| Market Cap | 51.6 M | P/E(ttm) | |
|---|---|---|---|
| Enterprise Value | P/B |
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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | 0 | 0 | 0 |
| EBITDA Growth (%) | 0 | 0 | 0 |
| Free Cash Flow Growth (%) | 0 | 0 | 0 |
| Book Value Growth (%) | 0 | 0 | 0 |
See this page for the explanation of the data and charts
* All numbers are in millions except for per share data
| Per Share Data | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec01 | Dec02 | Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec09 | Dec10 | Dec11 | TTM | Dec06 | Mar07 | Jun07 | Sep07 | Dec07 |
| Revenue per Share ($) | 5.63 |
5.93 |
6.44 |
6.60 |
6.94 |
1.05 |
6.94 |
9.03 |
8.57 |
8.76 |
6.93 |
-2.18 |
1.63 |
1.68 |
1.85 |
1.77 |
| EBITDA per Share | 2.09 |
2.24 |
2.64 |
2.67 |
2.23 |
-0.31 |
1.90 |
3.53 |
3.67 |
3.53 |
1.91 |
-1.31 |
0.46 |
0.43 |
0.50 |
0.52 |
| Free Cashflow per Share | 2.51 |
1.01 |
-0.91 |
5.24 |
-- |
-- |
2.02 |
1.85 |
2.77 |
2.14 |
1.92 |
-- |
-- |
-- |
-- |
1.92 |
| Earnings per Share ($) | 1.14 |
1.18 |
1.25 |
1.38 |
1.50 |
0.91 |
1.05 |
1.39 |
1.49 |
1.41 |
1.04 |
0.20 |
0.34 |
0.32 |
0.38 |
-- |
| Dividends Per Share | 0.31 |
0.34 |
0.40 |
0.43 |
0.49 |
0.57 |
0.65 |
0.69 |
0.69 |
0.73 |
0.65 |
0.15 |
0.15 |
0.16 |
0.17 |
0.17 |
| Book Value per Share | 9.97 |
10.84 |
11.31 |
11.79 |
12.31 |
13.30 |
16.57 |
16.03 |
16.65 |
17.62 |
15.78 |
13.30 |
13.34 |
13.01 |
13.64 |
15.78 |
| Month End Stock Price | 11.46 |
12.52 |
16.80 |
18.33 |
17.69 |
21.65 |
15.43 |
14.50 |
15.80 |
15.60 |
15.43 |
21.65 |
18.95 |
17.91 |
16.84 |
15.43 |
| Ratios | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec01 | Dec02 | Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec09 | Dec10 | Dec11 | Latest Q. | Dec06 | Mar07 | Jun07 | Sep07 | Dec07 |
| Return on Equity % | 11.40 |
10.90 |
11.00 |
11.70 |
12.20 |
-1.10 |
5.10 |
8.30 |
8.60 |
7.80 |
1.60 |
-25.60 |
10.00 |
10.00 |
11.20 |
1.60 |
| Return on Assets % | 0.80 |
0.80 |
0.90 |
0.80 |
0.80 |
-0.10 |
0.50 |
0.90 |
1.00 |
1.00 |
-- | -1.60 |
0.80 |
0.80 |
0.80 |
-- |
| Return on Capital - Joel Greenblatt % | -- |
-- |
64.80 |
38.90 |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 1.67 |
0.57 |
0.91 |
1.43 |
2.89 |
0.85 |
1.29 |
1.60 |
1.44 |
0.65 |
1.29 |
0.85 |
0.87 |
1.92 |
1.72 |
1.29 |
| Operating Margin % | 31.70 |
31.40 |
30.50 |
31.50 |
32.20 |
-29.70 |
21.30 |
32.80 |
36.60 |
36.50 |
6.00 |
60.10 |
28.00 |
25.60 |
26.90 |
6.00 |
| Net Margin % | 20.20 |
20.00 |
19.40 |
20.80 |
21.70 |
-13.50 |
16.00 |
22.30 |
24.80 |
24.80 |
4.20 |
39.20 |
20.80 |
19.50 |
20.60 |
4.20 |
| Debt to Revenue | 2.95 |
1.03 |
1.59 |
2.55 |
5.14 |
10.73 |
4.03 |
4.29 |
4.16 |
2.07 |
15.00 |
-5.17 |
7.10 |
14.87 |
12.67 |
15.00 |
| Interest Exp. to Revenue % | 84.64 |
82.83 |
79.32 |
83.67 |
79.89 |
121 |
80.48 |
77.20 |
76.46 |
76.69 |
79.14 |
64.57 |
82.91 |
82.41 |
77.96 |
79.14 |
| Asset Turnover | 0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.01 |
0.03 |
0.04 |
0.04 |
0.04 |
0.01 |
-0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
| Buyback Ratio | -- |
-- |
-- |
-- |
-- |
-- |
-283 |
-- |
-- |
-- |
