Mercantile Bank Corporation logo MBWM - Mercantile Bank Corporation

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 5
HOLD 2
SELL 0
STRONG
SELL
0
| PRICE TARGET: $57.00 DETAILS
HIGH: $57.00
LOW: $57.00
MEDIAN: $57.00
CONSENSUS: $57.00
UPSIDE: 9.20%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Revenue
Revenue 371.8 361.9 303.5 213.9 198.7 193.5 185.3 161.0 144.5 139.5 128.4 99.1 65.1 67.9 78.4 97.4 112.5 128.4 150.1 142.5 107.8 73.3 59.0 50.7 46.5 38.0 23.7 8.7
Cost of Revenue 133.7 137.8 85.5 30.1 15.1 40.1 35.6 23.0 18.7 15.5 10.2 8.3 3.6 10.1 26.7 63.6 112.6 96.1 99.7 81.4 50.6 31.3 27.1 27.0 30.6 26.4 15.4 8.2
Gross Profit 238.1 224.1 218.0 183.8 183.5 153.4 149.7 138.0 125.8 124.0 118.2 90.8 61.5 57.8 51.6 33.8 (0.1) 32.3 50.4 61.1 57.2 42.1 31.9 23.7 15.9 11.6 8.3 0.5
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 110.3 82.0 72.6 67.8 69.4 62.2 64.7 62.0 56.2 54.3 53.4 42.1 25.6 24.9 24.2 37.0 29.7 25.4 23.5 19.6 19.2 14.4 11.7 8.1 6.0 4.5 3.5 0
Other Expenses 25.6 43.8 42.7 40.2 40.4 36.3 24.5 24.1 23.5 22.8 26.0 23.5 10.8 14.7 17.3 10.1 16.8 16.7 14.9 12.7 11.9 8.8 6.4 4.7 3.5 3.0 2.4 1.6
Operating Expenses 136.0 125.8 115.3 108.0 109.8 98.5 89.3 86.2 79.7 77.1 79.4 65.6 36.4 39.6 41.5 47.2 46.5 42.1 38.4 32.3 31.1 23.2 18.1 12.8 9.5 7.5 5.9 1.6
Operating Income
Operating Income 102.1 98.3 102.7 75.8 73.7 54.8 60.5 51.8 46.1 46.9 38.8 25.2 25.1 18.2 10.1 (13.4) (46.6) (9.8) 12.0 28.8 26.0 18.9 13.8 10.9 6.5 4.1 2.4 (1.1)
Interest Expense 129.2 130.4 77.8 23.6 19.4 26.1 33.8 21.9 15.8 12.6 11.2 11.3 10.8 13.2 19.8 31.8 53.6 74.9 88.6 75.7 46.8 26.6 23.3 24.0 28.2 24.6 13.4 5.6
Interest Income 330.2 321.5 271.4 181.8 143.5 148.3 158.3 142.0 125.5 118.5 112.3 89.1 58.2 59.9 71.1 88.1 104.9 121.1 144.2 137.3 102.1 69.0 54.7 47.6 44.6 36.8 22.8 10.2
Profitability
EBITDA 106.5 108.8 114.2 88.7 87.4 64.3 70.0 61.6 56.4 56.5 50.5 32.8 27.3 20.4 12.3 (10.9) (44.0) (7.1) 15.1 31.7 28.6 20.6 15.7 12.3 7.1 4.7 2.9 (1.1)
EBIT 102.1 98.3 102.7 75.8 73.7 54.8 60.5 51.8 46.1 46.9 38.8 25.2 25.1 18.2 10.1 (13.4) (46.6) (9.8) 12.0 28.8 26.0 18.9 13.8 10.9 6.5 4.1 2.4 (1.1)
Income Before Tax 102.1 98.3 102.7 75.8 73.7 54.8 60.5 51.8 46.1 46.9 38.8 25.2 25.1 18.2 10.1 (13.4) (46.6) (9.8) 12.0 28.8 26.0 18.9 13.8 10.9 6.5 4.1 2.4 (1.1)
Income Tax Expense 13.3 18.7 20.5 14.7 14.7 10.7 11.0 9.8 14.8 15.0 11.8 7.9 8.1 5.6 (27.4) (0.0) 5.5 (4.9) 3.0 9.0 8.1 5.1 3.8 3.2 2.0 1.3 0.3 0
Net Income 88.8 79.6 82.2 61.1 59.0 44.1 49.5 42.0 31.3 31.9 27.0 17.3 17.0 12.5 37.5 (13.3) (52.1) (5.0) 9.0 19.8 17.9 13.7 10.0 7.8 4.5 2.8 2.1 (1.1)
Per Share Data
EPS (Basic) 5.46 4.93 5.13 3.85 3.69 2.71 3.01 2.53 1.90 1.96 1.63 1.28 1.96 1.33 4.20 -1.72 -6.23 -0.59 1.06 2.25 1.94 1.57 1.36 1.12 0.83 0.73 0.58 -0.36
