$23.73

+1.04 (+4.58%)

Weekly Expected Move ±1.7%

$21 $21 $21 $22 $22

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Buy · Power 67 · $229.0M mcap · 8M float · 0.885% daily turnover · Short 57% 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

$90M -9.4% ▼

5Y CAGR: +1.7%

Gross Profit

$49M -17.2% ▼

5Y CAGR: -4.1%

Operating Income

$6M -63.8% ▼

5Y CAGR: -18.2%

Net Income

$14M +4.9% ▲

5Y CAGR: +2.5%

EPS (Diluted)

$1.46 +9.0% ▲

5Y CAGR: +5.1%

EBITDA

$9M -57.4% ▼

5Y CAGR: -17.9%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$80M	$80M	$94M	$99M	$90M
YoY Growth	-3.2%	+0.2%	+17.7%	+5.3%	-9.4%
Cost of Revenue	$10M	$15M	$35M	$40M	$41M
Gross Profit	$70M	$66M	$59M	$59M	$49M
Gross Margin	87.0%	81.9%	62.5%	59.8%	54.7%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$24M	$24M	$23M	$24M	$27M
Operating Expenses	$41M	$42M	$40M	$42M	$43M
Operating Income	$29M	$24M	$19M	$17M	$6M
Operating Margin	36.2%	29.4%	20.0%	17.6%	7.0%
Interest Expense	$10M	$13M	$36M	$43M	$39M
Income Before Tax	$29M	$24M	$19M	$17M	$17M
Tax Expense	$8M	$6M	$6M	$4M	$3M
Net Income	$21M	$18M	$13M	$14M	$14M
Net Margin	26.6%	22.1%	13.8%	13.8%	16.0%
EPS (Diluted)	$1.98	$1.69	$1.25	$1.34	$1.46
EBITDA	$33M	$28M	$23M	$21M	$9M
Shares Outstanding	11M	11M	10M	10M	10M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$24M	$24M	$25M	$25M	$16M	$24M	$22M	$26M
Cost of Revenue	$10M	$9M	$11M	$10M	$11M	$9M	$9M	$9M
Gross Profit	$14M	$14M	$15M	$16M	$4M	$15M	$14M	$17M
Gross Margin	58.7%	60.9%	58.4%	61.7%	28.1%	62.1%	61.3%	66.1%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$6M	$6M	$194K	$7M	$7M	$7M	$11M	$9M
Operating Expenses	$11M	$10M	$11M	$11M	$11M	$11M	$15M	$11M
Operating Income	$3M	$4M	$4M	$5M	-$6M	$5M	-$1M	$7M
Operating Margin	14.2%	16.8%	16.0%	17.9%	-39.6%	18.9%	-6.2%	25.4%
Interest Expense	$10M	$10M	$9M	$9M	$11M	$9M	$9M	$9M
Income Before Tax	$3M	$4M	$4M	$5M	$5M	$5M	$1M	$7M
Tax Expense	$656K	$777K	$777K	$853K	$614K	$877K	$135K	$1M
Net Income	$3M	$3M	$3M	$4M	$4M	$4M	$1M	$5M
Net Margin	11.4%	13.5%	12.9%	14.6%	27.1%	15.4%	5.0%	20.7%
EPS (Diluted)	$0.27	$0.32	$0.33	$0.37	$0.44	$0.39	$0.11	$0.56
EBITDA	$4M	$5M	$5M	$5M	-$6M	$5M	-$597K	$15M
Shares Outstanding	10M	10M	10M	10M	10M	10M	10M	10M

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