Symbols / MBNKO Stock $25.73 -0.39% Medallion Bank

Financial Services • Banks - Regional • United States • NCM
MBNKO (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Donald S. Poulton
Exch · Country NCM · United States
Market Cap —
Enterprise Value 28.62M
Income 59.89M
Sales 155.05M
FCF (ttm) —
Book/sh 350.74
Cash/sh 147.45
Employees —
Insider 10d —
IPO May 21, 2025
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout —
P/E —
Forward P/E —
PEG —
P/S —
P/B 0.07
P/C —
EV/EBITDA —
EV/Sales 0.18
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) —
EPS next Y —
EPS Growth 78.90%
Revenue Growth 26.70%
EPS Gr Q/Q 24.50%
Rev Gr Q/Q —
Earnings (next) —
Earnings (prior) —
ROA 2.79%
ROE 17.34%
ROIC —
Gross Margin 0.00%
Oper. Margin 65.05%
Profit Margin 46.56%
Shs Outstand —
Shs Float —
Insider Own 0.00%
Instit Own 13.74%
Short Float —
Short Ratio 1.54
Short Interest 4.11K
52W High 28.00
vs 52W High -8.11%
52W Low 23.61
vs 52W Low 8.98%
Beta —
Impl. Vol. —
Rel Volume 0.32
Avg Volume 5.54K
Volume 1.76K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $25.83
Price $25.73
Change -0.39%
About

Medallion Bank, an industrial bank, originates consumer loans, raises deposits, and conducts other banking activities to individuals and businesses in the United States. It offers consumer loans through dealers and financial service providers (FSPs) for the purchase of recreation products, such as recreational vehicles and boats; loans through contractors and FSPs for the purchase of home improvements, such as replacement windows and roofs; and loan origination services to fintech partners. The company was incorporated in 2002 and is based in Salt Lake City, Utah. Medallion Bank operates as a subsidiary of Medallion Financial Corp.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$25.73
Latest analyst target
3. DCF / Fair value
—
Simplified FCF or EPS-based estimate
Ratings
Current target
$25.73
Low
—
High
—
Mean
—
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2025-11-06 JOHN LAWRENCE RICHARDS Director — 100 $25.00 $2,500
2025-08-27 JOHN LAWRENCE RICHARDS Director — 200 $25.40 $5,080
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
236.26
+14.22%
206.84
+8.30%
190.98
+15.57%
165.26
Operating Revenue
236.26
+14.22%
206.84
+8.30%
190.98
+15.57%
165.26
Selling General And Administration
22.15
+8.90%
20.34
+5.15%
19.34
+28.22%
15.09
Selling And Marketing Expense
0.34
-3.65%
0.36
+3.79%
0.34
—
General And Administrative Expense
21.81
+9.13%
19.98
+5.18%
19.00
+25.95%
15.09
Salaries And Wages
21.81
+9.13%
19.98
+5.18%
19.00
+25.95%
15.09
Reconciled Depreciation
14.18
+15.25%
12.30
+9.73%
11.21
+4.54%
10.72
Total Unusual Items
7.58
0.00
0.00
+100.00%
-0.58
Total Unusual Items Excluding Goodwill
7.58
0.00
0.00
+100.00%
-0.58
Special Income Charges
—
—
-0.37
+35.91%
-0.58
Write Off
—
—
0.37
-35.91%
0.58
Net Income
72.19
+19.15%
60.58
-24.13%
79.85
+6.99%
74.64
Pretax Income
99.36
+22.35%
81.21
-24.20%
107.13
+7.11%
100.02
Net Interest Income
217.91
+6.45%
204.71
+8.38%
188.88
+14.75%
164.60
Interest Expense
80.36
+13.98%
70.51
+47.55%
47.78
+110.81%
22.67
Interest Income
298.28
+8.38%
275.22
+16.29%
236.67
+26.38%
187.27
Tax Provision
27.17
+31.75%
20.62
-24.40%
27.28
+7.46%
25.39
Tax Rate For Calcs
0.00
+7.49%
0.00
-0.26%
0.00
+0.33%
