Q4 2021 Earnings

Revenue

$50M-4.0% YoY

Gross Profit

$47M92.3% margin

Operating Income

$21M41.1% margin

Net Income

$16M32.7% margin

EPS (Diluted)

$1.11

QoQ Revenue Growth

+6.4%

Operating Cash Flow

$31M

Free Cash Flow

$31M

Stock-Based Comp.

$374,000

Total Assets

$5.5B

Total Liabilities

$5.0B

Stockholders' Equity

$541M

Cash & Equivalents

$221M

Metric	Current	Year Ago	Change
Revenue	$50M	$53M	-4.0%
Gross Profit	$47M	$49M	-4.2%
Operating Income	$21M	$23M	-9.4%
Net Income	$16M	$18M	-9.8%

Products And Services, Debt Card Income

$4M45%

Products And Services, Deposit Accounts Service Charges

$2M20%

Products And Services, Fiduciary Services Income

$2M19%

Products And Services, Brokerage and Insurance Commissions

$1M12%

Products And Services, Other Income

$426,0005%