Merchants Bancorp (MBIN)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$53.43+3.09%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · MBIN
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-04.
The screen ranks MBIN against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
The acquisition is intended to enhance the Company’s single-family mortgage production platform, provide additional opportunities to generate gain on sale revenue and expand its footprint in the jumb…
Stated in 1 of 3 supplied quarters. Management reported: “The acquisition is intended to enhance the Company’s single-family mortgage production platform, provide additional opportunities to generate gain on sale revenue and expand its footprint in the jumbo lending market.” “Although the acquired operations may be dilutive during the initial ramp-up period, we remain focused on effective integration and believe the transaction will support earnings growth over time.””
“The acquisition is intended to enhance the Company’s single-family mortgage production platform, provide additional opportunities to generate gain on sale revenue and expand its footprint in the jumb…”
This liquidity position provides the Company with flexibility to manage funding costs, interest expense, and asset levels.
Stated in 3 of 3 supplied quarters. Management reported: “While this mix shift lowered the reported margin, the growth remained profitable and contributed to higher net interest income and overall earnings.” “· Capital ratios have remained elevated, with a total capital ratio of 12.8%, reflecting the Company’s continued emphasis on financial strength and balance sheet resilience.”
“This liquidity position provides the Company with flexibility to manage funding costs, interest expense, and asset levels.”
While we remain focused on the migration within criticized loan classifications, our strong capital and liquidity position provides the flexibility to support our clients and pursue disciplined growt…
Stated in 3 of 3 supplied quarters. Management reported: “These declines are consistent with the Company’s expectation that migration to criticized status would stabilize and eventually subside, supported by ongoing portfolio management efforts.” “This decline reinforces the view that the frequency of migration to criticized status would stabilize and eventually subside, driven by favorable market conditions and the Company’s efforts with proactive portfolio management.”
Continue increasing core deposits and their share of total deposits while reducing reliance on brokered deposits.
Pursue growth across the diversified business while increasing net income and earnings per share.
Over the trailing year it converted -0.33x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 60% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
4 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated stable grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-04.
“While this mix shift lowered the reported margin, the growth remained profitable and contributed to higher net interest income and overall earnings.”
“· Capital ratios have remained elevated, with a total capital ratio of 12.8%, reflecting the Company’s continued emphasis on financial strength and balance sheet resilience.”
“While we remain focused on the migration within criticized loan classifications, our strong capital and liquidity position provides the flexibility to support our clients and pursue disciplined growt…”
“These declines are consistent with the Company’s expectation that migration to criticized status would stabilize and eventually subside, supported by ongoing portfolio management efforts.”
“This decline reinforces the view that the frequency of migration to criticized status would stabilize and eventually subside, driven by favorable market conditions and the Company’s efforts with proa…”