Business Description
BM Technologies Inc
NAICS : 541511
SIC : 7371
201 King of Prussia Road, Suite 350, Wayne, PA, USA, 19087
Description
BM Technologies Inc provides digital banking and disbursement services to consumers and students nationwide through a full service fintech banking platform, accessible to customers anywhere and anytime through digital channels. It facilitates deposits and banking services between a customer and its Partner Bank, Customers Bank, which is a related party and is a Federal Deposit Insurance Corporation (FDIC) insured bank. Its revenue sources include interchange and card revenue, servicing fees from BMTX's Partner Bank, account fees, and university fees.
Financial Strength
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 61.79 | |||||
| Equity-to-Asset | 0.5 | |||||
| Debt-to-Equity | 0.01 | |||||
| Debt-to-EBITDA | 0.01 | |||||
| Interest Coverage | 59.7 | |||||
| Piotroski F-Score | 8/9 | |||||
| Altman Z-Score | 3.24 | |||||
| Beneish M-Score | -4.19 | |||||
| WACC vs ROIC | ||||||
Growth Rank
| Name | Current | Vs Industry | Vs History |
|---|
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 73.74 | |||||
| 9-Day RSI | 68.62 | |||||
| 14-Day RSI | 63.61 | |||||
| 6-1 Month Momentum % | -36.51 | |||||
| 12-1 Month Momentum % | -40 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Current Ratio | 1.49 | |||||
| Quick Ratio | 1.49 | |||||
| Cash Ratio | 1.04 | |||||
| Days Sales Outstanding | 28.87 | |||||
| Days Payable | 108.6 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History |
|---|
Profitability Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Gross Margin % | 67.17 | |||||
| Operating Margin % | 6.03 | |||||
| Net Margin % | 17.94 | |||||
| ROE % | 55.3 | |||||
| ROA % | 23.38 | |||||
| ROIC % | 7.25 | |||||
| ROC (Joel Greenblatt) % | 6555.27 | |||||
| ROCE % | 51.67 | |||||
| Years of Profitability over Past 10-Year | 2 |
GF Value Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 158.93 | |||||
| PE Ratio without NRI | 158.93 | |||||
| PS Ratio | 0.9 | |||||
| PB Ratio | 2.03 | |||||
| Price-to-Free-Cash-Flow | 3.1 | |||||
| Price-to-Operating-Cash-Flow | 3 | |||||
| EV-to-EBIT | 2.29 | |||||
| EV-to-EBITDA | 1.46 | |||||
| EV-to-Revenue | 0.57 | |||||
| EV-to-FCF | 2 | |||||
| Earnings Yield (Greenblatt) % | 43.87 |
Guru Trades
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Insider Trades
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Executives
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Analyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 94.987 | ||
| EPS (TTM) ($) | 0.04 | ||
| Beta | 0 | ||
| Volatility % | 49.52 | ||
| 14-Day RSI | 63.61 | ||
| 14-Day ATR ($) | 0.377186 | ||
| 20-Day SMA ($) | 6.0195 | ||
| 12-1 Month Momentum % | -40 | ||
| 52-Week Range ($) | 5.4 - 15.1 | ||
| Shares Outstanding (Mil) | 12.24 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 8 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
BM Technologies Inc Filings
| Document | Form | Filing Date | ||
|---|---|---|---|---|
| No Filing Data | ||||