BANX Fundamental Analysis - ARROWMARK FINANCIAL CORP

Fundamental Rating

Overall BANX gets a fundamental rating of 4 out of 10. We evaluated BANX against 239 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

BANX had positive earnings in the past year.

In the past year BANX had a positive cash flow from operations.

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

The Return On Assets of BANX (7.46%) is better than 82.01% of its industry peers.

BANX's Return On Equity of 10.57% is fine compared to the rest of the industry. BANX outperforms 60.67% of its industry peers.

BANX has a better Return On Invested Capital (5.60%) than 69.87% of its industry peers.

BANX had an Average Return On Invested Capital over the past 3 years of 5.97%. This is in line with the industry average of 7.55%.

		Industry Rank	Sector Rank
ROA	7.46%
ROE	10.57%
ROIC	5.6%

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 has a better Profit Margin (63.51%) than 96.23% of its industry peers.

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

BANX's Operating Margin of 59.89% is amongst the best of the industry. BANX outperforms 95.40% of its industry peers.

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

With a decent Gross Margin value of 64.03%, BANX is doing good in the industry, outperforming 74.06% 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 1.48. This is a bad value and indicates that BANX is not financially healthy and even has some risk of bankruptcy.

BANX's Altman-Z score of 1.48 is fine compared to the rest of the industry. BANX outperforms 64.02% of its industry peers.

The Debt to FCF ratio of BANX is 4.12, which is a neutral value as it means it would take BANX, 4.12 years of fcf income to pay off all of its debts.

BANX has a better Debt to FCF ratio (4.12) than 75.73% of its industry peers.

A Debt/Equity ratio of 0.41 indicates that BANX is not too dependend on debt financing.

BANX has a Debt to Equity ratio of 0.41. This is in the better half of the industry: BANX outperforms 67.78% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.41
Debt/FCF	4.12
Altman-Z	1.48

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

A Current Ratio of 0.20 indicates that BANX may have some problems paying its short term obligations.

BANX's Current ratio of 0.20 is on the low side compared to the rest of the industry. BANX is outperformed by 89.12% of its industry peers.

A Quick Ratio of 0.20 indicates that BANX may have some problems paying its short term obligations.

The Quick ratio of BANX (0.20) is worse than 89.12% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.2
Quick Ratio	0.2

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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%.

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%37.55%

Revenue 1Y (TTM)-5.61%

Revenue growth 3Y16.37%

Revenue growth 5Y8.09%

Sales Q2Q%-16.17%

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

The Price/Earnings ratio is 9.22, which indicates a very decent valuation of BANX.

Compared to the rest of the industry, the Price/Earnings ratio of BANX indicates a somewhat cheap valuation: BANX is cheaper than 73.22% of the companies listed in the same industry.

BANX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.40.

		Industry Rank	Sector Rank
PE	9.22
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 73.22% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.88
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)2.23

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 8.49, 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 2.36.

		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 paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)2.98%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

BANX pays out 88.11% 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.

DP88.11%

EPS Next 2YN/A

EPS Next 3YN/A

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ARROWMARK FINANCIAL CORP

NASDAQ:BANX (10/17/2025, 8:00:01 PM)

21.67

+0.31 (+1.45%)

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 Owners18.88%

Inst Owner Change0%

Ins Owners0.25%

Ins Owner Change0%

Market Cap154.51M

Analysts82.86

Price TargetN/A

Short Float %0.35%

Short Ratio1.23

Dividend

		Industry Rank	Sector Rank
Dividend Yield	10.42%

Yearly Dividend1.88

Dividend Growth(5Y)2.98%

DP88.11%

Div Incr Years0

Div Non Decr Years0

Ex-Date12-03 2025-12-03 (0.4)

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	9.22
Fwd PE	N/A
P/S	5.86
P/FCF	9.88
P/OCF	9.88
P/B	0.98
P/tB	0.98
EV/EBITDA	N/A

EPS(TTM)2.35

EY10.84%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.19

FCFY10.12%

OCF(TTM)2.19

OCFY10.12%

SpS3.7

BVpS22.22

TBVpS22.22

PEG (NY)N/A

PEG (5Y)2.23

Profitability

		Industry Rank	Sector Rank
ROA	7.46%
ROE	10.57%
ROCE	9.97%
ROIC	5.6%
ROICexc	5.81%
ROICexgc	5.81%
OM	59.89%
PM (TTM)	63.51%
GM	64.03%
FCFM	59.31%

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-Score4

Asset Turnover0.12

Health

		Industry Rank	Sector Rank
Debt/Equity	0.41
Debt/FCF	4.12
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	4.31
Cash Conversion	N/A
Profit Quality	93.39%
Current Ratio	0.2
Quick Ratio	0.2
Altman-Z	1.48

F-Score4

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%37.55%

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%-16.17%

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 1Y9.66%

FCF growth 3YN/A

FCF growth 5Y-19.67%

OCF growth 1Y9.66%

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