Q1 2020 Earnings

Revenue

$51M+0.2% YoY

Gross Profit

$41M79.9% margin

Operating Income

$17M33.3% margin

Net Income

$13M26.6% margin

EPS (Diluted)

$0.89

QoQ Revenue Growth

-3.6%

Operating Cash Flow

-$33M

Free Cash Flow

-$34M

Stock-Based Comp.

$421,000

Total Assets

$4.6B

Total Liabilities

$4.1B

Stockholders' Equity

$493M

Cash & Equivalents

$54M

Metric	Current	Year Ago	Change
Revenue	$51M	$51M	+0.2%
Gross Profit	$41M	$40M	+2.0%
Operating Income	$17M	$18M	-4.9%
Net Income	$13M	$14M	-5.5%

Products And Services, Debt Card Income

$2M32%

Products And Services, Deposit Accounts Service Charges

$2M30%

Products And Services, Fiduciary Services Income

$2M22%

Products And Services, Brokerage and Insurance Commissions

$657,00010%

Products And Services, Other Income

$383,0006%