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MBINMerchants BancorpHold6.0·$50.11+1.11%
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Merchants Bancorp (MBIN) Stock Analysis

HoldVALUE-TRAP 1/5Moderate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $50.11, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.7% away).

Merchants Bancorp is an Indiana-based diversified bank holding company with three segments: Multi-family Mortgage Banking, Mortgage Warehousing, and Banking, operating with $19.4 billion in assets. It originates and services government-agency multifamily and residential loans... Read more

$50.11-0.3% A.UpsideScore 6.0/10#69 of 142 Banks - Regional
QualityF-score4 / 9FCF yield
IncomeYield0.89%(5y avg 0.98%)Payout10.00%sustainable
Stop $47.29Target $49.98(resistance)A.R:R -1.1:1
Analyst target$51.67+3.1%3 analysts
$49.98our TP
$50.11price
$51.67mean
$46
$58

Hold if already holding. Not a fresh buy at $50.11, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.7% away). Chart setup: No clear chart pattern; technical signals are mixed. Mixed signals. Hold existing position. Score 6.0/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 46d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-13
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Jul 28, 202646d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Near 52-week high (1.7% away)
Elevated risk factors

Key Metrics

P/E (TTM)12.1
P/E (Fwd)8.7
Mkt Cap$2.3B
EV/EBITDA
Profit Mgn39.0%
ROE10.2%
Rev Growth15.8%
Beta1.16
Dividend0.89%
Rating analysts9

Quality Signals

Piotroski F4/9

Options Flow

IV84%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Bollinger
0.3
Support Resistance
1.3
52w Position
9.7
GatesA.R:R -1.1=NEGATIVEMomentum 7.7>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 46d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
72 · Overbought
20D MA 50D MA 200D MAGOLDEN CROSSSupport $44.19Resistance $51.00

Price Targets

$47
$50
A.Upside-0.3%
A.R:R-1.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-12.4% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-28 (46d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is MBIN stock a buy right now?

Hold if already holding. Not a fresh buy at $50.11, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.7% away). Chart setup: No clear chart pattern; technical signals are mixed. Mixed signals. Hold existing position. Target $49.98 (-0.3%), stop $47.29 (−6.0%), A.R:R -1.1:1. Score 6.0/10, moderate confidence.

What is the MBIN stock price target?

Take-profit target: $49.98 (-0.3% upside). Target $49.98 (-0.3%), stop $47.29 (−6.0%), A.R:R -1.1:1. Stop-loss: $47.29.

What are the risks of investing in MBIN?

Analyst target reached - limited upside remaining; Near 52-week high (1.7% away); Elevated risk factors.

Is MBIN overvalued or undervalued?

Merchants Bancorp trades at a P/E of 12.1 (forward 8.7). TrendMatrix value score: 7.8/10. Verdict: Hold.

What do analysts say about MBIN?

9 analysts cover MBIN with a consensus score of 4.0/5. Average price target: $52.

What does Merchants Bancorp do?Merchants Bancorp is an Indiana-based diversified bank holding company with three segments: Multi-family Mortgage...

Merchants Bancorp is an Indiana-based diversified bank holding company with three segments: Multi-family Mortgage Banking, Mortgage Warehousing, and Banking, operating with $19.4 billion in assets. It originates and services government-agency multifamily and residential loans nationally and is one of the largest warehouse lenders in the country, funding $66.3 billion of loan principal in 2025.

Related stocks: INTR (Inter & Co. Inc.) · CUBI (Customers Bancorp, Inc) · GABC (German American Bancorp, Inc.) · IFS (Intercorp Financial Services In) · SSB (SouthState Bank Corporation)
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