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ZYBERNO

Stock Report

Updated Aug 23, 2026

Mentor Capital, Inc. (MNTR)

Financial Services • OTC

$0.03

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

35.0/100

WEAK BUSINESS

Mentor Capital, Inc. (MNTR) scores 35/100 — weak fundamentals with mixed indicators requiring careful analysis before acting.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full MNTR quality analysis & detailed breakdown

VALUATION SIGNAL

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

+80.6%

Undervalued

Growth gap unavailable — insufficient data for reverse DCF calculation.

🎯 Expected Annual Return →

69.7%

5-year annualised assuming price converges to intrinsic value

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full MNTR valuation analysis · → View full MNTR Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (-23.8%)

Debt-to-Equity (Solvency Risk):GOOD (0.51x)

Operating Margin (Operational Efficiency):CRITICAL (-352.3%)

Return on Capital (Capital Efficiency):CRITICAL (-18.1%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

Mentor Capital, Inc. (MNTR) stock report — Zyberno Score 35/100 (WEAK BUSINESS), Margin of Safety +80.6%, 70% expected annual return. Full financial analysis on Zyberno.

According to Zyberno's DCF model, Mentor Capital, Inc. (MNTR) trades at $0.03 against an estimated intrinsic value per share of $0.16 — a +80.6% Margin of Safety based on Owner Earnings of $132.91K TTM, projected at 63.8% growth for 10 years with a 2.5% terminal growth rate. Zyberno's model translates this into a 5-year expected return of 69.7% annually.

Over the trailing twelve months, MNTR generated $132.91K in Owner Earnings. Capital was deployed as follows: $183.69K returned via share buybacks. Owner Earnings have grown at 63.8% annually over the trailing five years using log-linear regression.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:0.03

Market Cap:$802.97K

Valuation Multiples (3)

P/B Ratio:0.41x

P/S Ratio:4.05x

Peg Ratio:-999.00x

Enterprise Metrics (2)

Enterprise Value:$1.76M

Pfcf Ratio:5.55x

Price Action & Momentum (1)

% of 52-Week High:22.0%

B. Profitability Assessment

Return Metrics (3)

ROE:

-23.8%

📊 Click to view full MNTR ROE analysis →

ROA:-18.9%

Roic:

-18.1%

📊 Click to view full MNTR ROIC analysis →

Margin Analysis (3)

Operating Margin Ttm:-352.3%

Net Margin Ttm:-266.5%

Ebitda Margin:-350.8%

TTM Performance (3)

Gross Margin Ttm:100.0%

Operating Margin Ttm:-352.3%

Net Margin Ttm:-266.5%

Yield Metrics (3)

Earnings Yield:-$82.14

Owner Earnings Yield:$18.18

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

-0.26

📊 Click to view full MNTR Earnings Surprise analysis →

EPS Surprise vs Expected:-344.4%

Latest Earnings Filed:2026-08-13

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):-50.0%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):71.3%

Operating Cash Flow Growth Rate (Linear):100.0%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:13.52x

Quick Ratio:13.52x

Cash Ratio:0.54x

Leverage Analysis (3)

Debt To Equity Ttm:0.51x

Debt-to-Equity Ratio:0.51x

Debt To Ebitda:-999.00x

Coverage Ratios (1)

Times Interest Earned:-999.00

Capital Structure (4)

Working Capital:1,113,162.00

Cash And Cash Equivalents:47,693.00

Long Term Debt:$0.00

Net Debt:$952.31K

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $198.17K

Linear Growth: -50.0%

📊 Click to view full MNTR Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

Gross profit TTM: $198.17K

Linear Growth: -47.9%

📊 Click to view full MNTR Gross Profit analysis & methodology →

-$698.15K

Bottom Line Performance (3)

-$528.15K

Income Before Tax:-$523.72K

Ebitda Ttm:-695,255.00

Operating Expenses (5)

Operating Expenses:303,149.00

R And D Expense:0.00

Sga Expense:883,275.00

Income Tax Expense:$7.55K

Interest Expense:0.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:1,346.6%

Ebitda Margin:-350.8%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$2.52M

Current Assets:$1.20M

Ppe Net:58,343.00

Goodwill:0.00

Intangible Assets:$1.20M

Liability Structure (4)

Total Liabilities:573,794.00

Current Liabilities:88,929.00

Long Term Debt:$0.00

Short Term Debt:$1.00M

Equity & Capital (3)

Equity:$1.94M

Retained Earnings:-$9.98M

Common Stock:75,000,000.00

Working Capital Items (3)

Accounts Receivable:1,060,000.00

Inventory:0.00

Accounts Payable:41,905.00

Special Items (2)

Contract Liabilities:0.00

Stock Based Compensation:0.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: -$478.58K

Linear Growth: 100.0%

Free cash flow TTM: $131.81K

Linear Growth: 71.3%

📊 Click to view full MNTR Free Cash Flow analysis & methodology →

Investment Activities (1)

Investing Cash Flow:$141.68K

Financing Activities (3)

Financing Cash Flow:-$105.85K

Dividends Paid Ttm:0.00

Stock Repurchase:183,693.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:2,897.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):-0.02

-$0.02

Earnings Per Share Ttm:-$0.02

Revenue & Cash Per Share (3)

Sales Per Share Ttm:0.01

Operating Cash Flow Per Share:-$0.02

Fcf Per Share Ttm:0.01

Book Value & Capital (2)

Book Value Per Share:$0.07

Cash Per Share:0.00

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.07x

Working Capital Turnover Ttm:0.18x

Receivables Management (2)

Receivables Turnover Ttm:0.19x

Days Sales Outstanding Ttm:1,952.33

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:77.18

Cash Conversion Cycle:876.15

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:100.00

Quality Score:40.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $132.91K

Linear Growth: 63.8%

📊 Click to view full MNTR Owner Earnings analysis & methodology →

Owner Earnings Per Share:$0.01

Owner Earnings Yield:$18.18

Growth Assessment (1)

Owner Earnings Growth Rate:$63.85

Intrinsic Value Models (1)

Intrinsic Value:

$4.14M

📊 Click to view full MNTR DCF valuation →

Margin of Safety (1)

Margin Of Safety:

80.6%

📊 Click to view full MNTR valuation analysis →

Return Scenarios (1)

Theoretical 5-Year Return:

69.7%

📊 Click to view full MNTR expected return analysis →

Investment Assessment (1)

Buffett Assessment:Excellent margin of safety

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (1)

Revenue Growth Rate (Linear):-50.0%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):71.3%

Operating Cash Flow Growth Rate (Linear):100.0%

Other Growth Rates (3)

Gross Profit Growth Rate (Linear):-47.9%

Book Value Growth Rate (Linear):2.5%

Owner Earnings Growth Rate:$63.85

C. Company Profile & Context

Corporate Information (6)

Symbol:MNTR

Company Name:Mentor Capital, Inc.

Sector:Financial Services

Industry:Investors, NEC

Exchange:OTC

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:penny

Volume Category:N/A

Share Structure (3)

Shares Outstanding:26.11M

Shares Outstanding Basic:26.11M

Shares Outstanding Diluted:26.11M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-23 14:19:48 UTC

Data Timestamp:2026-08-22T17:29:38.259041