0.00
Tax Effect Of Unusual Items
2.07
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
72.19
+19.15%
60.58
-24.13%
79.85
+6.99%
74.64
Net Income From Continuing Operation Net Minority Interest
72.19
+19.15%
60.58
-24.13%
79.85
+6.99%
74.64
Net Income From Continuing And Discontinued Operation
72.19
+19.15%
60.58
-24.13%
79.85
+6.99%
74.64
Net Income Continuous Operations
72.19
+19.15%
60.58
-24.13%
79.85
+6.99%
74.64
Normalized Income
66.67
+10.06%
60.58
-24.13%
79.85
+6.99%
74.64
Net Income Common Stockholders
59.89
+9.82%
54.53
-26.11%
73.81
+7.60%
68.59
Otherunder Preferred Stock Dividend
3.52
—
—
—
Diluted NI Availto Com Stockholders
59.89
+9.82%
54.53
-26.11%
73.81
+7.60%
68.59
Depreciation Amortization Depletion Income Statement
2.34
+298.47%
0.59
+114.23%
0.27
—
Depreciation And Amortization In Income Statement
2.34
+298.47%
0.59
+114.23%
0.27
—
Occupancy And Equipment
0.64
+11.03%
0.58
+4.32%
0.56
-29.89%
0.79
Other Non Interest Expense
28.19
+6.02%
26.59
+6.46%
24.98
+9.11%
22.89
Preferred Stock Dividends
8.78
+45.23%
6.05
+0.00%
6.05
+0.00%
6.05
Professional Expense And Contract Services Expense
2.37
+39.61%
1.69
-24.48%
2.24
+27.88%
1.75
Line Item Trend 2025-12-31 2024-12-31
Total Assets
2,615.44
+2.60%
2,549.10
Cash And Cash Equivalents
0.95
+36.35%
0.70
Other Short Term Investments
2.42
-95.59%
54.80
Receivables
19.27
+27.73%
15.08
Accounts Receivable
19.27
+27.73%
15.08
Net PPE
8.56
-6.17%
9.13
Gross PPE
12.32
+16.83%
10.55
Accumulated Depreciation
-3.76
-164.53%
-1.42
Machinery Furniture Equipment
7.63
+3.35%
7.38
Other Properties
4.51
+50.84%
2.99
Leases
0.19
+5.03%
0.18
Investments And Advances
60.18
+9.81%
54.80
Total Liabilities Net Minority Interest
2,165.27
-0.07%
2,166.72
Payables And Accrued Expenses
19.63
-19.71%
24.45
Payables
19.63
-19.71%
24.45
Accounts Payable
3.49
-37.56%
5.59
Total Tax Payable
15.23
-15.16%
17.95
Income Tax Payable
15.23
-15.16%
17.95
Long Term Debt And Capital Lease Obligation
3.90
+56.00%
2.50
Long Term Capital Lease Obligation
3.90
+56.00%
2.50
Stockholders Equity
450.17
+17.73%
382.38
Common Stock Equity
350.74
+11.85%
313.59
Capital Stock
100.43
+43.91%
69.79
Common Stock
1.00
+0.00%
1.00
Preferred Stock
99.43
+44.54%
68.79
Share Issued
1.00
+0.00%
1.00
Ordinary Shares Number
1.00
+0.00%
1.00
Additional Paid In Capital
77.50
+0.00%
77.50
Retained Earnings
275.46
+14.98%
239.57
Gains Losses Not Affecting Retained Earnings
-3.21
+28.26%
-4.48
Total Equity Gross Minority Interest
450.17
+17.73%
382.38
Total Debt
3.90
+56.00%
2.50
Capital Lease Obligations
3.90
+56.00%
2.50
Net Tangible Assets
450.17
+17.73%
382.38
Tangible Book Value
350.74
+11.85%
313.59
Available For Sale Securities
57.77
+11.36%
51.88
Cash Cash Equivalents And Federal Funds Sold
147.45
+16.84%
126.20
Preferred Stock Equity
99.43
+44.54%
68.79
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
154.03
+13.67%
135.50
+10.28%
122.88
+4.36%
117.74
Cash Flow From Continuing Operating Activities
154.03
+13.67%
135.50
+10.28%
122.88
+4.36%
117.74
Net Income From Continuing Operations
72.19
+19.15%
60.58
-24.13%
79.85
+6.99%
74.64
Depreciation Amortization Depletion
14.18
+15.25%
12.30
+9.73%
11.21
+4.54%
10.72
Depreciation And Amortization
14.18
+15.25%
12.30
+9.73%
11.21
+4.54%
10.72
Other Non Cash Items
-3.34
