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During the past 12 months, Merchants Bancorp's average EPS without NRI Growth Rate was 9.50% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -5.40% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 2.80% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 21.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 11 years, the highest 3-Year average EPS without NRI Growth Rate of Merchants Bancorp was 51.10% per year. The lowest was -5.40% per year. And the median was 15.10% per year.
Merchants Bancorp (NAS:MBIN) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Merchants Bancorp 3-Year EPS without NRI Growth Rate Related Terms
MBIN vs SYBT, BUSE, BANR: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Merchants Bancorp's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Merchants Bancorp 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Merchants Bancorp's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Merchants Bancorp's 3-Year EPS without NRI Growth Rate falls into.
Merchants Bancorp 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -5.40% mean?
Merchants Bancorp (MBIN) has a 3-Year EPS without NRI Growth Rate of -5.40% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Merchants Bancorp and its competitors. According to the industry distribution chart, Merchants Bancorp ranks #1143 out of 1402 companies in the Banks industry, placing it in the top 81.5%.
Is Merchants Bancorp's 3-Year EPS without NRI Growth Rate too high?
Merchants Bancorp's current 3-Year EPS without NRI Growth Rate is -5.40%. Based on the distribution chart, Merchants Bancorp ranks #1143 out of 1402 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Merchants Bancorp has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Merchants Bancorp's 3-Year EPS without NRI Growth Rate compare to SYBT and BUSE?
According to the Banks industry distribution chart, Merchants Bancorp ranks #1143 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This places Merchants Bancorp in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Merchants Bancorp and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Merchants Bancorp's current 3-Year EPS without NRI Growth Rate is -5.40%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Merchants Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Merchants Bancorp (MBIN) is currently considered Modestly Overvalued. The stock's GF Value™ is $43.81, compared to a current price of $53.15 — trading 21.3% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -5.40%. Merchants Bancorp's overall GF Score™ is 76/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Merchants Bancorp (MBIN), the current 3-Year EPS without NRI Growth Rate is -5.40% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Merchants Bancorp (MBIN) Overvalued in 2026?
Based on GuruFocus' analysis, Merchants Bancorp stock appears to be overvalued.
The current stock price of $53.15 is trading 21.3% above its estimated GF Value™ of $43.81.
GuruFocus considers Merchants Bancorp to be Modestly Overvalued.
Key valuation signals for MBIN:
3-Year EPS without NRI Growth Rate: -5.40%
GF Value™: $43.81 vs. price of $53.15 (21.3% above fair value)
No single metric tells the full story. See the MBIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Merchants Bancorp is a United States-based bank holding company operating multiple lines of business focused on FHA multi-family housing and healthcare facility financing and servicing, retail and correspondent residential mortgage banking, and traditional community banking. Its segments include Multi-family Mortgage Banking, which originates and services government-sponsored mortgages for multi-family and healthcare facilities; Mortgage Warehousing, which offers mortgage warehouse financing, commercial loans and deposit services; and the Banking segment, which generates maximum revenue and provides portfolio lending for multi-family and healthcare facility loans, residential mortgage banking, agricultural lending, SBA lending and community banking.
76GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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