Q4 2022 Earnings

Revenue

$58M+15.3% YoY

Gross Profit

$45M78.0% margin

Operating Income

$19M33.2% margin

Net Income

$15M26.4% margin

EPS (Diluted)

$1.05

QoQ Revenue Growth

+9.0%

Operating Cash Flow

$20M

Free Cash Flow

$20M

Stock-Based Comp.

$514,000

Total Assets

$5.7B

Total Liabilities

$5.2B

Stockholders' Equity

$451M

Cash & Equivalents

$75M

Metric	Current	Year Ago	Change
Revenue	$58M	$50M	+15.3%
Gross Profit	$45M	$47M	-2.6%
Operating Income	$19M	$21M	-6.7%
Net Income	$15M	$16M	-6.9%

Products And Services, Debt Card Income

$4M46%

Products And Services, Deposit Accounts Service Charges

$2M22%

Products And Services, Fiduciary Services Income

$2M18%

Products And Services, Brokerage and Insurance Commissions

$878,00010%

Products And Services, Other Income

$433,0005%