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Manhattan Bridge Capital, Inc (LOAN)

Nasdaq: LOAN · Real Estate Investment Trusts · Great Neck,, NY · filing with the SEC since 1999
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Grade6.1
◀ Past 7.1● Present 7.1▶ Future 3.8
2 est.
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The grade of Manhattan Bridge Capital, Inc

Nine metrics read from its own filings, by tense
Headline grade
6.1/10
◀ Past7.125% of the headline
● Present7.145% of the headline
▶ Future3.830% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

7.1/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.0/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 70th percentile among 174 sector filers · read for itself

From the record

Manhattan Bridge Capital, Inc's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
5.9/10

What has it actually done, year after year?

+10.5% a year over 10 filed years; profitable in 10 of 10.

weight 33% of this tense · 59th percentile among 156 sector filers · read for its customers

From the record

Manhattan Bridge Capital, Inc's 10 filed years say what it did: revenue went from $3 million in fiscal 2014 to $9 million in fiscal 2025, up 10.5% a year; it rose in 6 of 9 years; the deepest fall was 12% from fiscal 2023 to fiscal 2025; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span10.5%top 31% of its family
  • the share of years revenue rosebottom 34% of its family
  • the share of filed years with a profittop 20% of its family
  • the deepest fall from a revenue peak11.5%top 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
8.8/10

How has it treated the people who own it?

Share count shrank 0.2% a year. 100% of cash flow returned. Insiders: 0 sales, 9 purchases.

weight 22% of this tense · 88th percentile among 156 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Manhattan Bridge Capital, Inc's diluted share count shrank about 0.2% a year, and dividends and buybacks returned about 100% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 9 purchases of their own stock on the open market in the year to 2026-10-22, buying about $93 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearstop 14% of its family
  • cash returned against operating cash flowtop 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

7.1/1045% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
8.5/10

Is it financially healthy right now?

ROE 12%: 12¢ of profit per shareholder dollar. Leverage 31%: owes 31¢ per asset dollar.

weight 45% of this tense · 85th percentile among 171 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Manhattan Bridge Capital, Inc earned about 12 cents of profit for every dollar of shareholders' money. Leverage: it owed about 31 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 4% of its family
  • return on equitytop 17% of its family
  • the share count against the year beforetop 23% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
3.9/10

How strong is its position in its industry?

bottom 39% of 157 in its family; net margin 59%.

weight 33% of this tense · 39th percentile among 157 sector filers · read for its customers

From the record

Manhattan Bridge Capital, Inc's standing among 157 graded names in its industry family: revenue of $9 million in fiscal 2025 ranks in the bottom 2% by size; a net margin of 59% ranks in the top 7%; revenue growth of 0.4% a year over the last 3 filed years ranks in the bottom 23% (its annual reports).

What it rests on

  • revenue against the family$8.7Mbottom 2% of its family
  • net margin59.0%top 7% of its family
  • three-year revenue growth0.4%bottom 23% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
9.1/10

What are the people in charge doing?

SI estimate 9.1/10, confidence 35 of 100 (one part).

weight 22% of this tense · 91st percentile among 169 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, the chief executive's years under the title, which ranks in the top 9% of 169 in its family; fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title.
What the record cannot read
Fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title.
How it was reasoned
one part: the chief executive's years on the record, the one part on file, ranked among 169 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Manhattan Bridge Capital, Inc's leadership is put at 9.1 of 10 with a confidence of 35 of 100, because read from one part only, the chief executive's years under the title, which ranks in the top 9% of 169 in its family; fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

3.8/1030% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

SI estimate
8.3/10

How much room does it have to grow?

SI estimate 8.3/10, confidence 35 of 100 (one part).

weight 22% of this tense · 83rd percentile among 172 sector filers · read for itself

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, cash from operations less capital spending against revenue, which ranks in the top 17% of 172 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
What the record cannot read
The record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
How it was reasoned
one part: cash from operations less capital spending against revenue, the one part on file, ranked among 172 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Manhattan Bridge Capital, Inc's room to expand is put at 8.3 of 10 with a confidence of 35 of 100, because read from one part only, cash from operations less capital spending against revenue, which ranks in the top 17% of 172 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.

Growth drivers

as filed
1.1/10

What could actually drive growth from here?

bottom 11% of 153 in its family for growth drivers.

weight 33% of this tense · 11th percentile among 153 sector filers · read for its customers

From the record

Manhattan Bridge Capital, Inc's growth drivers, from the filed years to fiscal 2025: revenue grew 0.4% a year over the last three filed years against 10.5% over all 10, slowing (bottom 19% of its family); the newest year grew -10.6% (bottom 10%); capital spending grew -47.4% a year (bottom 5%) (its annual reports). Manhattan Bridge Capital, Inc tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-10.1 points a yearbottom 19% of its family
  • the newest year's revenue growth-10.6%bottom 10% of its family
  • three-year growth of capital spending-47.4%bottom 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
3.5/10

Did its newest year beat what its own record pointed to?

bottom 35% of 150 in its family for expectations against reality.

weight 45% of this tense · 35th percentile among 150 sector filers · read for its shareholders

From the record

Manhattan Bridge Capital, Inc's newest year against its own record: revenue of $9 million in fiscal 2025 came in 15.9% below the $10 million its prior three years' pace pointed to (bottom 13% of its family); net income of $5 million against a prior three-year average of $5 million (bottom 40%); a net margin of 59% against 58.1% before (top 48%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-15.9%bottom 13% of its family
  • net income against the prior three years' average-6%bottom 40% of its family
  • net margin against its prior average+0.8 pointstop 48% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton LOAN · research, not advice