What is Merchants Banc's earnings per share (EPS)?

Merchants Banc (MBINM) reported diluted earnings per share of $3.78 for fiscal year 2025. This represents a -40.0% 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.

Merchants Banc (MBINM) Financials

MBINM

Trailing 12 months to June 30, 2026

Revenue $1.2B -6.2% YoY

Net Income $268.6M +6.1% YoY

EPS (Diluted) $4.98 +9.5% YoY

Free Cash Flow -$765.3M -53.7% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MBINM SEC filings page.

Merchants Banc (MBINM) reported $1.2B in revenue over the twelve months to Jun 30, 2026, down 6.2% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 11 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 MBINM FY2025 2026-08-29

The business is balance-sheet financed: positive reported earnings coexist with heavy liabilities and recurring cash outflows.

Across FY2023-FY2025, net income remained positive while operating cash flow remained negative, indicating that accounting profitability was not converting into cash. In FY2025, -$362M of free cash flow nearly matched operating cash flow despite only $21M of capital expenditures, implying the cash use was driven mainly by operating or financial-account movements rather than physical reinvestment.

The reported debt-to-equity ratio was 7.5x in FY2025, while interest expense reached $684M; the financing structure therefore remains a central determinant of earnings. Revenue fell from $1.3B in FY2024 to $1.2B in FY2025, while net margin compressed from 24.6% to 18.2%, showing pressure from both scale and profitability.

Balance-sheet expansion did not improve earnings efficiency: total assets increased across FY2023-FY2025, yet return on assets fell to 1.1% in FY2025. Financing inflows remained positive in FY2025 even as operating cash flow was negative, suggesting external funding helped support the balance sheet while internally generated cash was insufficient to fund it.

Financial Health Signals

Financial health score not available

Merchants Banc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

1/6

Merchants Banc passes 1 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 1 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality No Cash Backing

$1.56used

For every $1 of reported earnings, Merchants Banc used $1.56 of operating cash (-$341.2M OCF vs $218.8M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.

Key Financial Metrics

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Earnings & Revenue

Revenue

$294.1M

YoY-3.4%

QoQ+8.7%

5Y CAGR+32.3%

10Y CAGR+33.0%

Merchants Banc generated $294.1M in revenue in Q2 2026. This represents a decrease of 3.4% from the same quarter a year earlier. Against the prior quarter it is up 8.7%.

Net Income

$78.3M

YoY+106.2%

QoQ+15.6%

5Y CAGR+8.8%

10Y CAGR+26.2%

Merchants Banc reported $78.3M in net income in Q2 2026. This represents an increase of 106.2% from the same quarter a year earlier. Against the prior quarter it is up 15.6%.

EPS (Diluted)

$1.48

YoY+146.7%

QoQ+18.4%

5Y CAGR+6.9%

10Y CAGR+15.2%

Merchants Banc earned $1.48 per diluted share (EPS) in Q2 2026. This represents an increase of 146.7% from the same quarter a year earlier. Against the prior quarter it is up 18.4%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$210.9M

YoY+267.8%

QoQ+135.2%

Merchants Banc generated $210.9M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 267.8% from the same quarter a year earlier. Against the prior quarter it is up 135.2%.

Cash & Debt

$314.7M

YoY-51.4%

QoQ+278.2%

5Y CAGR-4.8%

Merchants Banc held $314.7M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.44

YoY+10.0%

QoQ0.0%

5Y CAGR+12.9%

Merchants Banc paid $0.44 per share in dividends in Q2 2026. This represents an increase of 10.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

46M

YoY+0.1%

QoQ0.0%

5Y CAGR+9.8%

Merchants Banc had 46M shares outstanding in Q2 2026. This represents an increase of 0.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

26.6%

YoY+14.1pp

QoQ+1.6pp

5Y CAGR-44.4pp

10Y CAGR-18.4pp

Merchants Banc's net profit margin was 26.6% in Q2 2026, showing the share of revenue converted to profit. This is up 14.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.6 percentage points.

Return on Equity

3.3%

YoY+1.5pp

QoQ+0.4pp

5Y CAGR-1.6pp

Merchants Banc's ROE was 3.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

QoQ-100.0%

Merchants Banc repurchased no shares in Q2 2026. Against the prior quarter it is down 100.0%.

