$19.81

+0.24 (+1.23%)

Pre-Market: $19.77 (-0.04, -0.20%)

Weekly Expected Move ±2.8%

$19 $19 $20 $20 $21

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 68 · $282.4M mcap · 13M float · 0.285% daily turnover · Short 51% 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

$124M -0.9% ▼

5Y CAGR: +9.6%

Gross Profit

$90M +13.3% ▲

5Y CAGR: +5.4%

Operating Income

$28M +76.4% ▲

5Y CAGR: +3.1%

Net Income

$23M +71.4% ▲

5Y CAGR: +2.9%

EPS (Diluted)

$1.63 +68.0% ▲

5Y CAGR: +1.0%

EBITDA

$28M +69.9% ▲

5Y CAGR: +1.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$76M	$80M	$95M	$125M	$124M
YoY Growth	-3.2%	+5.3%	+18.7%	+32.0%	-0.9%
Cost of Revenue	$4M	$5M	$25M	$46M	$34M
Gross Profit	$72M	$75M	$70M	$79M	$90M
Gross Margin	95.0%	93.8%	73.3%	63.2%	72.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$29M	$30M	$31M	$38M	$41M
Operating Expenses	$47M	$48M	$54M	$63M	$62M
Operating Income	$26M	$27M	$15M	$16M	$28M
Operating Margin	33.7%	33.7%	16.1%	12.7%	22.7%
Interest Expense	$4M	$5M	$23M	$44M	$33M
Income Before Tax	$26M	$27M	$15M	$16M	$28M
Tax Expense	$5M	$5M	$3M	$2M	$5M
Net Income	$21M	$22M	$13M	$13M	$23M
Net Margin	27.6%	27.6%	13.3%	10.8%	18.6%
EPS (Diluted)	$1.66	$1.93	$1.10	$0.97	$1.63
EBITDA	$28M	$30M	$18M	$17M	$28M
Shares Outstanding	13M	11M	11M	14M	14M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$33M	$31M	$31M	$32M	$31M	$30M	$32M	$32M
Cost of Revenue	$11M	$9M	$8M	$8M	$8M	$9M	$7M	$7M
Gross Profit	$22M	$21M	$23M	$24M	$22M	$21M	$25M	$25M
Gross Margin	67.1%	69.8%	73.0%	73.8%	72.6%	70.4%	78.5%	77.3%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$9M	$12M	$10M	$9M	$10M	$10M	$11M	$12M
Operating Expenses	$15M	$16M	$16M	$15M	$15M	$16M	$15M	$15M
Operating Income	$7M	$6M	$7M	$8M	$7M	$5M	$10M	$9M
Operating Margin	22.7%	18.1%	23.1%	26.5%	22.6%	17.7%	30.5%	29.2%
Interest Expense	$10M	$9M	$8M	$8M	$7M	$7M	$7M	$7M
Income Before Tax	$7M	$6M	$7M	$8M	$7M	$5M	$9M	$9M
Tax Expense	$1M	$906K	$1M	$2M	$1M	$877K	$2M	$2M
Net Income	$6M	$5M	$6M	$7M	$6M	$4M	$7M	$7M
Net Margin	18.6%	15.1%	19.0%	21.7%	18.4%	14.8%	23.7%	23.0%
EPS (Diluted)	$0.43	$0.33	$0.42	$0.49	$0.40	$0.31	$0.53	$0.52
EBITDA	$7M	$6M	$5M	$10M	$7M	$6M	$10M	$16M
Shares Outstanding	14M	14M	14M	14M	14M	14M	14M	14M

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