-283 |
-- |
-- |
-- |
-- |
-283 |
| Dividend Payout Ratio | 0.27 |
0.29 |
0.32 |
0.31 |
0.33 |
-- |
0.59 |
0.35 |
0.33 |
0.34 |
2.34 |
-- |
0.44 |
0.48 |
0.46 |
2.34 |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec01 | Dec02 | Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec09 | Dec10 | Dec11 | TTM | Dec06 | Mar07 | Jun07 | Sep07 | Dec07 |
| Net Interest Income | 9.50 |
9.68 |
9.99 |
10.44 |
10.26 |
2.36 |
10.55 |
15.70 |
14.92 |
15.55 |
10.55 |
-2.60 |
2.51 |
2.58 |
2.68 |
2.79 |
| Non Interest Income | 1.72 |
2.01 |
2.60 |
2.04 |
2.58 |
-0.42 |
2.56 |
4.64 |
4.59 |
4.73 |
2.56 |
-1.43 |
0.52 |
0.55 |
0.76 |
0.73 |
| Revenue | 11.22 |
11.69 |
12.59 |
12.48 |
12.84 |
1.94 |
13.11 |
20.34 |
19.51 |
20.28 |
13.11 |
-4.03 |
3.03 |
3.13 |
3.43 |
3.52 |
| Selling, General, &Admin. Expense | 4.12 |
4.27 |
4.50 |
4.72 |
4.78 |
1.31 |
6.97 |
9.08 |
8.07 |
8.15 |
6.97 |
-0.93 |
1.24 |
1.29 |
1.43 |
3.01 |
| Credit Losses Provision | 0.26 |
0.41 |
0.62 |
0.17 |
0.16 |
-- |
0.53 |
0.59 |
0.52 |
0.67 |
0.53 |
-- |
-- |
0.06 |
0.18 |
0.29 |
| Other Expenses | 2.68 |
2.58 |
2.31 |
2.54 |
3.77 |
1.21 |
2.02 |
2.72 |
2.56 |
3.29 |
2.02 |
-0.99 |
0.95 |
0.97 |
0.90 |
-0.80 |
| Earnings Before DDA | 4.17 |
4.43 |
5.17 |
5.05 |
4.13 |
-0.58 |
3.60 |
7.95 |
8.37 |
8.17 |
3.60 |
-2.42 |
0.85 |
0.80 |
0.93 |
1.02 |
| Depreciation, Depletion and Amortization | 0.60 |
0.76 |
1.33 |
1.12 |
-- |
-- |
0.81 |
1.28 |
1.23 |
0.76 |
0.81 |
-- |
-- |
-- |
-- |
0.81 |
| Operating Income | 3.56 |
3.67 |
3.84 |
3.93 |
4.13 |
-0.58 |
2.79 |
6.68 |
7.14 |
7.41 |
2.79 |
-2.42 |
0.85 |
0.80 |
0.93 |
0.21 |
| Net Income | 2.27 |
2.34 |
2.44 |
2.60 |
2.78 |
-0.26 |
2.10 |
4.53 |
4.83 |
5.03 |
2.10 |
-1.58 |
0.63 |
0.61 |
0.71 |
0.15 |
| Preferred dividends | -- |
-- |
-- |
-- |
-- |
-- |
-- |
1.41 |
1.45 |
1.76 |
-- | -- |
-- |
-- |
-- |
-- |
| Earnings per Share ($) | 1.14 |
1.18 |
1.25 |
1.38 |
1.50 |
0.91 |
1.05 |
1.39 |
1.49 |
1.41 |
1.04 |
0.20 |
0.34 |
0.32 |
0.38 |
-- |
| Total Shares Outstanding | 1.99 |
1.97 |
1.96 |
1.89 |
1.85 |
1.85 |
1.89 |
2.25 |
2.28 |
2.32 |
1.99 |
1.85 |
1.86 |
1.86 |
1.86 |
1.99 |
| Balance Sheet | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec01 | Dec02 | Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec09 | Dec10 | Dec11 | Latest Q. | Dec06 | Mar07 | Jun07 | Sep07 | Dec07 |
| Cash and cash equivalents | 7.50 |
14.21 |
6.18 |
7.82 |
8.39 |
19.63 |
29.96 |
50.84 |
21.90 |
47.46 |
29.96 |
19.63 |
6.09 |
7.28 |
6.30 |
29.96 |
| Money Market Investments | 2.17 |
8.43 |
1.33 |
2.38 |
3.37 |
2.90 |
-- |
-- |
0.82 |
0.74 |
-- | 2.90 |
3.10 |
4.08 |
3.99 |
-- |
| Net Loan | 220 |
202 |
185 |
195 |
204 |
225 |
298 |
304 |
308 |
346 |
298 |
225 |
234 |
250 |
257 |
298 |
| Securities & Investments | 39.85 |
49.81 |
79.35 |
101 |
104 |
99.81 |
95.94 |
106 |
131 |
91.16 |
95.94 |
99.81 |
120 |
121 |
109 |
95.94 |
| Accounts Receivable | 1.36 |
1.18 |
1.11 |
1.33 |
1.51 |
1.75 |
2.10 |
1.95 |
1.81 |
1.62 |
2.10 |
1.75 |
1.86 |
2.13 |
2.05 |
2.10 |
| Property, Plant and Equipment | 6.03 |
6.36 |
6.10 |
6.13 |
5.74 |
5.48 |
6.17 |
5.67 |
5.54 |
5.39 |
6.17 |
5.48 |
5.37 |
5.30 |
5.31 |
6.17 |
