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1. Company Snapshot

1.a. Company Description

Manhattan Bridge Capital, Inc., a real estate finance company, originates, services, and manages a portfolio of first mortgage loans in the United States.It offers short-term, secured, and non-banking loans to real estate investors to fund their acquisition, renovation, rehabilitation, or enhancement of properties in the New York metropolitan area, including New Jersey and Connecticut, and in Florida.The company's loans are primarily secured by collateral consisting of real estate and accompanied by personal guarantees from the principals of the borrowers.


It qualifies as a real estate investment trust for federal income tax purposes.The company generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders.Manhattan Bridge Capital, Inc.


was founded in 1989 and is headquartered in Great Neck, New York.

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1.b. Last Insights on LOAN

Manhattan Bridge Capital, Inc.'s recent performance was negatively impacted by a 14.1% decrease in net income for Q3 2025, primarily due to a decline in revenue. The company's earnings release revealed a decrease in net income to $1,202,000, or $0.11 per share, compared to $1,399,000, or $0.12 per share, in the same period last year. This decline was partially offset by a decrease in interest expense. The company's dividend payment of $0.115 per share, announced on September 26, 2025, may not be sufficient to offset the negative impact of declining revenue.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Manhattan Bridge Capital, Inc. Announces the Buy-back of up to 100,000 of its Common Shares

Nov -20

Source: globenewswire.com

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Manhattan Bridge Capital, Inc. Reports Third Quarter 2025 Results

Oct -24

Source: globenewswire.com

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Manhattan Bridge Capital, Inc. Announces Payment of Quarterly Dividend

Sep -26

Source: globenewswire.com

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ASHFORD HOSPITALITY TRUST ANNOUNCES REFINANCING OF MORTGAGE LOAN SECURED BY THE RENAISSANCE NASHVILLE HOTEL

Sep -15

Source: prnewswire.com

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METALSOURCE ANNOUNCES LOAN AGREEMENT

Aug -22

Source: globenewswire.com

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ASHFORD HOSPITALITY TRUST ANNOUNCES EXTENSION OF HIGHLAND LOAN

Jul -30

Source: prnewswire.com

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Manhattan Bridge Capital, Inc. Reports Second Quarter Results for 2025

Jul -22

Source: globenewswire.com

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FLAGSTAR BANK EXPANDS SPECIALIZED INDUSTRIES GROUP TO ACCELERATE INDUSTRY-FOCUSED, RELATIONSHIP-LED C&I LOAN GROWTH

Jul -09

Source: prnewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (9.90%)

6. Segments

Short-term, Secured, Non-banking Loans

Expected Growth: 9.9%

Manhattan Bridge Capital, Inc.'s 9.9% growth in short-term, secured, non-banking loans is driven by increasing demand for alternative lending, strong credit quality, and efficient underwriting processes. Additionally, the company's focus on small business and real estate loans, as well as its ability to provide quick access to capital, contribute to its growth momentum.

7. Detailed Products

Short-Term Commercial Loans

Manhattan Bridge Capital, Inc. offers short-term commercial loans to small and medium-sized businesses, providing them with quick access to capital to meet their short-term financial needs.

Long-Term Commercial Loans

Manhattan Bridge Capital, Inc. provides long-term commercial loans to businesses, offering a stable source of funding for long-term projects and investments.

Lines of Credit

Manhattan Bridge Capital, Inc. offers lines of credit to businesses, providing them with flexible access to capital to meet their ongoing financial needs.

Invoice Financing

Manhattan Bridge Capital, Inc. provides invoice financing to businesses, allowing them to receive immediate payment on outstanding invoices.

Merchant Cash Advance

Manhattan Bridge Capital, Inc. offers merchant cash advances to businesses, providing them with quick access to capital in exchange for a percentage of future credit card sales.

8. Manhattan Bridge Capital, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Manhattan Bridge Capital, Inc. is medium due to the availability of alternative investment options for investors.

Bargaining Power Of Customers

The bargaining power of customers for Manhattan Bridge Capital, Inc. is low due to the company's diversified customer base and lack of concentration.

Bargaining Power Of Suppliers

The bargaining power of suppliers for Manhattan Bridge Capital, Inc. is medium due to the company's dependence on a few key suppliers for its operations.

Threat Of New Entrants

The threat of new entrants for Manhattan Bridge Capital, Inc. is high due to the relatively low barriers to entry in the financial services industry.

Intensity Of Rivalry

The intensity of rivalry for Manhattan Bridge Capital, Inc. is high due to the highly competitive nature of the financial services industry.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 41.96%
Debt Cost 6.70%
Equity Weight 58.04%
Equity Cost 6.70%
WACC 6.70%
Leverage 72.30%

11. Quality Control: Manhattan Bridge Capital, Inc. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Franklin BSP Realty Trust

A-Score: 7.2/10

Value: 7.7

Growth: 6.8

Quality: 6.1

Yield: 10.0

Momentum: 3.0

Volatility: 9.3

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Stock-Card
Manhattan Bridge Capital

A-Score: 7.1/10

Value: 4.5

Growth: 5.0

Quality: 8.2

Yield: 10.0

Momentum: 6.0

Volatility: 9.0

1-Year Total Return ->

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Ellington Financial

A-Score: 6.8/10

Value: 5.7

Growth: 3.0

Quality: 5.9

Yield: 10.0

Momentum: 6.0

Volatility: 10.0

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Ladder Capital

A-Score: 6.6/10

Value: 6.1

Growth: 4.6

Quality: 5.5

Yield: 10.0

Momentum: 4.0

Volatility: 9.7

1-Year Total Return ->

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AG Mortgage Investment Trust

A-Score: 6.5/10

Value: 7.6

Growth: 3.3

Quality: 5.8

Yield: 10.0

Momentum: 5.0

Volatility: 7.3

1-Year Total Return ->

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Sachem Capital

A-Score: 4.0/10

Value: 7.0

Growth: 1.0

Quality: 3.0

Yield: 10.0

Momentum: 0.0

Volatility: 3.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

4.69$

Current Price

4.69$

Potential

-0.00%

Expected Cash-Flows