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
- 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 +13.9% 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 $24M.
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- Service Charges On Deposit Accounts$1.25M71.4%+10.8% yoy
- Fees Exchange And Other Service Charges$500K28.6%+36.2% yoy
Members sum to the consolidated $1.78M for this period.
- Service Charges On Deposit Accounts$361K80.8%+33.7% yoy
- Fees Exchange And Other Service Charges$86K19.2%-14.0% 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 4,122 US-listed filers · 907 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $2M | 5thof 3,301 bottom third | 5thof 541 bottom third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | 13.9% | 69thof 3,135 top third | 67thof 518 top third |
Net margin net income ÷ revenue | 1238.5% | 99thof 3,263 top third | 97thof 534 top third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | 1337.0% | 100thof 2,679 top third | 97thof 307 top third |
Return on equity net income ÷ stockholders' equity (positive equity only) | 8.7% | 62ndof 3,577 middle third | 49thof 774 middle third |
Stock comp ÷ revenue stock-based compensation ÷ revenue · lower is ranked higher | 48.0% | 10thof 2,895 bottom third | 12thof 422 bottom third |
Cash conversion operating cash flow ÷ net income (net income > 0) | 1.1× | 28thof 2,183 bottom third | 43rdof 673 middle third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | -0.1% | 20thof 3,577 bottom third | 35thof 804 middle third |
Balance-sheet accrual ratio change in net operating assets ÷ average net operating assets · lower is ranked higher | 8.7% | 41stof 3,059 middle third | 48thof 734 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
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 · 17 changed periods| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2022-03-31 | 13,833 shares 10-Q 2022-05-12 | 17,292,000 shares 10-Q 2023-05-11 | +124905.4% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2022-06-30 | 14,870 shares 10-Q 2022-08-10 | 18,587,000 shares 10-Q 2023-08-11 | +124896.6% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2022-03-31 | 14,714 shares 10-Q 2022-05-12 | 18,392,000 shares 10-Q 2023-05-11 | +124896.6% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2022-06-30 | 13,970 shares 10-Q 2022-08-10 | 17,462,000 shares 10-Q 2023-08-11 | +124896.4% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2021-09-30 | 14,612 shares 10-Q 2021-11-10 | 14,612,000 shares 10-Q 2022-11-09 | +99900.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | fiscal year 2023-12-31 | 18,231 shares 10-K 2024-03-21 | 18,231,000 shares 10-K 2025-03-20 | +99900.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2024-06-30 | 18,342 shares 10-Q 2024-08-13 | 18,342,000 shares 10-Q 2025-08-13 | +99900.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2021-09-30 | 13,683 shares 10-Q 2021-11-10 | 13,683,000 shares 10-Q 2022-11-09 | +99900.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | fiscal year 2023-12-31 | 17,723 shares 10-K 2024-03-21 | 17,723,000 shares 10-K 2025-03-20 | +99900.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2024-06-30 | 18,001 shares 10-Q 2024-08-13 | 18,001,000 shares 10-Q 2025-08-13 | +99900.0% | first · latest |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | quarter 2021-03-31 | $9.24M 10-Q 2021-05-13 | $5.84M 10-Q 2022-05-12 | -36.7% | first · latest |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | fiscal year 2020-12-31 | $20.4M 10-K 2021-03-25 | $14.9M 10-K 2022-03-24 | -27.2% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | fiscal year 2021-12-31 | 14,581 shares 10-K 2022-03-24 | 18,227 shares 10-K 2023-03-24 | +25.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2022-09-30 | 14,772,000 shares 10-Q 2022-11-09 | 18,465,000 shares 10-Q 2023-11-09 | +25.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | fiscal year 2021-12-31 | 13,650 shares 10-K 2022-03-24 | 17,062 shares 10-K 2023-03-24 | +25.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2022-09-30 | 13,988,000 shares 10-Q 2022-11-09 | 17,485,000 shares 10-Q 2023-11-09 | +25.0% | first · latest |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | quarter 2020-03-31 | $6.84M 10-Q 2020-05-11 | $6.51M 10-Q 2021-05-13 | -4.8% | first · latest |
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 FVCB 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.