Q3 2021 Earnings

Revenue

$47M-6.0% YoY

Gross Profit

$44M92.5% margin

Operating Income

$19M39.4% margin

Net Income

$15M30.9% margin

EPS (Diluted)

$0.97

QoQ Revenue Growth

+1.8%

Operating Cash Flow

$27M

Free Cash Flow

$27M

Stock-Based Comp.

$493,000

Total Assets

$5.5B

Total Liabilities

$5.0B

Stockholders' Equity

$546M

Cash & Equivalents

$380M

Metric	Current	Year Ago	Change
Revenue	$47M	$50M	-6.0%
Gross Profit	$44M	$45M	-3.1%
Operating Income	$19M	$21M	-11.1%
Net Income	$15M	$17M	-12.7%

Products And Services, Debt Card Income

$3M40%

Products And Services, Deposit Accounts Service Charges

$2M21%

Products And Services, Fiduciary Services Income

$2M20%

Products And Services, Brokerage and Insurance Commissions

$993,00012%

Products And Services, Other Income

$521,0006%