ROARABLE
FREE $100K
Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Financials / LOAN / options
SACH (53) FSP (51) BHM (47) CLPR (58) ⌘ Pro Terminal →

Manhattan Bridge Capital Inc (LOAN) Options Positioning, Max Pain & Unusual Sweeps

$3.42 0.00% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $3.41

Manhattan Bridge Capital Inc (LOAN) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $38.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LOAN Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LOAN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Manhattan Bridge Capital Inc (NASDAQ: LOAN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $3.42 (0.00% 1D, market cap $38.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, LOAN ranks #537 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LOAN compare to SACH and FSP in the Financials sector?
▼

Within the Financials sector (Real Estate Investment Trusts), LOAN carries a Roarable D+ (55/100 RQD), trailing P/E of 7.7x, gross margin of —, and ROIC of 9.3%. By comparison, SACH (Sachem Capital Corp.) holds a D+ grade (53/100 RQD, P/E 6.2x, ROIC 3.6%, cap $39.3M) and FSP (Franklin Street Properties Corp.) posts a D grade (51/100 RQD, P/E N/A, ROIC —, cap $41.7M). Among the 5-stock peer group, SACH leads on earnings multiple (6.2x) while CLPR leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) 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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $3.41 (-0.19%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 56.9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510055
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 D+ · Rk C-
Cash (12)Whales (3)SEC (13)Macro (11)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE-1.5% Base Target
$5 Bull$3 Base$3 Bear
📬 FREE LOAN RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LOAN)Realized 20D OHLCV Swing Band: ±5.8%
Deterministic 5-Pillar Attribution (55/100 Composite)
🔍 WHY LOAN SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (29% of score)

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

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
47
Grade D$3.34+2.4% Next Q
Q2 (-2Q)
50
Grade C-$3.42+1.2% Next Q
Q3 (-1Q)
52
Grade C-$3.46-1.2% Next Q
Current
55
Grade D+$3.42-0.5% Hist 90D α
Trajectory: D (47) → D+ (55)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 55/100 (D+) 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 ($3.75) or 200D SMA ($4.20) invalidates the momentum regime and cuts Target Base ($3.37) toward Bear Floor ($2.63).

🎲 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 55%NO 45%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±5.8%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (LOAN)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for LOAN.

Sponsored / Partner SpotlightACTIVE TRADER & PROP EVALUATION DESK

Practice in Our Weekly $100,000 Paper Arena Before Risking Personal Capital

Keep your personal nest egg in cash while trading NQ, ES, Crude, and Gold momentum using institutional prop-desk buying power.

FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

🏆 Enter Free $100K Paper Arena →
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring LOAN)

  • ✓Walkthrough of LOAN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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: -21.02%▼ DESCENDING CHANNEL
2026-11-03O $3.45H $3.45L $3.42C $3.42VOL 16.5K
RES: $3.97SUP: $3.15SMA50: $3.75SMA200: $4.20
$4.98$4.53$4.07$3.62$3.17RES $3.97SUP $3.15$3.422026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
-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

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 #537 of 1097 ⚔️ 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 1097 tracked Financials securities in the Roarable RQD universe, Manhattan Bridge Capital Inc (LOAN) ranks #537 by composite RQD confidence (55/100, grade D+) and #1025 by equity capitalization ($38.8M). 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. CLPR currently holds the highest overall quantitative score in the immediate peer group at 58/100 (D+) compared with LOAN at 55/100 (D+).

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
D+ 55/100 7.7x — 9.3% 0.00% $38.8M Benchmark Subject
SACH
Sachem Capital Corp.
D+ 53/100 6.2x — 3.6% -1.22% $39.3M /sach-vs-loan →
FSP
Franklin Street Properties Corp.
D 51/100 — — — +7.13% $41.7M /fsp-vs-loan →
BHM
Bluerock Homes Trust Inc. (Class A)
D 47/100 — — — 0.00% $31.4M /bhm-vs-loan →
CLPR
Clipper Realty Inc.
D+ 58/100 — — 85.0% +5.88% $52.2M /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 2026-11-03, Manhattan Bridge Capital Inc (NASDAQ: LOAN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $3.42 (0.00% 1D, market cap $38.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, LOAN ranks #537 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 D+ (55/100 RQD), trailing P/E of 7.7x, gross margin of —, and ROIC of 9.3%. By comparison, SACH (Sachem Capital Corp.) holds a D+ grade (53/100 RQD, P/E 6.2x, ROIC 3.6%, cap $39.3M) and FSP (Franklin Street Properties Corp.) posts a D grade (51/100 RQD, P/E N/A, ROIC —, cap $41.7M). 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 $3.42 (0.00% on volume of 34,266 shares), positioning the stock -8.80% below its 50-day simple moving average ($3.75) and -18.57% below its 200-day simple moving average ($4.20). Across its 52-week range of $3.31 to $5.13, LOAN sits at the 6.0% percentile with a 14-day RSI of 38.6 (NEUTRAL RANGE) and an implied next-earnings move of ±5.8% ($3.22 to $3.62).