Capital Expenditures

$2.4M

YoY-45.8%

QoQ+112.9%

5Y CAGR+29.0%

Merchants Banc invested $2.4M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 45.8% from the same quarter a year earlier. Against the prior quarter it is up 112.9%.

R&D Spending

Not reported for Q2 2026.

MBINM 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.

MBINM 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
Revenue	$1.2B	$1.2B-7.8%	$1.3B+20.9%	$1.1B+124.2%	$480.8M+54.2%	$311.9M+10.3%	$282.8M+33.4%	$212.0M+50.8%	$140.6M+48.9%	$94.4M+29.4%	$72.9M+29.5%	$56.3M
SG&A Expenses	$164.4M	$166.5M+27.4%	$130.7M+20.8%	$108.2M+21.4%	$89.1M+3.9%	$85.7M+44.8%	$59.2M+55.4%	$38.1M+18.2%	$32.2M+50.1%	$21.5M+50.0%	$14.3M+19.7%	$12.0M
Interest Expense	$642.5M	$683.8M-12.3%	$780.1M+23.9%	$629.7M+288.0%	$162.3M+378.8%	$33.9M-42.2%	$58.6M-34.6%	$89.7M+77.3%	$50.6M+82.1%	$27.8M+46.5%	$19.0M+32.7%	$14.3M
Income Tax	$54.0M	$45.0M-56.0%	$102.3M+48.9%	$68.7M-3.8%	$71.4M-8.2%	$77.8M+23.9%	$62.8M+153.3%	$24.8M+17.3%	$21.2M-5.9%	$22.5M+3.7%	$21.7M+15.3%	$18.8M
Net Income	$268.6M	$218.8M-31.7%	$320.4M+14.7%	$279.2M+27.1%	$219.7M-3.3%	$227.1M+25.8%	$180.5M+133.5%	$77.3M+23.0%	$62.9M+15.0%	$54.7M+65.1%	$33.1M+16.7%	$28.4M
EPS (Basic)	N/A	$3.78-40.2%	$6.32+11.7%	$5.66+26.1%	$4.49-6.1%	$4.78+24.2%	$3.85+143.7%	$1.58-24.0%	$2.08-8.8%	$2.28+55.1%	$1.47+8.9%	$1.35
EPS (Diluted)	$4.98	$3.78-40.0%	$6.30+11.7%	$5.64+26.2%	$4.47-6.1%	$4.76+23.6%	$3.85+143.7%	$1.58	$2.07-9.2%	$2.28+55.1%	$1.47+8.9%	$1.35
Diluted Shares (Avg)	N/A	46M+2.1%	45M+3.8%	43M+0.1%	43M0.0%	43M+0.4%	43M+0.1%	43M	29M+27.3%	23M+6.9%	21M+0.2%	21M

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	$294.1M-3.4%	$270.5M-5.8%	$307.5M-4.3%	$301.8M-11.0%	$304.4M-7.3%	$287.2M-8.6%	$321.3M+3.1%	$338.9M+14.2%
SG&A Expenses	$39.3M-9.7%	$38.6M+5.9%	$42.4M+12.9%	$44.2M+25.4%	$43.6M+53.5%	$36.4M+23.1%	$37.5M-28.6%	$35.2M+30.2%
Interest Expense	$157.5M-10.3%	$141.9M-14.0%	$169.4M-9.3%	$173.7M-15.7%	$175.7M-12.2%	$165.0M-11.8%	$186.7M-0.4%	$206.1M+15.0%
Income Tax	$21.5M+97.9%	$16.6M-9.2%	$6.0M-81.3%	$9.9M-50.8%	$10.9M-52.3%	$18.3M-33.0%	$32.2M+46.6%	$20.1M-19.9%
Net Income	$78.3M+106.2%	$67.7M+16.3%	$67.8M-29.1%	$54.7M-10.7%	$38.0M-50.3%	$58.2M-33.1%	$95.7M+23.5%	$61.3M-24.8%
EPS (Basic)	$1.48+146.7%	$1.25+34.4%	$1.28-31.2%	$0.97-17.1%	$0.60-60.0%	$0.93-48.6%	$1.86+17.0%	$1.17-30.4%
EPS (Diluted)	$1.48+146.7%	$1.25+34.4%	$1.28-30.8%	$0.97-17.1%	$0.60-59.7%	$0.93-48.3%	$1.85+17.1%	$1.17-30.4%
Diluted Shares (Avg)	46M+0.2%	46M+0.2%	N/A	46M+0.1%	46M+2.8%	46M+5.6%	N/A	46M+5.9%

