Q3 2020 Earnings

Revenue

$50M-3.6% YoY

Gross Profit

$45M89.7% margin

Operating Income

$21M41.6% margin

Net Income

$17M33.3% margin

EPS (Diluted)

$1.11

QoQ Revenue Growth

+0.1%

Operating Cash Flow

$14M

Free Cash Flow

$13M

Stock-Based Comp.

$422,000

Total Assets

$5.2B

Total Liabilities

$4.6B

Stockholders' Equity

$518M

Cash & Equivalents

$346M

Metric	Current	Year Ago	Change
Revenue	$50M	$52M	-3.6%
Gross Profit	$45M	$41M	+10.4%
Operating Income	$21M	$18M	+15.3%
Net Income	$17M	$14M	+15.8%

Products And Services, Debt Card Income

$3M38%

Products And Services, Deposit Accounts Service Charges

$2M23%

Products And Services, Fiduciary Services Income

$2M22%

Products And Services, Brokerage and Insurance Commissions

$755,00011%

Products And Services, Other Income

$467,0007%