Q4 2023 Earnings

Revenue

$64M+10.9% YoY

Gross Profit

$37M57.1% margin

Operating Income

$10M16.0% margin

Net Income

$8M13.2% margin

EPS (Diluted)

$0.58

QoQ Revenue Growth

+4.9%

Operating Cash Flow

-$11M

Free Cash Flow

-$12M

Stock-Based Comp.

$843,000

Total Assets

$5.7B

Total Liabilities

$5.2B

Stockholders' Equity

$495M

Cash & Equivalents

$100M

Metric	Current	Year Ago	Change
Revenue	$64M	$58M	+10.9%
Gross Profit	$37M	$45M	-18.8%
Operating Income	$10M	$19M	-46.7%
Net Income	$8M	$15M	-44.8%

Products And Services, Debt Card Income

$3M39%

Products And Services, Deposit Accounts Service Charges

$2M24%

Products And Services, Fiduciary Services Income

$2M19%

Products And Services, Brokerage and Insurance Commissions

$1M13%

Products And Services, Other Income

$404,0005%