Q3 2024 Earnings

Revenue

$74M+20.1% YoY

Gross Profit

$43M58.8% margin

Operating Income

$16M21.5% margin

Net Income

$13M17.7% margin

EPS (Diluted)

$0.90

QoQ Revenue Growth

+3.2%

Operating Cash Flow

-$15M

Free Cash Flow

-$16M

Stock-Based Comp.

$623,000

Total Assets

$5.7B

Total Liabilities

$5.2B

Stockholders' Equity

$530M

Cash & Equivalents

$140M

Metric	Current	Year Ago	Change
Revenue	$74M	$61M	+20.1%
Gross Profit	$43M	$37M	+17.5%
Operating Income	$16M	$12M	+31.9%
Net Income	$13M	$10M	+33.6%

Products And Services, Debt Card Income

$3M35%

Products And Services, Deposit Accounts Service Charges

$2M24%

Products And Services, Fiduciary Services Income

$2M20%

Products And Services, Brokerage and Insurance Commissions

$1M16%

Products And Services, Other Income

$508,0006%