Q1 2023 Earnings

Revenue

$60M+25.1% YoY

Gross Profit

$41M68.8% margin

Operating Income

$16M26.8% margin

Net Income

$13M21.4% margin

EPS (Diluted)

$0.87

QoQ Revenue Growth

+2.5%

Operating Cash Flow

$15M

Free Cash Flow

$14M

Stock-Based Comp.

$459,000

Total Assets

$5.7B

Total Liabilities

$5.3B

Stockholders' Equity

$465M

Cash & Equivalents

$76M

Metric	Current	Year Ago	Change
Revenue	$60M	$48M	+25.1%
Gross Profit	$41M	$46M	-11.4%
Operating Income	$16M	$21M	-24.1%
Net Income	$13M	$17M	-24.2%

Products And Services, Debt Card Income

$3M38%

Products And Services, Deposit Accounts Service Charges

$2M23%

Products And Services, Fiduciary Services Income

$2M20%

Products And Services, Brokerage and Insurance Commissions

$1M14%

Products And Services, Other Income

$422,0005%