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State commercial banks company · NV · FY ends Dec · $5M FCF
Net margin is thin at 1.70%. This may reflect rising credit costs, rate compression, or operational inefficiency.
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 (FY)
$1.23B
Net Income (TTM)
$18M
▲ +12.3% YoY
Net Margin
—
P/E
—
Balance Sheet
Total Assets
$1.39B
Equity
$168M
Total Debt
$6M
Cash & Equiv.
$108M
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