$38.82

-0.15 (-0.38%)

Weekly Expected Move ±3.9%

$36 $37 $39 $40 $42

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 59 · $296.2M mcap · 7M float · 0.899% daily turnover · Short 72% 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

$112M +10.1% ▲

5Y CAGR: +8.1%

Gross Profit

$79M +20.4% ▲

5Y CAGR: +5.6%

Operating Income

$22M +35.0% ▲

5Y CAGR: +13.3%

Net Income

$19M +36.2% ▲

5Y CAGR: +11.7%

EPS (Diluted)

$2.56 +37.6% ▲

5Y CAGR: +13.8%

EBITDA

$22M +19.7% ▲

5Y CAGR: +8.0%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$71M	$77M	$91M	$102M	$112M
YoY Growth	-5.9%	+7.4%	+18.6%	+12.1%	+10.1%
Cost of Revenue	$7M	$6M	$22M	$36M	$33M
Gross Profit	$64M	$71M	$68M	$66M	$79M
Gross Margin	90.3%	92.4%	75.4%	64.6%	70.6%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$26M	$27M	$29M	$31M	$43M
Operating Expenses	$41M	$44M	$47M	$49M	$57M
Operating Income	$23M	$27M	$22M	$16M	$22M
Operating Margin	32.8%	35.1%	24.1%	16.1%	19.8%
Interest Expense	$7M	$5M	$22M	$34M	$33M
Income Before Tax	$23M	$27M	$22M	$16M	$24M
Tax Expense	$4M	$5M	$4M	$3M	$5M
Net Income	$19M	$22M	$18M	$14M	$19M
Net Margin	27.4%	29.0%	20.0%	13.7%	16.9%
EPS (Diluted)	$2.45	$2.91	$2.40	$1.86	$2.56
EBITDA	$26M	$29M	$24M	$18M	$22M
Shares Outstanding	8M	8M	8M	7M	7M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$26M	$26M	$26M	$26M	$29M	$31M	$29M	$17M
Cost of Revenue	$10M	$9M	$8M	$7M	$9M	$9M	$8M	$8M
Gross Profit	$17M	$17M	$18M	$19M	$20M	$22M	$21M	$9M
Gross Margin	62.8%	65.1%	68.8%	73.4%	68.8%	71.4%	72.0%	51.3%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$8M	$9M	$8M	$8M	$8M	$18M	$15M	$15M
Operating Expenses	$13M	$12M	$13M	$13M	$13M	$18M	$15M	$15M
Operating Income	$4M	$5M	$5M	$6M	$6M	$5M	$6M	-$6M
Operating Margin	14.6%	18.7%	18.9%	23.4%	21.9%	15.4%	20.3%	-35.3%
Interest Expense	$9M	$9M	$8M	$8M	$9M	$9M	$8M	$8M
Income Before Tax	$4M	$5M	$5M	$6M	$6M	$7M	$6M	$6M
Tax Expense	$561K	$825K	$912K	$1M	$1M	$2M	$985K	$1M
Net Income	$3M	$4M	$4M	$5M	$5M	$5M	$5M	$5M
Net Margin	12.4%	15.5%	15.4%	19.1%	18.3%	15.0%	16.9%	29.8%
EPS (Diluted)	$0.44	$0.54	$0.53	$0.68	$0.71	$0.64	$0.68	$0.69
EBITDA	$4M	$5M	$5M	$7M	$7M	$5M	$7M	-$5M
Shares Outstanding	7M	7M	7M	7M	7M	7M	7M	7M

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