企業概要
Medallion Bank operates as an industrial bank that originates consumer loans, raises deposits, and executes various banking activities for individuals and businesses across the United States. The company specializes in financing the purchase of recreational products, such as recreational vehicles, through dealers and financial service providers. It functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which typically implies a focus on local and regional lending markets rather than nationwide retail banking networks. With a market capitalization of N/A and annual revenue of $155.05M, the company's scale reflects its niche positioning within the regional banking landscape. The absence of a disclosed market cap alongside a revenue base of $155.05M suggests a valuation structure that may rely more heavily on asset-backed lending models rather than broad public trading liquidity, while the employee count remains N/A, indicating that labor force size is either proprietary or not publicly disclosed in standard filings.
財務健全性
Medallion Bank reported a trailing twelve-month revenue of $155.05M and net income of $59.89M, while EBITDA figures are listed as N/A in available data. The substantial gap between revenue and net income, evidenced by a profit margin of 46.6%, reveals a highly efficient cost structure where operating expenses are minimized relative to the volume of loans originated. Free cash flow data is currently N/A, which limits the ability to assess immediate financial flexibility from cash generation, though the company holds $147.45M in cash against $50.91M in debt. The gross margin is recorded at 0.0%, a standard characteristic for financial institutions where revenue is recognized net of funding costs rather than as a manufacturing markup. Operating margin stands at 65.0%, indicating that core banking operations cover their internal overheads with significant surplus before taxes and interest. The balance sheet appears conservative, holding $147.45M in cash versus $50.91M in debt, although the specific debt-to-equity ratio is listed as N/A. The current ratio is N/A, preventing a direct quantitative assessment of short-term liquidity relative to liabilities, but the high cash balance suggests robust short-term solvency. Return on Equity is 17.3% and Return on Assets is 2.8%, metrics that collectively reveal management effectiveness in generating returns on shareholder capital and utilizing the total asset base to produce earnings.
バリュエーション評価
Trailing P/E and forward P/E ratios are both listed as N/A, implying that earnings-based valuation multiples are either not applicable or not disclosed, preventing a comparison of expected earnings trajectory via these standard metrics. The price-to-book ratio is 0.07, a figure that indicates the market values the company's equity at a significant discount to its tangible book value, suggesting the stock trades well below the asset replacement cost. Price-to-sales and EV/EBITDA metrics are also N/A, meaning alternative valuation multiples that rely on sales volume or enterprise value relative to earnings are not currently calculable from public data. The 52-week high is $28.00 and the 52-week low is $23.61, providing a trading range within which the current market price must be situated relative to recent volatility. Without a specific current price provided in the facts, the exact percentage deviation from the 52-week high or low cannot be calculated, but the range of $4.39 between the high and low defines the recent price stability. Beta is listed as N/A, which precludes an assessment of the stock's price volatility relative to the broader market movements or its correlation with the S&P 500.
Growth & Income
Revenue growth year-over-year is 26.7% and earnings growth year-over-year is 78.9%, demonstrating that earnings are expanding at a significantly faster rate than revenue. This divergence implies that the company is improving its operational leverage or controlling costs more effectively as its loan portfolio expands, leading to a disproportionate increase in profitability. The company offers a dividend yield of 8.9%, positioning it as a dividend payer that returns cash to shareholders while maintaining a payout ratio that is N/A. Given the high earnings growth rate of 78.9%, the sustainability of the dividend payout is likely supported by the rapid expansion of net income, even without a specific payout ratio figure to verify coverage. The overall growth and income profile presents a dual characteristic of strong earnings acceleration paired with a high current income return via dividends.