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

MBINM Balance Sheet

MBINM 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
Total Assets	$19.4B+3.4%	$18.8B+10.9%	$17.0B+34.4%	$12.6B+11.9%	$11.3B+16.9%	$9.6B+51.4%	$6.4B+64.0%	$3.9B+14.5%	$3.4B+24.8%	$2.7B+19.8%	$2.3B
Cash & Equivalents	$212.2M-55.5%	$476.6M-18.4%	$584.4M+158.4%	$226.2M-78.1%	$1.0B+474.5%	$179.7M-64.5%	$506.7M+50.6%	$336.5M-6.4%	$359.5M-19.3%	$445.7M-0.2%	$446.8M
Short-Term Investments	$571.3M-10.2%	$635.9M-12.0%	$722.5M	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$8.0M0.0%	$8.0M-49.4%	$15.8M0.0%	$15.8M0.0%	$15.8M0.0%	$15.8M0.0%	$15.8M-9.3%	$17.5M+347.9%	$3.9M+646.1%	$523K0.0%	$523K
Total Liabilities	$17.2B+3.7%	$16.6B+8.6%	$15.3B+36.7%	$11.2B+10.2%	$10.1B+14.6%	$8.8B+54.5%	$5.7B+65.1%	$3.5B+14.5%	$3.0B+20.4%	$2.5B+18.4%	$2.1B
Long-Term Debt	N/A	N/A	N/A	N/A	$1.0B-23.3%	$1.3B+643.1%	$181.4M-7.2%	$195.5M+245.3%	$56.6M-0.7%	$57.0M	N/A
Total Equity	$2.3B+1.7%	$2.2B+31.9%	$1.7B+16.5%	$1.5B+26.3%	$1.2B+42.5%	$810.6M+24.0%	$653.7M+55.2%	$421.2M+14.6%	$367.5M+78.1%	$206.3M+39.2%	$148.2M
Retained Earnings	$1.5B+11.7%	$1.3B+25.1%	$1.1B+27.7%	$832.9M+26.7%	$657.1M+42.3%	$461.7M+51.4%	$305.0M+24.5%	$244.9M+27.6%	$192.0M+32.2%	$145.3M	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
Total Assets	$21.2B+10.9%	$20.3B+8.1%	$19.4B+3.4%	$19.4B+3.8%	$19.1B+5.1%	$18.8B+5.5%	$18.8B+10.9%	$18.7B+13.1%
Cash & Equivalents	$314.7M-51.4%	$83.2M-84.0%	$212.2M-55.5%	$598.0M-0.6%	$647.2M+19.6%	$521.3M+2.5%	$476.6M-18.4%	$601.9M+47.8%
Short-Term Investments	$527.7M-12.5%	$550.2M-12.1%	$571.3M-10.2%	$591.4M-13.4%	$603.0M-11.7%	$626.3M-10.6%	$635.9M-12.0%	$683.0M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$8.0M0.0%	$8.0M0.0%	$8.0M0.0%	$8.0M0.0%	$8.0M0.0%	$8.0M0.0%	$8.0M-49.4%	$8.0M-49.4%
Total Liabilities	$18.8B+11.1%	$18.0B+8.1%	$17.2B+3.7%	$17.1B+2.5%	$17.0B+3.9%	$16.6B+3.7%	$16.6B+8.6%	$16.7B+12.5%
Total Equity	$2.4B+9.6%	$2.3B+7.8%	$2.3B+1.7%	$2.2B+14.8%	$2.2B+15.7%	$2.2B+21.6%	$2.2B+31.9%	$1.9B+18.8%
Retained Earnings	$1.6B+14.9%	$1.5B+12.2%	$1.5B+11.7%	$1.4B+14.5%	$1.4B+15.9%	$1.4B+20.3%	$1.3B+25.1%	$1.3B+25.2%

