The Financial Services sector includes twenty industries ranging from Asset Management to 8 kinds of Banks, Credit, Exchanges, 6 kinds of Insurances, Savings, and all such financial concerns.

Today I'm reviewing a credit services company. It's a small cap stock, Manhattan Bridge Capital Inc. It's trading ticker symbol is LOAN. 

Manhattan Bridge Capital Inc originates, services, and manages a portfolio of first mortgage loans. It offers short-term, secured, non-banking loans to real estate investors to fund their acquisition and construction of properties in the New York metropolitan area.

The company's loans are principally secured by collateral consisting of real estate and accompanied by personal guarantees from the principals of the businesses. It qualifies as a real estate investment trust for federal income tax purposes. The company generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. Manhattan Bridge Capital, Inc. was founded in 1989 and is headquartered in Great Neck, New York.

Three key data points measure dividend equities or funds like Manhattan Bridge Capital Inc.: 

(1) Price

(2) Dividends

(3) Returns

After those three, four more keys will unlock an equity or fund in which to invest.

Those first three primary keys, however, best tell whether a company has made, is making, and will make money. 

LOAN Price

Manhattan Bridge's price at yesterday's market close was $6.40 per share.  A year ago its price was $5.70. That is a gain of $0.70 per share in the past year.  

Assuming Manhattan Bridge's price gains at the same pace this year, its price would grow from $6.40 to $7.10 by March 2019.

LOAN Dividends

Manhattan Bridge's most recent quarterly dividend was $0.12 declared February 6, and payable April 16, 2018

The Manhattan Bridge annual dividend for 2018 is estimated at $0.48 to be paid in four quarterly installments in April, July, October, and January.

The yield from that $0.48 annual dividend is 7.5% at yesterday's $6.40 share price. 

Gains For LOAN?

Adding the $0.48 annual dividend to the 0.70 estimated price gain makes a $1.18 projected gross annual gain, which will absorb the cost to trade the shares.  

$1,000.00 invested at yesterday's $6.40 price bought 156 shares. 

The $10 broker fee paid as $5 at purchase and $5 at sale equals about $0.06 per share

Subtracting that $0.06 brokerage cost from the estimated $1.18 gross gain leaves a net gain to next year of $1.12

X 156 shares 

= $174.72

or a 17.5% net gain on a $998.40 investment.

Therefore, Manhattan Bridge Capital Inc. (whose ticker symbol is LOAN), now shows a possible 17.5% net gain including a 7.5% dividend yield. 

Two analysts cover this stock. One rates it a buy. One rates it outperform. The two concede it is a stock to outperform and tag the price to rise to $7.60 in the next year. That is $0.50 more than the year over year target of $7.10.

These forward-looking numbers are conjecture based on past year performance. The actual results remain to be seen. They could turn out to be far higher or lower. More study is required for you to determine if Manhattan Bridge Capital Inc. is worth your time and money.