$102.44

-0.99 (-0.96%)

Pre-Market: $102.31 (-0.13, -0.13%)

Weekly Expected Move ±2.9%

$97 $100 $103 $106 $109

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Buy · Power 71 · $674.5M mcap · 5M float · 1.43% daily turnover · Short 65% 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

$170M +8.3% ▲

5Y CAGR: +11.3%

Gross Profit

$123M +14.5% ▲

5Y CAGR: +7.8%

Operating Income

$53M +25.4% ▲

5Y CAGR: +9.0%

Net Income

$43M +24.9% ▲

5Y CAGR: +8.7%

EPS (Diluted)

$6.38 +28.9% ▲

5Y CAGR: +10.7%

EBITDA

$53M +16.5% ▲

5Y CAGR: +7.6%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$101M	$112M	$139M	$157M	$170M
YoY Growth	+1.3%	+11.6%	+23.3%	+13.0%	+8.3%
Cost of Revenue	$8M	$9M	$33M	$49M	$47M
Gross Profit	$93M	$103M	$106M	$108M	$123M
Gross Margin	92.5%	91.6%	76.3%	68.7%	72.5%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$33M	$36M	$39M	$40M	$49M
Operating Expenses	$53M	$58M	$63M	$65M	$70M
Operating Income	$40M	$45M	$43M	$42M	$53M
Operating Margin	39.7%	40.0%	31.0%	27.0%	31.3%
Interest Expense	$6M	$8M	$32M	$48M	$44M
Income Before Tax	$40M	$45M	$43M	$42M	$53M
Tax Expense	$7M	$8M	$8M	$8M	$10M
Net Income	$33M	$37M	$35M	$34M	$43M
Net Margin	32.7%	32.8%	25.1%	21.8%	25.2%
EPS (Diluted)	$4.51	$5.13	$4.86	$4.95	$6.38
EBITDA	$43M	$48M	$46M	$46M	$53M
Shares Outstanding	7M	7M	7M	7M	7M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$40M	$40M	$41M	$41M	$43M	$44M	$44M	$44M
Cost of Revenue	$13M	$12M	$12M	$11M	$12M	$12M	$11M	$11M
Gross Profit	$27M	$28M	$29M	$30M	$31M	$32M	$32M	$33M
Gross Margin	68.2%	69.6%	71.6%	72.3%	72.2%	73.5%	73.7%	74.8%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$10M	$10M	$10M	$11M	$11M	$13M	$12M	$13M
Operating Expenses	$16M	$17M	$17M	$17M	$18M	$18M	$17M	$18M
Operating Income	$11M	$12M	$13M	$13M	$13M	$14M	$15M	$15M
Operating Margin	27.0%	28.6%	31.3%	31.0%	31.2%	32.1%	34.2%	33.3%
Interest Expense	$12M	$12M	$11M	$11M	$11M	$11M	$11M	$10M
Income Before Tax	$11M	$12M	$13M	$13M	$13M	$14M	$15M	$15M
Tax Expense	$2M	$2M	$2M	$3M	$3M	$3M	$3M	$3M
Net Income	$9M	$9M	$10M	$10M	$11M	$11M	$12M	$12M
Net Margin	21.9%	23.1%	25.2%	24.8%	25.2%	25.9%	27.4%	26.7%
EPS (Diluted)	$1.27	$1.37	$1.52	$1.51	$1.63	$1.73	$1.81	$1.78
EBITDA	$12M	$12M	$14M	$14M	$14M	$15M	$16M	$16M
Shares Outstanding	7M	7M	7M	7M	7M	7M	7M	7M

RRBI NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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