Q4 2024 Earnings

Revenue

$74M+15.3% YoY

Gross Profit

$45M61.1% margin

Operating Income

$18M24.8% margin

Net Income

$15M19.7% margin

EPS (Diluted)

$1.00

QoQ Revenue Growth

+0.8%

Operating Cash Flow

$43M

Free Cash Flow

$41M

Stock-Based Comp.

$577,000

Total Assets

$5.8B

Total Liabilities

$5.3B

Stockholders' Equity

$531M

Cash & Equivalents

$215M

Metric	Current	Year Ago	Change
Revenue	$74M	$64M	+15.3%
Gross Profit	$45M	$37M	+23.5%
Operating Income	$18M	$10M	+79.0%
Net Income	$15M	$8M	+72.9%

Products And Services, Debt Card Income

$7M36%

Products And Services, Deposit Accounts Service Charges

$4M23%

Products And Services, Fiduciary Services Income

$4M20%

Products And Services, Brokerage and Insurance Commissions

$3M16%

Products And Services, Other Income

$846,0005%