$16.97

Last traded 2023-07-14 — delisted

NASDAQ · Financial Services · Banks - Regional · $129.7M mcap · 5M float · 0.206% daily turnover

Revenue

$32M -0.6% ▼

5Y CAGR: +3.5%

Gross Profit

$27M -6.4% ▼

5Y CAGR: +2.1%

Operating Income

$15M +4889.5% ▲

5Y CAGR: -12.9%

Net Income

$7M +7655.4% ▲

5Y CAGR: +3.6%

EPS (Diluted)

$0.92 +7641.0% ▲

5Y CAGR: +0.4%

EBITDA

$16M +1214.8% ▲

5Y CAGR: -3.7%

View Full Income Statement

Line Item	FY2018	FY2019	FY2020	FY2021	FY2022
Revenue	$30M	$32M	$30M	$32M	$32M
YoY Growth	+13.7%	+4.4%	-5.9%	+6.8%	-0.6%
Cost of Revenue	$3M	$3M	$3M	$3M	$5M
Gross Profit	$27M	$29M	$27M	$29M	$27M
Gross Margin	90.5%	90.8%	90.0%	89.9%	84.7%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$10M	$10M	$10M	$11M	$11M
Operating Expenses	$10M	-$20M	-$22M	-$32M	$11M
Operating Income	$25M	$12M	$8M	-$304K	$15M
Operating Margin	81.0%	37.3%	27.8%	-1.0%	46.0%
Interest Expense	$13M	$19M	$17M	$10M	$6M
Income Before Tax	$12M	$12M	$8M	-$304K	$9M
Tax Expense	$4M	$2M	$2M	-$212K	$2M
Net Income	$7M	$9M	$6M	-$92K	$7M
Net Margin	24.1%	29.5%	21.4%	-0.3%	22.0%
EPS (Diluted)	$1.13	$1.22	$0.08	$-0.01	$0.92
EBITDA	$25M	$13M	$9M	$1M	$16M
Shares Outstanding	6M	8M	8M	8M	8M

Line Item	FY2021 Q3	FY2021 Q4	FY2022 Q1	FY2022 Q2	FY2022 Q3	FY2022 Q4	FY2023 Q1	FY2023 Q2
Revenue	$8M	$7M	$8M	$8M	$8M	$8M	$8M	$7M
Cost of Revenue	$0	$0	$760K	$2M	$717K	$0	$871K	$684K
Gross Profit	$8M	$7M	$7M	$5M	$7M	$8M	$7M	$7M
Gross Margin	100.0%	100.0%	90.4%	67.4%	90.8%	100.0%	89.4%	90.6%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M
Operating Expenses	$3M	$3M	$3M	$3M	$3M	$3M	$871K	$927K
Operating Income	$4M	-$20M	$4M	$2M	$4M	$5M	$5M	$9M
Operating Margin	55.3%	-265.4%	54.8%	26.9%	46.3%	54.5%	63.0%	120.6%
Interest Expense	$2M	$2M	$2M	$1M	$1M	$1M	$3M	$4M
Income Before Tax	$2M	-$8M	$3M	$670K	$2M	$3M	$2M	$801K
Tax Expense	$489K	-$2M	$640K	$148K	$502K	$634K	$569K	$230K
Net Income	$2M	-$6M	$2M	$522K	$2M	$3M	$2M	$571K
Net Margin	20.2%	-83.6%	25.6%	6.9%	23.6%	30.5%	23.2%	7.9%
EPS (Diluted)	$0.21	$-0.82	$0.27	$0.07	$0.24	$0.34	$0.25	$0.08
EBITDA	$1M	-$5M	$4M	$2M	$4M	$5M	$5M	$9M
Shares Outstanding	8M	8M	8M	8M	8M	8M	8M	8M

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