MBINN — Stock Film
STOCK FILMSCENE 1/11MBINN · $20.04
Stock Expert AI presents
MBINN
Merchants Bancorp
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Merchants Bancorp. A quick introduction.

On the stock market since 2021, it operates in the world of money and finance. It has 735 employees. Now — the numbers.

on the stock market since 2021
735 employees
$2.2B market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $16 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 16%

This is an established company with proven profits.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 31% a year over the last 4 years. Every year shown ended in profit.

$461.6M
2021
$602.1M
2022
$1.2B
2023
$1.4B
2024
$1.4B
2025
Every quarter, analysts set a profit bar.
How many of the last 6 did the company clear?
5 / 6
EXPECTATIONS MET OR BEATEN
5
Apr 2025
Jul 2025
Oct 2025
Jan 2026
Apr 2026
Jul 2026
5 TIMES IN THE LAST 6 QUARTERS
It clears the bar, quarter after quarter.
What executives did with their own stock over the last 12 months:
29 buy47 sell

Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.

INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
46
weak

Clearly below the class average.

FINANCIAL STRENGTH
3
very weak

For a bank, strength is measured by capital buffers and reserves — not cash minus debt.

VALUATION
40
weak

Clearly below the class average.

PRICE MOMENTUM
39
weak

Clearly below the class average.

WORTH WATCHING

Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.

Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.

THE FIVE-YEAR JOURNEY
Below the peak, but no collapse.

The stock trades 27% below its peak. The market has trimmed its expectations for the company.

1
THE BRIGHT SIDE · 1/3
A fat profit margin

The net profit margin is 16% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.

2
THE BRIGHT SIDE · 2/3
Sales keep climbing

Over the last 3 years, sales grew about 31% a year on average.

3
THE BRIGHT SIDE · 3/3
Pays a steady dividend

It pays out $1.50 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/3
A thin financial cushion

The balance sheet offers little cushion against a rough stretch. Report-card grade: 3/100.

2
THE RISKS · 2/3
The stock has lost its spark

Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 39/100. For a turnaround signal, the stock first needs to close the gap with the market.

3
THE RISKS · 3/3
The price runs ahead of the earnings

Today’s price already includes part of tomorrow’s optimism. Report-card grade: 40/100.

FINALE · THE GRADE
F
0 / 100 · MoonshotScore

On our five-subject report card, MBINN sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”

The takeaway: MBINN is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

What would you like to do next?
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This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film