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 +3.3% 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 $187M.
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- Products And Services Service Charges On Deposit Accounts$23.2M46.7%-1.8% yoy
- Products And Services ATM Network Fee Income$13.5M27.1%+11.0% yoy
- Products And Services Trust Fees And Commissions$13M26.2%+5.7% yoy
Members sum to the consolidated $49.7M for this period.
- Products And Services Service Charges On Deposit Accounts$6.04M46.4%+10.0% yoy
- Products And Services ATM Network Fee Income$3.9M30.0%+35.2% yoy
- Products And Services Trust Fees And Commissions$3.07M23.6%-1.6% 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 4,003 US-listed filers · 822 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $50M | 21stof 3,301 bottom third | 27thof 540 bottom third |
Net margin net income ÷ revenue | 534.4% | 99thof 3,263 top third | 93rdof 533 top third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | 376.2% | 99thof 2,679 top third | 89thof 306 top third |
Return on equity net income ÷ stockholders' equity (positive equity only) | 9.3% | 64thof 3,576 middle third | 54thof 772 middle third |
Stock comp ÷ revenue stock-based compensation ÷ revenue · lower is ranked higher | 11.3% | 23rdof 2,895 bottom third | 28thof 421 bottom third |
Net debt ÷ operating cash flow net debt ÷ operating cash flow (OCF > 0) · lower is ranked higher | -4.3× | 98thof 1,546 top third | 94thof 295 top third |
Cash conversion operating cash flow ÷ net income (net income > 0) | 0.7× | 10thof 1,684 bottom third | 15thof 443 bottom third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | 0.3% | 12thof 2,278 bottom third | 17thof 497 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 · 30 changed periods| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Capital expenditure PaymentsToAcquirePropertyPlantAndEquipment | fiscal year 2024-12-31 | $490K 10-K 2025-03-07 | $6.37M 10-K 2026-03-17 | +1200.4% | first · latest |
| Net income NetIncomeLoss | quarter 2025-03-31 | -$4.46M 10-Q 2025-05-08 | $43.8M 10-Q 2026-05-08 | +1080.8% | first · latest |
| Net income NetIncomeLoss | quarter 2025-06-30 | -$4.41M 10-Q 2025-08-06 | $42.5M 10-Q 2026-08-07 | +1062.9% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2024-09-30 | 18,857,565 shares 10-Q 2024-11-08 | 202,091,759 shares 10-Q 2025-11-17 | +971.7% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | fiscal year 2024-12-31 | 18,857,392 shares 10-K 2025-03-07 | 202,052,615 shares 10-K 2026-03-17 | +971.5% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2024-09-30 | 18,857,565 shares 10-Q 2024-11-08 | 201,999,328 shares 10-Q 2025-11-17 | +971.2% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | fiscal year 2024-12-31 | 18,857,392 shares 10-K 2025-03-07 | 201,993,195 shares 10-K 2026-03-17 | +971.2% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2025-06-30 | 18,920,808 shares 10-Q 2025-08-06 | 202,067,091 shares 10-Q 2026-08-07 | +968.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2025-03-31 | 18,920,808 shares 10-Q 2025-05-08 | 202,058,748 shares 10-Q 2026-05-08 | +967.9% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2025-06-30 | 18,920,808 shares 10-Q 2025-08-06 | 202,007,671 shares 10-Q 2026-08-07 | +967.6% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2025-03-31 | 18,920,808 shares 10-Q 2025-05-08 | 201,999,328 shares 10-Q 2026-05-08 | +967.6% | first · latest |
| Capital expenditure PaymentsToAcquirePropertyPlantAndEquipment | quarter 2025-03-31 | $53K 10-Q 2025-05-08 | $497K 10-Q 2026-05-08 | +837.7% | first · latest |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | fiscal year 2024-12-31 | -$45.9M 10-K 2025-03-07 | $292M 10-K 2026-03-17 | +736.5% | first · latest |
| Net income NetIncomeLoss | quarter 2024-09-30 | -$7.28M 10-Q 2024-11-08 | $39.9M 10-Q 2025-11-17 | +648.5% | first · latest |
| Stockholders' equity StockholdersEquity | balance at 2025-06-30 | $403M 10-Q 2025-08-06 | $2.42B 10-Q 2026-08-07 | +499.7% | first · latest · 3 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2025-03-31 | $401M 10-Q 2025-05-08 | $2.37B 10-Q 2026-08-07 | +492.4% | first · latest · 4 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2024-12-31 | $397M 10-K 2025-03-07 | $2.3B 10-Q 2026-08-07 | +479.8% | first · latest · 7 filings carry it |
| Stock-based compensation ShareBasedCompensation | quarter 2025-03-31 | $592K 10-Q 2025-05-08 | $2.57M 10-Q 2026-05-08 | +334.3% | first · latest |
| Stockholders' equity StockholdersEquity | balance at 2024-06-30 | $520M 10-Q 2024-08-06 | $2.24B 10-Q 2025-11-17 | +331.4% | first · latest · 4 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2024-09-30 | $538M 10-Q 2024-11-08 | $2.3B 10-Q 2025-11-17 | +327.1% | first · latest |
| Stockholders' equity StockholdersEquity | balance at 2023-12-31 | $538M 10-K 2024-03-06 | $2.24B 10-K 2026-03-17 | +315.2% | first · latest · 9 filings carry it |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2024-12-31 | $407M 10-K 2025-03-07 | $1000M 10-K 2026-03-17 | +145.9% | first · latest · 5 filings carry it |
| Net income NetIncomeLoss | fiscal year 2024-12-31 | -$144M 10-K 2025-03-07 | $29M 10-K 2026-03-17 | +120.1% | first · latest |
| Total assets Assets | balance at 2024-12-31 | $8.12B 10-K 2025-03-07 | $16.5B 10-K 2026-03-17 | +103.0% | first · latest · 5 filings carry it |
| Long-term debt LongTermDebt | balance at 2024-09-30 | $225M 10-Q 2024-11-08 | $0 10-Q 2025-11-17 | -100.0% | first · latest |
| Long-term debt LongTermDebt | balance at 2024-12-31 | $225M 10-K 2025-03-07 | $0 10-K 2026-03-17 | -100.0% | first · latest · 5 filings carry it |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | quarter 2025-03-31 | -$22.5M 10-Q 2025-05-08 | -$1.44M 10-Q 2026-05-08 | +93.6% | first · latest |
| Total liabilities Liabilities | balance at 2024-12-31 | $7.73B 10-K 2025-03-07 | $14.2B 10-K 2026-03-17 | +83.6% | first · latest · 5 filings carry it |
| Depreciation and amortization DepreciationAmortizationAndAccretionNet | quarter 2020-03-31 | $10.3M 10-Q 2020-05-08 | $2.22M 10-Q 2021-05-07 | -78.5% | first · latest |
| Stock-based compensation ShareBasedCompensation | fiscal year 2024-12-31 | $3.43M 10-K 2025-03-07 | $4.59M 10-K 2026-03-17 | +33.9% | 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 MCHB 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.