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Commercial banks, nec company · NJ · FY ends Dec · Revenue $275M · $64M FCF
Net margin is thin at 14.39%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 17.6% 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)
$275M
▲ +17.6% YoY
Net Income (TTM)
$44M
▲ +13.2% YoY
Net Margin
15.97%
P/E
—
Balance Sheet
Total Assets
$7.70B
Equity
$699M
Total Debt
$106M
Cash & Equiv.
$253M
5Y CAGR: +10.6%
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