$46.56

+0.56 (+1.22%)

After Hours: $46.31 (-0.25, -0.53%)

Weekly Expected Move ±1.3%

$45 $45 $46 $47 $47

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 56 · $186.2M mcap · 3M float · 0.428% daily turnover · Short 15% 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.

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions Dark Pool Short Interest Supply Chain

Income Trends

Revenue

$97M +7.0% ▲

5Y CAGR: +13.7%

Gross Profit

$55M +11.3% ▲

5Y CAGR: +4.9%

Operating Income

$18M +24.9% ▲

5Y CAGR: +4.1%

Net Income

$14M +23.1% ▲

5Y CAGR: +3.1%

EPS (Diluted)

$3.78 +21.5% ▲

5Y CAGR: +2.0%

EBITDA

$20M +21.4% ▲

5Y CAGR: +3.1%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$57M	$58M	$74M	$91M	$97M
YoY Growth	+15.7%	-3.2%	-8.7%	+98.5%	+7.0%
Cost of Revenue	$5M	$7M	$28M	$41M	$42M
Gross Profit	$51M	$51M	$46M	$50M	$55M
Gross Margin	91.0%	87.8%	62.0%	54.8%	57.0%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$19M	$19M	$21M	$22M	$23M
Operating Expenses	$31M	$31M	$34M	$35M	$38M
Operating Income	$20M	$20M	$12M	$14M	$18M
Operating Margin	36.2%	33.7%	15.9%	15.8%	18.4%
Interest Expense	$5M	$8M	$29M	$41M	$41M
Income Before Tax	$20M	$20M	$12M	$14M	$18M
Tax Expense	$4M	$4M	$2M	$3M	$4M
Net Income	$16M	$16M	$9M	$11M	$14M
Net Margin	29.2%	27.4%	12.8%	12.6%	14.5%
EPS (Diluted)	$4.64	$4.47	$2.63	$3.11	$3.78
EBITDA	$22M	$21M	$14M	$16M	$20M
Shares Outstanding	4M	4M	4M	4M	4M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$24M	$24M	$25M	$25M	$23M	$23M	$33M	$0
Cost of Revenue	$11M	$11M	$10M	$11M	$10M	$10M	$13M	$0
Gross Profit	$13M	$13M	$14M	$15M	$14M	$13M	$20M	$0
Gross Margin	54.0%	52.9%	58.4%	58.2%	58.5%	57.0%	61.8%	—
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$6M	$5M	$6M	$6M	$6M	$8M	$10M	$0
Operating Expenses	$9M	$9M	$10M	$10M	$8M	$9M	$16M	$0
Operating Income	$4M	$3M	$5M	$5M	$5M	$3M	$4M	$0
Operating Margin	15.9%	13.5%	19.7%	18.0%	22.5%	15.4%	11.7%	—
Interest Expense	$11M	$11M	$10M	$11M	$10M	$9M	$12M	$0
Income Before Tax	$4M	$3M	$5M	$5M	$5M	$3M	$4M	-$15M
Tax Expense	$743K	$624K	$1M	$922K	$1M	$707K	$817K	$0
Net Income	$3M	$3M	$4M	$4M	$4M	$3M	$3M	-$15M
Net Margin	12.8%	10.8%	15.7%	14.4%	17.0%	12.3%	9.2%	—
EPS (Diluted)	$0.83	$0.69	$1.04	$0.98	$1.06	$0.73	$0.60	$1.30
EBITDA	$4M	$4M	$5M	$5M	$6M	$4M	$17M	$0
Shares Outstanding	4M	4M	4M	4M	4M	4M	5M	6M

QNBC NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

Sign in to InsiderStreet