Manhattan Bridge CAPITAL, Inc. (LOAN) intrinsic value & 10-year financials
Manhattan Bridge CAPITAL, Inc. (LOAN) has a Graham intrinsic value of $5.01 per share. At $3.51 on Oct 17, 2026, the stock trades 30% below that value. Over the last 10 fiscal years revenue grew 7.2% a year to $8.7M, with an average return on invested capital of 12.9%.
- Graham intrinsic value
- $5.01
- Share price (Oct 17, 2026)
- $3.51
- Price vs Graham value
- 30% below
- Market cap
- $40.1M
- Revenue (FY2025)
- $8.7M
- Revenue growth (10-yr CAGR)
- 7.2%
- ROIC (10-yr avg)
- 12.9%
- Free cash flow (FY2025)
- $4.9M
LOAN 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $8.7M | $5.1M | $0.45 | $4.9M | 58.8% | 10.2% |
| FY2024 | $9.7M | $5.6M | $0.49 | $4.9M | 57.5% | 11.1% |
| FY2023 | $9.8M | $5.5M | $0.48 | $5.6M | 55.6% | 12.7% |
| FY2022 | $8.6M | $5.2M | $0.45 | $5.2M | 60.6% | 12.0% |
| FY2021 | $6.8M | $4.4M | $0.42 | — | 64.7% | 11.7% |
| FY2020 | $7.0M | $4.2M | $0.44 | $4.2M | 60.1% | 13.2% |
| FY2019 | $7.3M | $4.5M | $0.47 | — | 61.3% | 14.0% |
| FY2018 | $7.2M | $4.2M | $0.48 | $4.4M | 58.2% | 15.5% |
| FY2017 | $5.9M | $3.4M | $0.42 | $3.5M | 58.5% | 15.5% |
| FY2016 | $4.6M | $2.8M | $0.37 | $3.0M | 61.4% | 12.8% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
MANHATTAN BRIDGE CAPITAL, INC has demonstrated mature, steady growth, with revenue compounding at 7.2% annually over the past decade.
MANHATTAN BRIDGE CAPITAL, INC returns on capital have been average, hovering around 10.7% ROIC over the decade.
MANHATTAN BRIDGE CAPITAL, INC has not shown aggressive share repurchases (>10% retirement) or a major balance-sheet leverage increase (>50% net debt growth) over the 10-year window.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, MANHATTAN BRIDGE CAPITAL, INC is modeled at 2.2% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $5.01 per share.