BMTX (BM Technologies) GF Value : $3.07 (As of Jul. 19, 2025)

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What is BM Technologies GF Value?

As of today (2025-07-19), BM Technologies's share price is $5.00. BM Technologies's GF Value is $3.07. Therefore, BM Technologies's Price-to-GF-Value for today is 1.63. Based on the relationship between the current stock price and the GF Value, GuruFocus believes BM Technologies is Data Out of Date, Use Caution.

The GF Value represents the intrinsic value of a stock, determined using GuruFocus' proprietary methodology. The GF Value Line on our stock Summary page provides an estimate of the stock’s fair-trading value.

To calculate this value, GuruFocus follows these steps:

We analyze historical correlations between the stock price and key business performance metrics, such as revenue, earnings, cash flow, and book value.
We identify the metrics that have the strongest historical correlation with the stock price and determine the historical multiples at which the stock has traded relative to these metrics.
Using these historical multiples as a reference, we estimate the stock's fair value while accounting for future business growth. Adjustments may be made based on the company’s past returns and growth trends.

GuruFocus believes that the GF Value Line represents the fair value at which a stock should trade. Stock prices typically fluctuate around this line. If a stock’s price is significantly above the GF Value Line, it is considered overvalued, and its future returns are likely to be lower. Conversely, if the stock price is significantly below the GF Value Line, its future returns are likely to be higher.

BM Technologies (AMEX:BMTX) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 ratings:

Posssible Evaluations	All-in-One Screener Examples (1)
Possible Value Trap, Think Twice	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (2)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (2)	Predictable High Quality Companies which are Significantly Undervalued

(1) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(2) A sufficient margin of safety exists only when the stock is undervalued.

Possible Value Trap, Think Twice companies are those that appear significantly undervalued based on their Price-to-GF-Value ratio, but whose fundamentals show signs of weakness.

Indicators that a company may be a value trap include:

    * Deteriorating Financial Health: A low Altman Z-scores indicates a higher risk of bankruptcy, or a low Piotroski F-Score.
    * Earnings Manipulation: A high Beneish M-score indicates potential earnings manipulation, raising concerns about the reliability of reported financials.
    * Stagnant or Declining Growth: Lack of revenue or earnings growth, or a recent slowdown, may signal limited future prospects.

Investors should conduct thorough due diligence, examining financial statements and growth indicators, to avoid falling into value traps.

BM Technologies's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	5.00	/	3.07
	=	1.63

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

BM Technologies GF Value Related Terms

Thank you for viewing the detailed overview of BM Technologies's GF Value provided by GuruFocus.com. Please click on the following links to see related term pages.

BM Technologies Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Technology » Software » BM Technologies Inc (AMEX:BMTX) » Definitions » GF Value

Comparable Companies

Traded in Other Exchanges

N/A

Address

201 King of Prussia Road, Suite 650, Wayne, PA, USA, 19087

Website

https://www.bmtx.com

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. The company has four primary revenue sources: interchange and card revenue, servicing fees, account fees, and university fees. The majority of revenues are driven by customer activity (deposits, spending, transactions, etc.) and may be paid or passed through by customer banks, universities, or paid directly by customers.

Executives

Michael Richard Pavone	director	201 KING OF PRUSSIA ROAD, SUITE 650, WAYNE PA 19087
Rajinder Singh	director	C/O BM TECHNOLOGIES, INC., 201 KING OF PRUSSIA ROAD, SUITE 650, WAYNE PA 19087
Warren Taylor	officer: Executive Vice President	1015 PENN AVENUE, SUITE 103, WYOMISSING PA 19610
John J Dolan	director	201 KING OF PRUSSIA ROAD, SUITE 350, WAYNE PA 19087
James Francis Dullinger	officer: Chief Accounting Officer	C/O IOTA COMMUNICATIONS, INC., 645 HAMILTON STREET, SUITE 400, ALLENTOWN PA 18101
James M. Donahue	officer: Chief Technology Officer	201 KING OF PRUSSIA ROAD, SUITE 350, C/O BM TECHNOLOGIES, INC., WAYNE PA 19087
Aaron Hodari	director	201 KING OF PRUSSIA ROAD, SUITE 350, WAYNE PA 19087
Andrew J. Dunklau	officer: President and Secretary	1345 AVENUE OF THE AMERICAS 11TH FL, NEW YORK NY 10105
Schechter Private Capital, Llc	10 percent owner	251 PIERCE STREET, BIRMINGHAM MI 48009
Pankaj Dinodia	director	201 KING OF PRUSSIA ROAD, SUITE 350, WAYNE PA 19087
Robert H Ramsey	officer: Chief Financial Officer	201 KING OF PRUSSIA ROAD, SUITE 350, WAYNE PA 19087
Marcy Schwab	director	201 KING OF PRUSSIA ROAD, SUITE 350, WAYNE PA 19087
Brent Hurley	director	201 KING OF PRUSSIA ROAD, SUITE 350, WAYNE PA 19087
Robert Diegel	officer: Chief Operating Officer	201 KING OF PRUSSIA ROAD, SUITE 350, WAYNE PA 19087
Mike Gill	director	201 KING OF PRUSSIA ROAD, SUITE 350, WAYNE PA 19087