Overall Score

Growth

Revenue growth is not provided in the fresh data, so the long-term growth trajectory remains difficult to verify.

The company’s profitability is solid enough to support some growth, with a 19.2% net profit margin and 24.1% EBIT margin TTM.

Profitability

Gross margin remains strong at 69.0% TTM, supporting a healthy core banking spread profile.

Net profit margin is 19.2% and return on equity is 11.9% TTM, indicating acceptable but not exceptional earnings power.

Return on invested capital is only 1.0% TTM, which limits confidence in durable long-term compounding.

Financial Health

Liquidity remains very weak, with a current ratio of 0.29x TTM and negative working capital of -$68.5M.

Leverage is manageable but not trivial, with debt-to-equity at 0.50x and net debt to EBITDA at 2.86x TTM.

Interest coverage is weak at 0.79x TTM, which constrains financial flexibility.

Valuation

The stock trades at 12.4x earnings and 2.6x sales TTM, which is not demanding for a profitable regional bank.

However, free cash flow yield is only 2.2% and price-to-free-cash-flow is 45.8x, suggesting valuation is less attractive on cash generation.

Dividend yield is 1.9% TTM, providing some shareholder return support.