Direct Sub-Reports: LOAN RQD Cockpit LOAN 12M Forecast LOAN Earnings & Move LOAN Dividends & DRIP LOAN Insiders & 13F LOAN Whale Options LOAN Profit Sankey LOAN News & Why
ROARABLE RATING BRIEF • RQD 55/100 (D+) ✓ SEC XBRL & RQD VERIFIED

LOAN — Manhattan Bridge Capital Inc: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Manhattan Bridge Capital Inc (LOAN) earns a live Roarable RQD composite score of 55/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $3.42 (0.00% 1D, market capitalization $38.8M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 9.3%, gross margin of —, operating margin of 58.8%, and free cash flow yield of 12.59%.
  • Whale 13F & Options Flow (3/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Manhattan Bridge Capital Inc (LOAN) is a NASDAQ-listed issuer classified under the Financials sector and the Real Estate Investment Trusts industry. — for detailed product lines, customer base, or revenue mechanics beyond the financial figures reported below.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Manhattan Bridge Capital Inc (LOAN) reported $8.7M in annual revenue (up from $9.7M in FY2024, -10.6% YoY) and $5.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($9.8M revenue, $5.5M net income) through FY2025, LOAN scaled operating cash flow to $4.9M and free cash flow to $4.9M, backed by $62.4M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 55/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 12.59% and institutional whale pillar of 3/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 3/20, sustained execution supports upside toward the upper end of the $3.31 – $5.13 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 7.7x trailing P/E and 7.7x EV/EBITDA against 58.8% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Real Estate Investment Trusts (Financials), LOAN carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can LOAN sustain or expand its 58.8% operating margin and 9.3% ROIC against Real Estate Investment Trusts peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $8.7M and free cash flow of $4.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is LOAN's 7.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

LOAN Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Manhattan Bridge Capital Inc (LOAN) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to LOAN Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

LOAN Bull vs. Bear Conversation Board — What's Your Call at $3.42?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON LOAN 🐻 33% BEARISH CONVICTION
1. Pick Your Side on LOAN:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $4.45 (+30.1%)
📌 Pinned Debate

Low trailing and forward P/E (7.7 and 7.2) paired with a 12.59% FCF yield and a CEO share purchase of $34,692.

Here is why I am bullish on LOAN here at $3.42: Low trailing and forward P/E (7.7 and 7.2) paired with a 12.59% FCF yield and a CEO share purchase of $34,692.. Compare LOAN's 58.8% operating margin and 9.3% ROIC against the rest of Real Estate Investment Trusts. As long as cash conversion holds up, dips toward $3.25 are getting bought.

CapAlloc_Nerd 🐂 BULL

@CreditSpread_Watch Fair point on 7.7x trailing P/E, but you're ignoring the forward operating leverage in Real Estate Investment Trusts. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $2.67 (-21.9%)
Spot @ $3.42

Institutional flow scores just 3/20 and revenue fell from $9.8M to $8.7M across FY 2023–FY 2025 with a 0% dividend yield.

I respect the product at Manhattan Bridge Capital Inc, but the stock at $3.42 is a different story. Institutional flow scores just 3/20 and revenue fell from $9.8M to $8.7M across FY 2023–FY 2025 with a 0% dividend yield.. FCF yield is 12.59% and RQD sits at 55/100 (D+) — why pay up here when you can wait for next quarter's numbers?

LIVE TAPE SPY $752.10 -1.80% QQQ $681.09 -3.60% DIA $519.34 -1.08% IWM $279.14 -1.68% NVDA $202.06 -1.26% AAPL $338.32 -1.83% MSFT $507.12 -2.83% TSLA $403.82 +1.00% PLTR $178.34 -3.13% SOFI $16.60 -0.95% IBIT $43.35 -5.42% GLD $361.65 -3.59%