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

MBINM Cash Flow Statement

MBINM 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
Operating Cash Flow	-$752.1M	-$341.2M+59.1%	-$835.3M-134.4%	-$356.4M-136.5%	$975.8M+2082.6%	-$49.2M+94.4%	-$874.9M+30.4%	-$1.3B-715.2%	$204.3M+216.2%	-$175.9M-17.4%	-$149.8M-226.6%	$118.3M
Depreciation & Amortization	N/A	$3.5M+15.0%	$3.0M+5.7%	$2.9M+14.8%	$2.5M+3.2%	$2.4M+14.0%	$2.1M+97.6%	$1.1M+57.6%	$679K+79.6%	$378K+36.0%	$278K-7.6%	$301K
Capital Expenditures	$13.2M	$20.9M+13.9%	$18.4M+144.3%	$7.5M+11.3%	$6.8M+85.5%	$3.6M+0.6%	$3.6M-74.1%	$14.0M+52.1%	$9.2M+1066.9%	$788K-34.6%	$1.2M+273.9%	$322K
Free Cash Flow	-$765.3M	-$362.2M+57.6%	-$853.7M-134.6%	-$363.9M-137.6%	$969.0M+1933.1%	-$52.9M+94.0%	-$878.5M+30.9%	-$1.3B-751.3%	$195.1M+210.5%	-$176.7M-17.0%	-$151.0M-227.9%	$118.0M
Investing Cash Flow	-$1.3B	-$195.7M+77.6%	-$874.3M+73.2%	-$3.3B-13.9%	-$2.9B-503.6%	-$474.3M+81.3%	-$2.5B-164.4%	-$957.7M-88.1%	-$509.1M+2.7%	-$523.1M-97.2%	-$265.3M+24.1%	-$349.3M
Financing Cash Flow	$1.7B	$272.5M-83.0%	$1.6B-59.7%	$4.0B+267.8%	$1.1B-21.5%	$1.4B-55.3%	$3.1B+29.2%	$2.4B+746.5%	$281.7M-54.0%	$612.8M+48.0%	$414.0M-7.6%	$448.2M
Dividends Paid	$60.3M	$59.4M+16.1%	$51.2M+5.5%	$48.5M+27.4%	$38.1M+21.9%	$31.2M+32.0%	$23.7M+37.2%	$17.3M+68.9%	$10.2M+28.5%	$8.0M+27.7%	$6.2M+47.4%	$4.2M
Share Buybacks	N/A	N/A	N/A	N/A	$3.9M	N/A	N/A	N/A	N/A	N/A	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 Cash Flow	$213.3M+276.1%	-$597.3M-503.5%	-$397.9M-3888.2%	$29.8M+106.0%	-$121.2M-337.0%	$148.0M+138.6%	-$10.0M-101.4%	-$492.6M+10.4%
Depreciation & Amortization	$1.4M+81.3%	$1.4M+77.9%	$1.2M+52.6%	$765K-2.3%	$770K+3.2%	$770K+6.2%	$760K+3.7%	$783K+6.7%
Capital Expenditures	$2.4M-45.8%	$1.1M-83.3%	$3.8M-39.4%	$5.8M+27.7%	$4.5M-14.9%	$6.9M+197.4%	$6.3M+54.2%	$4.5M+777.1%
Free Cash Flow	$210.9M+267.8%	-$598.5M-523.9%	-$401.7M-2371.7%	$24.0M+104.8%	-$125.7M-374.1%	$141.2M+136.6%	-$16.3M-102.2%	-$497.2M+9.6%
Investing Cash Flow	-$768.9M-2820.8%	-$335.3M-37027.0%	$12.7M+129.2%	-$181.1M-199.8%	-$26.3M+91.7%	-$903K+99.9%	-$43.5M+95.2%	$181.4M+2331.8%
Financing Cash Flow	$787.1M+188.0%	$803.6M+884.4%	-$620K+99.1%	$102.2M-72.5%	$273.3M-8.3%	-$102.4M-110.2%	-$71.8M-120.4%	$372.3M-34.9%
Dividends Paid	$15.3M+3.1%	$15.3M+3.1%	$14.9M+0.1%	$14.9M+25.1%	$14.9M+25.1%	$14.9M+18.2%	$14.8M+22.4%	$11.9M-2.1%
Share Buybacks	$0	$3.0M	N/A	N/A	N/A	N/A	N/A	N/A

Not reported in any period shown, so not listed: Stock-Based Compensation.

MBINM 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.

