Stock Ratings / Financials / LOAN / earnings

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Manhattan Bridge Capital Inc (LOAN) Next Earnings Date & Expected ±6.2% Move

$3.45 +1.47% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $3.45

Manhattan Bridge Capital Inc (LOAN) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $39.1M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $3.45 (+0.07%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 56.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LOAN)Realized 20D OHLCV Swing Band: ±6.2%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY LOAN SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 8% of 52W Range • RSI-14 at 37.6 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$3.43+2.3% Next Q

Q2 (-2Q)

Grade C+$3.51-0.9% Next Q

Q3 (-1Q)

Grade C+$3.48-0.9% Next Q

Current

Grade C+$3.45+1.6% Hist 90D α

Trajectory: C (59) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the LOAN Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, LOAN faces multiple-compression risk if 7.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($3.78) or 200D SMA ($4.21) invalidates the momentum regime and cuts Target Base ($3.59) toward Bear Floor ($2.80).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LOAN• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “LOAN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±6.2% Swing Band

±$0.21 Expected Swing

MODEL EARNINGS SETUP GAUGE

LOAN Quantitative Pre-Earnings Setup: 67/100

Trailing EPS: $0.45 • YoY Revenue Growth: -10.6%

Model Bullish Setup (67/100)Model Risk Weight (33/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$8.7M	$5.1M	$4.9M	52%
FY 2024	2024-12-31	$9.7M	$5.6M	$4.9M	52%
FY 2023	2023-12-31	$9.8M	$5.5M	$5.4M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating LOAN & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on LOAN
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

LOAN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -20.32%▼ DESCENDING CHANNEL

2026-10-30O $3.46H $3.46L $3.42C $3.45VOL 16.5K

RES: $3.98SUP: $3.17SMA50: $3.78SMA200: $4.21

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LOAN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LOAN Butterfly Map → + Track LOAN →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-6.2%/yr Implied 5Y Growth

vs. -10.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on LOAN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LOAN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for LOAN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LOAN)

Financials Rank #265 of 1096 ⚔️ SACH vs LOAN Full Matrix →

1. Head-to-Head Financials Peer Comparison (LOAN vs. SACH, FSP, BHM, CLPR)

Industry: Real Estate Investment Trusts (172 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Manhattan Bridge Capital Inc (LOAN) ranks #265 by composite RQD confidence (67/100, grade C+) and #1026 by equity capitalization ($39.1M). Within this direct 5-issuer industry benchmark cohort, SACH leads on earnings valuation at 6.2x trailing P/E, while CLPR leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. LOAN currently leads its immediate peer cohort in composite quantitative strength at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
LOAN ACTIVE Manhattan Bridge Capital Inc	C+	67/100	7.7x	—	9.3%	+1.47%	$39.1M	Benchmark Subject
SACH Sachem Capital Corp.	C-	59/100	6.2x	—	3.6%	-0.52%	$39.4M	/sach-vs-loan →
FSP Franklin Street Properties Corp.	D+	54/100	—	—	—	+19.41%	$40.1M	/fsp-vs-loan →
BHM Bluerock Homes Trust Inc. (Class A)	D+	57/100	—	—	—	+4.12%	$31.7M	/bhm-vs-loan →
CLPR Clipper Realty Inc.	C	62/100	—	—	85.0%	+1.60%	$51.2M	/clpr-vs-loan →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001080340

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Manhattan Bridge Capital Inc (LOAN) reported GAAP revenue of $8.7M (-10.6% vs. FY2024 revenue of $9.7M , and -11.5% cumulative change since FY2023) , GAAP net income of $5.1M, operating cash flow of $4.9M, and free cash flow of $4.9M (+0.0% YoY). On the balance sheet, LOAN closed FY2025 with $62.4M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$8.7M	$5.1M	$4.9M	$4.9M	$62.4M	—
FY2024 (FY)	2024-12-31	$9.7M	$5.6M	$4.9M	$4.9M	$67.4M	—
FY2023 (FY)	2023-12-31	$9.8M	$5.5M	$5.4M	$5.4M	—	—

3. LOAN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LOAN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Manhattan Bridge Capital Inc (NASDAQ: LOAN) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $3.45 (+1.47% 1D, market cap $39.1M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, LOAN ranks #265 in composite RQD confidence.

How does LOAN compare to SACH and FSP in the Financials sector?

Within the Financials sector (Real Estate Investment Trusts), LOAN carries a Roarable C+ (67/100 RQD), trailing P/E of 7.7x, gross margin of —, and ROIC of 9.3%. By comparison, SACH (Sachem Capital Corp.) holds a C- grade (59/100 RQD, P/E 6.2x, ROIC 3.6%, cap $39.4M) and FSP (Franklin Street Properties Corp.) posts a D+ grade (54/100 RQD, P/E N/A, ROIC —, cap $40.1M). Among the 5-stock peer group, SACH leads on earnings multiple (6.2x) while CLPR leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for LOAN?

Per LOAN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001080340), Manhattan Bridge Capital Inc generated $8.7M in revenue (-10.6% YoY), $5.1M in net income, and $4.9M in free cash flow against $62.4M in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is LOAN trading relative to its 50-day, 200-day, and 52-week technical levels?

LOAN last traded at $3.45 (+1.47% on volume of 26,901 shares), positioning the stock -8.73% below its 50-day simple moving average ($3.78) and -18.05% below its 200-day simple moving average ($4.21). Across its 52-week range of $3.31 to $5.13, LOAN sits at the 7.7% percentile with a 14-day RSI of 37.6 (NEUTRAL RANGE) and an implied next-earnings move of ±6.2% ($3.24 to $3.66).