$70.47

+0.39 (+0.56%)

Weekly Expected Move ±2.8%

$67 $69 $71 $73 $75

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 60 · $1.4B mcap · 17M float · 0.853% daily turnover · Short 49% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$491M +23.7% ▲

5Y CAGR: +32.6%

Gross Profit

$341M +46.6% ▲

5Y CAGR: +28.4%

Operating Income

$145M +263.3% ▲

5Y CAGR: +38.5%

Net Income

$117M +228.5% ▲

5Y CAGR: +34.7%

EPS (Diluted)

$7.75 +231.2% ▲

5Y CAGR: +18.5%

EBITDA

$145M +152.9% ▲

5Y CAGR: +35.8%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$117M	$127M	$162M	$397M	$491M
YoY Growth	-2.3%	+8.7%	+27.3%	+144.6%	+23.7%
Cost of Revenue	$3M	$1M	$53M	$165M	$151M
Gross Profit	$114M	$126M	$109M	$232M	$341M
Gross Margin	97.3%	98.8%	67.1%	58.5%	69.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$48M	$51M	$53M	$101M	$132M
Operating Expenses	$74M	$74M	$84M	$192M	$196M
Operating Income	$40M	$52M	$25M	$40M	$145M
Operating Margin	34.5%	41.0%	15.4%	10.1%	29.5%
Interest Expense	$4M	$9M	$53M	$140M	$149M
Income Before Tax	$40M	$52M	$25M	$40M	$145M
Tax Expense	$4M	$8M	$2M	$4M	$28M
Net Income	$36M	$44M	$23M	$36M	$117M
Net Margin	30.8%	34.5%	14.0%	9.0%	23.9%
EPS (Diluted)	$4.52	$5.89	$3.02	$2.34	$7.75
EBITDA	$44M	$56M	$28M	$57M	$145M
Shares Outstanding	8M	7M	7M	15M	15M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$122M	$120M	$123M	$122M	$123M	$118M	$81M	$169M
Cost of Revenue	$43M	$38M	$38M	$38M	$36M	$34M	$34M	$50M
Gross Profit	$80M	$81M	$85M	$84M	$86M	$85M	$47M	$119M
Gross Margin	65.0%	68.0%	69.0%	69.0%	70.4%	71.6%	58.3%	70.2%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$33M	$28M	$27M	$27M	$32M	$35M	$35M	$49M
Operating Expenses	$59M	$49M	$48M	$47M	$48M	$51M	$35M	$74M
Operating Income	$20M	$33M	$37M	$37M	$38M	$33M	$12M	$45M
Operating Margin	16.5%	27.4%	30.1%	30.4%	30.9%	28.1%	14.9%	26.3%
Interest Expense	$42M	$38M	$38M	$37M	$36M	$34M	-$34M	$50M
Income Before Tax	$20M	$33M	$37M	$37M	$38M	$33M	$12M	$45M
Tax Expense	$465K	$6M	$7M	$7M	$8M	$6M	$3M	$8M
Net Income	$20M	$27M	$30M	$30M	$30M	$27M	$9M	$36M
Net Margin	16.2%	22.7%	24.2%	24.6%	24.6%	23.1%	11.8%	21.5%
EPS (Diluted)	$1.30	$1.80	$1.97	$1.97	$2.00	$1.79	$0.50	$1.78
EBITDA	$26M	$39M	$43M	$42M	$43M	$39M	$20M	$94M
Shares Outstanding	15M	15M	15M	15M	15M	15M	19M	20M

BHRB NASDAQ