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 Financials

LOAN

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Manhattan Bridge (LOAN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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 2026-04-22

Cash-generating assets support a high payout model, while lower leverage keeps returns steady on a smaller balance sheet.

From FY2023 to FY2025, debt-to-equity fell from 0.8x to 0.4x while return on assets improved from 7.2% to 8.2%, so the business earned at least as much on each asset dollar even with less borrowed support. The trade-off is visible in return on equity, which eased from 12.9% in FY2024 to 11.9% in FY2025 as a cleaner funding mix reduced leverage benefits.

Net income, operating cash flow, and free cash flow all stayed near $5.0M across FY2023-FY2025, and capital spending was negligible. That makes this a highly cash-converting model: reported profit is not being heavily consumed by reinvestment or working-capital buildup.

Cash on hand was only $205K in FY2025 despite about $4.9M of free cash flow, because most cash was distributed or used to shrink liabilities rather than stored on the balance sheet. With dividends above free cash flow in both FY2024 and FY2025, the balance sheet became smaller instead of more liquid.

Financial Health Signals

Financial Health Score 50/100

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 Growth

Interest Cov.

AFFO Margin

Dividend Cov.

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

3.1x

Manhattan Bridge earns $3.1 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

$8.7M

YoY-10.6%

5Y CAGR+4.3%

10Y CAGR+8.0%

Manhattan Bridge generated $8.7M in revenue in fiscal year 2025. This represents a decrease of 10.6% from the prior year.

EBITDA

$5.1M

YoY-8.6%

5Y CAGR+3.9%

10Y CAGR+8.4%

Manhattan Bridge's EBITDA was $5.1M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 8.6% from the prior year.

Net Income

$5.1M

YoY-8.6%

5Y CAGR+3.9%

10Y CAGR+8.6%

Manhattan Bridge reported $5.1M in net income in fiscal year 2025. This represents a decrease of 8.6% from the prior year.

EPS (Diluted)

$0.45

YoY-8.2%

5Y CAGR+0.5%

10Y CAGR+3.2%

Manhattan Bridge earned $0.45 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 8.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$4.9M

YoY+0.0%

5Y CAGR+3.2%

10Y CAGR+8.8%

Manhattan Bridge generated $4.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 0.0% from the prior year.

Cash & Debt

$205K

YoY+15.1%

5Y CAGR+9.2%

10Y CAGR+6.7%

Manhattan Bridge held $205K in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

11M

YoY-0.1%

5Y CAGR+3.5%

10Y CAGR+4.6%

Manhattan Bridge had 11M shares outstanding in fiscal year 2025. This represents a decrease of 0.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

58.8%

YoY+1.2pp

5Y CAGR-1.3pp

10Y CAGR+2.1pp

Manhattan Bridge's operating margin was 58.8% in fiscal year 2025, reflecting core business profitability. This is up 1.2 percentage points from the prior year.

Net Margin

59.0%

YoY+1.3pp

5Y CAGR-1.4pp

10Y CAGR+3.0pp

Manhattan Bridge's net profit margin was 59.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.3 percentage points from the prior year.

Return on Equity

11.9%

YoY-1.1pp

5Y CAGR-1.4pp

10Y CAGR-0.7pp

Manhattan Bridge's ROE was 11.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$418

YoY-89.6%

5Y CAGR-45.6%

10Y CAGR-26.6%

Manhattan Bridge invested $418 in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 89.6% from the prior year.

LOAN Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$8.7M-10.6%	$9.7M-1.1%	$9.8M+14.3%	$8.6M+25.9%	$6.8M-2.8%	$7.0M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$1.8M+2.1%	$1.8M-2.7%	$1.8M+17.8%	$1.5M+14.9%	$1.3M-6.0%	$1.4M
Operating Income	$5.1M-8.6%	$5.6M+2.4%	$5.4M+4.8%	$5.2M+17.9%	$4.4M+4.7%	$4.2M
Interest Expense	$1.6M-26.9%	$2.2M-7.6%	$2.4M	N/A	N/A	N/A
Income Tax	$1K+86.2%	$6500.0%	$6500.0%	$650+0.5%	$647+0.3%	$645
Net Income	$5.1M-8.6%	$5.6M+2.1%	$5.5M+5.1%	$5.2M+17.8%	$4.4M+4.6%	$4.2M
EPS (Diluted)	$0.45-8.2%	$0.49+2.1%	$0.48+6.7%	$0.45+7.1%	$0.42-4.5%	$0.44

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$2.1M+3.3%	$2.0M-1.7%	$2.0M-13.6%	$2.4M+3.6%	$2.3M-3.6%	$2.4M+2.0%	$2.3M-5.3%	$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	$431K-15.3%	$509K+23.0%	$414K-5.5%	$438K-3.5%	$454K-17.7%	$551K+44.9%	$380K-12.4%	$434K
Operating Income	$1.3M+13.6%	$1.1M-6.6%	$1.2M-15.0%	$1.4M+3.0%	$1.4M+5.1%	$1.3M-6.7%	$1.4M-0.7%	$1.4M
Interest Expense	$345K+4.6%	$330K-17.6%	$400K-17.4%	$484K+12.8%	$429K-11.3%	$484K-6.1%	$515K-11.4%	$581K
Income Tax	N/A	N/A	N/A	$1K	N/A	N/A	N/A	$650
Net Income	$1.3M+13.5%	$1.1M-6.6%	$1.2M-14.9%	$1.4M+2.9%	$1.4M+5.1%	$1.3M-6.6%	$1.4M-0.7%	$1.4M
EPS (Diluted)	$0.11	N/A	$0.11-8.3%	$0.120.0%	$0.12	N/A	$0.120.0%	$0.12

