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State commercial banks company · PA · FY ends Dec · Revenue $200M · $79M FCF
19.86% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 38.6% YoY.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$200M
▲ +38.6% YoY
Net Income (TTM)
$51M
▲ +16.3% YoY
Net Margin
25.56%
P/E
—
Balance Sheet
Total Assets
$3.27B
Equity
$425M
Total Debt
$284M
Cash & Equiv.
$94M
3Y CAGR: +19.7%
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