Q4 2020 Earnings

Revenue

$53M-0.1% YoY

Gross Profit

$49M92.5% margin

Operating Income

$23M43.5% margin

Net Income

$18M34.8% margin

EPS (Diluted)

$1.22

QoQ Revenue Growth

+4.2%

Operating Cash Flow

$24M

Free Cash Flow

$24M

Stock-Based Comp.

$412,000

Total Assets

$4.9B

Total Liabilities

$4.4B

Stockholders' Equity

$529M

Cash & Equivalents

$146M

Metric	Current	Year Ago	Change
Revenue	$53M	$53M	-0.1%
Gross Profit	$49M	$43M	+12.9%
Operating Income	$23M	$19M	+19.2%
Net Income	$18M	$15M	+20.0%

Products And Services, Debt Card Income

$3M42%

Products And Services, Deposit Accounts Service Charges

$2M23%

Products And Services, Fiduciary Services Income

$2M20%

Products And Services, Brokerage and Insurance Commissions

$798,00010%

Products And Services, Other Income

$397,0005%