Q1 2022 Earnings

Revenue

$48M-4.0% YoY

Gross Profit

$46M97.0% margin

Operating Income

$21M44.2% margin

Net Income

$17M35.3% margin

EPS (Diluted)

$1.13

QoQ Revenue Growth

-5.5%

Operating Cash Flow

$43M

Free Cash Flow

$42M

Stock-Based Comp.

$624,000

Total Assets

$5.4B

Total Liabilities

$4.9B

Stockholders' Equity

$482M

Cash & Equivalents

$139M

Metric	Current	Year Ago	Change
Revenue	$48M	$50M	-4.0%
Gross Profit	$46M	$49M	-4.8%
Operating Income	$21M	$25M	-14.5%
Net Income	$17M	$20M	-14.9%

Products And Services, Debt Card Income

$3M38%

Products And Services, Deposit Accounts Service Charges

$2M24%

Products And Services, Fiduciary Services Income

$2M21%

Products And Services, Brokerage and Insurance Commissions

$994,00013%

Products And Services, Other Income

$400,0005%