EPS (Diluted) 5.46 4.93 5.13 3.85 3.69 2.71 3.01 2.53 1.90 1.96 1.62 1.28 1.95 1.30 4.07 -1.72 -6.23 -0.59 1.06 2.22 1.90 1.54 1.32 1.10 0.82 0.72 0.57 -0.36
Shares Outstanding 16.3 16.1 16.0 15.9 16.0 16.3 16.4 16.6 16.5 16.3 16.6 13.5 8.7 8.6 8.6 8.5 8.5 8.5 8.5 8.8 9.2 8.7 7.4 6.9 5.4 3.8 3.7 3.1
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998
Current Assets
Cash & Cash Equivalents 473.3 393.0 130.5 96.8 975.2 626.0 233.7 75.4 200.1 183.6 18.9 16.8 20.7 16.3 23.4 14.5 11.7 13.7 6.5
Short-Term Investments 1,102.2 730.4 617.1 602.9 592.7 387.3 334.7 337.4 335.7 328.1 1.5 0 0 0 0 0 0 0 0
Net Receivables 0 0 0 0 0 0 0 0 0 0 7.1 8.5 5.6 4.1 3.3 2.8 2.8 1.8 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0.1 0 0 0 0 0 0 207.7
Total Current Assets 1,575.6 1,123.4 747.6 699.7 1,567.9 1,013.4 568.4 412.7 535.8 511.7 27.5 25.4 26.3 20.4 26.7 17.3 14.5 15.5 214.2
Non-Current Assets
Property, Plant & Equipment 62.5 53.4 50.9 51.5 57.3 59.0 57.3 48.3 46.0 45.5 29.7 32.3 24.6 15.3 12.2 9.6 4.1 3.5 1.9
Goodwill 72.7 49.5 49.5 49.5 49.5 49.5 49.5 49.5 49.5 49.5 0 0 0 0 0 0 0 0 0
Intangible Assets 20.4 0 11.3 0.6 1.4 2.4 3.8 5.6 7.6 10.0 0 0 0 0 0 0 0 0 0.1
Long-Term Investments 4,763.7 4,562.2 4,272.5 3,877.9 3,434.2 3,178.4 2,832.8 2,730.7 2,539.1 2,360.7 1,733.6 2,056.9 1,445.6 1,138.4 857.0 657.7 483.3 344.6 0
Other Non-Current Assets 340.5 263.7 221.4 193.4 147.5 134.7 121.1 117.1 108.7 105.4 115.4 93.4 39.6 29.3 26.0 14.1 10.9 4.4 0
Total Non-Current Assets 5,259.7 4,928.8 4,605.6 4,172.9 3,689.8 3,424.0 3,064.5 2,951.2 2,750.9 2,570.9 1,878.8 2,182.6 1,509.8 1,182.9 895.1 681.4 498.3 352.5 2
Total Assets 6,835.2 6,052.2 5,353.2 4,872.6 5,257.7 4,437.3 3,632.9 3,363.9 3,286.7 3,082.6 1,906.2 2,208.0 1,536.1 1,202.8 921.9 698.7 512.7 368 216.2
Current Liabilities
Account Payables 0 0 0 78.2 24.6 24.3 22.4 25.2 14.2 15.2 0 0 0 0 0 0 0 0 0.5
Short-Term Debt 232.3 121.5 229.7 194.3 197.5 118.4 102.7 103.5 118.7 131.7 2.6 94.4 191.3 145.5 65.3 0 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 5,284.5 4,698.4 3,900.9 3,712.8 4,083.2 3,411.6 2,690.4 2,463.7 2,522.4 2,375.0 1,401.6 1,599.6 1,159.2 902.9 754.1 569.1 425.7 294.8 189
Total Current Liabilities 5,516.7 4,819.9 4,130.7 3,985.4 4,305.3 3,554.2 2,815.5 2,592.5 2,655.3 2,521.9 1,411.5 1,711.1 1,350.5 1,048.4 819.4 569.1 425.7 294.8 189.5
Non-Current Liabilities
Long-Term Debt 593.6 526.7 606.5 445.8 495.9 441.6 400.9 396.2 265.5 219.8 254.9 322.5 34.6 17.6 0.6 16 16.1 16 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 0 121.0 93.9 0 0 0 0 0 0 0 99.8 (252.5) 9.4 7.1 22.0 42.1 39.1 29.2 17.5
Total Non-Current Liabilities 593.6 647.7 700.4 445.8 495.9 441.6 400.9 396.2 265.5 219.8 354.6 322.5 44.0 24.7 22.6 58.1 55.2 45.2 0