LOAN Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$62.4M-7.4%	$67.4M-11.9%	$76.4M+0.2%	$76.3M+13.5%	$67.2M+12.3%	$59.8M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$205K+15.1%	$178K+70.8%	$104K+0.7%	$104K-27.4%	$143K+8.3%	$132K
Inventory	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
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$19.3M-20.1%	$24.1M-28.1%	$33.5M+0.3%	$33.4M+40.3%	$23.8M-14.6%	$27.9M
Current Liabilities	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
Total Equity	$43.1M-0.4%	$43.3M+0.8%	$42.9M+0.2%	$42.9M-1.2%	$43.4M+35.7%	$32.0M
Retained Earnings	-$1.4M-12.1%	-$1.2M+21.0%	-$1.6M+16.9%	-$1.9M-39.7%	-$1.3M-234.1%	-$404K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$64.3M+3.1%	$62.4M+3.9%	$60.0M-11.3%	$67.6M+2.7%	$65.8M-2.3%	$67.4M-4.7%	$70.7M+2.8%	$68.8M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$184K-10.2%	$205K+9.9%	$186K-10.7%	$209K+3.7%	$201K+13.1%	$178K+6.0%	$168K+58.5%	$106K
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	$21.1M+9.9%	$19.3M+15.5%	$16.7M-31.0%	$24.2M+7.6%	$22.5M-6.8%	$24.1M-12.2%	$27.4M+7.1%	$25.6M
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	$43.1M0.0%	$43.1M-0.5%	$43.3M-0.3%	$43.4M+0.2%	$43.3M+0.1%	$43.3M0.0%	$43.3M+0.2%	$43.2M
Retained Earnings	-$1.4M+1.2%	-$1.4M-16.1%	-$1.2M-10.5%	-$1.1M+8.3%	-$1.2M+4.7%	-$1.2M-0.7%	-$1.2M+6.4%	-$1.3M

LOAN Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$4.9M-0.1%	$4.9M-8.6%	$5.4M+4.4%	$5.2M+12.3%	$4.6M+9.0%	$4.2M
Capital Expenditures	$418-89.6%	$4K-21.0%	$5K+77.1%	$3K	N/A	$9K
Free Cash Flow	$4.9M0.0%	$4.9M-8.6%	$5.4M+4.4%	$5.2M	N/A	$4.2M
Investing Cash Flow	$5.3M-29.6%	$7.5M+359.3%	$1.6M+118.7%	-$8.8M-15.1%	-$7.6M-65.3%	-$4.6M
Financing Cash Flow	-$10.2M+26.9%	-$14.0M-156.3%	-$5.4M-252.9%	$3.6M+32.0%	$2.7M+272.0%	$726K
Dividends Paid	$5.3M+0.5%	$5.2M-1.4%	$5.3M-7.6%	$5.7M+15.2%	$5.0M+20.4%	$4.1M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$1.3M+12.1%	$1.1M-19.7%	$1.4M+14.1%	$1.2M+3.8%	$1.2M-7.1%	$1.3M+2.8%	$1.2M-3.8%	$1.3M
Capital Expenditures	N/A	$0	$0	N/A	N/A	$0-100.0%	$3K	N/A
Free Cash Flow	N/A	$1.1M-19.7%	$1.4M	N/A	N/A	$1.3M+3.1%	$1.2M	N/A
Investing Cash Flow	-$1.9M+15.7%	-$2.2M-129.9%	$7.4M+555.1%	-$1.6M-192.2%	$1.8M-37.7%	$2.8M+267.6%	-$1.7M-128.8%	$5.8M
Financing Cash Flow	$577K-47.9%	$1.1M+112.6%	-$8.8M-2400.6%	$382K+113.1%	-$2.9M+28.1%	-$4.1M-896.7%	$509K+106.9%	-$7.4M
Dividends Paid	$1.3M-0.1%	$1.3M0.0%	$1.3M0.0%	$1.3M0.0%	$1.3M0.0%	$1.3M0.0%	$1.3M0.0%	$1.3M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

LOAN Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	58.8%+1.2pp	57.5%+2.0pp	55.6%-5.0pp	60.6%-4.1pp	64.7%+4.6pp	60.1%
Net Margin	59.0%+1.3pp	57.7%+1.8pp	55.9%-4.9pp	60.8%-4.2pp	65.0%+4.6pp	60.4%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.45-0.1	0.56-0.2	0.780.0	0.78+0.2	0.55-0.3	0.87
FCF Margin	56.9%+6.0pp	50.9%-4.2pp	55.0%-5.2pp	60.3%	N/A	60.1%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	61.4%+5.5pp	55.9%-3.0pp	58.8%-1.0pp	59.9%-0.3pp	60.2%+5.0pp	55.2%-5.1pp	60.3%+2.8pp	57.5%
Net Margin	61.6%+5.5pp	56.1%-3.0pp	59.1%-0.9pp	60.0%-0.4pp	60.4%+5.0pp	55.4%-5.1pp	60.5%+2.8pp	57.7%
Return on Equity	3.0%+0.4pp	2.6%-0.2pp	2.8%-0.5pp	3.3%+0.1pp	3.2%+0.1pp	3.0%-0.2pp	3.2%-0.0pp	3.3%
Return on Assets	2.0%+0.2pp	1.8%-0.2pp	2.0%-0.1pp	2.1%0.0pp	2.1%+0.1pp	1.9%-0.0pp	2.0%-0.1pp	2.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.49+0.0	0.45+0.1	0.38-0.2	0.56+0.0	0.52-0.0	0.56-0.1	0.63+0.0	0.59
FCF Margin	N/A	56.1%-12.6pp	68.7%	N/A	N/A	53.9%+0.6pp	53.3%	N/A

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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. This represents a 0.0% 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 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 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 3.1x, 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 50 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.