Provides checking and savings accounts to individuals and businesses. Offers commercial real estate loans to businesses. Now — the numbers.
Revenue is spread across several business lines; no single line carries the company.
The company is still in the product-building phase: its spending runs above its sales. That only changes once the product starts selling at scale.
At this burn rate the cash pile isn’t the pressing question — for now, time is on the company’s side.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
The stock has been running stronger than the market lately.
Growth: Sales growth trails the sector average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades 22% below its peak. The market has trimmed its expectations for the company.
Sales run at $79.1M a year. A small number, but proof the product has real buyers.
Over the last 12 months, company executives reported 20 buys and 17 sells. Management buying with its own money is usually read as a good sign.
It pays out $0.40 per share each year — regular cash for whoever holds the stock.
A loss of $3.4M against $79.1M in annual sales. And on top of that, sales fell from the year before.
The growth engine is running at low revs right now. Report-card grade: 15/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 29/100.
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.