Total Liabilities 6,110.3 5,467.6 4,831.1 4,431.2 4,801.2 3,995.8 3,216.4 2,988.7 2,920.8 2,741.8 1,766.1 2,033.6 1,394.5 1,072.6 842.0 627.2 480.9 340 189.5
Stockholders' Equity
Common Stock 349.4 299.7 295.1 290.4 285.8 302.0 305.0 308.0 309.8 305.5 0 0 131.0 118.6 75.5 69.4 29.9 28.2 28.2
Retained Earnings 399.4 334.6 277.5 216.3 174.5 134.0 107.8 75.5 61.0 40.9 (54.2) (1.3) 10.5 11.4 3.2 1.6 1.6 0.6 (1.5)
Accumulated Other Comprehensive Income (24.0) (49.8) (50.5) (65.3) (3.7) 5.5 3.7 (8.2) (4.9) (5.6) 0.9 3.3 0.1 0.2 1.1 0.4 0.3 (0.8) (0.2)
Total Stockholders' Equity 724.9 584.5 522.1 441.4 456.6 441.6 416.6 375.2 365.9 340.8 140.1 174.4 141.6 130.2 79.8 71.5 31.9 28 26.7
Total Liabilities & Equity 6,835.2 6,052.2 5,353.2 4,872.6 5,257.7 4,437.3 3,632.9 3,363.9 3,286.7 3,082.6 1,906.2 2,208.0 1,536.1 1,202.8 921.9 698.7 512.7 368 216.2
Debt Metrics
Total Debt 825.9 648.2 836.3 640.2 693.4 559.9 503.6 499.7 384.3 351.5 257.5 416.9 225.9 163.2 65.9 16 16.1 16 17
Net Debt 352.6 255.2 705.7 543.4 (281.8) (66.1) 269.8 424.4 184.2 167.9 238.6 400.2 205.3 146.8 42.5 1.5 4.4 2.3 10.5
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998
Operating Activities
Net Income 88.8 79.6 82.2 61.1 59.0 44.1 49.5 42.0 31.3 31.9 17.9 13.7 10.0 7.8 4.5 2.8 2.1 (1.1)
Depreciation & Amortization 5.8 10.5 11.5 12.9 13.7 9.4 9.6 9.8 10.4 9.6 2.6 1.7 1.9 1.4 0.7 0.6 0.5 0.3
Stock-Based Compensation 3.5 3.3 3.4 3.4 3.8 2.3 2.9 2.4 2.0 1.5 0 0 0 0 0 0 0 0
Change in Working Capital (81.2) 0.5 (20.3) 25.9 (14.6) (9.9) (10.5) 7.7 (2.4) (1.6) 4.6 (0.7) (1.8) (1.8) (2.9) 2.6 (1.5) (189.5)
Other Non-Cash Items (0.9) 7.6 (8.2) 17.9 0.7 (3.9) (6.7) 0.2 (3.4) (6.0) 2.1 3.6 3.5 2.7 2.2 2.1 2 190.8
Operating Cash Flow 18.0 101.1 66.6 119.9 64.6 37.9 44.8 61.7 38.7 34.6 26.1 18.3 13.6 10.0 4.4 8.0 3.1 0.4
Investing Activities
Capital Expenditure (6.8) (8.5) (6.7) (3.0) (5.6) (9.0) (13.5) (6.3) (5.4) (2.0) (7.7) (10.5) (4.3) (3.5) (6.0) (1.1) (1.9) (1.1)
Acquisitions 53.6 0 0 0 (2.7) 0 0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (203.4) (173.6) (19.9) (107.0) (298.7) (369.7) (62.1) (48.7) (67.0) (164.3) (49.2) (65.0) (72.7) (52.9) (50.1) (27.3) (25.7) 0
Sales/Maturities of Investments 67.3 61.8 24.1 18.0 80.4 321.2 79.5 40.3 60.1 172.4 18.3 33.4 46.6 35.7 32.2 10.2 6.5 0
Other Investing Activities (16.5) (305.1) (393.4) (463.0) (268.9) (341.3) (96.7) (195.8) (179.1) (102.6) (250.1) (288.7) (265.5) (195.4) (161.5) (121.9) (123.3) (193.0)
Investing Cash Flow (105.7) (425.4) (395.9) (555.0) (495.5) (398.8) (92.8) (210.5) (191.5) (96.6) (288.7) (330.9) (295.9) (216.0) (185.4) (140.1) (144.4) (194.1)
Financing Activities
