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ARROWMARK FINANCIAL CORP (BANX) Stock Fundamental Analysis

NASDAQ:BANX - Nasdaq - US8617801043 - Common Stock - Currency: USD

20.97  -0.02 (-0.1%)

Fundamental Rating

4

Overall BANX gets a fundamental rating of 4 out of 10. We evaluated BANX against 233 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.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

BANX had positive earnings in the past year.
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.
BANX Yearly Net Income VS EBIT VS OCF VS FCFBANX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M

1.2 Ratios

BANX has a Return On Assets of 8.04%. This is amongst the best in the industry. BANX outperforms 87.12% of its industry peers.
BANX's Return On Equity of 10.80% is fine compared to the rest of the industry. BANX outperforms 63.95% 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 73.39% 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 7.84%.
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 RankSector 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%
BANX Yearly ROA, ROE, ROICBANX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of BANX (63.51%) is better than 95.71% of its industry peers.
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 94.42% of its industry peers.
In the last couple of years the Operating Margin of BANX has declined.
Looking at the Gross Margin, with a value of 64.03%, BANX is in the better half of the industry, outperforming 69.96% of the companies in the same industry.
BANX's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
BANX Yearly Profit, Operating, Gross MarginsBANX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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3

2. Health

2.1 Basic Checks

Compared to 1 year ago, BANX has about the same amount of shares outstanding.
The number of shares outstanding for BANX has been increased compared to 5 years ago.
The debt/assets ratio for BANX is higher compared to a year ago.
BANX Yearly Shares OutstandingBANX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
BANX Yearly Total Debt VS Total AssetsBANX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.2 Solvency

BANX has an Altman-Z score of 1.79. 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 (1.79) is better than 68.24% of its industry peers.
The Debt to FCF ratio of BANX is 3.40, which is a good value as it means it would take BANX, 3.40 years of fcf income to pay off all of its debts.
BANX's Debt to FCF ratio of 3.40 is fine compared to the rest of the industry. BANX outperforms 74.25% of its industry peers.
A Debt/Equity ratio of 0.30 indicates that BANX is not too dependend on debt financing.
BANX has a better Debt to Equity ratio (0.30) than 75.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 3.4
Altman-Z 1.79
ROIC/WACCN/A
WACCN/A
BANX Yearly LT Debt VS Equity VS FCFBANX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

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: 91.85% of the companies in the same industry are doing better.
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 has a worse Quick ratio (0.12) than 91.42% of its industry peers.
Industry RankSector Rank
Current Ratio 0.12
Quick Ratio 0.12
BANX Yearly Current Assets VS Current LiabilitesBANX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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2

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%.
The Earnings Per Share has been growing slightly by 4.14% on average over the past years.
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.
BANX Yearly Revenue VS EstimatesBANX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
BANX Yearly EPS VS EstimatesBANX Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.92, the valuation of BANX can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of BANX indicates a somewhat cheap valuation: BANX is cheaper than 79.83% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BANX to the average of the S&P500 Index (27.28), we can say BANX is valued rather cheaply.
Industry RankSector Rank
PE 8.92
Fwd PE N/A
BANX Price Earnings VS Forward Price EarningsBANX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BANX is valued a bit cheaper than 75.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.85
EV/EBITDA N/A
BANX Per share dataBANX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The decent profitability rating of BANX may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)2.16
EPS Next 2YN/A
EPS Next 3YN/A

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6

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 8.00, BANX pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.42, BANX pays a better dividend.
Industry RankSector 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
BANX Yearly Dividends per shareBANX Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

79.81% of the earnings are spent on dividend by BANX. 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
BANX Yearly Income VS Free CF VS DividendBANX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M
BANX Dividend Payout.BANX Dividend Payout, showing the Payout Ratio.BANX Dividend Payout.PayoutRetained Earnings

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ARROWMARK FINANCIAL CORP

NASDAQ:BANX (7/2/2025, 8:17:48 PM)

20.97

-0.02 (-0.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)06-12 2025-06-12
Earnings (Next)08-21 2025-08-21
Inst Owners18.63%
Inst Owner Change6.38%
Ins Owners0.25%
Ins Owner Change-1.63%
Market Cap149.52M
Analysts82.86
Price TargetN/A
Short Float %0.43%
Short Ratio1.59
Dividend
Industry RankSector Rank
Dividend Yield 10.42%
Yearly Dividend1.88
Dividend Growth(5Y)2.98%
DP79.81%
Div Incr Years0
Div Non Decr Years0
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 RankSector Rank
PE 8.92
Fwd PE N/A
P/S 5.67
P/FCF 10.85
P/OCF 10.85
P/B 0.96
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)2.35
EY11.21%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.93
FCFY9.22%
OCF(TTM)1.93
OCFY9.22%
SpS3.7
BVpS21.75
TBVpS21.75
PEG (NY)N/A
PEG (5Y)2.16
Profitability
Industry RankSector 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 RankSector 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 1.79
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%