Our expectations, beliefs, estimates and projections are expressed in good faith and we believe there is a reasonable basis for them. These principal risks, uncertainties and other important factors are discussed more fully under Item 1A.
The institution is unprofitable. This typically signals severe credit losses or a business in transition.
Revenue growth slowed to 3.0%, essentially flat. This is a business that needs a catalyst.
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)
$490M
▲ +3.0% YoY
Net Income (TTM)
-$12.17B
▼ -229.8% YoY
Net Margin
-2482.01%
P/E
—
Balance Sheet
Total Assets
$54.27B
Equity
$36.65B
Total Debt
$8.26B
Cash & Equiv.
$2.21B
5Y CAGR: -0.1%
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