Q1 2021 Earnings

Revenue

$50M-2.1% YoY

Gross Profit

$49M97.8% margin

Operating Income

$25M49.7% margin

Net Income

$20M39.8% margin

EPS (Diluted)

$1.31

QoQ Revenue Growth

-5.5%

Operating Cash Flow

$62M

Free Cash Flow

$62M

Stock-Based Comp.

$703,000

Total Assets

$5.1B

Total Liabilities

$4.6B

Stockholders' Equity

$532M

Cash & Equivalents

$368M

Metric	Current	Year Ago	Change
Revenue	$50M	$51M	-2.1%
Gross Profit	$49M	$41M	+19.8%
Operating Income	$25M	$17M	+45.8%
Net Income	$20M	$13M	+46.3%

Products And Services, Debt Card Income

$3M38%

Products And Services, Deposit Accounts Service Charges

$2M22%

Products And Services, Fiduciary Services Income

$2M21%

Products And Services, Brokerage and Insurance Commissions

$953,00013%

Products And Services, Other Income

$400,0006%