ARROWMARK FINANCIAL CORP (BANX) Stock Fundamental Analysis
USA - NASDAQ:BANX - US8617801043 - Common Stock
22.85 USD
+0.7 (+3.16%)
21.44 USD
-1.41 (-6.17%)
Taking everything into account, BANX scores 4 out of 10 in our fundamental rating. BANX was compared to 238 industry peers in the Capital Markets industry. There are concerns on the financial health of BANX while its profitability can be described as average. BANX has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year BANX was profitable.
In the past year BANX had a positive cash flow from operations.
BANX had positive earnings in each of the past 5 years.
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 has a Return On Assets of 8.04%. This is amongst the best in the industry. BANX outperforms 84.87% of its industry peers.
With a decent Return On Equity value of 10.80%, BANX is doing good in the industry, outperforming 61.76% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 6.18%, BANX is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for BANX is in line with the industry average of 7.61%.
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
BANX has a Profit Margin of 63.51%. This is amongst the best in the industry. BANX outperforms 96.22% 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 95.38% 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 73.11% 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%
2. Health
2.1 Basic Checks
Compared to 1 year ago, BANX has about the same amount of shares outstanding.
Compared to 5 years ago, BANX has more shares outstanding
BANX has a worse debt/assets ratio than last year.
2.2 Solvency
BANX has an Altman-Z score of 1.94. This is not the best score and indicates that BANX is in the grey zone with still only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 1.94, BANX is doing good in the industry, outperforming 70.17% of the companies in the same industry.
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 76.89% 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.
The Debt to Equity ratio of BANX (0.30) is better than 73.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 3.4 | ||
| Altman-Z | 1.94 |
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.
BANX's Current ratio of 0.12 is on the low side compared to the rest of the industry. BANX is outperformed by 89.08% of its industry peers.
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's Quick ratio of 0.12 is on the low side compared to the rest of the industry. BANX is outperformed by 89.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 |
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.
Looking at the last year, BANX shows a decrease in Revenue. The Revenue has decreased by -5.61% in the last year.
Measured over the past years, BANX shows a quite strong growth in Revenue. The Revenue has been growing by 8.09% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.72, which indicates a very decent valuation of BANX.
Based on the Price/Earnings ratio, BANX is valued a bit cheaper than the industry average as 76.05% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.38, BANX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.72 | ||
| 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 69.33% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of BANX may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)2.35
EPS Next 2YN/A
EPS Next 3YN/A
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 8.23.
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
BANX pays out 79.81% of its income as dividend. 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
22.85
+0.7 (+3.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners18.68%
Inst Owner Change-17.83%
Ins Owners0.25%
Ins Owner Change-0.85%
Market Cap162.92M
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-Date
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 | 9.72 | ||
| Fwd PE | N/A | ||
| P/S | 6.18 | ||
| P/FCF | 11.82 | ||
| P/OCF | 11.82 | ||
| P/B | 1.05 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.35
EY10.28%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.93
FCFY8.46%
OCF(TTM)1.93
OCFY8.46%
SpS3.7
BVpS21.75
TBVpS21.75
PEG (NY)N/A
PEG (5Y)2.35
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 | 1.94 |
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%