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) Updated Mar 27, 2026 Currency USD FYE March

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).

Financial Health Signals

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

N/A

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

N/A

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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$2.0M-13.6%	$2.4M+3.6%	$2.3M-3.6%	$2.4M+2.0%	$2.3M-5.3%	$2.4M-5.0%	$2.6M+0.3%	$2.6M
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+44.9%	$380K-12.4%	$434K+5.9%	$410K-25.5%	$551K
Operating Income	$1.2M-15.0%	$1.4M+3.0%	$1.4M+5.1%	$1.3M-6.7%	$1.4M-0.7%	$1.4M-4.5%	$1.5M+9.5%	$1.3M
Interest Expense	$400K-17.4%	$484K+12.8%	$429K-11.3%	$484K-6.1%	$515K-11.4%	$581K-13.1%	$669K	N/A
Income Tax	N/A	$1K	N/A	N/A	N/A	$650	N/A	N/A
Net Income	$1.2M-14.9%	$1.4M+2.9%	$1.4M+5.1%	$1.3M-6.6%	$1.4M-0.7%	$1.4M-4.5%	$1.5M+9.5%	$1.3M
EPS (Diluted)	$0.11-8.3%	$0.120.0%	$0.12	N/A	$0.120.0%	$0.12-7.7%	$0.13	N/A

LOAN Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	N/A	$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	N/A	$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	N/A	$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	N/A	$43.3M+0.8%	$42.9M+0.2%	$42.9M-1.2%	$43.4M+35.7%	$32.0M
Retained Earnings	N/A	-$1.2M+21.0%	-$1.6M+16.9%	-$1.9M-39.7%	-$1.3M-234.1%	-$404K

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$60.0M-11.3%	$67.6M+2.7%	$65.8M-2.3%	$67.4M-4.7%	$70.7M+2.8%	$68.8M-8.1%	$74.8M-2.1%	$76.4M
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+6.0%	$168K+58.5%	$106K+21.6%	$87K-16.4%	$104K
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-12.2%	$27.4M+7.1%	$25.6M-19.3%	$31.7M-5.3%	$33.5M
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%	$43.3M0.0%	$43.3M+0.2%	$43.2M+0.2%	$43.1M+0.4%	$42.9M
Retained Earnings	-$1.2M-10.5%	-$1.1M+8.3%	-$1.2M+4.7%	-$1.2M-0.7%	-$1.2M+6.4%	-$1.3M+6.7%	-$1.4M+10.3%	-$1.6M

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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$1.4M+14.1%	$1.2M+3.8%	$1.2M-7.1%	$1.3M+2.8%	$1.2M-3.8%	$1.3M+12.6%	$1.1M-9.3%	$1.3M
Capital Expenditures	$0	N/A	N/A	$0-100.0%	$3K	N/A	N/A	$0
Free Cash Flow	$1.4M	N/A	N/A	$1.3M+3.1%	$1.2M	N/A	N/A	$1.3M
Investing Cash Flow	$7.4M+555.1%	-$1.6M-192.2%	$1.8M-37.7%	$2.8M+267.6%	-$1.7M-128.8%	$5.8M+935.5%	$565K+127.5%	-$2.1M
Financing Cash Flow	-$8.8M-2400.6%	$382K+113.1%	-$2.9M+28.1%	-$4.1M-896.7%	$509K+106.9%	-$7.4M-147.5%	-$3.0M-227.4%	$2.4M
Dividends Paid	$1.3M0.0%	$1.3M0.0%	$1.3M0.0%	$1.3M0.0%	$1.3M0.0%	$1.3M+2.2%	$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	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	N/A	12.9%+0.2pp	12.8%+0.6pp	12.2%+2.0pp	10.2%-3.0pp	13.2%
Return on Assets	N/A	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	N/A	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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
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%-5.1pp	60.3%+2.8pp	57.5%+0.3pp	57.2%+4.8pp	52.4%
Net Margin	59.1%-0.9pp	60.0%-0.4pp	60.4%+5.0pp	55.4%-5.1pp	60.5%+2.8pp	57.7%+0.3pp	57.4%+4.8pp	52.6%
Return on Equity	2.8%-0.5pp	3.3%+0.1pp	3.2%+0.1pp	3.0%-0.2pp	3.2%-0.0pp	3.3%-0.2pp	3.4%+0.3pp	3.1%
Return on Assets	2.0%-0.1pp	2.1%0.0pp	2.1%+0.1pp	1.9%-0.0pp	2.0%-0.1pp	2.1%+0.1pp	2.0%+0.2pp	1.8%
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	0.56-0.1	0.63+0.0	0.59-0.1	0.74-0.0	0.78
FCF Margin	68.7%	N/A	N/A	53.9%+0.6pp	53.3%	N/A	N/A	49.0%

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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 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 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.

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.