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

Manhattan Bridge Capital, Inc (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 Capital, Inc (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 $38.7M as of Oct 21, 2026

Price / Sales 4.7x on $8.2M revenue, trailing 12 months to September 30, 2026

Price / Earnings 8.1x on $4.8M net income, trailing 12 months to September 30, 2026

Price / Book 0.9x on $42.8M equity, Q3 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 Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2026, ended Sep 30, 2026 Reported Oct 21, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q3 FY2026, filed Oct 21, 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 Capital, Inc (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 2026-10-22

The business is shrinking its balance sheet while preserving cash conversion, revealing a smaller, less leveraged operation rather than expansion.

In FY2025, operating cash flow of $4.93M nearly matched net income of $5.11M, while cash conversion improved from FY2024; earnings were therefore largely realized in cash. At the same time, total assets fell 7.4% and total liabilities fell 20.1%, while equity was nearly unchanged, pointing to deleveraging rather than capital-base erosion.

Liabilities-to-equity was 0.4x in FY2025 versus 0.6x in FY2024, a materially less liability-funded balance sheet. Because the asset base also contracted, this improvement came partly from balance-sheet shrinkage, not merely from accumulating new equity.

Revenue declined 10.6% in FY2025, yet operating margin expanded 1.2 percentage points, so lower activity did not translate one-for-one into operating earnings. That pattern is consistent with margin resilience, although the reported figures do not identify whether mix or cost structure drove it.

Financial Health Signals

Financial Health Score (5 of 6 dimensions) 63/100

Scored as: REITs peer group

Scored against REITs for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. 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 Capital, Inc'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 Capital, Inc 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 Capital, Inc scores 31/100 on it among other REITs.

Leverage

n/a

Not available for Manhattan Bridge Capital, Inc, so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.

Interest Cov.

Manhattan Bridge Capital, Inc'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 Capital, Inc 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 Capital, Inc 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 Capital, Inc scores 27/100 on it among other REITs.

Piotroski F-Score Partial

3/6

Manhattan Bridge Capital, Inc 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, the one computable operating efficiency signal (asset turnover improving) does not pass.

Earnings Quality Mixed

0.96x

For every $1 of reported earnings, Manhattan Bridge Capital, Inc 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 Capital, Inc 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

$2.1M

YoY+0.9%

QoQ+0.4%

5Y CAGR+4.8%

10Y CAGR+5.8%

Manhattan Bridge Capital, Inc generated $2.1M in revenue in Q3 2026. This represents an increase of 0.9% from the same quarter a year earlier. Against the prior quarter it is up 0.4%.

EBITDA

$1.2M

YoY+3.0%

QoQ+7.4%

5Y CAGR+2.2%

Manhattan Bridge Capital, Inc's EBITDA was $1.2M in Q3 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 3.0% from the same quarter a year earlier. Against the prior quarter it is up 7.4%.

Net Income

$1.2M

YoY+3.0%

QoQ+7.4%

5Y CAGR+2.2%

10Y CAGR+5.5%

Manhattan Bridge Capital, Inc reported $1.2M in net income in Q3 2026. This represents an increase of 3.0% from the same quarter a year earlier. Against the prior quarter it is up 7.4%.

EPS (Diluted)

$0.11

YoY0.0%

QoQ+10.0%

5Y CAGR+1.9%

10Y CAGR+1.0%

Manhattan Bridge Capital, Inc earned $0.11 per diluted share (EPS) in Q3 2026. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 10.0%.

Cash & Balance Sheet

Cash & Debt

$168K

YoY-9.8%

QoQ-26.8%

5Y CAGR+8.9%

10Y CAGR+0.6%

Manhattan Bridge Capital, Inc held $168K in cash as of Q3 2026; no long-term debt figure is on record for that period.

Shares Outstanding

11M

YoY-0.8%

QoQ-0.7%

5Y CAGR-0.3%

10Y CAGR+3.4%

Manhattan Bridge Capital, Inc had 11M shares outstanding in Q3 2026. This represents a decrease of 0.8% from the same quarter a year earlier. Against the prior quarter it is down 0.7%.

Free Cash Flow

Not reported for Q3 2026.

Dividends Per Share

Not reported for Q3 2026.

Margins & Returns

Operating Margin

60.1%

YoY+1.3pp

QoQ+3.9pp

5Y change-7.8pp

Manhattan Bridge Capital, Inc's operating margin was 60.1% in Q3 2026, reflecting core business profitability. This is up 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.9 percentage points.

