BANX Fundamental Analysis - ARROWMARK FINANCIAL CORP

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to BANX. BANX was compared to 237 industry peers in the Capital Markets industry. While BANX is still in line with the averages on profitability rating, there are concerns on its financial health. BANX has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year BANX was profitable.

BANX had a positive operating cash flow in the past year.

BANX had positive earnings in each of the past 5 years.

In multiple years BANX reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 8.04%, BANX belongs to the top of the industry, outperforming 84.81% of the companies in the same industry.

The Return On Equity of BANX (10.80%) is better than 61.60% of its industry peers.

BANX has a better Return On Invested Capital (6.18%) than 70.89% of its industry peers.

The Average Return On Invested Capital over the past 3 years for BANX is in line with the industry average of 7.61%.

The 3 year average ROIC (5.97%) for BANX is below the current ROIC(6.18%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	8.04%
ROE	10.8%
ROIC	6.18%

ROA(3y)6.85%

ROA(5y)6.09%

ROE(3y)9.24%

ROE(5y)8.29%

ROIC(3y)5.97%

ROIC(5y)5.02%

1.3 Margins

BANX's Profit Margin of 63.51% is amongst the best of the industry. BANX outperforms 96.20% of its industry peers.

In the last couple of years the Profit Margin of BANX has declined.

BANX has a Operating Margin of 59.89%. This is amongst the best in the industry. BANX outperforms 95.36% of its industry peers.

BANX's Operating Margin has declined in the last couple of years.

BANX's Gross Margin of 64.03% is fine compared to the rest of the industry. BANX outperforms 72.57% of its industry peers.

BANX's Gross Margin has declined in the last couple of years.

		Industry Rank	Sector Rank
OM	59.89%
PM (TTM)	63.51%
GM	64.03%

OM growth 3Y-0.85%

OM growth 5Y-1.63%

PM growth 3Y-5.6%

PM growth 5Y-2.09%

GM growth 3Y-0.85%

GM growth 5Y-1.58%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for BANX remains at a similar level compared to 1 year ago.

Compared to 5 years ago, BANX has more shares outstanding

The debt/assets ratio for BANX is higher compared to a year ago.

2.2 Solvency

An Altman-Z score of 1.87 indicates that BANX is not a great score, but indicates only limited risk for bankruptcy at the moment.

BANX's Altman-Z score of 1.87 is fine compared to the rest of the industry. BANX outperforms 69.62% of its industry peers.

BANX has a debt to FCF ratio of 3.40. This is a good value and a sign of high solvency as BANX would need 3.40 years to pay back of all of its debts.

BANX has a Debt to FCF ratio of 3.40. This is in the better half of the industry: BANX outperforms 76.37% of its industry peers.

A Debt/Equity ratio of 0.30 indicates that BANX is not too dependend on debt financing.

BANX has a better Debt to Equity ratio (0.30) than 73.84% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.3
Debt/FCF	3.4
Altman-Z	1.87

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

A Current Ratio of 0.12 indicates that BANX may have some problems paying its short term obligations.

Looking at the Current ratio, with a value of 0.12, BANX is doing worse than 89.45% of the companies in the same industry.

BANX has a Quick Ratio of 0.12. This is a bad value and indicates that BANX is not financially healthy enough and could expect problems in meeting its short term obligations.

BANX has a Quick ratio of 0.12. This is amonst the worse of the industry: BANX underperforms 89.45% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.12
Quick Ratio	0.12

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BANX shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.39%.

Measured over the past 5 years, BANX shows a small growth in Earnings Per Share. The EPS has been growing by 4.14% on average per year.

BANX shows a decrease in Revenue. In the last year, the revenue decreased by -5.61%.

The Revenue has been growing by 8.09% on average over the past years. This is quite good.

EPS 1Y (TTM)-17.39%

EPS 3Y9.52%

EPS 5Y4.14%

EPS Q2Q%-16.79%

Revenue 1Y (TTM)-5.61%

Revenue growth 3Y16.37%

Revenue growth 5Y8.09%

Sales Q2Q%-8.97%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.44, the valuation of BANX can be described as reasonable.

