $5.1M in fiscal year 2025, with a net profit margin of 59.0%.

What is Manhattan Bridge's EBITDA?

Manhattan Bridge (LOAN) had EBITDA of $5.1M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Manhattan Bridge's operating margin?

Manhattan Bridge (LOAN) had an operating margin of 58.8% in fiscal year 2025, 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 59.0% in fiscal year 2025, 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 11.9% for fiscal year 2025, 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 2025. That is unchanged from 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 2025, representing cash generated from core business activities.

What are Manhattan Bridge's total assets?

Manhattan Bridge (LOAN) had $62.4M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Manhattan Bridge's capital expenditures?

Manhattan Bridge (LOAN) invested $418 in capital expenditures during fiscal year 2025, 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 2025.

What is Manhattan Bridge's debt-to-equity ratio?

Manhattan Bridge (LOAN) had a debt-to-equity ratio of 0.45 as of fiscal year 2025, 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 8.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Manhattan Bridge's P/E ratio?

Manhattan Bridge (LOAN) trades at 9.8x earnings, its market capitalization divided by net income of $4.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $46.6M as of Sep 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Manhattan Bridge's price-to-sales ratio?

Manhattan Bridge (LOAN) trades at 5.7x sales, its market capitalization divided by revenue of $8.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $46.6M as of Sep 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Manhattan Bridge's Piotroski F-Score?

Manhattan Bridge (LOAN) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 0.96x, 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 3.10x, 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 53 out of 100 on our Financial Health Score, indicating moderate standing within its REITs peer group. The score is a 0-100 composite of six dimensions (FFO Margin, FFO Growth, Leverage, Interest Cov., AFFO Margin, Dividend Cov.), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.