ARROWMARK FINANCIAL CORP(NASDAQ:BANX) stock Fundamental Analysis

Fundamental Rating

BANX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 227 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 is valued correctly, but it does not seem to be growing. BANX also has an excellent dividend rating.

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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.

In the past 5 years BANX has always been profitable.

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

1.2 Ratios

BANX's Return On Assets of 8.04% is amongst the best of the industry. BANX outperforms 84.58% of its industry peers.

BANX has a Return On Equity of 10.80%. This is comparable to the rest of the industry: BANX outperforms 57.71% of its industry peers.

BANX has a Return On Invested Capital of 6.18%. This is in the better half of the industry: BANX outperforms 74.45% 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 7.10%.

The last Return On Invested Capital (6.18%) for BANX is above the 3 year average (5.97%), which is a sign of increasing profitability.

		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

The Profit Margin of BANX (63.51%) is better than 95.59% of its industry peers.

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

BANX has a Operating Margin of 59.89%. This is amongst the best in the industry. BANX outperforms 94.27% of its industry peers.

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

With a decent Gross Margin value of 64.03%, BANX is doing good in the industry, outperforming 71.37% of the companies in the same industry.

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

BANX has about the same amout of shares outstanding than it did 1 year ago.

BANX has more shares outstanding than it did 5 years ago.

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

2.2 Solvency

BANX has an Altman-Z score of 1.72. This is a bad value and indicates that BANX is not financially healthy and even has some risk of bankruptcy.

The Altman-Z score of BANX (1.72) is better than 68.72% 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 better Debt to FCF ratio (3.40) than 74.45% of its industry peers.

BANX has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.

BANX has a better Debt to Equity ratio (0.30) than 75.33% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.3
Debt/FCF	3.4
Altman-Z	1.72

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

BANX has a Current 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.

With a Current ratio value of 0.12, BANX is not doing good in the industry: 88.99% of the companies in the same industry are doing better.

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

With a Quick ratio value of 0.12, BANX is not doing good in the industry: 88.99% of the companies in the same industry are doing better.

		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

The earnings per share for BANX have decreased strongly by -17.39% in the last year.

BANX shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.14% yearly.

The Revenue has decreased by -5.61% in the past year.

BANX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.09% yearly.

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 8.44, the valuation of BANX can be described as reasonable.

77.09% of the companies in the same industry are more expensive than BANX, based on the Price/Earnings ratio.

BANX is valuated cheaply when we compare the Price/Earnings ratio to 28.79, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	8.44
Fwd PE	N/A

4.2 Price Multiples

BANX's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BANX is cheaper than 72.25% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.24
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)2.04

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.

Compared to an average industry Dividend Yield of 8.42, BANX pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.51, BANX pays a better dividend.

		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.

BANX has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)2.98%

Div Incr Years4

Div Non Decr Years7

5.3 Sustainability

BANX pays out 79.81% of its income as dividend. This is not a sustainable payout ratio.

BANX's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP79.81%

EPS Next 2YN/A

EPS Next 3YN/A

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ARROWMARK FINANCIAL CORP

NASDAQ:BANX (4/25/2025, 8:00:01 PM)

19.83

-0.29 (-1.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)03-04 2025-03-04/amc

Earnings (Next)06-12 2025-06-12

Inst Owners17.46%

Inst Owner Change2.13%

Ins Owners0.49%

Ins Owner Change-1.63%

Market Cap141.19M

Analysts82.86

Price TargetN/A

Short Float %0.31%

Short Ratio0.92

Dividend

		Industry Rank	Sector Rank
Dividend Yield	10.42%

Yearly Dividend1.88

Dividend Growth(5Y)2.98%

DP79.81%

Div Incr Years4

Div Non Decr Years7

Ex-Date03-20 2025-03-20 (0.1)

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	8.44
Fwd PE	N/A
P/S	5.35
P/FCF	10.24
P/OCF	10.24
P/B	0.91
P/tB	0.91
EV/EBITDA	N/A

EPS(TTM)2.35

EY11.85%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.94

FCFY9.76%

OCF(TTM)1.94

OCFY9.76%

SpS3.7

BVpS21.78

TBVpS21.78

PEG (NY)N/A

PEG (5Y)2.04

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	1.72

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