Based on the Price/Earnings ratio, BANX is valued a bit cheaper than the industry average as 78.06% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 27.27, BANX is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.44
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BANX is valued a bit cheaper than the industry average as 70.89% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	11.48
EV/EBITDA	N/A

4.3 Compensation for Growth

BANX has a very decent profitability rating, which may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)2.28

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 10.42%, BANX is a good candidate for dividend investing.

BANX's Dividend Yield is a higher than the industry average which is at 7.96.

BANX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	10.42%

5.2 History

The dividend of BANX has a limited annual growth rate of 2.98%.

BANX has been paying a dividend for at least 10 years, so it has a reliable track record.

Dividend Growth(5Y)2.98%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

79.81% of the earnings are spent on dividend by BANX. This is not a sustainable payout ratio.

The dividend of BANX is growing, but earnings are growing more, so the dividend growth is sustainable.

DP79.81%

EPS Next 2YN/A

EPS Next 3YN/A

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ARROWMARK FINANCIAL CORP

NASDAQ:BANX (9/16/2025, 4:30:01 PM)

22.19

+0.26 (+1.19%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)08-21 2025-08-21

Earnings (Next)12-15 2025-12-15

Inst Owners18.68%

Inst Owner Change-17.83%

Ins Owners0.25%

Ins Owner Change-0.85%

Market Cap158.21M

Analysts82.86

Price TargetN/A

Short Float %0.31%

Short Ratio1.37

Dividend

		Industry Rank	Sector Rank
Dividend Yield	10.42%

Yearly Dividend1.88

Dividend Growth(5Y)2.98%

DP79.81%

Div Incr Years0

Div Non Decr Years0

Ex-Date06-23 2025-06-23 (0.45)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	9.44
Fwd PE	N/A
P/S	6
P/FCF	11.48
P/OCF	11.48
P/B	1.02
P/tB	1.02
EV/EBITDA	N/A

EPS(TTM)2.35

EY10.59%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.93

FCFY8.71%

OCF(TTM)1.93

OCFY8.71%

SpS3.7

BVpS21.75

TBVpS21.75

PEG (NY)N/A

PEG (5Y)2.28

Profitability

		Industry Rank	Sector Rank
ROA	8.04%
ROE	10.8%
ROCE	10.18%
ROIC	6.18%
ROICexc	6.26%
ROICexgc	6.27%
OM	59.89%
PM (TTM)	63.51%
GM	64.03%
FCFM	52.27%

ROA(3y)6.85%

ROA(5y)6.09%

ROE(3y)9.24%

ROE(5y)8.29%

ROIC(3y)5.97%

ROIC(5y)5.02%

ROICexc(3y)6%

ROICexc(5y)5.05%

ROICexgc(3y)6.01%

ROICexgc(5y)5.06%

ROCE(3y)9.96%

ROCE(5y)8.43%

ROICexcg growth 3Y18.2%

ROICexcg growth 5Y1.9%

ROICexc growth 3Y18.15%

ROICexc growth 5Y1.88%

OM growth 3Y-0.85%

OM growth 5Y-1.63%

PM growth 3Y-5.6%

PM growth 5Y-2.09%

GM growth 3Y-0.85%

GM growth 5Y-1.58%

F-Score3

Asset Turnover0.13

Health

		Industry Rank	Sector Rank
Debt/Equity	0.3
Debt/FCF	3.4
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	3.73
Cash Conversion	N/A
Profit Quality	82.3%
Current Ratio	0.12
Quick Ratio	0.12
Altman-Z	1.87

F-Score3

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)168.05%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-17.39%

EPS 3Y9.52%

EPS 5Y4.14%

EPS Q2Q%-16.79%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-5.61%

Revenue growth 3Y16.37%

Revenue growth 5Y8.09%

Sales Q2Q%-8.97%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-11.86%

EBIT growth 3Y15.38%

EBIT growth 5Y6.33%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-46.35%

FCF growth 3YN/A

FCF growth 5Y-19.67%

OCF growth 1Y-46.35%

OCF growth 3YN/A

OCF growth 5Y-19.67%

ARROWMARK FINANCIAL CORP (BANX) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens