Merchants Bancorp(US:MBIN) ZACKS·2026-01-29 01:30Core Insights - Merchants Bancorp (MBIN) reported a revenue of $185.29 million for the quarter ended December 2025, reflecting a decrease of 4.4% year-over-year, while EPS was $1.28 compared to $1.85 in the same quarter last year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $171.87 million by 7.81%, and the EPS surpassed the consensus estimate of $0.94 by 36.17% [1] Financial Performance Metrics - Efficiency Ratio stood at 45.1%, slightly better than the average estimate of 45.6% from three analysts [4] - Net interest margin was reported at 2.9%, above the average estimate of 2.8% from three analysts [4] - Average Earning Assets totaled $18.93 billion, exceeding the average estimate of $18.3 billion from three analysts [4] - Tier I capital/risk-weighted assets Ratio was 13.1%, compared to the estimated 13% by two analysts [4] - Total capital/risk-weighted assets Ratio was 13.6%, slightly below the estimated 13.7% by two analysts [4] - Net Interest Income reached $138.09 million, surpassing the average estimate of $129.39 million from three analysts [4] - Gain on Sale of Loans was $25.73 million, exceeding the average estimate of $24.82 million from three analysts [4] - Total Noninterest Income was reported at $47.2 million, above the average estimate of $42.49 million from three analysts [4] - Other income was $9.76 million, significantly higher than the average estimate of $4.62 million from three analysts [4] Stock Performance - Shares of Merchants Bancorp have returned +4.9% over the past month, outperforming the Zacks S&P 500 composite's +0.8% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]