Merchants Bancorp Net Income
| MBIN Stock | USD 42.76 0.71 1.69% |
As of the 5th of February, Merchants Bancorp secures the Downside Deviation of 1.9, mean deviation of 1.69, and Risk Adjusted Performance of 0.1473. In connection with fundamental indicators, the technical analysis model lets you check existing technical drivers of Merchants Bancorp, as well as the relationship between them.
Merchants Bancorp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 9.3352 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income From Continuing Ops | 368.4 M | 386.9 M | |
| Net Income Applicable To Common Shares | 222.8 M | 233.9 M | |
| Net Income | 368.4 M | 386.9 M | |
| Net Income Per Share | 4.77 | 2.89 | |
| Net Income Per E B T | 0.83 | 0.58 |
Merchants | Net Income | Build AI portfolio with Merchants Stock |
Evaluating Merchants Bancorp's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into Merchants Bancorp's fundamental strength.
Latest Merchants Bancorp's Net Income Growth Pattern
Below is the plot of the Net Income of Merchants Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Merchants Bancorp financial statement analysis. It represents the amount of money remaining after all of Merchants Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Merchants Bancorp's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Merchants Bancorp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 320.39 M | 10 Years Trend |
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Net Income |
| Timeline |
Merchants Net Income Regression Statistics
| Arithmetic Mean | 118,486,735 | |
| Geometric Mean | 77,735,026 | |
| Coefficient Of Variation | 87.02 | |
| Mean Deviation | 92,535,924 | |
| Median | 62,874,000 | |
| Standard Deviation | 103,104,081 | |
| Sample Variance | 10630.5T | |
| Range | 292M | |
| R-Value | 0.86 | |
| Mean Square Error | 2979.7T | |
| R-Squared | 0.74 | |
| Significance | 0.00001 | |
| Slope | 17,530,897 | |
| Total Sum of Squares | 170087.2T |
Merchants Net Income History
Other Fundumenentals of Merchants Bancorp
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Merchants Bancorp Net Income component correlations
Merchants Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Merchants Bancorp is extremely important. It helps to project a fair market value of Merchants Stock properly, considering its historical fundamentals such as Net Income. Since Merchants Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Merchants Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Merchants Bancorp's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Commercial & Residential Mortgage Finance sector continue expanding? Could Merchants diversify its offerings? Factors like these will boost the valuation of Merchants Bancorp. Expected growth trajectory for Merchants significantly influences the price investors are willing to assign. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Merchants Bancorp data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.30) | Dividend Share 0.4 | Earnings Share 3.84 | Revenue Per Share | Quarterly Revenue Growth (0.18) |
Merchants Bancorp's market price often diverges from its book value, the accounting figure shown on Merchants's balance sheet. Smart investors calculate Merchants Bancorp's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Merchants Bancorp's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Understanding that Merchants Bancorp's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Merchants Bancorp represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. However, Merchants Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Merchants Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Merchants Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Merchants Bancorp.
| 11/07/2025 |
| 02/05/2026 |
If you would invest 0.00 in Merchants Bancorp on November 7, 2025 and sell it all today you would earn a total of 0.00 from holding Merchants Bancorp or generate 0.0% return on investment in Merchants Bancorp over 90 days. Merchants Bancorp is related to or competes with First Merchants, ST Bancorp, 1st Source, German American, TriCo Bancshares, Lakeland Financial, and National Bank. Merchants Bancorp operates as the diversified bank holding company in the United States More
Merchants Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Merchants Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Merchants Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.9 | |||
| Information Ratio | 0.1664 | |||
| Maximum Drawdown | 17.09 | |||
| Value At Risk | (2.97) | |||
| Potential Upside | 4.14 |
Merchants Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Merchants Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Merchants Bancorp's standard deviation. In reality, there are many statistical measures that can use Merchants Bancorp historical prices to predict the future Merchants Bancorp's volatility.| Risk Adjusted Performance | 0.1473 | |||
| Jensen Alpha | 0.4228 | |||
| Total Risk Alpha | 0.3038 | |||
| Sortino Ratio | 0.2368 | |||
| Treynor Ratio | 0.3385 |
Merchants Bancorp February 5, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1473 | |||
| Market Risk Adjusted Performance | 0.3485 | |||
| Mean Deviation | 1.69 | |||
| Semi Deviation | 1.51 | |||
| Downside Deviation | 1.9 | |||
| Coefficient Of Variation | 525.44 | |||
| Standard Deviation | 2.7 | |||
| Variance | 7.29 | |||
| Information Ratio | 0.1664 | |||
| Jensen Alpha | 0.4228 | |||
| Total Risk Alpha | 0.3038 | |||
| Sortino Ratio | 0.2368 | |||
| Treynor Ratio | 0.3385 | |||
| Maximum Drawdown | 17.09 | |||
| Value At Risk | (2.97) | |||
| Potential Upside | 4.14 | |||
| Downside Variance | 3.6 | |||
| Semi Variance | 2.27 | |||
| Expected Short fall | (1.98) | |||
| Skewness | 2.67 | |||
| Kurtosis | 14.64 |
Merchants Bancorp Backtested Returns
Merchants Bancorp appears to be very steady, given 3 months investment horizon. Merchants Bancorp has Sharpe Ratio of 0.2, which conveys that the firm had a 0.2 % return per unit of risk over the last 3 months. By analyzing Merchants Bancorp's technical indicators, you can evaluate if the expected return of 0.55% is justified by implied risk. Please exercise Merchants Bancorp's Risk Adjusted Performance of 0.1473, mean deviation of 1.69, and Downside Deviation of 1.9 to check out if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Merchants Bancorp holds a performance score of 15. The company secures a Beta (Market Risk) of 1.49, which conveys a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Merchants Bancorp will likely underperform. Please check Merchants Bancorp's value at risk, as well as the relationship between the skewness and day median price , to make a quick decision on whether Merchants Bancorp's current price movements will revert.
