ARROWMARK FINANCIAL CORP (BANX) Stock Fundamental Analysis
NASDAQ:BANX - Nasdaq - US8617801043 - Common Stock - Currency: USD
Taking everything into account, BANX scores 5 out of 10 in our fundamental rating. BANX was compared to 223 industry peers in the Capital Markets industry. While BANX has a great profitability rating, there are quite some concerns on its financial health. BANX has a correct valuation and a medium growth rate. BANX also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BANX had positive earnings in the past year.
In the past year BANX had a positive cash flow from operations.
Each year in the past 5 years BANX has been profitable.
The reported operating cash flow has been mixed in the past 5 years: BANX reported negative operating cash flow in multiple years.
1.2 Ratios
BANX's Return On Assets of 9.47% is amongst the best of the industry. BANX outperforms 86.22% of its industry peers.
Looking at the Return On Equity, with a value of 13.18%, BANX is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
The Return On Invested Capital of BANX (6.66%) is better than 77.33% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for BANX is in line with the industry average of 7.05%.
The last Return On Invested Capital (6.66%) for BANX is above the 3 year average (5.17%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.47% | ||
| ROE | 13.18% | ||
| ROIC | 6.66% |
ROA(3y)6.1%
ROA(5y)6.02%
ROE(3y)8.38%
ROE(5y)7.9%
ROIC(3y)5.17%
ROIC(5y)4.93%
1.3 Margins
BANX has a better Profit Margin (72.48%) than 95.56% of its industry peers.
In the last couple of years the Profit Margin of BANX has grown nicely.
BANX has a better Operating Margin (64.13%) than 96.89% of its industry peers.
BANX's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 69.54%, BANX is in the better half of the industry, outperforming 74.67% of the companies in the same industry.
BANX's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 64.13% | ||
| PM (TTM) | 72.48% | ||
| GM | 69.54% |
OM growth 3Y3.2%
OM growth 5Y2.45%
PM growth 3Y8.18%
PM growth 5Y3.34%
GM growth 3Y2.83%
GM growth 5Y2.9%
2. Health
2.1 Basic Checks
BANX has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, BANX has more shares outstanding
The debt/assets ratio for BANX has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.59, we must say that BANX is in the distress zone and has some risk of bankruptcy.
BANX has a better Altman-Z score (1.59) than 65.78% of its industry peers.
The Debt to FCF ratio of BANX is 7.30, which is on the high side as it means it would take BANX, 7.30 years of fcf income to pay off all of its debts.
BANX has a Debt to FCF ratio (7.30) which is comparable to the rest of the industry.
BANX has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
BANX's Debt to Equity ratio of 0.38 is fine compared to the rest of the industry. BANX outperforms 74.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 7.3 | ||
| Altman-Z | 1.59 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.11 indicates that BANX may have some problems paying its short term obligations.
BANX has a worse Current ratio (0.11) than 92.00% of its industry peers.
A Quick Ratio of 0.11 indicates that BANX may have some problems paying its short term obligations.
The Quick ratio of BANX (0.11) is worse than 92.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
3. Growth
3.1 Past
BANX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 274.58%, which is quite impressive.
Measured over the past years, BANX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.22% on average per year.
The Revenue has grown by 38.29% in the past year. This is a very strong growth!
BANX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.36% yearly.
EPS 1Y (TTM)274.58%
EPS 3Y33.74%
EPS 5Y13.22%
EPS Q2Q%-18.13%
Revenue 1Y (TTM)38.29%
Revenue growth 3Y27.15%
Revenue growth 5Y11.36%
Sales Q2Q%-1.94%
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 Y-0.87%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.63%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.44, the valuation of BANX can be described as very cheap.
Based on the Price/Earnings ratio, BANX is valued cheaply inside the industry as 86.67% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of BANX to the average of the S&P500 Index (29.35), we can say BANX is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.16, the valuation of BANX can be described as reasonable.
74.67% of the companies in the same industry are more expensive than BANX, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, BANX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.44 | ||
| Fwd PE | 9.16 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BANX is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.76 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BANX has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.56
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
BANX has a Yearly Dividend Yield of 10.42%, which is a nice return.
Compared to an average industry Dividend Yield of 8.65, BANX pays a bit more dividend than its industry peers.
BANX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.42% |
5.2 History
The dividend of BANX is nicely growing with an annual growth rate of 7.23%!
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)7.23%
Div Incr Years4
Div Non Decr Years7
5.3 Sustainability
BANX pays out 80.54% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of BANX has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP80.54%
EPS Next 2YN/A
EPS Next 3YN/A
21.21
-0.01 (-0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners17.46%
Inst Owner Change14.65%
Ins Owners0.49%
Ins Owner Change-1.92%
Market Cap151.02M
Analysts82.86
Price TargetN/A
Short Float %0.45%
Short Ratio1.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.42% |
Yearly Dividend2.12
Dividend Growth(5Y)7.23%
DP80.54%
Div Incr Years4
Div Non Decr Years7
Ex-DateN/A
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)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.44 | ||
| Fwd PE | 9.16 | ||
| P/S | 5.41 | ||
| P/FCF | 18.76 | ||
| P/OCF | 18.76 | ||
| P/B | 0.98 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY13.44%
EPS(NY)2.32
Fwd EY10.92%
FCF(TTM)1.13
FCFY5.33%
OCF(TTM)1.13
OCFY5.33%
SpS3.92
BVpS21.57
TBVpS21.57
PEG (NY)N/A
PEG (5Y)0.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.47% | ||
| ROE | 13.18% | ||
| ROCE | 11.66% | ||
| ROIC | 6.66% | ||
| ROICexc | 6.72% | ||
| ROICexgc | 6.72% | ||
| OM | 64.13% | ||
| PM (TTM) | 72.48% | ||
| GM | 69.54% | ||
| FCFM | 28.82% |
ROA(3y)6.1%
ROA(5y)6.02%
ROE(3y)8.38%
ROE(5y)7.9%
ROIC(3y)5.17%
ROIC(5y)4.93%
ROICexc(3y)5.18%
ROICexc(5y)4.94%
ROICexgc(3y)5.19%
ROICexgc(5y)4.94%
ROCE(3y)8.79%
ROCE(5y)8.02%
ROICexcg growth 3Y27.74%
ROICexcg growth 5Y13.13%
ROICexc growth 3Y27.7%
ROICexc growth 5Y13.09%
OM growth 3Y3.2%
OM growth 5Y2.45%
PM growth 3Y8.18%
PM growth 5Y3.34%
GM growth 3Y2.83%
GM growth 5Y2.9%
F-Score7
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.38 | ||
| Debt/FCF | 7.3 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 4.72 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 39.76% | ||
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 | ||
| Altman-Z | 1.59 |
F-Score7
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)274.58%
EPS 3Y33.74%
EPS 5Y13.22%
EPS Q2Q%-18.13%
EPS Next Y-0.87%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)38.29%
Revenue growth 3Y27.15%
Revenue growth 5Y11.36%
Sales Q2Q%-1.94%
Revenue Next Year0.63%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y52.48%
EBIT growth 3Y31.22%
EBIT growth 5Y14.09%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y290.76%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y290.76%
OCF growth 3YN/A
OCF growth 5YN/A