Investment Thesis
Company shows strong profitability metrics with 38% net margin and solid revenue growth of 32.8% YoY, supported by zero long-term debt and positive free cash flow. However, analysis is severely constrained by extremely stale data (June 2017), lack of current operational context, and missing critical banking sector metrics that would be essential for evaluating a commercial bank's true financial health.
Strengths
- Strong net profit margin of 38% demonstrates operational efficiency
- Revenue growth of 32.8% YoY indicates expanding business activity
- Zero long-term debt provides balance sheet strength and financial flexibility
- Positive operating cash flow of 44.3M shows cash generation capability
- Substantial equity base of 196.1M relative to banking operations
Risks
- Data is nearly 9 years old (June 2017), making analysis unreliable for current conditions
- Missing critical banking metrics: loan-to-deposit ratio, non-performing loan ratio, loan loss reserves, and capital adequacy ratios
- No insider trading activity in 90 days suggests limited management confidence or disclosure
- Low ROE of 5.7% and ROA of 1.6% are concerning for a commercial bank's capital efficiency
- Absence of operational margin data and key banking fundamentals limits comprehensive assessment
Key Metrics to Watch
- Non-performing loan ratio and loan loss reserve adequacy
- Net interest margin and loan-to-deposit ratio
- Updated financial statements with current profitability and capital ratios
Financial Metrics
Revenue
29.2M
Net Income
11.1M
EPS (Diluted)
$1.08
Free Cash Flow
44.3M
Total Assets
715.6M
Cash
96.1M
Profitability Ratios
Gross Margin
68.5%
Operating Margin
N/A
Net Margin
38.0%
ROE
5.7%
ROA
1.6%
FCF Margin
151.6%
Balance Sheet & Liquidity
Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
0.00x
Debt/Assets
72.6%
Interest Coverage
N/A
Long-term Debt
0.0
Disclaimer: This analysis is generated by AI based on publicly available SEC EDGAR filings.
It does not include stock price data and should not be considered financial advice.
All fundamental data is sourced from SEC public domain filings.
Always conduct your own research before making investment decisions.
Data Source: SEC EDGAR |
Analysis Date: 2026-03-22T05:28:11.566266 |
Data as of: 2017-06-30 |
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