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Merchants Bancorp (MBIN)

Financial Services | Banks - Regional | Carmel, United States | NasdaqCM
48.83 USD -0.18 (-0.377%) ⇩ (Oct. 13, 2026, 4 p.m. EDT)
After hours: 48.83
Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★⯪☆☆
Hot Take ↕ | Oct. 10, 2026, 7:48 a.m. EDT

Merchants Bancorp presents a compelling dichotomy: a fundamentally robust regional bank trading at a discount, yet weighed down by aggressive short-term speculation and recent price weakness. The long-term outlook is solid; the company boasts exceptional profitability with a 42% profit margin and a 117% return on equity, alongside a massive 90% cumulative gain over the last seven years. While the most recent year saw a 30% decline, the underlying business quality—driven by strong earnings growth and a fortress balance sheet—remains intact, justifying a strong buy rating for patient capital. However, the short-term picture is murky. The stock is currently trading below its 50-day moving average, and the options market is screaming caution, with traders loading up on cheap insurance against further drops rather than betting on rallies. This disconnect between the healthy fundamentals and the pessimistic sentiment creates a classic setup for a mean reversion, but the immediate path is likely choppy as the market digests the recent volatility.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.088463
AutoARIMA0.088711
AutoETS0.089493
MSTL0.092552

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 51%
H-stat 0.26
Ljung-Box p 0.000
Jarque-Bera p 0.278
Excess Kurtosis 0.35
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-14
Last Dividend Date 2026-09-14
Revenue per Share 13.773
Market Cap 2,242,796,288
Trailing P/E 9.80
Forward P/E 8.12
Beta 1.21
Profit Margins 42.47%
Website https://bankmerchants.com

As of Oct. 10, 2026, 7:48 a.m. EDT: Speculators are positioning aggressively for downside protection, evidenced by heavy open interest in deep out-of-the-money puts (strikes 25 and 35) expiring late in the year, while call activity remains sparse and concentrated at strikes significantly above the current price. This asymmetry suggests a 'bear put spread' mentality rather than a bullish breakout expectation.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.21% 0.97% 0.98% 1.03%
Dividend History
Date Dividend Yield %
2026-09-15 0.110000 0.208136
2026-06-15 0.110000 0.223714
2026-03-13 0.110000 0.264042
2025-12-15 0.100000 0.272331
2025-09-15 0.100000 0.310366
2025-06-13 0.100000 0.319795
2025-03-14 0.100000 0.263852
2024-12-13 0.090000 0.233888
2024-09-13 0.090000 0.205011
2024-06-14 0.090000 0.230415
2024-03-14 0.090000 0.222113
2023-12-14 0.080000 0.200050
2023-09-14 0.080000 0.282187
2023-06-14 0.080000 0.299401
2023-03-14 0.080000 0.303375
2022-12-14 0.070000 0.281690
2022-09-14 0.070000 0.280899
2022-06-14 0.070000 0.299145
2022-03-14 0.070000 0.248403
2021-12-14 0.060000 0.204685
2021-09-14 0.060000 0.249377
2021-06-14 0.060000 0.219566
2021-03-12 0.060000 0.206517
2020-12-14 0.053333 0.287251
2020-09-14 0.053333 0.389671
2020-06-12 0.053333 0.484258
2020-03-12 0.053333 0.561794
2019-12-12 0.046667 0.373535
2019-09-12 0.046667 0.433977
2019-06-13 0.046667 0.423219
2019-03-14 0.046667 0.345852
2018-12-13 0.040000 0.285987
2018-09-13 0.040000 0.216061
2018-06-14 0.040000 0.215208
2018-03-14 0.040000 0.269663
2017-12-14 0.033333 0.240498
Additional Data
dividendRate 0.44
dividendYield 0.9
exDividendDate 2026-09-15
trailingAnnualDividendRate 0.42
trailingAnnualDividendYield 0.008569679
lastDividendValue 0.11
lastDividendDate 2026-09-15
dividendDate 2026-10-01

