WallStSmart

Manhattan Bridge Capital Inc (LOAN)vsAT&T Inc. 5.35% GLB NTS 66 (TBB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

LOAN leads profitability with a 72.1% profit margin vs 0.0%. TBB trades at a lower P/E of 3.8x. LOAN earns a higher WallStSmart Score of 45/100 (D+).

LOAN

Hold

45

out of 100

Grade: D+

Growth: 2.7Profit: 8.0Value: 6.7Quality: 7.5
Piotroski: 4/9Altman Z: 1.76

TBB

Avoid

25

out of 100

Grade: F

Growth: 4.0Profit: 5.0Value: 6.7Quality: 3.5
Piotroski: 5/9Altman Z: 0.87

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LOAN4 strengths · Avg: 10.0/10
P/E RatioValuation
9.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
72.1%10/10

Keeps 72 of every $100 in revenue as profit

Operating MarginProfitability
69.8%10/10

Strong operational efficiency at 69.8%

TBB3 strengths · Avg: 9.0/10
P/E RatioValuation
3.8x10/10

Attractively priced relative to earnings

Market CapQuality
$132.56B9/10

Large-cap with strong market position

Free Cash FlowQuality
$5.17B8/10

Generating 5.2B in free cash flow

Areas to Watch

LOAN4 concerns · Avg: 2.8/10
Altman Z-ScoreHealth
1.764/10

Distress zone — elevated risk

Market CapQuality
$46.84M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-11.0%2/10

Revenue declined 11.0%

EPS GrowthGrowth
-16.7%2/10

Earnings declined 16.7%

TBB4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

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 72.1% and operating margin at 69.8%.

Bull Case : TBB

The strongest argument for TBB centers on P/E Ratio, Market Cap, Free Cash Flow.

Bear Case : LOAN

The primary concerns for LOAN are Altman Z-Score, Market Cap, Revenue Growth.

Bear Case : TBB

The primary concerns for TBB are Revenue Growth, EPS Growth, Profit Margin.

Key Dynamics to Monitor

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

TBB is growing revenue faster at 0.0% — sustainability is the question.

TBB generates stronger free cash flow (5.2B), providing more financial flexibility.

Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

LOAN scores higher overall (45/100 vs 25/100), backed by strong 72.1% margins. Both earn "Hold" and "Avoid" 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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AT&T Inc. 5.35% GLB NTS 66

REAL ESTATE · REIT - RESIDENTIAL · USA

AT&T Inc. provides digital entertainment communications and services. The company is headquartered in Dallas, Texas.

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