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State commercial banks company · PA · FY ends Dec · Revenue $178M · $24M FCF
18.79% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 6.6% 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)
$178M
▲ +6.6% YoY
Net Income (TTM)
$34M
▲ +27.9% YoY
Net Margin
18.79%
P/E
—
Balance Sheet
Total Assets
$3.07B
Equity
$306M
Total Debt
$268M
Cash & Equiv.
$52M
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