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
Constructive evidenceCoverage 2/5 core metrics1 filing-based checks were evaluable.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- No current rule-based risk flags
1 filing-based checks were evaluable.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
- Free cash flow was positive
Latest reported free cash flow was $28M.
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
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- Commodity Sales$16.2M52.2%+24.1% yoy
- Bank Servicing$10.5M34.0%+5.3% yoy
- Debit Card$2.62M8.5%+3.1% yoy
- Deposit Account$1.66M5.3%+0.6% yoy
No consolidated figure stored for this period; shares are of the filed sum.
- Bank Servicing$2.43M43.3%+14.5% yoy
- Commodity Sales$2.15M38.3%-7.0% yoy
- Debit Card$628K11.2%+5.9% yoy
- Deposit Account$408K7.3%+4.9% 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 4,058 US-listed filers · 868 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Return on equity net income ÷ stockholders' equity (positive equity only) | 7.7% | 59thof 3,577 middle third | 45thof 773 middle third |
Net debt ÷ operating cash flow net debt ÷ operating cash flow (OCF > 0) · lower is ranked higher | -0.6× | 86thof 1,547 top third | 73rdof 296 top 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 EBMT yet: Earnings-quality fields arrive with this issuer's next re-crawl (sec_screen_v6)..
Point-in-time ledger
Not available for EBMT yet: The point-in-time ledger arrives with this issuer's next re-crawl (sec_screen_v6)..
Notes by disclosure type
Not available for EBMT 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.