M MBIN

Merchants Bancorp

$50.11

+1.11% (+$0.55)

Volume 138,372

52W High $51.00

52W Low $28.75

Market Cap $2.29B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$1.25

Whisper EPS

$1.39

11.5% above consensus

Last Quarter

$1.25

Current Streak

6 Beats

Avg Surprise (4Q)

+23.43%

Next Earnings Report

Reports in 42 days

Report Date Jul 27, 2026

Whisper Spread +11.51%

Consensus Estimate

$1.25

Official analyst average

Whisper Number

$1.39

What traders expect

Bullish Sentiment: The whisper number is 11.5% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q1 2026 Apr 28, 2026

1-Day: -9.33%

Q1 2026 Apr 23, 2026

1-Day: -1.51%

5-Day: -0.16%

Q4 2025 Feb 2, 2026

1-Day: -1.38%

Q4 2025 Jan 28, 2026

1-Day: +15.71%

5-Day: +22.00%

Revenue & Financial Performance

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$354.7M	-6.6%	44.4%	20.8%	$67.8M
Q3'25	$343.5M	-3.1%	40.9%	18.8%	$54.7M
Q2'25	$353.7M	-1.4%	35.4%	13.8%	$38.0M
Q1'25	$310.1M	-12.4%	44.3%	24.7%	$58.2M
Q4'24	$379.8M	+9.9%	50.1%	33.7%	$95.7M
Q3'24	$354.6M	+6.9%	39.9%	22.9%	$61.3M
Q2'24	$358.6M	+24.9%	41.4%	27.6%	$76.4M
Q1'24	$354.1M	+57.6%	45.8%	32.3%	$87.1M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q1 2026	Apr 28, 2026	$1.16	$1.06	$1.25	+7.76%	Beat
Q1 2026	Apr 23, 2026	$1.10	$1.08	$1.25	+13.64%	Beat
Q4 2025	Feb 2, 2026	$0.94	$0.92	$1.28	+36.17%	Beat
Q4 2025	Jan 28, 2026	$0.94	$0.89	$1.28	+36.17%	Beat
Q3 2025	Oct 28, 2025	$0.79	$0.88	$0.97	+22.78%	Beat
Q3 2025	Oct 27, 2025	$0.89	$0.85	$0.97	+8.99%	Beat
Q2 2025	Jul 28, 2025	$1.12	$1.11	$0.60	-46.43%	Missed
Q1 2025	Apr 28, 2025	$1.28	$1.36	$0.93	-27.34%	Missed
Q4 2024	Jan 28, 2025	$1.30	$1.32	$1.85	+42.31%	Beat
Q3 2024	Oct 28, 2024	$1.42	$1.53	$1.17	-17.61%	Missed
Q2 2024	Jul 29, 2024	$1.57	$1.71	$1.49	-5.10%	Missed
Q1 2024	Apr 29, 2024	$1.38	$1.46	$1.80	+30.43%	Beat