Merchants Bancorp (MBIN)
State Commercial Banks · Financial Services · $2.3B
Intrinsic Value (Consensus)
$59.09
Current Price
$49.69
Margin of Safety
+18.9%
18.9% Below Intrinsic Value
Value: $59
Price: $50
Valuation Model Estimates
Current Price: $49.69
DCF (Discounted Cash Flow)
Not applicable
—
Graham Number
$64.98
Earnings Power Value
$36.70
Relative Value (P/E)
$75.60
Dividend Discount Model
$5.30
Consensus Value
$59.09
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
52
Profitability
15/25
Strength
14/25
Valuation
19/25
Growth
4/25
Financial Health Signals
Negative free cash flow — company is burning cash
Low debt — conservative balance sheet
Key Financials
- EPS (TTM)
- $3.78
- EPS (Forward)
- $3.86
- Book Value
- $49.65
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 9.6%
- Debt/Equity
- 8%
- Revenue Growth
- N/A
- Earnings Growth
- 2.0%
- Dividend Yield
- 0.6%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance