Financial Analysis
Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data
Filing evidence summary
Mixed evidenceCoverage 3/5 core metricsFlagged areas: Dilution.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- 2 filing risk checks flagged
Flagged areas: Dilution.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
- Revenue expanded
Latest reported annual revenue changed +4.2% from the prior reported annual observation.
Why this surfaced
Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2025-12-31.
- Free cash flow was positive
Latest reported free cash flow was $235M.
Why this surfaced
Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2025-12-31.
Core trend metrics
Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.
Where to look next
Risk checks
- Dilution
Financial movement
- Cash→ flat
- Long-term debt→ flat
- Inventory→ flat
- Receivables→ flat
- Current assets→ flat
Source & freshness
- Source
- SEC EDGAR XBRL
- Fetched
- 2026-09-06
- Latest period end
- 2025-12-31
- Filings
- EDGAR ↗
Reported segment mix
figures as filed · share of the filed sum · change vs the prior period in the same filing- Noninterest Income$38.8Mshare n/a+4.2% yoy
- Service Charges On Deposit Accounts$19.1Mshare n/a+3.0% yoy
- Other Commissions And Fees$19.1Mshare n/a+5.7% yoy
- Other$560Kshare n/a-4.9% yoy
- Dividends And Gains Losses On Equity Investments$0share n/ano prior
- Gain On Sale Of Securities$0share n/ano prior
- Gain On Sale Of Loans$0share n/ano prior
- Lease Equipment Income$0share n/ano prior
- +3 more members in the filing
member sum exceeds the consolidated figure: this axis carries more than one breakdown, so shares are not computed.
- Noninterest Income$10.1Mshare n/ano prior
- Other Commissions And Fees$5.13Mshare n/ano prior
- Service Charges On Deposit Accounts$4.98Mshare n/ano prior
- Other$1Kshare n/ano prior
- Dividends And Gains Losses On Equity Investments$0share n/ano prior
- Interest$0share n/ano prior
- +3 more members in the filing
Change is against the same quarter a year earlier, as reported in the same 10-Q.
Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.
Peer percentiles
latest fiscal year ending 2025-12-31 · among 4,058 US-listed filers · 868 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $39M | 19thof 3,301 bottom third | 25thof 540 bottom third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | 4.2% | 43rdof 3,137 middle third | 38thof 517 middle third |
Net margin net income ÷ revenue | 590.2% | 99thof 3,263 top third | 94thof 533 top third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | 605.2% | 99thof 2,679 top third | 93rdof 306 top third |
Return on equity net income ÷ stockholders' equity (positive equity only) | 6.5% | 55thof 3,577 middle third | 38thof 773 middle third |
Net debt ÷ operating cash flow net debt ÷ operating cash flow (OCF > 0) · lower is ranked higher | -1.0× | 89thof 1,547 top third | 77thof 296 top third |
Cash conversion operating cash flow ÷ net income (net income > 0) | 1.1× | 26thof 1,954 bottom third | 42ndof 574 middle third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | -0.1% | 18thof 2,770 bottom third | 32ndof 649 bottom third |
Balance-sheet accrual ratio change in net operating assets ÷ average net operating assets · lower is ranked higher | 31.9% | 20thof 2,345 bottom third | 23rdof 604 bottom third |
Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.
Earnings quality
latest fiscal year ending 2025-12-31 · accruals and cash conversion as filedPer fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.
