WallStSmart

Manhattan Bridge Capital Inc (LOAN)vsSBA Communications Corp (SBAC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

SBA Communications Corp generates 41342% more annual revenue ($2.82B vs $6.79M). LOAN leads profitability with a 73.8% profit margin vs 37.4%. LOAN trades at a lower P/E of 10.0x. SBAC earns a higher WallStSmart Score of 54/100 (C-).

LOAN

Hold

45

out of 100

Grade: D+

Growth: 2.7Profit: 8.0Value: 6.3Quality: 6.5
Piotroski: 6/9Altman Z: 2.65

SBAC

Buy

54

out of 100

Grade: C-

Growth: 6.0Profit: 8.0Value: 4.7Quality: 3.8
Piotroski: 4/9Altman Z: -0.14
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LOANOvervalued (-11.1%)

Margin of Safety

-11.1%

Fair Value

$4.07

Current Price

$4.33

$0.26 premium

UndervaluedFair: $4.07Overvalued
SBACUndervalued (+12.1%)

Margin of Safety

+12.1%

Fair Value

$217.30

Current Price

$215.97

$1.33 discount

UndervaluedFair: $217.30Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LOAN4 strengths · Avg: 10.0/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
73.8%10/10

Keeps 74 of every $100 in revenue as profit

Operating MarginProfitability
74.5%10/10

Strong operational efficiency at 74.5%

SBAC3 strengths · Avg: 10.0/10
Profit MarginProfitability
37.4%10/10

Keeps 37 of every $100 in revenue as profit

Operating MarginProfitability
52.4%10/10

Strong operational efficiency at 52.4%

EPS GrowthGrowth
115.6%10/10

Earnings expanding 115.6% YoY

Areas to Watch

LOAN3 concerns · Avg: 2.3/10
Market CapQuality
$50.29M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-6.5%2/10

Revenue declined 6.5%

EPS GrowthGrowth
-8.3%2/10

Earnings declined 8.3%

SBAC4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
3.7%4/10

3.7% revenue growth

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

PEG RatioValuation
4.892/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.142/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : LOAN

The strongest argument for LOAN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 73.8% and operating margin at 74.5%.

Bull Case : SBAC

The strongest argument for SBAC centers on Profit Margin, Operating Margin, EPS Growth. Profitability is solid with margins at 37.4% and operating margin at 52.4%.

Bear Case : LOAN

The primary concerns for LOAN are Market Cap, Revenue Growth, EPS Growth.

Bear Case : SBAC

The primary concerns for SBAC are Revenue Growth, Return on Equity, PEG Ratio.

Key Dynamics to Monitor

LOAN profiles as a declining stock while SBAC is a value play — different risk/reward profiles.

SBAC carries more volatility with a beta of 0.88 — expect wider price swings.

SBAC is growing revenue faster at 3.7% — sustainability is the question.

SBAC generates stronger free cash flow (241M), providing more financial flexibility.

Bottom Line

SBAC scores higher overall (54/100 vs 45/100), backed by strong 37.4% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Manhattan Bridge Capital Inc

REAL ESTATE · REIT - MORTGAGE · USA

Manhattan Bridge Capital, Inc., a real estate financing company, originates, services, and manages a portfolio of initial home loans in the United States. The company is headquartered in Great Neck, New York.

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SBA Communications Corp

REAL ESTATE · REIT - SPECIALTY · USA

SBA Communications Corporation is a real estate investment trust which owns and operates wireless infrastructure in the United States, Canada, Central America, South America, and South Africa.

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