Q4 2025 Earnings

Revenue

$96M+29.4% YoY

Gross Profit

$68M70.8% margin

Operating Income

$31M32.4% margin

Net Income

$23M23.5% margin

EPS (Diluted)

$1.33

QoQ Revenue Growth

+3.9%

Operating Cash Flow

-$18M

Free Cash Flow

-$23M

Stock-Based Comp.

-$3M

Total Assets

$7.0B

Total Liabilities

$6.3B

Stockholders' Equity

$697M

Cash & Equivalents

$97M

Metric	Current	Year Ago	Change
Revenue	$96M	$74M	+29.4%
Gross Profit	$68M	$45M	+49.8%
Operating Income	$31M	$18M	+69.5%
Net Income	$23M	$15M	+53.8%

Products And Services, Debt Card Income

$5M41%

Products And Services, Deposit Accounts Service Charges

$3M23%

Products And Services, Fiduciary Services Income

$2M17%

Products And Services, Brokerage and Insurance Commissions

$2M15%

Products And Services, Other Income

$460,0004%