Medallion Bank Logo

Medallion Bank

MBNKP

(1.8)
Stock Price

25,10 USD

3.02% ROA

18.44% ROE

0.83x PER

Market Cap.

46.312.616,00 USD

69.92% DER

7.95% Yield

25.22% NPM

Medallion Bank Stock Analysis

Medallion Bank Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Medallion Bank Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (17.74%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 ROA

The stock's ROA (1.77%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 DER

The stock has a reasonable amount of debt compared to its ownership (74%), suggesting a balanced financial position and a moderate level of risk.

5 Dividend

The company's track record of consistently paying dividends in the last three years highlights its dedication to providing investors with regular income.

6 PBV

The stock's high Price-to-Book Value (P/BV) ratio (1586.07x) suggests it's overvalued, potentially making it an expensive investment.

7 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

8 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (-27.775), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

Medallion Bank Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Medallion Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Medallion Bank Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Medallion Bank Revenue
Year Revenue Growth
2002 33.875.286.000
2003 26.214.365.000 -29.22%
2004 39.119.381.000 32.99%
2005 57.173.216.000 31.58%
2006 39.634.915.000 -44.25%
2007 51.393.000 -77021.23%
2008 52.284.000 1.7%
2009 41.403.000 -26.28%
2010 37.253.000 -11.14%
2011 37.227.000 -0.07%
2012 47.308.000 21.31%
2013 48.806.000 3.07%
2014 62.582.000 22.01%
2015 65.435.000 4.36%
2016 25.917.000 -152.48%
2017 47.155.000 45.04%
2018 108.776.000 56.65%
2019 116.113.000 6.32%
2020 129.496.000 10.33%
2021 143.618.000 9.83%
2022 177.084.000 18.9%
2023 263.544.000 32.81%
2023 154.527.000 -70.55%
2024 270.512.000 42.88%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Medallion Bank Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Medallion Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 2.454.962.000
2003 1.247.687.000 -96.76%
2004 1.776.251.000 29.76%
2005 2.266.839.000 21.64%
2006 1.955.521.000 -15.92%
2007 2.603.000 -75025.66%
2008 1.606.000 -62.08%
2009 1.554.000 -3.35%
2010 2.339.000 33.56%
2011 1.515.000 -54.39%
2012 679.000 -123.12%
2013 2.322.000 70.76%
2014 1.999.000 -16.16%
2015 2.991.000 33.17%
2016 2.814.000 -6.29%
2017 1.469.000 -91.56%
2018 1.312.000 -11.97%
2019 2.722.000 51.8%
2020 2.017.000 -34.95%
2021 1.695.000 -19%
2022 1.754.000 3.36%
2023 4.592.000 61.8%
2023 2.243.000 -104.73%
2024 7.380.000 69.61%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Medallion Bank EBITDA
Year EBITDA Growth
2002 6.044.974.000
2003 9.040.702.000 33.14%
2004 20.182.300.000 55.2%
2005 35.937.877.000 43.84%
2006 24.709.114.000 -45.44%
2007 33.558.000 -73531.07%
2008 34.964.000 4.02%
2009 21.673.000 -61.33%
2010 20.925.000 -3.57%
2011 23.116.000 9.48%
2012 -589.000 4024.62%
2013 -672.000 12.35%
2014 -807.000 16.73%
2015 -877.000 7.98%
2016 -635.000 -38.11%
2017 -2.410.000 73.65%
2018 -2.349.000 -2.6%
2019 -1.722.000 -36.41%
2020 -1.822.000 5.49%
2021 -1.872.000 2.67%
2022 -2.418.000 22.58%
2023 71.828.000 103.37%
2023 -3.176.000 2361.59%
2024 43.532.000 107.3%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Medallion Bank Gross Profit
Year Gross Profit Growth
2002 27.093.562.000
2003 19.461.749.000 -39.21%
2004 31.375.736.000 37.97%
2005 49.134.853.000 36.14%
2006 36.123.299.000 -36.02%
2007 47.706.000 -75620.66%
2008 48.530.000 1.7%
2009 35.491.000 -36.74%
2010 35.133.000 -1.02%
2011 34.022.000 -3.27%
2012 44.523.000 23.59%
2013 46.237.000 3.71%
2014 59.488.000 22.28%
2015 65.435.000 9.09%
2016 25.917.000 -152.48%
2017 47.155.000 45.04%
2018 38.117.000 -23.71%
2019 132.562.000 71.25%
2020 144.962.000 8.55%
2021 158.966.000 8.81%
2022 196.621.000 19.15%
2023 263.544.000 25.39%
2023 166.153.000 -58.62%
2024 282.816.000 41.25%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Medallion Bank Net Profit
Year Net Profit Growth
2002 -8.025.151.000
2003 1.414.488.000 667.35%
2004 5.427.409.000 73.94%
2005 13.462.366.000 59.68%
2006 3.165.385.000 -325.3%
2007 5.298.000 -59646.79%
2008 15.090.000 64.89%
2009 8.180.000 -84.47%
2010 9.873.000 17.15%
2011 10.763.000 8.27%
2012 19.470.000 44.72%
2013 18.440.000 -5.59%