| Intangible Assets | 0.78 |
0.67 |
0.56 |
0.46 |
0.35 |
0.64 |
13.60 |
13.09 |
12.91 |
12.76 |
13.60 |
0.64 |
0.61 |
0.57 |
0.53 |
13.60 |
| Other Assets | 1.53 |
1.40 |
4.73 |
4.74 |
5.57 |
16.49 |
8.41 |
16.59 |
18.08 |
18.71 |
8.41 |
16.49 |
5.28 |
5.79 |
6.22 |
8.41 |
| Total Assets | 280 |
284 |
285 |
319 |
333 |
371 |
454 |
499 |
500 |
523 |
454 |
371 |
376 |
396 |
390 |
454 |
| Total Deposits | 223 |
238 |
232 |
249 |
242 |
288 |
-- |
353 |
357 |
382 |
-- | 288 |
293 |
291 |
287 |
-- |
| Accounts Payable | -- |
-- |
-- |
-- |
-- |
0.28 |
-- |
-- |
-- |
-- |
-- | 0.28 |
0.23 |
0.32 |
0.39 |
-- |
| Current Portion of Long-Term Debt | -- |
-- |
6.00 |
11.80 |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
0.31 |
-- |
-- |
| Long-Term Debt | 33.13 |
12.08 |
14.03 |
19.97 |
65.91 |
20.85 |
52.78 |
87.16 |
81.09 |
42.02 |
52.78 |
20.85 |
21.53 |
46.20 |
43.49 |
52.78 |
| Other liabilities | 3.68 |
12.25 |
10.03 |
16.35 |
2.91 |
37.55 |
360 |
4.74 |
5.73 |
35.05 |
360 |
37.55 |
36.27 |
34.31 |
34.27 |
360 |
| Total Liabilities | 260 |
263 |
263 |
297 |
311 |
347 |
413 |
444 |
443 |
459 |
413 |
347 |
351 |
372 |
365 |
413 |
| Common Stock | 0.91 |
1.00 |
1.10 |
1.20 |
1.32 |
1.44 |
1.87 |
2.04 |
2.09 |
2.29 |
1.87 |
1.44 |
1.44 |
1.58 |
1.58 |
1.87 |
| Preferred Stock | -- |
-- |
-- |
-- |
-- |
-- |
9.70 |
18.40 |
18.48 |
23.76 |
9.70 |
-- |
-- |
-- |
-- |
9.70 |
| Retained Earnings | 9.01 |
8.46 |
7.23 |
5.96 |
4.71 |
2.05 |
-0.55 |
1.54 |
3.35 |
1.74 |
-0.55 |
2.05 |
2.40 |
-0.58 |
-0.20 |
-0.55 |
| Additional Paid-In Capital | 10.43 |
12.56 |
15.55 |
18.54 |
21.58 |
25.00 |
34.08 |
34.70 |
35.07 |
38.40 |
34.08 |
25.00 |
25.02 |
28.26 |
28.29 |
34.08 |
| Treasury Stock | -0.72 |
-1.07 |
-1.53 |
-2.99 |
-3.15 |
-- |
-3.75 |
-3.55 |
-3.55 |
-3.55 |
-3.75 |
-- |
-- |
-- |
-- |
-3.75 |
| Total Equity | 19.88 |
21.38 |
22.12 |
22.28 |
22.79 |
24.63 |
41.02 |
54.49 |
56.40 |
64.56 |
41.02 |
24.63 |
24.79 |
24.18 |
25.36 |
41.02 |
| Cashflow Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec01 | Dec02 | Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec09 | Dec10 | Dec11 | TTM | Dec06 | Mar07 | Jun07 | Sep07 | Dec07 |
| Net Income | 2.27 |
2.34 |
2.44 |
2.60 |
-- |
-- |
2.10 |
4.53 |
4.83 |
5.03 |
2.10 |
-- |
-- |
-- |
-- |
2.10 |
| Depreciation, Depletion and Amortization | 0.60 |
0.76 |
1.33 |
1.12 |
-- |
-- |
0.81 |
1.28 |
1.23 |
0.76 |
0.81 |
-- |
-- |
-- |
-- |
0.81 |
| Cash Flow from Others | 2.13 |
-1.11 |
-5.55 |
6.18 |
-- |
-- |
1.13 |
-1.14 |
0.79 |
-0.38 |
1.13 |
-- |
-- |
-- |
-- |
1.13 |
| Cash Flow from Operations | 5.01 |
1.98 |
-1.77 |
9.90 |
-- |
-- |
4.03 |
4.66 |
6.86 |
5.41 |
4.03 |
-- |
-- |
-- |
-- |
4.03 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-- |
-0.22 |
-0.49 |
-0.54 |
-0.47 |
-0.22 |
-- |
-- |
-- |
-- |
-0.22 |
| Cash Flow from Acquisitions | -- |
-- |
-- |
-- |
-- |
-- |
28.04 |
-- |
-- |
-- |
28.04 |
-- |
-- |
-- |
-- |
28.04 |
| Cash Flow from Investing | 1.78 |
8.19 |
-11.30 |
-39.85 |
-- |
-- |
6.04 |
26.10 |
-30.02 |
4.22 |
6.04 |
-- |
-- |
-- |
-- |
6.04 |
| Net Issuance of Stock | -0.01 |
-0.35 |
-0.29 |
-1.41 |
-- |
-- |
5.31 |
-- |
-- |
-- |
5.31 |
-- |
-- |
-- |
