$48.75

Last traded 2025-10-02 — delisted

NASDAQ · Financial Services · Banks - Regional · $553.2M mcap · 8M float · 0.569% daily turnover · Short 64% of daily vol

Revenue

$181M +2.7% ▲

5Y CAGR: +8.9%

Gross Profit

$118M +1.0% ▲

5Y CAGR: +4.8%

Operating Income

$39M +4.9% ▲

5Y CAGR: +4.0%

Net Income

$32M +5.0% ▲

5Y CAGR: +3.7%

EPS (Diluted)

$2.74 +7.0% ▲

5Y CAGR: +6.1%

EBITDA

$44M +4.9% ▲

5Y CAGR: +3.3%

View Full Income Statement

Line Item	FY2020	FY2021	FY2022	FY2023	FY2024
Revenue	$119M	$127M	$147M	$176M	$181M
YoY Growth	+0.8%	+6.7%	+15.4%	+20.0%	+2.7%
Cost of Revenue	$26M	$5M	$18M	$60M	$63M
Gross Profit	$93M	$122M	$129M	$117M	$118M
Gross Margin	78.0%	95.8%	88.0%	66.2%	65.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$37M	$42M	$47M	$52M	$50M
Operating Expenses	$60M	$73M	$80M	$79M	$79M
Operating Income	$33M	$49M	$49M	$37M	$39M
Operating Margin	28.0%	38.2%	33.6%	21.1%	21.5%
Interest Expense	$13M	$7M	$15M	$60M	$65M
Income Before Tax	$33M	$49M	$49M	$37M	$39M
Tax Expense	$6M	$9M	$9M	$7M	$7M
Net Income	$27M	$40M	$40M	$30M	$32M
Net Margin	23.0%	31.3%	27.6%	17.1%	17.4%
EPS (Diluted)	$2.24	$3.26	$3.34	$2.56	$2.74
EBITDA	$39M	$54M	$54M	$42M	$44M
Shares Outstanding	12M	12M	12M	12M	11M

Line Item	FY2023 Q3	FY2023 Q4	FY2024 Q1	FY2024 Q2	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2
Revenue	$44M	$45M	$45M	$45M	$45M	$46M	$45M	$47M
Cost of Revenue	$17M	$17M	$17M	$16M	$16M	$15M	$13M	$13M
Gross Profit	$27M	$28M	$28M	$29M	$29M	$31M	$31M	$33M
Gross Margin	62.4%	62.1%	62.7%	64.9%	64.9%	68.0%	70.2%	71.1%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$13M	$14M	$13M	$12M	$12M	$12M	$13M	$13M
Operating Expenses	$20M	$21M	$20M	$20M	$20M	$19M	$20M	$21M
Operating Income	$8M	$7M	$8M	$9M	$9M	$12M	$11M	$13M
Operating Margin	17.6%	16.1%	18.5%	20.4%	20.5%	26.7%	24.4%	26.8%
Interest Expense	$17M	$17M	$17M	$17M	$16M	$15M	$14M	$13M
Income Before Tax	$8M	$7M	$8M	$9M	$9M	$12M	$11M	$13M
Tax Expense	$1M	$1M	$2M	$2M	$2M	$2M	$2M	$3M
Net Income	$6M	$6M	$7M	$7M	$7M	$10M	$9M	$10M
Net Margin	14.3%	13.1%	14.7%	16.7%	16.5%	21.7%	19.4%	21.4%
EPS (Diluted)	$0.54	$0.51	$0.58	$0.65	$0.65	$0.87	$0.75	$0.87
EBITDA	$9M	$8M	$10M	$10M	$10M	$14M	$12M	$14M
Shares Outstanding	12M	12M	12M	12M	11M	11M	11M	11M

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