Q2 2022 Earnings

Revenue

$50M+7.6% YoY

Gross Profit

$44M88.3% margin

Operating Income

$19M37.5% margin

Net Income

$15M30.0% margin

EPS (Diluted)

$1.02

QoQ Revenue Growth

+5.1%

Operating Cash Flow

$27M

Free Cash Flow

$26M

Stock-Based Comp.

$893,000

Total Assets

$5.5B

Total Liabilities

$5.0B

Stockholders' Equity

$446M

Cash & Equivalents

$76M

Metric	Current	Year Ago	Change
Revenue	$50M	$47M	+7.6%
Gross Profit	$44M	$47M	-6.3%
Operating Income	$19M	$23M	-17.2%
Net Income	$15M	$18M	-17.2%

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

$1M15%

Products And Services, Other Income

$450,0005%