-- |
5.31 |
| Net Issuance of Preferred Stock | -- |
-- |
-- |
-- |
-- |
-- |
9.70 |
-- |
-- |
4.92 |
9.70 |
-- |
-- |
-- |
-- |
9.70 |
| Net Issuance of Debt | -6.64 |
-11.05 |
4.95 |
17.74 |
-- |
-- |
-12.12 |
-18.34 |
-1.07 |
-5.07 |
-12.12 |
-- |
-- |
-- |
-- |
-12.12 |
| Cash Flow for Dividends | -0.59 |
-0.66 |
-0.76 |
-0.81 |
-- |
-- |
-1.39 |
-2.87 |
-2.94 |
-3.13 |
-1.39 |
-- |
-- |
-- |
-- |
-1.39 |
| Other Financing | 2.46 |
15.37 |
-5.86 |
16.08 |
-- |
-- |
-1.24 |
32.72 |
-0.95 |
19.13 |
-1.24 |
-- |
-- |
-- |
-- |
-1.24 |
| Cash Flow from Financing | -4.78 |
3.31 |
-1.97 |
31.60 |
-- |
-- |
0.26 |
11.51 |
-4.95 |
15.85 |
0.26 |
-- |
-- |
-- |
-- |
0.26 |
| Net Change in Cash | 2.01 |
13.49 |
-15.03 |
1.65 |
-- |
-- |
10.33 |
42.27 |
-28.12 |
25.48 |
10.33 |
-- |
-- |
-- |
-- |
10.33 |
| Free Cash Flow | 5.01 |
1.98 |
-1.77 |
9.90 |
-- |
-- |
3.82 |
4.17 |
6.32 |
4.94 |
3.82 |
-- |
-- |
-- |
-- |
3.82 |
| Valuation Ratios (Daily) | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec01 | Dec02 | Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec09 | Dec10 | Dec11 | Latest Q. | Dec06 | Mar07 | Jun07 | Sep07 | Dec07 |
| PE Ratio(ttm) | ![]() |
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| Price to Tangible Book | ![]() |
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| Price-to-Free-Cash-Flow ratio | ![]() |
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| PS Ratio | ![]() |
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| EV-to-Revenue | ![]() |
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| EV-to-EBITDA | ![]() |
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| EV-to-EBIT | ![]() |
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| Earnings Yield (Joel Greenblatt) | ![]() |
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| Forward Rate of Return | ![]() |
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| Shiller PE Ratio | ![]() |
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| Valuation and Quality | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec01 | Dec02 | Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec09 | Dec10 | Dec11 | Latest Q. | Dec06 | Mar07 | Jun07 | Sep07 | Dec07 |
| Market Cap | ![]() |
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| Enterprise Value | ![]() |
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| Month End Stock Price | ![]() |
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| Net Cash (per share) | ![]() |
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| Net Current Asset Value (per share) | ![]() |
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| DCF (per share) | ![]() |
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| Median PS (per share) | ![]() |
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| Peter Lynch Fair Value (per share) | ![]() |
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| Graham Number (per share) | ![]() |
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| Altman Z-Score | ![]() |
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| Piotroski F-Score | ![]() |
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