Q3 2022 Earnings

Revenue

$53M+12.6% YoY

Gross Profit

$44M82.1% margin

Operating Income

$18M33.6% margin

Net Income

$14M26.8% margin

EPS (Diluted)

$0.97

QoQ Revenue Growth

+6.6%

Operating Cash Flow

$15M

Free Cash Flow

$15M

Stock-Based Comp.

$522,000

Total Assets

$5.6B

Total Liabilities

$5.1B

Stockholders' Equity

$431M

Cash & Equivalents

$82M

Metric	Current	Year Ago	Change
Revenue	$53M	$47M	+12.6%
Gross Profit	$44M	$44M	-0.0%
Operating Income	$18M	$19M	-3.9%
Net Income	$14M	$15M	-2.5%

Products And Services, Debt Card Income

$3M39%

Products And Services, Deposit Accounts Service Charges

$2M24%

Products And Services, Fiduciary Services Income

$2M19%

Products And Services, Brokerage and Insurance Commissions

$1M12%

Products And Services, Other Income

$509,0006%