Investment Thesis
Interest coverage of 0.6x indicates the bank cannot cover interest expense from operating income, signaling financial distress. Critically weak returns (ROA 0.3%, ROE 3.1%) reveal operational inefficiency for a $2.7B asset bank. Severe data quality issues with revenue reporting limit assessment confidence but available fundamentals suggest fundamental weakness.
Strengths
- Positive net income growth (23.9% YoY) and diluted EPS growth (23.7% YoY)
- Debt/Equity ratio of 0x indicates no long-term debt burden typical for banks
- Positive operating cash flow ($7.7M) and free cash flow ($7.6M)
Risks
- Interest coverage of 0.6x critically low—operating income cannot cover interest expense, indicating severe debt service pressure
- Return on Assets (0.3%) and Return on Equity (3.1%) are alarmingly weak for banking sector (healthy banks target ROA 1%+ and ROE 10%+)
- Revenue data quality severely compromised (463K for $2.7B asset bank); margin percentages mathematically impossible, limiting reliable fundamental analysis
Key Metrics to Watch
- Interest coverage ratio (must improve above 1.0x immediately)
- Return on Assets and Return on Equity trends in next quarterly reports
- Deposit trends and loan portfolio composition to assess core operational health
Financial Metrics
Revenue
463.0K
Net Income
7.2M
EPS (Diluted)
$0.48
Free Cash Flow
7.6M
Total Assets
2.7B
Cash
160.3M
Profitability Ratios
Gross Margin
N/A
Operating Margin
2,140.4%
Net Margin
1,562.4%
ROE
3.1%
ROA
0.3%
FCF Margin
1,642.1%
Balance Sheet & Liquidity
Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
0.00x
Debt/Assets
91.4%
Interest Coverage
0.59x
Long-term Debt
N/A
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: 2026-05-16T06:13:51.206171 |
Data as of: 2026-03-31 |
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