Manhattan Bridge Capital (LOAN) investor relations material

Executive summary

• Q3 revenue rose 0.9% YoY to $2.054M and net income increased 3.0% to $1.238M; 9M revenue fell 7.5% to $6.166M and net income declined 8.1% to $3.665M.

• The secured loan portfolio totaled $60.072M at September 30, 2026; lending remained selective, with liquidity expected to fund operations for at least 12 months.

Financial highlights

• Q3 total revenue was $2.054M vs. $2.036M YoY; interest income fell to $1.662M from $1.770M, while origination fees rose to $392K from $265K.

• Q3 operating income was $1.234M vs. $1.198M; net income was $1.238M vs. $1.202M, with basic and diluted EPS of $0.11 in both periods. Lower interest expense and higher fees offset lower interest income and higher G&A.

• 9M revenue was $6.166M vs. $6.665M; interest income was $5.099M vs. $5.504M and origination fees were $1.067M vs. $1.161M.

• 9M operating income was $3.653M vs. $3.976M and net income was $3.665M vs. $3.988M; basic and diluted EPS were $0.32 vs. $0.35.

• 9M net cash from operating activities was $4.026M vs. $3.806M.

Outlook and guidance

• Cash, available Webster and Valley borrowings, and operating cash flows were expected to fund operations for at least 12 months; working capital needs may rise as growth opportunities are pursued.

• Strategy remained focused on selectively originating first-mortgage loans and managing the portfolio for long-term risk-adjusted returns and dividends; management cited low leverage and conservative practices.