+51.13%
-6.83
-36057.89%
0.02
—
Asset Impairment Charge
0.00
-100.00%
0.01
-98.63%
0.66
-20.41%
0.83
Deferred Tax
-0.81
+37.40%
-1.29
-762.67%
-0.15
-475.00%
0.04
Deferred Income Tax
-0.81
+37.40%
-1.29
-762.67%
-0.15
-475.00%
0.04
Operating Gains Losses
-1.30
—
—
—
Unrealized Gain Loss On Investment Securities
-0.06
-429.41%
0.02
+170.83%
-0.02
-110.62%
0.23
Change In Working Capital
-8.04
-56.84%
-5.12
+0.41%
-5.14
-178.18%
6.58
Change In Receivables
-4.18
-154.38%
-1.64
-83.07%
-0.90
+55.92%
-2.04
Changes In Account Receivables
-4.18
-154.38%
-1.64
-83.07%
-0.90
+55.92%
-2.04
Change In Payables And Accrued Expense
-4.82
-181.87%
-1.71
-405.92%
-0.34
-104.09%
8.26
Change In Payable
-4.82
-181.87%
-1.71
-405.92%
-0.34
-104.09%
8.26
Change In Account Payable
-2.10
-234.75%
1.56
-3.17%
1.61
+34.67%
1.19
Change In Other Current Assets
8.18
+521.65%
-1.94
+82.58%
-11.13
-491.60%
-1.88
Change In Other Current Liabilities
-7.21
-4318.13%
0.17
-97.63%
7.23
+222.01%
2.24
Investing Cash Flow
-136.31
+60.80%
-347.78
-8.55%
-320.40
+26.49%
-435.86
Cash Flow From Continuing Investing Activities
-136.31
+60.80%
-347.78
-8.55%
-320.40
+26.49%
-435.86
Net PPE Purchase And Sale
-0.40
+80.66%
-2.05
+4.52%
-2.15
-10.68%
-1.94
Purchase Of PPE
-0.40
+80.66%
-2.05
+4.52%
-2.15
-10.68%
-1.94
Capital Expenditure
-0.40
+80.66%
-2.05
+4.52%
-2.15
-10.68%
-1.94
Net Investment Purchase And Sale
-3.66
-646.12%
-0.49
+92.23%
-6.30
+36.12%
-9.87
Purchase Of Investment
-12.55
-102.03%
-6.21
+30.55%
-8.95
+49.94%
-17.87
Sale Of Investment
8.89
+55.44%
5.72
+116.58%
2.64
-66.98%
8.00
Net Other Investing Changes
10.10
+2.49%
9.85
-36.10%
15.42
+1.49%
15.19
Financing Cash Flow
3.54
-98.45%
228.43
-2.17%
233.49
-29.42%
330.79
Cash Flow From Continuing Financing Activities
3.54
-98.45%
228.43
-2.17%
233.49
-29.42%
330.79
Net Issuance Payments Of Debt
—
-789.75
-26.00%
-626.78
-30.13%
-481.65
Repayment Of Debt
—
-789.75
-26.00%
-626.78
-30.13%
-481.65
Long Term Debt Payments
—
-789.75
-26.00%
-626.78
-30.13%
-481.65
Net Long Term Debt Issuance
—
-789.75
-26.00%
-626.78
-30.13%
-481.65
Common Stock Dividend Paid
-24.00
+0.00%
-24.00
-20.00%
-20.00
+0.00%
-20.00
Cash Dividends Paid
-32.78
-9.10%
-30.05
-15.36%
-26.05
+0.00%
-26.05
Repurchase Of Capital Stock
-46.00
0.00
0.00
—
Net Other Financing Charges
0.00
-98.36%
0.06
+569.23%
-0.01
+70.45%
-0.04
Changes In Cash
21.25
+31.57%
16.15
-55.09%
35.97
+183.73%
12.68
Beginning Cash Position
126.20
+14.68%
110.04
+48.55%
74.08
+20.64%
61.40
End Cash Position
147.45
+16.84%
126.20
+14.68%
110.04
+48.55%
74.08
Free Cash Flow
153.63
+15.12%
133.46
+10.54%
120.73
+4.26%
115.80
Interest Paid Supplemental Data
82.46
+19.59%
68.95
+59.15%
43.33
+119.13%
19.77
Income Tax Paid Supplemental Data
30.70
+21.92%
25.18
-14.27%
29.38
+248.29%
8.43
Change In Income Tax Payable
-2.72
+16.68%
-3.27
-67.88%
-1.95
-127.56%
7.06
Change In Tax Payable
-2.72
+16.68%
-3.27
-67.88%
-1.95
-127.56%
7.06
Issuance Of Capital Stock
73.13
0.00
0.00
—
Net Preferred Stock Issuance
27.13
0.00
0.00
—
Preferred Stock Dividend Paid
-8.78
-45.23%
-6.05
+0.00%
-6.05
+0.00%
-6.05
Preferred Stock Issuance
73.13
0.00
0.00
—
Preferred Stock Payments
-46.00
0.00
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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