Info Dump

Attribute Value
52 Week Change 0.50568354
Address1 410 Monon Boulevard
All Time High 56.87
All Time Low 8.246667
Ask 62.14
Ask Size 2
Audit Risk 6
Average Analyst Rating 2.7 - Hold
Average Daily Volume10 Day 176,840
Average Daily Volume3 Month 187,806
Average Volume 187,806
Average Volume10Days 176,840
Beta 1.212
Bid 35.0
Bid Size 2
Board Risk 9
Book Value 40.109
City Carmel
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 4
Country United States
Crypto Tradeable 0
Currency USD
Current Price 48.825
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 49.51
Day Low 48.5
Dividend Date 1,790,812,800
Dividend Rate 0.44
Dividend Yield 0.9
Earnings Call Timestamp End 1,754,337,600
Earnings Call Timestamp Start 1,754,337,600
Earnings Growth 1.467
Earnings Quarterly Growth 1.062
Earnings Timestamp 1,793,217,600
Earnings Timestamp End 1,793,217,600
Earnings Timestamp Start 1,793,217,600
Ebitda Margins 0.0
Enterprise To Revenue 9.965
Enterprise Value 6,301,219,328
Eps Current Year 5.43667
Eps Forward 6.01
Eps Trailing Twelve Months 4.98
Esg Populated 0
Ex Dividend Date 1,789,430,400
Exchange NCM
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 52.6077
Fifty Day Average Change -3.7826996
Fifty Day Average Change Percent -0.071903914
Fifty Two Week Change Percent 50.568356
Fifty Two Week High 56.87
Fifty Two Week High Change -8.044998
Fifty Two Week High Change Percent -0.14146295
Fifty Two Week Low 30.37
Fifty Two Week Low Change 18.455
Fifty Two Week Low Change Percent 0.60767204
Fifty Two Week Range 30.37 - 56.87
Financial Currency USD
First Trade Date Milliseconds 1,509,111,000,000
Five Year Avg Dividend Yield 0.94
Float Shares 25,368,383
Forward Eps 6.01
Forward P E 8.12396
Full Exchange Name NasdaqCM
Full Time Employees 735
Fullday Change -0.18499756
Fullday Change Percent -0.377469
Fullday Price 48.825
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 632,339,008
Has Pre Post Market Data 1
Held Percent Insiders 0.4595
Held Percent Institutions 0.40805
Implied Shares Outstanding 45,935,408
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,789,430,400
Last Dividend Value 0.11
Last Fiscal Year End 1,767,139,200
Last Split Date 1,642,464,000
Last Split Factor 3:2
Long Business Summary Merchants Bancorp operates as the diversified bank holding company in the United States. It operates through three segments: Multi-family Mortgage Banking, Mortgage Warehousing, and Banking. The Multi-family Mortgage Banking segment engages in the mortgage banking, which originates, and services government sponsored mortgages, including bridge financing products to refinance, acquire, or reposition multi-family housing projects, and construction lending for housing development and healthcare facilities financing. This segment also offers customized loan products for need-based skilled nursing facilities, such as independent living, assisted living, and memory care; and tax credit equity syndicator service. The Mortgage Warehousing segment funds agency eligible residential loans, as well as commercial loans to non-depository financial institutions. The Banking segment offers a range of financial products and services to consumers and businesses, which includes retail banking, commercial lending, agricultural lending, retail and correspondent residential mortgage banking, and small business administration lending. Merchants Bancorp was founded in 1990 and is headquartered in Carmel, Indiana.
Long Name Merchants Bancorp
Market us_market
Market Cap 2,242,796,288
Market State POSTPOST
Max Age 86,400
Message Board Id finmb_46401304
Most Recent Quarter 1,782,777,600
Net Income To Common 228,738,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 2,359,838,912
Number Of Analyst Opinions 2
Open 49.39
Operating Cashflow -752,145,984
Operating Margins 0.61074
Overall Risk 7
Payout Ratio 0.084300004
Phone 317 569 7420
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 48.825
Post Market Time 1,791,921,686
Previous Close 49.01
Price Eps Current Year 8.980681
Price Hint 2
Price To Book 1.2173078
Price To Sales Trailing12 Months 3.546826
Profit Margins 0.42474997
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key hold
Recommendation Mean 2.66667
Region US
Regular Market Change -0.184998
Regular Market Change Percent -0.377469
Regular Market Day High 49.51
Regular Market Day Low 48.5
Regular Market Day Range 48.5 - 49.51
Regular Market Open 49.39
Regular Market Previous Close 49.01
Regular Market Price 48.825
Regular Market Time 1,791,921,601
Regular Market Volume 140,009
Return On Assets 0.013309999
Return On Equity 0.11733
Revenue Growth 0.371
Revenue Per Share 13.773
Sand P52 Week Change 0.17502642
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 45,935,408
Shares Percent Shares Out 0.0427
Shares Short 1,961,821
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 1,817,122
Short Name Merchants Bancorp
Short Percent Of Float 0.0775
Short Ratio 8.51
Source Interval 15
State IN
Symbol MBIN
Target High Price 65.0
Target Low Price 63.0
Target Mean Price 64.0
Target Median Price 64.0
Total Cash 791,884,032
Total Cash Per Share 17.238
Total Debt 4,298,886,144
Total Revenue 632,339,008
Tradeable 0
Trailing Annual Dividend Rate 0.42
Trailing Annual Dividend Yield 0.008569679
Trailing Eps 4.98
Trailing P E 9.804217
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 46.5734
Two Hundred Day Average Change 2.2516022
Two Hundred Day Average Change Percent 0.04834524
Type Disp Equity
Volume 140,009
Website https://bankmerchants.com
Zip 46,032