Net Margin

60.3%

YoY+1.3pp

QoQ+3.9pp

5Y change-7.9pp

10Y change-1.7pp

Manhattan Bridge Capital, Inc's net profit margin was 60.3% in Q3 2026, showing the share of revenue converted to profit. This is up 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.9 percentage points.

Return on Equity

2.9%

YoY+0.1pp

QoQ+0.2pp

5Y change+0.4pp

10Y change-0.2pp

Manhattan Bridge Capital, Inc's quarterly ROE was 2.9% in Q3 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q3 2026.

Capital Allocation

None of these metrics is reported for Q3 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	$1.9M	$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	$4.8M	$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	$1.4M	$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	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Revenue	$2.1M+0.9%	$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%
SG&A Expenses	$447K+8.2%	$495K+13.1%	$431K-5.1%	$509K-7.7%	$414K+8.7%	$438K+0.8%	$454K+10.6%	$551K0.0%
Operating Income	$1.2M+3.0%	$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%
EBITDA	$1.2M+3.0%	$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%
Interest Expense	$351K-12.3%	$380K-21.6%	$345K-19.7%	$330K-31.9%	$400K-22.4%	$484K-16.7%	$429K-35.8%	$484K
Income Tax	N/A	$1K+7.4%	N/A	N/A	N/A	$1K+86.2%	N/A	N/A
Net Income	$1.2M+3.0%	$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%
EPS (Basic)	$0.110.0%	$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%
EPS (Diluted)	$0.110.0%	$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%
Diluted Shares (Avg)	11M-0.2%	11M-0.1%	11M-0.1%	N/A	11M0.0%	11M0.0%	11M0.0%	N/A

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	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0
Long-Term Investments	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$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	$5.3Mn/m	$0n/m	$0n/m	$0n/m	$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	-$1.4Mn/m	-$1.2Mn/m	-$1.6Mn/m	-$1.9Mn/m	-$1.3Mn/m	-$404Kn/m	-$591Kn/m	-$449Kn/m	-$388Kn/m	-$459Kn/m	-$396K-449.1%	$113Kn/m	-$488Kn/m	-$943Kn/m	-$1.3M

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Total Assets	$61.5M+2.5%	$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%
Cash & Equivalents	$168K-9.8%	$230K+10.0%	$184K-8.6%	$205K+15.1%	$186K+11.1%	$209K+97.1%	$201K+131.2%	$178K+70.8%
Short-Term Investments	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m
Long-Term Investments	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m
Total Liabilities	$18.7M+12.1%	$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%
Total Equity	$42.8M-1.2%	$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%
Retained Earnings	-$1.5Mn/m	-$1.5Mn/m	-$1.4Mn/m	-$1.4Mn/m	-$1.2Mn/m	-$1.1Mn/m	-$1.2Mn/m	-$1.2Mn/m

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	$5.1M	$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%	$6Kn/m	$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%	$19Kn/m	$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	-$1.6M	$5.3M-29.6%	$7.5M+359.3%	$1.6Mn/m	-$8.8Mn/m	-$7.6Mn/m	-$4.6M-437.2%	$1.4Mn/m	-$9.7Mn/m	-$10.4Mn/m	-$3.9Mn/m	-$6.9M	N/A	N/A	-$4.2Mn/m	-$1.4M
Financing Cash Flow	-$3.6M	-$10.2Mn/m	-$14.0Mn/m	-$5.4M-252.9%	$3.6M+32.0%	$2.7M+272.0%	$726Kn/m	-$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	$5.1M	$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%	$128Kn/m	$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%	$29Kn/m	$0

Metric	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Operating Cash Flow	$1.3M-4.6%	$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%
Depreciation & Amortization	$355-70.8%	$356-74.6%	$570-59.0%	$976-29.8%	$1K-4.2%	$1K+21.3%	$1K+31.8%	$1K+31.6%
Stock-Based Compensation	$2K-33.3%	$3K0.0%	$3K0.0%	N/A	$3K0.0%	$3K0.0%	$3K0.0%	N/A
Capital Expenditures	N/A	N/A	N/A	$0n/m	$0-100.0%	N/A	N/A	$0n/m
Free Cash Flow	N/A	N/A	N/A	$1.1M-11.6%	$1.4M+13.5%	N/A	N/A	$1.3M+1.0%
Investing Cash Flow	$2.3M-68.7%	$154Kn/m	-$1.9M-205.7%	-$2.2M-178.1%	$7.4Mn/m	-$1.6M-127.7%	$1.8M+211.4%	$2.8Mn/m
Financing Cash Flow	-$3.7Mn/m	-$1.5M-502.1%	$577Kn/m	$1.1Mn/m	-$8.8M-1825.7%	$382Kn/m	-$2.9Mn/m	-$4.1M-272.3%
Dividends Paid	$1.3M-4.5%	$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%