2014 26.262.000 29.78%
2015 23.690.000 -10.86%
2016 1.962.000 -1107.44%
2017 4.553.000 56.91%
2018 5.666.000 19.64%
2019 20.446.000 72.29%
2020 2.515.000 -712.96%
2021 69.999.000 96.41%
2022 74.638.000 6.22%
2023 44.920.000 -66.16%
2023 79.852.000 43.75%
2024 60.144.000 -32.77%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Medallion Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 0 0%
2004 0 0%
2005 1 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 2 100%
2019 7 71.43%
2020 1 0%
2021 25 100%
2022 26 7.69%
2023 0 0%
2023 28 100%
2024 27 -7.69%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Medallion Bank Free Cashflow
Year Free Cashflow Growth
2002 -4.247.661.000
2003 -3.528.472.000 -20.38%
2004 12.708.252.000 127.77%
2005 14.681.060.000 13.44%
2006 1.885.341.000 -678.7%
2007 2.163.000 -87063.25%
2008 17.008.000 87.28%
2009 17.008.000 0%
2010 6.383.000 -166.46%
2011 9.191.000 30.55%
2012 26.129.000 64.82%
2013 30.556.000 14.49%
2014 36.006.000 15.14%
2015 44.339.000 18.79%
2016 54.008.000 17.9%
2017 69.851.000 22.68%
2018 70.090.000 0.34%
2019 72.099.000 2.79%
2020 78.660.000 8.34%
2021 103.770.000 24.2%
2022 115.804.000 10.39%
2023 0 0%
2023 120.713.000 100%
2024 28.646.000 -321.4%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Medallion Bank Operating Cashflow
Year Operating Cashflow Growth
2002 -4.034.622.000
2003 -3.227.126.000 -25.02%
2004 12.989.993.000 124.84%
2005 15.132.417.000 14.16%
2006 2.235.920.000 -576.79%
2007 2.651.000 -84242.51%
2008 17.248.000 84.63%
2009 17.248.000 0%
2010 6.719.000 -156.7%
2011 9.407.000 28.57%
2012 26.182.000 64.07%
2013 30.658.000 14.6%
2014 36.047.000 14.95%
2015 44.361.000 18.74%
2016 54.271.000 18.26%
2017 70.069.000 22.55%
2018 70.454.000 0.55%
2019 72.122.000 2.31%
2020 78.749.000 8.42%
2021 105.133.000 25.1%
2022 117.742.000 10.71%
2023 0 0%
2023 122.858.000 100%
2024 29.356.000 -318.51%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Medallion Bank Capital Expenditure
Year Capital Expenditure Growth
2002 213.039.000
2003 301.346.000 29.3%
2004 281.741.000 -6.96%
2005 451.357.000 37.58%
2006 350.579.000 -28.75%
2007 488.000 -71739.96%
2008 240.000 -103.33%
2009 240.000 0%
2010 336.000 28.57%
2011 216.000 -55.56%
2012 53.000 -307.55%
2013 102.000 48.04%
2014 41.000 -148.78%
2015 22.000 -86.36%
2016 263.000 91.63%
2017 218.000 -20.64%
2018 364.000 40.11%
2019 23.000 -1482.61%
2020 89.000 74.16%
2021 1.363.000 93.47%
2022 1.938.000 29.67%
2023 0 0%
2023 2.145.000 100%
2024 710.000 -202.11%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Medallion Bank Equity
Year Equity Growth
2002 161.864.679.000
2003 162.116.322.000 0.16%
2004 170.461.385.000 4.9%
2005 166.353.839.000 -2.47%
2006 169.628.002.000 1.93%
2007 172.423.000 -98278.99%
2008 174.946.000 1.44%
2009 162.977.000 -7.34%
2010 162.765.000 -0.13%
2011 171.504.000 5.1%
2012 117.633.092 -45.8%
2013 127.786.000 7.95%
2014 149.444.000 14.49%
2015 162.418.000 7.99%
2016 161.885.000 -0.33%
2017 164.230.000 1.43%
2018 194.591.000 15.6%
2019 298.461.000 34.8%
2020 291.627.000 -2.34%
2021 331.235.000 11.96%
2022 375.443.000 11.77%
2023 397.262.000 5.49%
2023 420.581.000 5.54%
2024 435.024.000 3.32%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Medallion Bank Assets
Year Assets Growth
2002 425.287.792.000
2003 456.494.457.000 6.84%
2004 709.909.624.000 35.7%
2005 792.973.202.000 10.47%
2006 631.604.888.000 -25.55%
2007 721.262.000 -87469.41%
2008 646.685.000 -11.53%
2009 555.174.000 -16.48%
2010 550.312.000 -0.88%
2011 537.031.000 -2.47%
2012 723.373.185 25.76%
2013 813.814.000 11.11%
2014 964.043.000 15.58%
2015 1.079.820.000 10.72%
2016 1.075.958.000 -0.36%
2017 1.077.354.000 0.13%
2018 1.022.512.000 -5.36%
2019 1.193.230.000 14.31%
2020 1.291.367.000 7.6%
2021 1.539.235.000 16.1%
2022 1.950.827.000 21.1%
2023 2.558.627.000 23.75%
2023 2.262.056.000 -13.11%
2024 2.443.392.000 7.42%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Medallion Bank Liabilities
Year Liabilities Growth
2002 263.423.113.000
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 605.740.093 100%
2013 686.028.000 11.7%
2014 814.599.000 15.78%
2015 917.402.000 11.21%
2016 914.073.000 -0.36%
2017 913.124.000 -0.1%
2018 855.517.000 -6.73%
2019 966.089.000 11.45%
2020 1.072.893.000 9.95%
2021 1.276.788.000 15.97%
2022 1.644.172.000 22.34%
2023 2.161.365.000 23.93%
2023 1.910.263.000 -13.14%
2024 2.077.179.999 8.04%

