Provide personal banking services including checking and savings accounts. Offer a variety of lending products such as home mortgages and auto loans. Now — the numbers.
The company closed last year at a loss: costs ran above sales. The picture changes only if spending is reined in.
An average decline of 6% a year over the last 4 years — the most striking risk in this picture. Red columns mark years that ended in a loss.
At this burn rate the cash pile isn’t the pressing question — for now, time is on the company’s side.
This company is not turning a profit, so the market is pricing its sales instead: 2.3× for every dollar of annual revenue.
No analyst target is on record for this company.
angles, checked one by one.
The 2 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Revenue Growth: Sales are going backwards, not just slowing.
The stock trades 39% below its peak. The market has trimmed its expectations for the company.
It pays out $0.40 per share each year — regular cash for whoever holds the stock.
A loss of $528K against $3.8M in annual sales. And on top of that, sales fell from the year before.
Since the drop from its peak, buyer appetite hasn’t come back. Council score: 0/10.
Sales are going backwards, not just slowing. Council score: 2/10.
We don’t have a report card for this stock yet — the data isn’t mature enough to grade. No grade is information too: it means the evidence is thin.
One-line summary: few numbers, an untested story. Keep watching.
Not covered, because the filings we hold do not carry it: earnings execution, the revenue breakdown.