Manhattan Bridge Capital, Inc. (LOAN) Stock

Manhattan Bridge Capital, Inc. (LOAN) is a Real Estate stock trading at $3.98 (as of 2026-07-24), with a market capitalization of $45.47M and a trailing P/E of 9.6. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Manhattan Bridge Capital, Inc., a real estate finance company, originates, services, and manages a portfolio of first mortgage loans in the United States. It offers short-term, secured, and non-banking loans to real estate investors to fund their acquisition, renovation, rehabilitation, or enhancement of properties in the New York metropolitan area, including New Jersey and Connecticut, and in Florida. The company's loans are primarily secured by collateral consisting of real estate and accompanied by personal guarantees from the principals of the borrowers. It qualifies as a real estate investment trust for federal income tax purposes. The company generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. Manhattan Bridge Capital, Inc. was founded in 1989 and is headquartered in Great Neck, New York.

Understand Manhattan Bridge Capital, Inc.: how it makes money

Manhattan Bridge Capital originates, services, and manages a portfolio of first mortgage loans, providing short-term, secured, non-banking financing to real estate investors to support property acquisitions and improvements, mainly in the New York metropolitan area (including New Jersey and Connecticut) and also Florida.

Because the company originates and then services and manages first mortgage loans that are secured by real estate collateral and supported by personal guarantees, its profit model is tightly linked to how that loan portfolio performs over time.

Business quality (Solid): Clear, single business focus on originating and managing secured first mortgage lending, but limited disclosed operating detail here, so investors have to assess key loan performance and credit risk drivers to understand outcomes.

Valuation: At 10× earnings, LOAN trades 70% below the Trading average (34×). Note: one-time items can distort reported P/E.

Bull case

  • Loan structure emphasizes collateral and guarantees: Loans are primarily secured by real estate collateral and accompanied by personal guarantees from borrower principals, which can help reduce loss severity if borrowers underperform.
  • Specialized, property-improvement lending: The company’s short-term, secured loans are intended to fund acquisition and renovation or enhancement activities, aligning lending purpose with real estate improvement cycles.

Bear case

  • Credit and collateral risk: If borrower performance deteriorates or property values are weaker than expected, losses on the first mortgage portfolio could rise, especially if collateral and personal guarantees are not sufficient.
  • Geographic and deal-cycle concentration: Lending is concentrated in the New York metropolitan area (including New Jersey and Connecticut) and Florida, which could make results more sensitive to local real estate conditions and transaction timing.
  • Short-term exposure: Because the loans are described as short-term, outcomes may be sensitive to borrower refinancing or repayment timing.
Valuation — source: SEC EDGAR (first-party)
Price$3.98
Market Cap$45.47M
P/E Ratio9.6
EV / EBITDA9.6
Price / Book1.06
Price / Sales5.58
FCF Yield8.4%
DCF Value (model)$12.54
DCF Upside vs Price215.1%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$8.67M
Net Margin59.0%
Revenue Growth (YoY)-13.2%
EPS Growth (YoY)-16.7%
Valuation vs Sector & Industry
Stock P/E9.6
Sector P/E (Real Estate)30.1
Industry P/E (Trading)34.8
vs Sector-68.2%
vs Industry-72.5%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderPANORAMIC INVESTMENT ADVISORS, LLC ($1.96M)
Institutional Holders Tracked10
Company
SectorReal Estate
IndustryTrading
CEOAssaf Ran
Employees6
CountryUS
IPO Date1999-05-13

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LOAN earnings history · LOAN institutional & insider holders · LOAN KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-24.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.