$11.27

+0.02 (+0.18%)

Pre-Market: $11.36 (+0.09, +0.80%)

Weekly Expected Move ±3.4%

$10 $11 $11 $12 $12

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Sell · Power 32 · $104.6M mcap · 7M float · 0.064% daily turnover · Short 36% 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.

Income Trends

Revenue

$64M +21.3% ▲

5Y CAGR: +29.2%

Gross Profit

$33M -3.6% ▼

5Y CAGR: +23.5%

Operating Income

$3M -57.6% ▼

Net Income

$2M -57.3% ▼

EPS (Diluted)

$0.04 -92.2% ▼

EBITDA

$4M -51.7% ▼

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2020	FY2021	FY2022	FY2023	FY2024
Revenue	$19M	$28M	$37M	$53M	$64M
YoY Growth	+5.3%	+49.8%	+34.0%	+40.4%	+21.3%
Cost of Revenue	$6M	$4M	$4M	$19M	$31M
Gross Profit	$13M	$24M	$33M	$34M	$33M
Gross Margin	70.5%	86.0%	88.2%	64.4%	51.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$10M	$16M	$15M	$16M	$18M
Operating Expenses	$14M	$29M	$25M	$27M	$30M
Operating Income	-$1M	-$5M	$8M	$7M	$3M
Operating Margin	-5.6%	-17.5%	21.7%	12.4%	4.3%
Interest Expense	$5M	$4M	$3M	$18M	$30M
Income Before Tax	-$1M	-$5M	$8M	$7M	$3M
Tax Expense	-$407K	-$937K	$2M	$2M	$814K
Net Income	-$642K	-$4M	$6M	$5M	$2M
Net Margin	-3.4%	-14.5%	15.0%	8.6%	3.0%
EPS (Diluted)	$-0.19	$-0.54	$0.64	$0.51	$0.04
EBITDA	-$928K	-$4M	$9M	$7M	$4M
Shares Outstanding	3M	8M	9M	9M	9M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$17M	$16M	$15M	$8M	$16M	$17M	$17M	$19M
Cost of Revenue	$8M	$7M	$7M	$0	$8M	$8M	$7M	$10M
Gross Profit	$8M	$9M	$8M	$8M	$8M	$9M	$10M	$9M
Gross Margin	50.3%	55.4%	52.1%	100.0%	51.6%	55.2%	57.5%	47.8%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$4M	$4M	$5M	$7M	$5M	-$14M	$5M	$5M
Operating Expenses	$8M	$7M	$10M	$7M	$32M	$8M	$8M	$7M
Operating Income	$753K	$2M	-$3M	$749K	-$23M	$1M	$2M	$1M
Operating Margin	4.5%	11.2%	-17.4%	8.9%	-142.8%	8.4%	11.2%	7.9%
Interest Expense	$8M	$8M	$6M	$0	$7M	$8M	$7M	$8M
Income Before Tax	$753K	$2M	-$3M	$854K	-$23M	$1M	$2M	$1M
Tax Expense	$209K	$516K	-$692K	$257K	$736K	$392K	$390K	$330K
Net Income	$522K	$1M	-$2M	$603K	-$24M	$1M	$2M	$968K
Net Margin	3.1%	8.0%	-12.7%	7.2%	-147.3%	6.2%	9.0%	5.2%
EPS (Diluted)	$-0.03	$0.06	$-0.30	$-0.02	$-2.86	$0.03	$0.09	$0.02
EBITDA	$1M	$2M	-$2M	$749K	-$23M	$2M	$2M	$1M
Shares Outstanding	9M	9M	9M	9M	9M	9M	9M	9M

BYFC NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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