ARROWMARK FINANCIAL CORP (BANX) Stock Fundamental Analysis
NASDAQ:BANX - US8617801043 - Common Stock
20.55 USD
-0.17 (-0.82%)
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 is valued correctly, 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.
In multiple years BANX reported negative operating cash flow during the last 5 years.
1.2 Ratios
BANX has a Return On Assets of 8.04%. This is amongst the best in the industry. BANX outperforms 85.71% of its industry peers.
Looking at the Return On Equity, with a value of 10.80%, BANX is in the better half of the industry, outperforming 61.34% of the companies in the same industry.
With a decent Return On Invested Capital value of 6.18%, BANX is doing good in 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 7.60%.
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
Looking at the Profit Margin, with a value of 63.51%, BANX belongs to the top of the industry, outperforming 95.80% of the companies in the same industry.
BANX's Profit Margin has declined in the last couple of years.
BANX's Operating Margin of 59.89% is amongst the best of the industry. BANX outperforms 94.12% of its industry peers.
BANX's Operating Margin has declined in the last couple of years.
BANX has a Gross Margin of 64.03%. This is in the better half of the industry: BANX outperforms 72.69% 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%
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
Based on the Altman-Z score of 1.77, we must say that BANX is in the distress zone and has some risk of bankruptcy.
BANX has a better Altman-Z score (1.77) than 69.33% 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 76.05% of its industry peers.
A Debt/Equity ratio of 0.30 indicates that BANX is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.30, BANX is in the better half of the industry, outperforming 74.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 3.4 | ||
| Altman-Z | 1.77 |
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 has a Current ratio of 0.12. This is amonst the worse of the industry: BANX underperforms 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.
With a Quick ratio value of 0.12, BANX is not doing good in the industry: 88.66% of the companies in the same industry are doing better.
| 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.
The Earnings Per Share has been growing slightly by 4.14% on average over the past years.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.74, the valuation of BANX can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of BANX indicates a rather cheap valuation: BANX is cheaper than 81.51% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BANX to the average of the S&P500 Index (27.08), we can say BANX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.74 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BANX indicates a somewhat cheap valuation: BANX is cheaper than 72.69% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.63 | ||
| 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)2.11
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 7.99, BANX pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, 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 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 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
NASDAQ:BANX (8/29/2025, 8:07:40 PM)
20.55
-0.17 (-0.82%)
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 Change1.3%
Market Cap146.52M
Analysts82.86
Price TargetN/A
Short Float %0.45%
Short Ratio1.94
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 | 8.74 | ||
| Fwd PE | N/A | ||
| P/S | 5.56 | ||
| P/FCF | 10.63 | ||
| P/OCF | 10.63 | ||
| P/B | 0.94 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.35
EY11.44%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.93
FCFY9.41%
OCF(TTM)1.93
OCFY9.41%
SpS3.7
BVpS21.75
TBVpS21.75
PEG (NY)N/A
PEG (5Y)2.11
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 | 1.77 |
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%