Descripción de la empresa
Medallion Bank operates as an industrial bank that originates consumer loans, raises deposits, and conducts various banking activities for individuals and businesses across the United States. The institution focuses on facilitating the purchase of recreation products by offering consumer loans through dealers and financial service providers (FSPs). This entity functions within the Financial Services sector, specifically classified under the Banks - Regional industry, which characterizes its operational scope and competitive landscape. The company reports a market capitalization that is not currently disclosed in available data, while its annual revenue stands at $155.05 million. Although the specific employee count is not publicly listed, the revenue figure of $155.05 million indicates a mid-sized regional player with a significant footprint in the niche market for recreational financing. These financial dimensions suggest the company maintains a substantial operational scale within its specialized segment, balancing local market penetration with broader regional banking standards.
Salud financiera
The bank generated total revenue of $155.05 million over the trailing twelve months, resulting in a net income of $59.89 million, while the specific EBITDA figure is not disclosed in the current dataset. The substantial gap between the reported revenue and net income highlights a highly efficient cost structure, as the company retains a large portion of its top-line earnings after covering all operational expenses. The company does not report free cash flow data in the available facts, which limits the immediate assessment of its operational cash generation flexibility but does not preclude profitability analysis. Medallion Bank demonstrates a gross margin of 0.0%, which is typical for financial intermediaries where the primary revenue comes from interest spreads rather than direct sales margins. The operating margin stands at 65.0%, indicating robust operational efficiency before interest and taxes, while the profit margin reaches 46.6%, reflecting strong bottom-line performance relative to revenue. The institution holds $147.45 million in cash against $50.91 million in debt, suggesting a conservative balance sheet with significant liquidity buffers. While the debt-to-equity ratio is not listed, the absolute comparison of cash to debt implies a low-leverage position that mitigates solvency risks. Additionally, the current ratio is not provided in the available facts, preventing a direct calculation of short-term liquidity coverage relative to current liabilities. The Return on Equity is 17.3%, signaling effective management in generating profits from shareholders' capital, and the Return on Assets is 2.8%, which reflects the bank's asset quality and efficiency in utilizing its balance sheet to produce earnings.
Evaluación de valoración
The trailing twelve-month P/E ratio and forward P/E ratio are both not disclosed in the available data, meaning market expectations regarding future earnings trajectory cannot be derived from these specific multiples at this time. The price-to-book ratio is 0.07, which indicates that the market values the company at a fraction of its book value, suggesting the stock trades at a significant discount to its net asset worth. Neither the price-to-sales ratio nor the EV/EBITDA multiple is available in the current facts, so alternative valuation metrics beyond the price-to-book ratio cannot be utilized for comparative analysis. The stock has a 52-week high of $28.00 and a 52-week low of $23.61, establishing a trading range of $4.39 within the past year. Without the current share price explicitly defined in the facts, the precise percentage deviation from the high or low cannot be calculated, but the range itself defines the recent volatility envelope for the security. The beta value is not listed in the available facts, so a direct comparison of price volatility relative to the broader market index cannot be established based on the provided data.
Growth & Income
Revenue growth over the last year was 26.7%, while earnings growth surged to 78.9%, indicating that profitability is expanding at a rate significantly faster than the top line. This divergence implies that the company is successfully improving its operational leverage or margin expansion, as earnings are growing more rapidly than the revenue base. The dividend yield is reported at 9.0%, while the specific payout ratio is not disclosed in the available facts, yet the high yield suggests a substantial portion of earnings is distributed to shareholders. Given the lack of a listed payout ratio, the sustainability of this yield must be evaluated against the strong earnings growth of 78.9% to ensure the dividend is not exceeding the company's capacity to pay. Overall, the company presents a profile characterized by high earnings growth, a substantial dividend yield, and a valuation that trades at a deep discount to its book value, all within a regional banking context.