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 2/5 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
- 1 filing risk check 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 +6.4% 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 turned positive
Latest reported free cash flow was $61M.
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- Debit Card$991Kshare n/a+14.2% yoy
- Interchange Income And Card Fees$991Kshare n/a+14.2% yoy
- Deposit Account$890Kshare n/a+5.2% yoy
- Service Charges On Deposit Accounts$890Kshare n/a+5.2% yoy
- Other Noninterest Income$104Kshare n/a-31.1% yoy
member sum exceeds the consolidated figure: this axis carries more than one breakdown, so shares are not computed.
- Interchange Income And Card Fees$273Kshare n/a+2.6% yoy
- Debit Card$273Kshare n/a+2.6% yoy
- Deposit Account$232Kshare n/a+10.0% yoy
- Service Charges On Deposit Accounts$232Kshare n/a+10.0% yoy
- Other Noninterest Income$14Kshare n/a-30.0% yoy
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 3,990 US-listed filers · 819 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $2M | 5thof 3,301 bottom third | 6thof 540 bottom third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | 6.4% | 50thof 3,137 middle third | 47thof 517 middle third |
Net margin net income ÷ revenue | 1254.0% | 99thof 3,263 top third | 97thof 533 top third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | 3088.1% | 100thof 2,679 top third | 99thof 306 top third |
Return on equity net income ÷ stockholders' equity (positive equity only) | 9.6% | 65thof 3,576 middle third | 56thof 772 middle 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
Not available for COSO yet: Earnings-quality fields arrive with this issuer's next re-crawl (sec_screen_v6)..
Point-in-time ledger
Not available for COSO yet: The point-in-time ledger arrives with this issuer's next re-crawl (sec_screen_v6)..
Notes by disclosure type
Not available for COSO 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.