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Manhattan Bridge Capital, Inc.

LOAN

Manhattan Bridge Capital, Inc. • NASDAQ
$4.72 ▲ 0.64% (+0.03)
Market Cap $53.99 M
52w High $6.05
52w Low $4.29
Dividend Yield 0.46%
P/E 10.04
Volume 7.14K
Outstanding Shares 11.44M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $2.036M ▲ $413.518K ▼ $1.202M ▼ 59.053% ▼ $0.11 ▼ $1.226M ▲
Q2-2025 $1.849M ▲ $439.308K ▼ $1.413M ▲ 76.419% ▲ $0.12 $0
Q1-2025 $1.822M ▼ $453.714K ▼ $1.373M ▲ 75.35% ▲ $0.12 ▲ $0 ▲
Q4-2024 $1.858M ▲ $1.858M ▲ $1.306M ▼ 70.33% ▼ $0.11 ▼ $-4.87K ▼
Q3-2024 $1.776M $381.329K $1.399M 78.784% $0.12 $0

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $186.435K ▼ $59.989M ▼ $16.672M ▼ $43.317M ▼
Q2-2025 $208.767K ▲ $67.595M ▲ $24.168M ▲ $43.427M ▲
Q1-2025 $201.363K ▲ $65.787M ▼ $22.461M ▼ $43.326M ▲
Q4-2024 $178.012K ▲ $67.929M ▼ $24.664M ▼ $43.265M ▼
Q3-2024 $167.863K $70.702M $27.431M $43.271M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $1.202M ▼ $1.399M ▲ $7.381M ▲ $-8.789M ▼ $-9.36K ▲ $1.399M ▲
Q2-2025 $1.413M ▲ $1.226M ▲ $-1.622M ▼ $382.025K ▲ $-13.49K ▼ $1.226M ▲
Q1-2025 $1.373M ▲ $1.181M ▲ $1.758M ▼ $-2.918M ▲ $21.37K ▼ $1.181M ▲
Q4-2024 $1.306M ▼ $926.938K ▼ $3.165M ▲ $-4.058M ▼ $33.899K ▼ $926.938K ▼
Q3-2024 $1.399M $1.58M $-2.027M $509.313K $61.934K $1.577M

Five-Year Company Overview

Income Statement

Income Statement Income has been very steady over the past five years, with no big jumps or drops. Earnings per share have edged up over time, which suggests the company has managed to squeeze a bit more profit out of a roughly similar revenue base. Profitability looks fairly consistent, reflecting a disciplined, narrow business model rather than a fast‑growing one. The main risk on the income side is exposure to interest rate cycles and real estate conditions, which can pressure margins even if reported revenue appears stable.

Balance Sheet

Balance Sheet The balance sheet looks relatively simple and conservative. Assets have grown modestly, funded by a mix of equity and a manageable level of debt, with equity representing a meaningful share of the capital base. The company tends to keep very little idle cash, which is typical for a mortgage REIT that wants funds deployed into loans. The structure suggests a cautious use of leverage, but as a lender concentrated in specific real estate markets, the real risk sits in the quality of the loan book rather than in headline balance‑sheet ratios.

Cash Flow

Cash Flow Cash generation from operations has generally been positive, with free cash flow broadly tracking it because there is almost no spending on physical assets. That aligns with a capital‑light, finance‑driven business. Cash flows may look lumpy year to year as loans are made and repaid, but there is no sign of heavy cash burn or large investment commitments. The key cash‑flow sensitivity is to credit quality and collection timing—problems in the loan portfolio would show up quickly in weaker operating cash flow.

Competitive Edge

Competitive Edge Manhattan Bridge Capital occupies a focused niche in short‑term, “hard money” real estate lending, mainly in the New York metro area and Florida. Its edge comes from long experience, tight underwriting, and fast decision‑making rather than from scale. Strong relationships with repeat borrowers and deep local property knowledge form the core of its moat. However, the company remains small, concentrated in specific markets, and faces ongoing competition from other private lenders and banks, especially when credit is easy and capital is plentiful.

Innovation and R&D

Innovation and R&D This is a traditional lender, not a tech‑driven disruptor. The main “innovation” is an efficient, in‑house process for originating and managing loans, which allows quick approvals and funding. There is little evidence of heavy investment in digital platforms or new product types; the focus is on simple, short‑term loans delivered reliably and quickly. This process‑based approach has worked in their niche, but it also means they are not relying on cutting‑edge technology to drive future growth or to defend their position if competitors modernize faster.

Summary

Overall, Manhattan Bridge Capital looks like a small, specialized mortgage REIT built around consistency rather than rapid expansion. Earnings and balance sheet measures have been stable, with cautious leverage and modest, steady profitability. Cash flows are generally supportive of the business model, reflecting disciplined lending and low capital needs. The company’s strength lies in experience, relationships, and speed in a specific real estate niche, not in technology or product diversity. The main uncertainties relate to credit quality, local real estate cycles, and interest rate movements, all of which can affect a lender like this more than the headline stability of its recent financials might suggest.

NEWS

November 20, 2025 · 9:00 AM UTC

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

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October 24, 2025 · 4:35 PM UTC

Manhattan Bridge Capital, Inc. Reports Third Quarter 2025 Results

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September 26, 2025 · 7:00 AM UTC

Manhattan Bridge Capital, Inc. Announces Payment of Quarterly Dividend

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September 15, 2025 · 5:45 PM UTC

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

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