Merchants Bancorp
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Merchants Bancorp's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
−$0Sales grew 54% in 3 years, but profit fell: $0 less profit per $100 of extra sales.
Lower than 77% of Financial Services companies in United States.
Asset Productivity Ratio
+54% / +54%In 3 years sales changed by +54% while total assets changed by +54%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 66% of Financial Services companies in United States.
Tangible Net Worth Ratio
90%Of every $100 of net worth, $90 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 65% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Merchants Bancorp owes $0.89 for every $1 it owns. Net profit fell 32% in the year to Dec 2025, and shrank 0% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
9.9Investors pay $9.9 for every $1 of Merchants Bancorp's yearly profit, lower than 80% of Financial Services companies in United States.
P/B ratio
0.94The share price is 0.94 times Merchants Bancorp's book value per share, lower than 75% of Financial Services companies in United States.
Market cap
$2.3 BThe total market value of all of Merchants Bancorp's shares at today's price (share price × number of shares), larger than 69% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$2.4 BWhat Merchants Bancorp would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$52.11Net worth divided by the number of shares. The share price of $49.06 is 0.9 times this, which is the P/B above.
Return on equity (ROE)
11.7%Merchants Bancorp earned 11.7% on its shareholders' money over the last year, higher than 58% of Financial Services companies in United States.
Owes vs Owns
0.89×Merchants Bancorp owes $0.89 for every $1 it owns (high), higher than 70% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
0.92%Merchants Bancorp pays 0.92% of its share price as dividends a year, lower than 91% of dividend-paying Financial Services companies in United States.
Revenue growth
+2%Revenue rose 2% in the year to Dec 2025, and grew 15% a year on average over 3 years.
Profit growth
-32%Net profit fell 32% in the year to Dec 2025, and shrank 0% a year on average over 3 years.
Profit margin
32.3%Merchants Bancorp keeps $32 of every $100 of revenue as net profit.
Questions
What is Merchants Bancorp's P/E ratio?
Investors pay $9.9 for every $1 of Merchants Bancorp's yearly profit, lower than 80% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Merchants Bancorp: $2.3 B ÷ $2.4 B (30 Jun 2026) = 0.9.
What is Merchants Bancorp's return on equity?
Merchants Bancorp earned 11.7% on its shareholders' money over the last year, higher than 58% of Financial Services companies in United States.
How much does Merchants Bancorp owe compared with what it owns?
Merchants Bancorp owes $0.89 for every $1 it owns (high), higher than 70% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Merchants Bancorp pay a dividend?
Yes. Merchants Bancorp pays 0.92% of its share price as dividends a year, lower than 91% of dividend-paying Financial Services companies in United States.
Is Merchants Bancorp's revenue growing?
Revenue rose 2% in the year to Dec 2025, and grew 15% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.