Point-in-time ledger
first-reported vs latest filing · periods since 2020-01-01 · 34 changed periods, 30 largest shown| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Net income NetIncomeLoss | quarter 2023-03-31 | $20.3M 10-Q 2023-05-08 | -$1.2B 10-Q 2024-11-08 | -5995.2% | first · latest · 5 filings carry it |
| Cash CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents | balance at 2023-06-30 | $284M 10-Q 2023-08-08 | $6.7B 10-Q 2024-08-09 | +2260.8% | first · latest |
| Cash CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents | balance at 2023-09-30 | $311M 10-Q 2023-11-09 | $6.07B 10-Q 2024-11-08 | +1851.8% | first · latest |
| Cash CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents | balance at 2021-12-31 | $228M 10-K 2022-03-01 | $4.06B 10-K 2025-03-03 | +1678.5% | first · latest · 10 filings carry it |
| Goodwill Goodwill | balance at 2021-12-31 | $94.3M 10-K 2022-03-01 | $1.41B 10-K 2024-02-29 | +1390.7% | first · latest · 9 filings carry it |
| Cash CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents | balance at 2020-12-31 | $221M 10-K 2021-02-26 | $3.16B 10-K 2024-02-29 | +1331.3% | first · latest · 10 filings carry it |
| Net income NetIncomeLoss | quarter 2023-06-30 | $17.9M 10-Q 2023-08-08 | -$197M 10-Q 2024-11-08 | -1204.2% | first · latest · 4 filings carry it |
| Goodwill Goodwill | balance at 2022-12-31 | $114M 10-K 2023-02-27 | $1.38B 10-K 2025-03-03 | +1104.4% | first · latest · 6 filings carry it |
| Cash CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents | balance at 2022-12-31 | $229M 10-K 2023-02-27 | $2.24B 10-K 2026-02-27 | +878.7% | first · latest · 10 filings carry it |
| Net income NetIncomeLoss | fiscal year 2021-12-31 | $62.3M 10-K 2022-03-01 | $607M 10-K 2024-02-29 | +873.5% | first · latest · 3 filings carry it |
| Interest expense InterestExpense | quarter 2023-06-30 | $46.5M 10-Q 2023-08-08 | $354M 10-Q 2024-08-09 | +660.6% | first · latest · 3 filings carry it |
| Interest expense InterestExpense | quarter 2023-03-31 | $33.9M 10-Q 2023-05-08 | $239M 10-Q 2024-05-10 | +604.3% | first · latest · 3 filings carry it |
| Interest expense InterestExpense | quarter 2023-09-30 | $47M 10-Q 2023-11-09 | $315M 10-Q 2024-11-08 | +570.9% | first · latest |
| Cash CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents | balance at 2023-03-31 | $1.01B 10-Q 2023-05-08 | $6.68B 10-Q 2024-05-10 | +560.8% | first · latest |
| Capital expenditure PaymentsToAcquirePropertyPlantAndEquipment | fiscal year 2021-12-31 | $2.81M 10-K 2022-03-01 | $17.3M 10-K 2024-02-29 | +514.3% | first · latest · 3 filings carry it |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | quarter 2023-03-31 | $11.1M 10-Q 2023-05-08 | -$37M 10-Q 2024-05-10 | -434.2% | first · latest |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | fiscal year 2022-12-31 | $136M 10-K 2023-02-27 | $702M 10-K 2025-03-03 | +415.7% | first · latest · 3 filings carry it |
| Capital expenditure PaymentsToAcquirePropertyPlantAndEquipment | fiscal year 2022-12-31 | $4.12M 10-K 2023-02-27 | $20.1M 10-K 2025-03-03 | +388.7% | first · latest · 3 filings carry it |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | fiscal year 2021-12-31 | $106M 10-K 2022-03-01 | $503M 10-K 2024-02-29 | +375.7% | first · latest · 3 filings carry it |
| Interest expense InterestExpense | fiscal year 2022-12-31 | $58.4M 10-K 2023-02-27 | $266M 10-K 2025-03-03 | +355.0% | first · latest · 3 filings carry it |
| Total liabilities Liabilities | balance at 2022-12-31 | $8.24B 10-K 2023-02-27 | $37.3B 10-K 2024-02-29 | +352.6% | first · latest · 5 filings carry it |
| Total assets Assets | balance at 2022-12-31 | $9.2B 10-K 2023-02-27 | $41.2B 10-K 2024-02-29 | +348.3% | first · latest · 5 filings carry it |
| Revenue RevenueFromContractWithCustomerExcludingAssessedTax | fiscal year 2021-12-31 | $5.96M 10-K 2022-03-01 | $24.8M 10-K 2024-02-29 | +316.6% | first · latest |
| Stockholders' equity StockholdersEquity | balance at 2022-12-31 | $960M 10-K 2023-02-27 | $3.95B 10-K 2026-02-27 | +311.7% | first · latest · 10 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2020-12-31 | $897M 10-K 2021-02-26 | $3.59B 10-K 2024-02-29 | +300.7% | first · latest · 10 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2021-12-31 | $1.07B 10-K 2022-03-01 | $4B 10-K 2025-03-03 | +275.4% | first · latest · 10 filings carry it |
| Capital expenditure PaymentsToAcquirePropertyPlantAndEquipment | quarter 2023-03-31 | $2.63M 10-Q 2023-05-08 | $9.24M 10-Q 2024-05-10 | +251.2% | first · latest |
| Net income NetIncomeLoss | fiscal year 2022-12-31 | $121M 10-K 2023-02-27 | $424M 10-K 2025-03-03 | +250.3% | first · latest · 3 filings carry it |
| Stock-based compensation ShareBasedCompensation | quarter 2023-03-31 | $1.46M 10-Q 2023-05-08 | $4.98M 10-Q 2024-05-10 | +242.5% | first · latest |
| Stockholders' equity StockholdersEquity | balance at 2023-03-31 | $959M 10-Q 2023-05-08 | $2.77B 10-Q 2024-11-08 | +189.0% | first · latest · 5 filings carry it |
First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.
Notes by disclosure type
Not available for BANC yet: no footnote text blocks on file for this filer in the ingested DERA files.
Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.