$38.45

+0.03 (+0.08%)

After Hours: $38.41 (-0.04, -0.10%)

Weekly Expected Move ±2.7%

$36 $37 $38 $39 $40

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 66 · $515.1M mcap · 11M float · 0.594% daily turnover · Short 49% 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

$158M +10.5% ▲

5Y CAGR: +19.7%

Gross Profit

$119M +19.6% ▲

5Y CAGR: +17.1%

Operating Income

$52M +48.1% ▲

5Y CAGR: +28.8%

Net Income

$42M +49.2% ▲

5Y CAGR: +28.9%

EPS (Diluted)

$3.33 +34.8% ▲

5Y CAGR: +20.7%

EBITDA

$53M +44.4% ▲

5Y CAGR: +27.0%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$76M	$96M	$131M	$143M	$158M
YoY Growth	+18.0%	+26.3%	+36.5%	+9.2%	+10.5%
Cost of Revenue	$6M	$16M	$37M	$43M	$39M
Gross Profit	$70M	$80M	$94M	$100M	$119M
Gross Margin	91.6%	83.7%	71.6%	69.8%	75.5%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$26M	$32M	$37M	$40M	$43M
Operating Expenses	$43M	$50M	$57M	$65M	$68M
Operating Income	$27M	$30M	$37M	$35M	$52M
Operating Margin	35.1%	31.5%	28.3%	24.3%	32.6%
Interest Expense	$4M	$6M	$29M	$35M	$31M
Income Before Tax	$27M	$30M	$37M	$35M	$52M
Tax Expense	$5M	$6M	$8M	$7M	$10M
Net Income	$21M	$24M	$29M	$28M	$42M
Net Margin	28.0%	25.4%	22.5%	19.5%	26.3%
EPS (Diluted)	$2.14	$2.17	$2.62	$2.47	$3.33
EBITDA	$28M	$32M	$39M	$37M	$53M
Shares Outstanding	10M	11M	11M	11M	13M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$36M	$36M	$36M	$41M	$41M	$40M	$34M	$35M
Cost of Revenue	$16M	$9M	$8M	$10M	$11M	$9M	$7M	$5M
Gross Profit	$20M	$27M	$28M	$30M	$30M	$31M	$28M	$30M
Gross Margin	56.0%	75.1%	76.6%	74.8%	72.3%	78.7%	81.1%	85.4%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$10M	$10M	$10M	$10M	$11M	$11M	$18M	$15M
Operating Expenses	$16M	$18M	$16M	$17M	$17M	$18M	$17M	$16M
Operating Income	$4M	$9M	$11M	$14M	$13M	$14M	$10M	$14M
Operating Margin	11.3%	24.6%	31.1%	33.5%	31.5%	34.1%	30.3%	40.5%
Interest Expense	$8M	$9M	$8M	$8M	$8M	$7M	$7M	$6M
Income Before Tax	$4M	$9M	$11M	$14M	$13M	$14M	$15M	$12M
Tax Expense	$788K	$2M	$3M	$3M	$3M	$1M	$3M	-$2M
Net Income	$3M	$7M	$9M	$10M	$10M	$12M	$11M	$14M
Net Margin	9.0%	19.6%	24.0%	25.8%	24.3%	31.1%	32.8%	39.1%
EPS (Diluted)	$0.28	$0.63	$0.77	$0.87	$0.75	$0.93	$0.85	$1.02
EBITDA	$4M	$10M	$12M	$14M	$13M	$14M	$10M	$14M
Shares Outstanding	11M	11M	11M	12M	13M	13M	13M	13M

OBT NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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