Northland Securities Has Negative View of MFIN Q1 Earnings

Medallion Financial Corp. (NASDAQ:MFIN) – Equities research analysts at Northland Securities decreased their Q1 2026 EPS estimates for Medallion Financial in a research note issued on Thursday, February 19th. Northland Securities analyst M. Grondahl now anticipates that the credit services provider will earn $0.25 per share for the quarter, down from their prior forecast of $0.35. The consensus estimate for Medallion Financial’s current full-year earnings is $1.46 per share. Northland Securities also issued estimates for Medallion Financial’s Q2 2026 earnings at $0.30 EPS, Q3 2026 earnings at $0.33 EPS, Q4 2026 earnings at $0.37 EPS and FY2026 earnings at $1.25 EPS.

Other research analysts have also recently issued reports about the company. Wall Street Zen cut Medallion Financial from a “buy” rating to a “hold” rating in a research note on Saturday, November 8th. Weiss Ratings reissued a “hold (c)” rating on shares of Medallion Financial in a research note on Thursday, January 22nd. Finally, Zacks Research cut Medallion Financial from a “strong-buy” rating to a “hold” rating in a report on Tuesday, December 2nd. One analyst has rated the stock with a Buy rating and two have assigned a Hold rating to the company. According to MarketBeat, the company currently has an average rating of “Hold” and an average target price of $12.00.

Medallion Financial Stock Performance

NASDAQ:MFIN opened at $10.39 on Friday. Medallion Financial has a fifty-two week low of $7.71 and a fifty-two week high of $11.00. The company has a debt-to-equity ratio of 0.43, a quick ratio of 1.18 and a current ratio of 1.21. The company has a 50 day moving average price of $10.31 and a 200 day moving average price of $10.20. The stock has a market capitalization of $241.88 million, a P/E ratio of 5.84 and a beta of 0.77.

Medallion Financial (NASDAQ:MFIN) last announced its quarterly earnings results on Wednesday, February 18th. The credit services provider reported $0.50 earnings per share for the quarter, beating analysts’ consensus estimates of $0.41 by $0.09. Medallion Financial had a net margin of 12.18% and a return on equity of 9.45%. The business had revenue of $55.92 million during the quarter, compared to analysts’ expectations of $56.20 million.

Medallion Financial Announces Dividend

The business also recently disclosed a quarterly dividend, which will be paid on Tuesday, March 31st. Stockholders of record on Thursday, March 19th will be paid a $0.12 dividend. This represents a $0.48 annualized dividend and a dividend yield of 4.6%. The ex-dividend date is Thursday, March 19th. Medallion Financial’s dividend payout ratio (DPR) is presently 26.97%.

Institutional Inflows and Outflows

Several institutional investors and hedge funds have recently bought and sold shares of the stock. Empowered Funds LLC increased its holdings in Medallion Financial by 11.7% during the 4th quarter. Empowered Funds LLC now owns 51,180 shares of the credit services provider’s stock worth $527,000 after purchasing an additional 5,374 shares during the period. Uniplan Investment Counsel Inc. increased its stake in shares of Medallion Financial by 34.5% during the fourth quarter. Uniplan Investment Counsel Inc. now owns 340,123 shares of the credit services provider’s stock worth $3,500,000 after buying an additional 87,321 shares during the period. Bridgeway Capital Management LLC increased its stake in shares of Medallion Financial by 3.4% during the fourth quarter. Bridgeway Capital Management LLC now owns 162,283 shares of the credit services provider’s stock worth $1,670,000 after buying an additional 5,374 shares during the period. Panagora Asset Management Inc. raised its holdings in Medallion Financial by 53.5% in the fourth quarter. Panagora Asset Management Inc. now owns 37,734 shares of the credit services provider’s stock valued at $388,000 after acquiring an additional 13,154 shares in the last quarter. Finally, Mariner LLC purchased a new position in Medallion Financial in the fourth quarter worth approximately $739,000. 40.56% of the stock is owned by institutional investors and hedge funds.

Key Medallion Financial News

Here are the key news stories impacting Medallion Financial this week:

• Positive Sentiment: Q4 earnings beat — Medallion reported $0.50 EPS versus the consensus $0.41, showing stronger profitability and supporting valuation metrics. MFIN Tops Q4 Earnings (Zacks)
• Positive Sentiment: Dividend support — the company declared a $0.12 quarterly dividend (annualized yield ~4.6%), which can attract income-oriented investors and provide a floor under the share price.
• Neutral Sentiment: Growth targets and strategy — management outlined a mid‑teens loan growth target for 2026 and plans to expand the home‑improvement lending segment; this increases upside if execution succeeds but carries execution risk amid a leadership transition. Loan Growth Target & Strategy (Seeking Alpha)
• Neutral Sentiment: Revenue slightly missed consensus — Q4 revenue was $55.92M vs. consensus ~$56.2M, signaling solid but not standout top‑line performance alongside the EPS beat. Q4 Results (Business Insider)
• Negative Sentiment: Analyst cuts to 2026 estimates — Northland Securities reduced quarterly and full‑year EPS forecasts (FY2026 cut to $1.25 from $1.48), lowering near‑term expectations and likely pressuring the stock.
• Negative Sentiment: Leadership transition — while tied to growth plans, management turnover adds execution and governance uncertainty that can increase short‑term volatility for MFIN.

About Medallion Financial

Medallion Financial Corporation is a specialty finance company that provides asset-based lending solutions to small and mid-sized businesses in the United States. The company’s core business activities include secured loans collateralized by business assets such as insurance premiums, commercial real estate, maritime assets and portfolio receivables. Through its insurance premium finance division, Medallion offers short-term loans that allow policyholders to spread insurance costs over multiple payments, while its portfolio financing arm provides funding against a borrower’s existing asset portfolios.

Founded in 1998 and headquartered in Minneapolis, Minnesota, Medallion Financial originally established itself in the taxi medallion lending market, extending loans secured by New York City cab medallions.