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State commercial banks company · MI · FY ends Dec · Revenue $240M · $34M FCF
Net margin is thin at 13.24%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 53.7% 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)
$240M
▲ +53.7% YoY
Net Income (TTM)
$56M
▲ +5.4% YoY
Net Margin
23.23%
P/E
—
Balance Sheet
Total Assets
$4.39B
Equity
$470M
Total Debt
$0.00
Cash & Equiv.
$84M
3Y CAGR: +33.8%
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