Auto-correlation | 0.69 |
Good predictability
Merchants Bancorp has good predictability. Overlapping area represents the amount of predictability between Merchants Bancorp time series from 7th of November 2025 to 22nd of December 2025 and 22nd of December 2025 to 5th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Merchants Bancorp price movement. The serial correlation of 0.69 indicates that around 69.0% of current Merchants Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.69 | |
| Spearman Rank Test | 0.64 | |
| Residual Average | 0.0 | |
| Price Variance | 7.71 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Merchants Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Merchants Bancorp reported net income of 320.39 M. This is 74.92% lower than that of the Financial Services sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 43.89% higher than that of the company.
Merchants Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Merchants Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Merchants Bancorp could also be used in its relative valuation, which is a method of valuing Merchants Bancorp by comparing valuation metrics of similar companies.Merchants Bancorp is currently under evaluation in net income category among its peers.
Merchants Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Merchants Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Merchants Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
Merchants Bancorp Institutional Holders
Institutional Holdings refers to the ownership stake in Merchants Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Merchants Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Merchants Bancorp's value.| Shares | Marshall Wace Asset Management Ltd | 2025-06-30 | 281.1 K | Basswood Capital Management Llc | 2025-06-30 | 273.7 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 254.2 K | Jpmorgan Chase & Co | 2025-06-30 | 252.6 K | Fj Capital Management Llc | 2025-06-30 | 238.6 K | Valeo Financial Advisors, Llc | 2025-06-30 | 236.4 K | Charles Schwab Investment Management Inc | 2025-06-30 | 226.2 K | Northern Trust Corp | 2025-06-30 | 226.1 K | Royal Bank Of Canada | 2025-06-30 | 225.9 K | Blackrock Inc | 2025-06-30 | 1.9 M | Dimensional Fund Advisors, Inc. | 2025-06-30 | 1.5 M |
Merchants Fundamentals
| Return On Equity | 0.0967 | ||||
| Return On Asset | 0.0114 | ||||
| Profit Margin | 0.39 % | ||||
| Operating Margin | 0.52 % | ||||
| Current Valuation | 6.14 B | ||||
| Shares Outstanding | 45.89 M | ||||
| Shares Owned By Insiders | 44.49 % | ||||
| Shares Owned By Institutions | 35.11 % | ||||
| Number Of Shares Shorted | 1.59 M | ||||
| Price To Earning | 5.54 X | ||||
| Price To Book | 1.12 X | ||||
| Price To Sales | 3.48 X | ||||
| Revenue | 1.37 B | ||||
| Gross Profit | 563.69 M | ||||
| EBITDA | 263.8 M | ||||
| Net Income | 320.39 M | ||||
| Cash And Equivalents | 472.79 M | ||||
| Cash Per Share | 10.97 X | ||||
| Total Debt | 4.34 B | ||||
| Debt To Equity | 11.30 % | ||||
| Book Value Per Share | 37.69 X | ||||
| Cash Flow From Operations | (835.28 M) | ||||
| Short Ratio | 9.86 X | ||||
| Earnings Per Share | 3.84 X | ||||
| Target Price | 47.33 | ||||
| Number Of Employees | 663 | ||||
| Beta | 1.26 | ||||
| Market Capitalization | 1.96 B | ||||
| Total Asset | 18.81 B | ||||
| Retained Earnings | 1.33 B | ||||
| Annual Yield | 0.01 % | ||||
| Net Asset | 18.81 B | ||||
| Last Dividend Paid | 0.4 |
About Merchants Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Merchants Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Merchants Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Merchants Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with Merchants Bancorp
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Merchants Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Merchants Bancorp will appreciate offsetting losses from the drop in the long position's value.Moving together with Merchants Stock
| 0.9 | WSBF | Waterstone Financial Normal Trading | PairCorr |
Moving against Merchants Stock
The ability to find closely correlated positions to Merchants Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Merchants Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Merchants Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Merchants Bancorp to buy it.
The correlation of Merchants Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Merchants Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Merchants Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Merchants Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out To learn how to invest in Merchants Stock, please use our How to Invest in Merchants Bancorp guide.You can also try the Portfolio Volatility module to check portfolio volatility and analyze historical return density to properly model market risk.
Will Commercial & Residential Mortgage Finance sector continue expanding? Could Merchants diversify its offerings? Factors like these will boost the valuation of Merchants Bancorp. Expected growth trajectory for Merchants significantly influences the price investors are willing to assign. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Merchants Bancorp data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.30) | Dividend Share 0.4 | Earnings Share 3.84 | Revenue Per Share | Quarterly Revenue Growth (0.18) |
Merchants Bancorp's market price often diverges from its book value, the accounting figure shown on Merchants's balance sheet. Smart investors calculate Merchants Bancorp's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Merchants Bancorp's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Understanding that Merchants Bancorp's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Merchants Bancorp represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. However, Merchants Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.