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
Liabilities-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	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K
Operating Margin	60.1%+1.3pp	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
Net Margin	60.3%+1.3pp	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
Return on Equity	2.9%+0.1pp	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
Return on Assets	2.0%0.0pp	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
Liabilities-to-Equity	0.44+0.1x	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
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x
FCF Margin	N/A	N/A	N/A	56.1%+2.2pp	68.7%+15.4pp	N/A	N/A	53.9%+4.8pp

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

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 Capital, Inc LOAN	FY2025	$8.7M	$5.1M	59.0%	$38.7M	63/100
Sachem Capital Corp. SACH	FY2025	$21.5M	$6.3M	29.3%	$39.8M	20/100
Advanced Flower Capital Inc. AFCG	FY2025	$24.6M	-$20.7M	-84.2%	$67.4M	27/100
CHERRY HILL MORTGAGE INVESTMENT CORPORATION CHMI	FY2025	$23.3M	$6.9M	29.8%	$93.7M	—
Granite Point Mortgage Trust Inc. GPMT	FY2025	$131.7M	-$41.2M	-31.2%	$22.8M	7/100
Lument Finance Trust, Inc. LFT	FY2025	N/A	-$2.7M	N/A	$22.2M	—

Where Manhattan Bridge Capital, Inc Ranks

Frequently Asked Questions

What is Manhattan Bridge Capital, Inc's annual revenue?

Manhattan Bridge Capital, Inc (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 Capital, Inc's revenue growing?

Manhattan Bridge Capital, Inc (LOAN) revenue declined by 10.6% year-over-year, from $9.7M to $8.7M in fiscal year 2025.

Is Manhattan Bridge Capital, Inc profitable?

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

What is Manhattan Bridge Capital, Inc's EBITDA?

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

What is Manhattan Bridge Capital, Inc's operating margin?

Manhattan Bridge Capital, Inc (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 Capital, Inc's net profit margin?

Manhattan Bridge Capital, Inc (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 Capital, Inc's return on equity (ROE)?

Manhattan Bridge Capital, Inc (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 Capital, Inc's free cash flow?

Manhattan Bridge Capital, Inc (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 Capital, Inc's operating cash flow?

Manhattan Bridge Capital, Inc (LOAN) generated $4.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Manhattan Bridge Capital, Inc's total assets?

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

What are Manhattan Bridge Capital, Inc's capital expenditures?

Manhattan Bridge Capital, Inc (LOAN) invested $418 in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Manhattan Bridge Capital, Inc have outstanding?

Manhattan Bridge Capital, Inc (LOAN) had 11M shares outstanding as of fiscal year 2025.

What is Manhattan Bridge Capital, Inc's liabilities-to-equity ratio?

Manhattan Bridge Capital, Inc (LOAN) had a liabilities-to-equity ratio of 0.45 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

What is Manhattan Bridge Capital, Inc's return on assets (ROA)?

Manhattan Bridge Capital, Inc (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 Capital, Inc's P/E ratio?

Manhattan Bridge Capital, Inc (LOAN) trades at 8.1x earnings, its market capitalization divided by $4.8M net income, trailing 12 months to September 30, 2026. The market capitalization is $38.7M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Manhattan Bridge Capital, Inc (LOAN) trades at 4.7x sales, its market capitalization divided by $8.2M revenue, trailing 12 months to September 30, 2026. The market capitalization is $38.7M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Manhattan Bridge Capital, Inc's Piotroski F-Score?

Manhattan Bridge Capital, Inc (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 Capital, Inc's earnings high quality?

Manhattan Bridge Capital, Inc (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 Capital, Inc cover its interest payments?

Manhattan Bridge Capital, Inc (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 Capital, Inc?

Manhattan Bridge Capital, Inc (LOAN) scores 63 out of 100 on our Financial Health Score, indicating moderate standing within its REITs peer group. The score is the average 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. For Manhattan Bridge Capital, Inc it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. 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.