Medallion Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
111.75
Net Income per Share
30.36
Price to Earning Ratio
0.83x
Price To Sales Ratio
0.18x
POCF Ratio
0.44
PFCF Ratio
0.37
Price to Book Ratio
0.16
EV to Sales
-0.33
EV Over EBITDA
-3.28
EV to Operating CashFlow
-0.66
EV to FreeCashFlow
-0.67
Earnings Yield
1.21
FreeCashFlow Yield
2.72
Market Cap
0,05 Bil.
Enterprise Value
-0,08 Bil.
Graham Number
332.74
Graham NetNet
-604.07

Income Statement Metrics

Net Income per Share
30.36
Income Quality
1.87
ROE
0.19
Return On Assets
0.03
Return On Capital Employed
0.03
Net Income per EBT
0.75
EBT Per Ebit
1.16
Ebit per Revenue
0.29
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.96
Operating Profit Margin
0.29
Pretax Profit Margin
0.34
Net Profit Margin
0.25

Dividends

Dividend Yield
0.08
Dividend Yield %
7.95
Payout Ratio
0.41
Dividend Per Share
2

Operating Metrics

Operating Cashflow per Share
56.64
Free CashFlow per Share
55.66
Capex to Operating CashFlow
0.02
Capex to Revenue
0.01
Capex to Depreciation
6.86
Return on Invested Capital
0.1
Return on Tangible Assets
0.03
Days Sales Outstanding
3337.37
Days Payables Outstanding
69.09
Days of Inventory on Hand
-173402.2
Receivables Turnover
0.11
Payables Turnover
5.28
Inventory Turnover
-0
Capex per Share
0.98

Balance Sheet

Cash per Share
94,61
Book Value per Share
162,05
Tangible Book Value per Share
86.53
Shareholders Equity per Share
162.06
Interest Debt per Share
146.8
Debt to Equity
0.7
Debt to Assets
0.1
Net Debt to EBITDA
-5.1
Current Ratio
0.15
Tangible Asset Value
0,20 Bil.
Net Current Asset Value
-1,94 Bil.
Invested Capital
-583470000
Working Capital
-0,76 Bil.
Intangibles to Total Assets
0.07
Average Receivables
2,23 Bil.
Average Payables
0,00 Bil.
Average Inventory
-2396729500
Debt to Market Cap
5.53

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Medallion Bank Dividends
Year Dividends Growth
2020 2
2021 2 0%
2022 2 0%
2023 2 0%
2024 2 -100%

Medallion Bank Profile

About Medallion Bank

Medallion Bank operates as an industrial bank in the United States. The company operates through three segments: Recreation Lending, Home Improvement Lending, and Other. It provides consumer loans to purchase recreational vehicles, boats, and trailers. The company also offers financing for windows, siding, and roof replacement; and swimming pool and other home improvement projects. It offers its products through the network of dealers, contractors, and financial service providers. The company was founded in 2002 and is headquartered in Salt Lake City, Utah. Medallion Bank operates as a subsidiary of Medallion Financial Corp.

CEO
Mr. Donald S. Poulton
Employee
118
Address
1100 East 6600 South
Salt Lake City, 84121

Medallion Bank Executives & BODs

Medallion Bank Executives & BODs
# Name Age
1 Mr. Donald S. Poulton
Chief Executive Officer & President
70
2 Ms. Vikki Hawke
Senior Vice President of Consumer Lending Operations
70
3 Mr. Jonathan T. Allen
Senior Vice President & Chief Compliance Officer
70
4 Mr. David Justin Haley
Executive Vice President & Chief Financial Officer
70
5 Mr. Steven M. Hannay
Executive Vice President & Chief Lending Officer
70
6 Mr. John T. Taylor
Senior Vice President of Strategic Partnerships & Business Development
70
7 Mr. Aaron Heaps
Senior Vice President & Chief Information Officer
70

Medallion Bank Competitors