$31.77

-0.05 (-0.16%)

Weekly Expected Move ±2.4%

$30 $31 $32 $33 $33

NYSE · Financial Services · Banks - Regional · Tech Score Buy · Power 56 · $947.0M mcap · 28M float · 0.500% daily turnover · Short 59% 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

$419M -8.1% ▼

5Y CAGR: +8.3%

Gross Profit

$234M -8.1% ▼

5Y CAGR: +1.5%

Operating Income

$83M -23.0% ▼

5Y CAGR: -2.4%

Net Income

$69M -21.8% ▼

5Y CAGR: -3.4%

EPS (Diluted)

$2.29 -21.6% ▼

5Y CAGR: -1.5%

EBITDA

$83M -29.7% ▼

5Y CAGR: -4.7%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$265M	$294M	$396M	$456M	$419M
YoY Growth	-5.8%	+10.7%	+34.6%	+15.3%	-8.1%
Cost of Revenue	$9M	$44M	$154M	$202M	$185M
Gross Profit	$256M	$250M	$242M	$255M	$234M
Gross Margin	96.4%	85.1%	61.1%	55.8%	55.8%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$84M	$88M	$93M	$97M	$6M
Operating Expenses	$125M	$130M	$141M	$147M	$151M
Operating Income	$131M	$120M	$101M	$107M	$83M
Operating Margin	49.3%	40.7%	25.6%	23.5%	19.7%
Interest Expense	$26M	$41M	$145M	$198M	$182M
Income Before Tax	$131M	$120M	$101M	$107M	$83M
Tax Expense	$17M	$15M	$14M	$19M	$13M
Net Income	$113M	$105M	$87M	$88M	$69M
Net Margin	42.7%	35.7%	21.9%	19.4%	16.5%
EPS (Diluted)	$3.47	$3.26	$2.82	$2.92	$2.29
EBITDA	$142M	$131M	$112M	$118M	$83M
Shares Outstanding	33M	32M	31M	30M	30M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$113M	$115M	$110M	$110M	$118M	$108M	$113M	$118M
Cost of Revenue	$53M	$49M	$47M	$45M	$92M	$46M	$46M	$47M
Gross Profit	$61M	$66M	$63M	$65M	$26M	$62M	$67M	$71M
Gross Margin	53.6%	57.1%	57.1%	59.3%	22.3%	57.7%	59.4%	60.4%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$24M	$25M	$24M	$24M	$21M	$25M	$28M	$33M
Operating Expenses	$36M	$39M	$37M	$39M	$21M	$37M	$39M	$39M
Operating Income	$25M	$26M	$26M	$27M	$5M	$25M	$28M	$33M
Operating Margin	22.0%	23.0%	23.8%	24.1%	4.3%	23.0%	25.0%	27.7%
Interest Expense	$50M	$48M	$46M	$44M	$46M	$45M	$45M	$47M
Income Before Tax	$25M	$26M	$26M	$27M	$5M	$25M	$28M	$33M
Tax Expense	$4M	$5M	$5M	$5M	$189K	$4M	$5M	$6M
Net Income	$21M	$22M	$22M	$22M	$5M	$21M	$23M	$27M
Net Margin	18.1%	18.9%	19.5%	19.8%	4.1%	19.4%	20.5%	22.8%
EPS (Diluted)	$0.68	$0.72	$0.71	$0.72	$0.16	$0.70	$0.78	$0.90
EBITDA	$27M	$29M	$29M	$29M	$46M	$28M	$31M	$35M
Shares Outstanding	30M	30M	30M	30M	30M	30M	30M	30M

SBSI NYSE

Income Trends

Profit Margins

Year-over-Year Growth

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