Q3 2023 Earnings

Revenue

$61M+15.2% YoY

Gross Profit

$37M60.1% margin

Operating Income

$12M19.6% margin

Net Income

$10M15.9% margin

EPS (Diluted)

$0.67

QoQ Revenue Growth

-5.4%

Operating Cash Flow

$47M

Free Cash Flow

$46M

Stock-Based Comp.

$543,000

Total Assets

$5.8B

Total Liabilities

$5.3B

Stockholders' Equity

$463M

Cash & Equivalents

$212M

Metric	Current	Year Ago	Change
Revenue	$61M	$53M	+15.2%
Gross Profit	$37M	$44M	-15.7%
Operating Income	$12M	$18M	-32.9%
Net Income	$10M	$14M	-31.4%

Products And Services, Debt Card Income

$3M37%

Products And Services, Deposit Accounts Service Charges

$2M24%

Products And Services, Fiduciary Services Income

$2M19%

Products And Services, Brokerage and Insurance Commissions

$1M14%

Products And Services, Other Income

$505,0006%