Net Debt Issuance (30.9) (80.8) 159.6 (51.1) 53.6 40 4 130 45 107 21.2 62.8 80.7 29.2 4.5 0.0 16 0
Stock Repurchased 0 0 0 0 (21.4) (6.6) (7.2) (5.9) 0 (3.7) 0 (0.0) 0 0 0 0 0 14.3
Dividends Paid (24.0) (22.5) (21.0) (19.6) (18.5) (17.9) (17.1) (27.5) (12.0) (18.7) (3.2) (2.6) (1.8) (0.0) 0 0 0 0
Other Financing Activities 222.0 689.3 223.5 (373.4) 765.5 736.9 226.0 (73.7) 134.8 77.6 260.4 256.5 148.8 185.0 143.3 136.5 132.4 193.0
Financing Cash Flow 168.0 586.8 363.1 (443.3) 780.1 753.2 206.4 24.0 169.3 155.7 278.5 316.8 270.7 214.2 182.9 136.5 148.4 193.0
Cash Position
Net Change in Cash 80.3 262.5 33.8 (878.4) 349.2 392.3 158.4 (124.7) 16.5 93.7 15.9 4.2 (11.6) 8.2 1.8 4.5 7.2 (0.7)
Cash at Beginning 393.0 130.5 96.8 975.2 626.0 233.7 75.4 200.1 183.6 89.9 20.8 16.6 28.1 19.9 18.1 13.7 6.5 0
Cash at End 473.3 393.0 130.5 96.8 975.2 626.0 233.7 75.4 200.1 183.6 36.8 20.8 16.6 28.1 19.9 18.1 13.7 (0.7)
Free Cash Flow 11.2 92.6 59.9 116.8 59.0 28.9 31.3 55.4 33.2 32.6 18.4 7.8 9.3 6.5 (1.6) 6.9 1.2 (0.7)
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Income Statement
Revenue 371.8 361.9 303.5 213.9 198.7 193.5 185.3 161.0 144.5 139.5 128.4 99.1 65.1 67.9 78.4 97.4 112.5 128.4 150.1 142.5 107.8 73.3 59.0 50.7 46.5 38.0 23.7 8.7
Gross Profit 238.1 224.1 218.0 183.8 183.5 153.4 149.7 138.0 125.8 124.0 118.2 90.8 61.5 57.8 51.6 33.8 (0.1) 32.3 50.4 61.1 57.2 42.1 31.9 23.7 15.9 11.6 8.3 0.5
Operating Income 102.1 98.3 102.7 75.8 73.7 54.8 60.5 51.8 46.1 46.9 38.8 25.2 25.1 18.2 10.1 (13.4) (46.6) (9.8) 12.0 28.8 26.0 18.9 13.8 10.9 6.5 4.1 2.4 (1.1)
Net Income 88.8 79.6 82.2 61.1 59.0 44.1 49.5 42.0 31.3 31.9 27.0 17.3 17.0 12.5 37.5 (13.3) (52.1) (5.0) 9.0 19.8 17.9 13.7 10.0 7.8 4.5 2.8 2.1 (1.1)
EPS (Diluted) 5.46 4.93 5.13 3.85 3.69 2.71 3.01 2.53 1.90 1.96 1.62 1.28 1.95 1.30 4.07 -1.72 -6.23 -0.59 1.06 2.22 1.90 1.54 1.32 1.10 0.82 0.72 0.57 -0.36
Balance Sheet
Cash & Equivalents 473.3 393.0 130.5 96.8 975.2 626.0 233.7 75.4 200.1 183.6 18.9 16.8 20.7 16.3 23.4 14.5 11.7 13.7 6.5
Total Assets 6,835.2 6,052.2 5,353.2 4,872.6 5,257.7 4,437.3 3,632.9 3,363.9 3,286.7 3,082.6 1,906.2 2,208.0 1,536.1 1,202.8 921.9 698.7 512.7 368 216.2
Total Debt 825.9 648.2 836.3 640.2 693.4 559.9 503.6 499.7 384.3 351.5 257.5 416.9 225.9 163.2 65.9 16 16.1 16 17
Stockholders' Equity 724.9 584.5 522.1 441.4 456.6 441.6 416.6 375.2 365.9 340.8 140.1 174.4 141.6 130.2 79.8 71.5 31.9 28 26.7
Cash Flow
Operating Cash Flow 18.0 101.1 66.6 119.9 64.6 37.9 44.8 61.7 38.7 34.6 26.1 18.3 13.6 10.0 4.4 8.0 3.1 0.4
Capital Expenditure (6.8) (8.5) (6.7) (3.0) (5.6) (9.0) (13.5) (6.3) (5.4) (2.0) (7.7) (10.5) (4.3) (3.5) (6.0) (1.1) (1.9) (1.1)
Free Cash Flow 11.2 92.6 59.9 116.8 59.0 28.9 31.3 55.4 33.2 32.6 18.4 7.8 9.3 6.5 (1.6) 6.9 1.2 (0.7)