$40.77

+0.06 (+0.15%)

Weekly Expected Move ±6.2%

$35 $38 $40 $43 $45

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 40 · $259.7M mcap · 6M float · 0.565% 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.

Income Trends

Revenue

$85M +7.9% ▲

5Y CAGR: +10.4%

Gross Profit

$56M +25.9% ▲

5Y CAGR: +4.7%

Operating Income

$19M +110.1% ▲

5Y CAGR: +0.0%

Net Income

$16M +107.6% ▲

5Y CAGR: -0.3%

EPS (Diluted)

$2.49 +100.8% ▲

5Y CAGR: +0.1%

EBITDA

$19M +86.8% ▲

5Y CAGR: -0.7%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$53M	$63M	$68M	$79M	$85M
YoY Growth	+2.8%	+17.0%	+9.1%	+16.0%	+7.9%
Cost of Revenue	$3M	$4M	$20M	$35M	$30M
Gross Profit	$51M	$59M	$48M	$44M	$56M
Gross Margin	94.9%	93.9%	70.2%	55.8%	65.1%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$16M	$17M	$18M	$20M	$24M
Operating Expenses	$26M	$27M	$29M	$35M	$36M
Operating Income	$25M	$32M	$19M	$9M	$19M
Operating Margin	46.1%	50.8%	27.4%	11.5%	22.5%
Interest Expense	$3M	$3M	$22M	$34M	$30M
Income Before Tax	$25M	$32M	$19M	$9M	$19M
Tax Expense	$4M	$6M	$3M	$1M	$3M
Net Income	$20M	$26M	$16M	$8M	$16M
Net Margin	38.2%	41.5%	23.0%	9.6%	18.6%
EPS (Diluted)	$3.28	$4.33	$2.66	$1.24	$2.49
EBITDA	$25M	$32M	$19M	$10M	$19M
Shares Outstanding	6M	6M	6M	6M	6M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$21M	$21M	$21M	$21M	$22M	$22M	$7M	$23M
Cost of Revenue	$8M	$8M	$8M	$8M	$6M	$6M	$6M	$7M
Gross Profit	$12M	$13M	$13M	$14M	$16M	$15M	$671K	$16M
Gross Margin	59.9%	60.4%	63.6%	64.4%	71.7%	71.1%	9.7%	70.4%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$5M	$5M	$5M	$6M	$6M	$7M	$7M	$8M
Operating Expenses	$9M	$9M	$11M	$8M	$9M	$9M	$7M	$9M
Operating Income	$4M	$4M	$3M	$5M	$7M	$6M	-$6M	$7M
Operating Margin	17.9%	18.8%	12.7%	25.1%	32.6%	28.0%	-87.4%	29.7%
Interest Expense	$8M	$8M	$8M	$7M	$7M	$6M	$6M	$6M
Income Before Tax	$4M	$4M	$3M	$5M	$7M	$6M	$6M	$7M
Tax Expense	$608K	$666K	$362K	$961K	$1M	$1M	$1M	$1M
Net Income	$3M	$3M	$2M	$4M	$6M	$5M	$5M	$5M
Net Margin	15.0%	15.6%	11.0%	20.6%	26.5%	23.0%	72.7%	24.0%
EPS (Diluted)	$0.48	$0.51	$0.36	$0.69	$0.92	$0.78	$0.79	$0.86
EBITDA	$4M	$4M	$3M	$5M	$8M	$6M	-$6M	$13M
Shares Outstanding	6M	6M	6M	6M	6M	6M	6M	6M

NKSH NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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