BM Technologies Statistics

Total Valuation

BM Technologies has a market cap or net worth of $60.50 million. The enterprise value is $49.27 million.

Market Cap	60.50M
Enterprise Value	49.27M

Important Dates

The last earnings date was Thursday, November 14, 2024, after market close.

Earnings Date	Nov 14, 2024
Ex-Dividend Date	n/a

Share Statistics

BM Technologies has 12.10 million shares outstanding. The number of shares has increased by 0.56% in one year.

Current Share Class	12.10M
Shares Outstanding	12.10M
Shares Change (YoY)	+0.56%
Shares Change (QoQ)	+0.12%
Owned by Insiders (%)	24.51%
Owned by Institutions (%)	34.64%
Float	5.75M

Valuation Ratios

PE Ratio	n/a
Forward PE	166.67
PS Ratio	1.02
Forward PS	1.01
PB Ratio	2.81
P/TBV Ratio	n/a
P/FCF Ratio	6.95
P/OCF Ratio	6.80
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	0.85
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	5.66

Financial Position

The company has a current ratio of 0.83

Current Ratio	0.83
Quick Ratio	0.73
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -46.77% and return on invested capital (ROIC) is -23.69%.

Return on Equity (ROE)	-46.77%
Return on Assets (ROA)	-13.92%
Return on Invested Capital (ROIC)	-23.69%
Return on Capital Employed (ROCE)	-48.72%
Revenue Per Employee	$288,290
Profits Per Employee	-$65,205
Employee Count	200
Asset Turnover	1.22
Inventory Turnover	n/a

Taxes

In the past 12 months, BM Technologies has paid $24,000 in taxes.

Income Tax	24,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +121.24% in the last 52 weeks. The beta is 0.18, so BM Technologies's price volatility has been lower than the market average.

Beta (5Y)	0.18
52-Week Price Change	+121.24%
50-Day Moving Average	4.85
200-Day Moving Average	3.43
Relative Strength Index (RSI)	72.47
Average Volume (20 Days)	360,093

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, BM Technologies had revenue of $57.66 million and -$13.04 million in losses. Loss per share was -$1.11.

Revenue	57.66M
Gross Profit	34.71M
Operating Income	-10.57M
Pretax Income	-11.60M
Net Income	-13.04M
EBITDA	-9.95M
EBIT	-10.57M
Loss Per Share	-$1.11

Full Income Statement

Balance Sheet

Cash & Cash Equivalents	11.22M
Total Debt	n/a
Net Cash	11.22M
Net Cash Per Share	$0.93
Equity (Book Value)	21.53M
Book Value Per Share	1.78
Working Capital	-3.72M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $8.90 million and capital expenditures -$199,000, giving a free cash flow of $8.70 million.

Operating Cash Flow	8.90M
Capital Expenditures	-199,000
Free Cash Flow	8.70M
FCF Per Share	$0.72

Full Cash Flow Statement

Margins

Gross margin is 60.20%, with operating and profit margins of -18.33% and -22.62%.

Gross Margin	60.20%
Operating Margin	-18.33%
Pretax Margin	-22.58%
Profit Margin	-22.62%
EBITDA Margin	-17.25%
EBIT Margin	-18.33%
FCF Margin	15.09%

Dividends & Yields

BM Technologies does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.56%
Shareholder Yield	-0.56%
Earnings Yield	-21.56%
FCF Yield	14.38%

Analyst Forecast

The average price target for BM Technologies is $6.70, which is 34.00% higher than the current price. The consensus rating is "Buy".

Price Target	$6.70
Price Target Difference	34.00%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

BM Technologies has an Altman Z-Score of -0.4 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	-0.4
Piotroski F-Score	4