$30.01

+0.02 (+0.07%)

After Hours: $30.37 (+0.36, +1.20%)

Weekly Expected Move ±3.1%

$28 $29 $30 $31 $32

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 69 · $136.3M mcap · 4M float · 1.00% daily turnover · Short 18% 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

$63M +6.0% ▲

5Y CAGR: +9.6%

Gross Profit

$49M +10.1% ▲

5Y CAGR: +8.4%

Operating Income

$15M +50.0% ▲

5Y CAGR: +19.2%

Net Income

$9M +13.6% ▲

5Y CAGR: +12.6%

EPS (Diluted)

$1.99 +13.7% ▲

5Y CAGR: +13.9%

EBITDA

$11M -6.0% ▼

5Y CAGR: +6.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$39M	$44M	$51M	$59M	$63M
YoY Growth	-0.7%	+11.6%	+17.3%	+14.7%	+6.0%
Cost of Revenue	$2M	$1M	$9M	$15M	$14M
Gross Profit	$38M	$43M	$42M	$44M	$49M
Gross Margin	95.9%	97.2%	81.6%	75.0%	77.9%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$18M	$20M	$20M	$21M	$26M
Operating Expenses	$28M	$32M	$32M	$34M	$38M
Operating Income	$9M	$11M	$10M	$10M	$15M
Operating Margin	24.1%	25.2%	20.0%	16.8%	23.8%
Interest Expense	$2M	$2M	$10M	$15M	$14M
Income Before Tax	$9M	$11M	$10M	$10M	$11M
Tax Expense	$2M	$2M	$2M	$2M	$2M
Net Income	$8M	$9M	$9M	$8M	$9M
Net Margin	19.3%	20.3%	16.9%	13.5%	14.4%
EPS (Diluted)	$1.60	$1.91	$1.91	$1.75	$1.99
EBITDA	$12M	$14M	$12M	$12M	$11M
Shares Outstanding	5M	5M	5M	5M	5M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$15M	$15M	$14M	$15M	$16M	$16M	$12M	$17M
Cost of Revenue	$4M	$4M	$4M	$3M	$4M	$4M	$3M	$3M
Gross Profit	$11M	$11M	$11M	$13M	$12M	$13M	$9M	$13M
Gross Margin	72.7%	74.6%	74.5%	81.5%	77.3%	77.1%	73.7%	79.8%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$5M	$6M	$5M	$6M	$6M	$6M	$9M	$7M
Operating Expenses	$9M	$9M	$10M	$9M	$9M	$9M	$9M	$9M
Operating Income	$2M	$2M	$1M	$3M	$3M	$3M	-$485K	$4M
Operating Margin	16.2%	13.6%	7.3%	22.0%	20.5%	21.4%	-4.1%	24.3%
Interest Expense	$4M	$4M	$4M	$3M	$3M	$3M	$3M	$3M
Income Before Tax	$2M	$2M	$1M	$3M	$3M	$3M	$3M	$4M
Tax Expense	$474K	$452K	$197K	$694K	$466K	$766K	$705K	$829K
Net Income	$2M	$2M	$842K	$3M	$3M	$3M	$3M	$3M
Net Margin	13.1%	10.6%	5.9%	17.5%	17.5%	16.7%	23.4%	19.3%
EPS (Diluted)	$0.44	$0.36	$0.19	$0.60	$0.61	$0.60	$0.61	$0.71
EBITDA	$3M	$3M	$2M	$4M	$3M	$4M	-$247K	$5M
Shares Outstanding	5M	5M	5M	5M	5M	5M	5M	5M

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