MBIN vs CSGS

Comparison between Merchants Bancorp (MBIN, Company) and CSG Systems International Inc (CSGS, Company).

MBIN is from the Financial Services sector, while CSGS is from the Technology sector.

5-Year PerformanceCSGS has outperformed MBIN, delivering a return of +14.4% compared to +14.3%

MBIN vs CSGS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	MBIN(COMPANY)	CSGS(COMPANY)
Market Cap	$2.30B	$2.30B
Max Drawdown	54.94%	88.60%
Sharpe Ratio	1.26	1.00
5Y Beta	0.88	N/A
Industry	Banks - Regional	Software - Application
P/E Ratio	10.06	36.26
Forward P/E	N/A	15.60
Dividend Yield	0.82%	1.61%
5Y Dividends CAGR	13.13%	18.10%
5Y EPS CAGR	-0.32%	5.24%
Debt to Equity	0.00%	183.81%
Free Cash Flow Yield	-47.94%	5.71%
P/S Ratio	3.93	N/A
P/B Ratio	1.29	N/A

Market Cap

MBIN

$2.30B

Winner

CSGS

$2.30B

Max Drawdown

Winner

MBIN

54.94%

CSGS

88.60%

Sharpe Ratio

Winner

MBIN

1.26

CSGS

1.00

5Y Beta

MBIN

0.88

CSGS

N/A

Industry

MBIN

Banks - Regional

CSGS

Software - Application

P/E Ratio

Winner

MBIN

10.06

CSGS

36.26

Forward P/E

MBIN

N/A

CSGS

15.60

Dividend Yield

MBIN

0.82%

Winner

CSGS

1.61%

5Y Dividends CAGR

MBIN

13.13%

Winner

CSGS

18.10%

5Y EPS CAGR

MBIN

-0.32%

Winner

CSGS

5.24%

Debt to Equity

Winner

MBIN

0.00%

CSGS

183.81%

Free Cash Flow Yield

MBIN

-47.94%

Winner

CSGS

5.71%

P/S Ratio

MBIN

3.93

CSGS

N/A

P/B Ratio

MBIN

1.29

CSGS

N/A

MBIN vs CSGS - Historical Returns

Returns include dividend reinvestment.

Period	MBIN	CSGS
1 month	+7.14%	+0.67%
3 months	+16.02%	+1.73%
6 months	+49.03%	+3.99%
1 year	+50.44%	+26.43%
5 years(CAGR)	+14.26%	+14.43%
10 years(CAGR)	+20.25%	+9.02%
Max(CAGR)	+20.25%	+4.30%

Winner

MBIN

+7.14%

CSGS

+0.67%

Winner

MBIN

+16.02%

CSGS

+1.73%

Winner

MBIN

+49.03%

CSGS

+3.99%

Winner

MBIN

+50.44%

CSGS

+26.43%

5Y(CAGR)

MBIN

+14.26%

Winner

CSGS

+14.43%

10Y(CAGR)

Winner

MBIN

+20.25%

CSGS

+9.02%

Max(CAGR)

Winner

MBIN

+20.25%

CSGS

+4.30%

MBIN vs CSGS - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	MBIN	CSGS
2026	+51.46%	+5.57%
2025	-4.28%	+54.64%
2024	-11.59%	-1.30%
2023	+78.46%	-6.67%
2022	-21.45%	-1.21%
2021	+71.57%	+30.97%
2020	+45.19%	-11.90%
2019	-0.29%	+64.62%
2018	+0.99%	-26.75%
2017	+17.42%	-8.03%
2016	N/A	+41.01%
2015	N/A	+50.38%
2014	N/A	-12.07%
2013	N/A	+60.73%
2012	N/A	+20.64%
2011	N/A	-23.47%
2010	N/A	-3.86%
2009	N/A	+7.49%
2008	N/A	+22.25%
2007	N/A	-43.51%
2006	N/A	+19.33%
2005	N/A	+22.84%
2004	N/A	+45.64%
2003	N/A	-8.50%
2002	N/A	-66.30%
2001	N/A	-9.61%
2000	N/A	+11.92%
1999	N/A	+15.16%

MBIN vs CSGS Drawdown Comparison

The maximum drawdown for MBIN was -53.74%, occurring on Apr 15, 2020. Recovery took 608 trading sessions.

The maximum drawdown for CSGS was -88.60%, occurring on Apr 4, 2003. Recovery took 5521 trading sessions.

The current MBIN drawdown is -2.90%.

Rank	MBIN	CSGS
#1	-53.74% Jun 20, 2018 - Nov 17, 2020	-88.60% Mar 17, 2000 - Feb 25, 2022
#2	-43.94% Jul 26, 2024 - Aug 1, 2025	-36.75% Aug 3, 2022 - Feb 6, 2025
#3	-33.58% Jan 14, 2022 - Nov 15, 2023	-22.04% Jan 20, 2000 - Feb 17, 2000
#4	-22.34% May 6, 2021 - Nov 1, 2021	-14.87% Feb 25, 2025 - Sep 18, 2025
#5	-17.90% May 13, 2024 - Jul 16, 2024	-14.83% Apr 20, 2022 - Jul 27, 2022
#6	-17.73% Jan 30, 2024 - May 3, 2024	-14.10% Dec 9, 1999 - Jan 18, 2000
#7	-12.34% Mar 12, 2021 - May 4, 2021	-8.20% Feb 17, 2000 - Feb 29, 2000
#8	-12.09% Mar 26, 2018 - May 2, 2018	-7.56% Nov 29, 1999 - Dec 9, 1999
#9	-10.62% Nov 23, 2021 - Jan 7, 2022	-7.54% Mar 13, 2000 - Mar 15, 2000
#10	-8.47% Jan 23, 2018 - Mar 5, 2018	-7.06% Nov 9, 1999 - Nov 17, 1999
#11	-7.48% Dec 27, 2023 - Jan 24, 2024	-6.50% Nov 4, 1999 - Nov 9, 1999
#12	-6.88% Dec 17, 2020 - Jan 6, 2021	-5.54% Sep 18, 2025 - Oct 23, 2025
#13	-6.46% Jan 12, 2021 - Feb 1, 2021	-5.28% Mar 10, 2022 - Apr 4, 2022
#14	-6.21% Dec 12, 2017 - Jan 12, 2018	-4.21% Feb 6, 2025 - Feb 24, 2025
#15	-5.68% Nov 17, 2020 - Dec 10, 2020	-3.54% Mar 7, 2000 - Mar 9, 2000

Correlation

Correlation between MBIN and CSGS is 0.65 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.65

-101

Dividend Comparison (2013 - 2026)

MBIN vs CSGS dividend yield comparison.

Year	MBIN	CSGS
2026	0.44%	0.42%
2025	1.17%	1.67%
2024	0.99%	2.35%
2023	0.75%	2.10%
2022	1.15%	1.85%
2021	0.76%	1.74%
2020	1.16%	2.09%
2019	1.42%	1.72%
2018	1.20%	2.64%
2017	0.25%	1.80%
2016	0.00%	1.53%
2015	0.00%	1.95%
2014	0.00%	2.48%
2013	0.00%	1.53%