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Management s Discussion and Analysis of Financial Condition and Results of Operations and elsewhere in this Annual Report and in our other filings with the SEC. Any forward-looking statement speaks only as of the date on which it is made, and we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to …
373.97% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 24.9% YoY. For a bank, this often signals contracting loan book or reduced fee income.
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)
$36M
▼ -24.9% YoY
Net Income (TTM)
$106M
▼ -7.8% YoY
Net Margin
294.63%
P/E
—
Balance Sheet
Total Assets
$12.61B
Equity
$1.66B
Total Debt
$202M
Cash & Equiv.
$473M
5Y CAGR: +14.7%
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