MBINM 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
Net Margin	18.2%-6.4pp	24.6%-1.3pp	25.9%-19.8pp	45.7%-27.1pp	72.8%+9.0pp	63.8%+27.4pp	36.5%-8.2pp	44.7%-13.2pp	57.9%+12.5pp	45.4%-5.0pp	50.4%
Return on Equity	9.6%-4.7pp	14.3%-2.1pp	16.4%+1.4pp	15.0%-4.6pp	19.7%-2.6pp	22.3%+10.4pp	11.8%-3.1pp	14.9%+0.1pp	14.9%-1.2pp	16.1%-3.1pp	19.1%
Return on Assets	1.1%-0.6pp	1.7%+0.1pp	1.7%-0.1pp	1.7%-0.3pp	2.0%+0.1pp	1.9%+0.7pp	1.2%-0.4pp	1.6%0.0pp	1.6%+0.4pp	1.2%0.0pp	1.3%
Debt-to-Equity	7.53+0.1x	7.38-1.6x	8.97+1.3x	7.64+6.7x	0.89-0.8x	1.66+1.4x	0.28-0.2x	0.46+0.3x	0.15-0.1x	0.28-14.0x	14.31
Asset Turnover	0.060.0x	0.070.0x	0.060.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.02
FCF Margin	-30.2%+35.4pp	-65.5%-31.8pp	-33.8%	201.5%	-17.0%	-310.7%	-599.5%	138.8%	-187.2%	-207.0%	209.4%

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
Net Margin	26.6%+14.1pp	25.0%+4.8pp	22.1%-7.7pp	18.1%+0.1pp	12.5%-10.8pp	20.3%-7.4pp	29.8%+4.9pp	18.1%-9.4pp
Return on Equity	3.3%+1.5pp	2.9%+0.2pp	3.0%-1.3pp	2.5%-0.7pp	1.7%-2.3pp	2.7%-2.2pp	4.3%-0.3pp	3.2%-1.8pp
Return on Assets	0.4%+0.2pp	0.3%0.0pp	0.4%-0.2pp	0.3%-0.1pp	0.2%-0.2pp	0.3%-0.2pp	0.5%+0.1pp	0.3%-0.2pp
Debt-to-Equity	7.87+0.1x	7.720.0x	7.53+0.1x	7.70-0.9x	7.76-0.9x	7.70-1.3x	7.38-1.6x	8.62-0.5x
Asset Turnover	0.010.0x	0.010.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x
FCF Margin	71.7%+113.0pp	-221.2%	-130.7%	8.0%	-41.3%-55.2pp	49.2%	-5.1%	-146.7%

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

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Where Merchants Banc Ranks

Frequently Asked Questions

What is Merchants Banc's annual revenue?

Merchants Banc (MBINM) reported $1.2B in total revenue for fiscal year 2025. This represents a -7.8% 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 Merchants Banc's revenue growing?

Merchants Banc (MBINM) revenue declined by 7.8% year-over-year, from $1.3B to $1.2B in fiscal year 2025.

Is Merchants Banc profitable?

Yes, Merchants Banc (MBINM) reported a net income of $218.8M in fiscal year 2025, with a net profit margin of 18.2%.

What is Merchants Banc's net profit margin?

Merchants Banc (MBINM) had a net profit margin of 18.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Merchants Banc pay dividends?

Yes, Merchants Banc (MBINM) paid $0.40 per share in dividends during fiscal year 2025.

What is Merchants Banc's return on equity (ROE)?

Merchants Banc (MBINM) has a return on equity of 9.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Merchants Banc's free cash flow?

Merchants Banc (MBINM) recorded an outflow of $362.2M in free cash flow during fiscal year 2025. This represents a 57.6% 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 Merchants Banc's operating cash flow?

Merchants Banc (MBINM) recorded an outflow of $341.2M in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are Merchants Banc's total assets?

Merchants Banc (MBINM) had $19.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Merchants Banc's capital expenditures?

Merchants Banc (MBINM) invested $20.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Merchants Banc have outstanding?

Merchants Banc (MBINM) had 46M shares outstanding as of fiscal year 2025.

What is Merchants Banc's debt-to-equity ratio?

Merchants Banc (MBINM) had a debt-to-equity ratio of 7.53 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Merchants Banc's return on assets (ROA)?

Merchants Banc (MBINM) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Merchants Banc's Piotroski F-Score?

Merchants Banc (MBINM) has a Piotroski F-Score of 1 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 Merchants Banc's earnings high quality?

For every $1 of reported earnings, Merchants Banc (MBINM) used $1.56 of operating cash (-$341.2M OCF vs $218.8M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. 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.