Summary
65 / 100 · Bulios Score
What speaks for it
- Out of every 100 USD of revenue, 29 USD is left as net profit.
- Revenue grew by 13% a year over the last 3 years.
- The share price is below the Bulios Fair Price.
- It bought back its own shares for $100.3M in the last fiscal year, 3.3% of its market value.
What to watch
- Analysts expect revenue to fall by 22% this fiscal year.
Bulios Scoring describes a company's quality and track record, not its future return. A high score is not a buy signal. Learn more
Score in detailPrice
Is it expensive?
Looks cheapPrice against the Bulios Fair Price
P/E against the industry (Banks - Regional)
Bulios Fair Price is an estimate of a stock's fair value from the Bulios valuation model. It is an input for your own analysis, not investment advice. How does it work?
Today you pay 10.5 USD for 1 USD of yearly profit.
Valuation in detailIs it growing?
SlowlyRevenue (USD)
Diluted EPS (USD)
- Analyst estimate
Revenue grew by 9.0% a year over 5 years. Over the last 3 years it grew by 13% a year. For the next fiscal year analysts expect revenue to fall by 22%. Earnings per share grew by 1.9% a year over the last 3 years.
Growth in detailDoes it make money?
Very wellWhere 100 USD of revenue goes
- Cost of sales 29 USD
- Sales and administration 51 USD
- Taxes and other -9.7 USD
- Net profit 29 USD
Net profit, industry median (Banks - Regional) 6.0 USD
Out of every 100 USD of revenue, 29 USD is left as net profit.
Profitability in detailIs it financially healthy?
Banks and insurers work with their customers' money, so their debt is judged differently; see the health section for their capital figures.
Financial health in detailDoes it pay a dividend?
Moderate, safe- Yield
- 4.21%
- Paid out of profit
- 44%
You receive $1.04 per share a year. The company covers the payout with ease.
Dividends in detailWhat do analysts expect?
Neutral- Buy 4
- Hold 11
- Sell 3
Today's price within the analysts' price targets
The average target of $30.25 is 23% above today's price. 22% of the analysts recommend buying.
Analysts in detailWhat does it earn on?
Fiscal year 2025By product
- Credit and Debit Card 35%
- Financial Service, Other 26%
- Fiduciary and Trust 21%
- Deposit Account 18%
By region
The company reports no revenue by region.
Credit and Debit Card brings in 35% of revenue.
Segments in detail