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 +9.4% 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 was positive
Latest reported free cash flow was $11M.
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
- 2026-10-21
- 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- Core Banking Segment$134Mshare n/a-1.0% yoy
- Financial Technology Segment$1.34Mshare n/a-41.0% yoy
member sum exceeds the consolidated figure: this axis carries more than one breakdown, so shares are not computed.
- Core Banking Segment$33.2M98.8%-2.2% yoy
- Financial Technology Segment$387K1.2%-26.4% 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 4,060 US-listed filers · 883 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $2M | 6thof 3,247 bottom third | 6thof 528 bottom third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | 9.4% | 60thof 3,083 middle third | 57thof 505 middle third |
Gross margin gross profit ÷ revenue | 3368.7% | 100thof 1,585 top third | 98thof 59 top third |
Net margin net income ÷ revenue | 714.9% | 99thof 3,212 top third | 95thof 522 top third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | 487.0% | 99thof 2,640 top third | 93rdof 302 top third |
Return on equity net income ÷ stockholders' equity (positive equity only) | 7.1% | 57thof 3,520 middle third | 41stof 752 middle third |
Stock comp ÷ revenue stock-based compensation ÷ revenue · lower is ranked higher | 118.4% | 6thof 2,852 bottom third | 6thof 413 bottom third |
Cash conversion operating cash flow ÷ net income (net income > 0) | 0.9× | 23rdof 2,243 bottom third | 34thof 687 middle third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | 0.0% | 18thof 3,845 bottom third | 29thof 837 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 · 3 changed periods| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | quarter 2021-03-31 | $44M 10-Q 2021-05-14 | $12.7M 10-Q 2022-05-12 | -71.2% | first · latest |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | fiscal year 2021-12-31 | $60.4M 10-K 2022-03-23 | $29.1M 10-K 2023-03-23 | -51.8% | first · latest |
| Total assets Assets | balance at 2022-12-31 | $1.93B 10-K 2023-03-23 | $1.88B 10-K/A 2026-03-12 | -2.5% | first · latest · 7 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 MNSB 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.