Bankguam Holding Financials

BKGM

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2022 Currency USD FYE December

This page shows Bankguam Holding (BKGM) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 58/100

Based on FY2021 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Bankguam Holding's revenue declined 2.7% year-over-year, from $84.8M to $82.5M. This contraction results in a growth score of 29/100.

Leverage

100

Bankguam Holding carries a low D/E ratio of 0.00, meaning only $0.00 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Bankguam Holding converts 16.6% of revenue into free cash flow ($13.7M). This strong cash generation earns a score of 67/100.

Returns

Bankguam Holding's ROE of 11.3% shows moderate profitability relative to equity, earning a score of 36/100. This is up from 7.1% the prior year.

Piotroski F-Score Weak

3/9

Bankguam Holding passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

0.90x

For every $1 of reported earnings, Bankguam Holding generates $0.90 in operating cash flow ($18.5M OCF vs $20.5M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$82.5M

YoY-2.7%

5Y CAGR+1.8%

10Y CAGR+4.9%

Bankguam Holding generated $82.5M in revenue in fiscal year 2021. This represents a decrease of 2.7% from the prior year.

EBITDA

N/A

Net Income

$20.5M

YoY+64.1%

5Y CAGR+8.6%

10Y CAGR+13.6%

Bankguam Holding reported $20.5M in net income in fiscal year 2021. This represents an increase of 64.1% from the prior year.

EPS (Diluted)

N/A

Cash & Balance Sheet

Free Cash Flow

$13.7M

YoY-44.8%

5Y CAGR+3.7%

10Y CAGR+5.1%

Bankguam Holding generated $13.7M in free cash flow in fiscal year 2021, representing cash available after capex. This represents a decrease of 44.8% from the prior year.

Cash & Debt

$557.4M

YoY+93.8%

10Y CAGR+15.6%

Bankguam Holding held $557.4M in cash against $0 in long-term debt as of fiscal year 2021.

Dividends Per Share

$0.40

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR-2.2%

Bankguam Holding paid $0.40 per share in dividends in fiscal year 2021. This represents an increase of 0.0% from the prior year.

Shares Outstanding

10M

YoY+0.2%

5Y CAGR+1.0%

10Y CAGR+1.0%

Bankguam Holding had 10M shares outstanding in fiscal year 2021. This represents an increase of 0.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

24.9%

YoY+10.1pp

5Y CAGR+6.9pp

10Y CAGR+13.7pp

Bankguam Holding's net profit margin was 24.9% in fiscal year 2021, showing the share of revenue converted to profit. This is up 10.1 percentage points from the prior year.

Return on Equity

11.3%

YoY+4.3pp

5Y CAGR+1.1pp

10Y CAGR+4.9pp

Bankguam Holding's ROE was 11.3% in fiscal year 2021, measuring profit generated per dollar of shareholder equity. This is up 4.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$4.8M

YoY+16.6%

5Y CAGR+7.5%

10Y CAGR+6.2%

Bankguam Holding invested $4.8M in capex in fiscal year 2021, funding long-term assets and infrastructure. This represents an increase of 16.6% from the prior year.

BKGM Income Statement

Metric	FY21	FY20	FY19	FY18	FY17	FY16
Revenue	$82.5M-2.7%	$84.8M-8.8%	$92.9M+3.2%	$90.0M+10.2%	$81.7M+8.1%	$75.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.9M-15.8%	$2.3M-9.0%	$2.5M+17.6%	$2.1M-3.4%	$2.2M+2.4%	$2.1M
Income Tax	$5.1M+47.1%	$3.5M-38.2%	$5.6M+92.3%	$2.9M-69.8%	$9.6M+68.6%	$5.7M
Net Income	$20.5M+64.1%	$12.5M-22.7%	$16.2M+25.8%	$12.8M+50.3%	$8.5M-37.0%	$13.6M
EPS (Diluted)	N/A	N/A	$1.62+26.6%	$1.28+48.8%	$0.86-41.1%	$1.46

Metric	Q3'22	Q2'22	Q1'22	Q4'21	Q3'21	Q2'21	Q1'21	Q4'20
Revenue	$24.0M+10.0%	$21.9M+4.1%	$21.0M+0.4%	$20.9M0.0%	$20.9M+3.5%	$20.2M-1.6%	$20.5M-3.9%	$21.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$516K-0.4%	$518K+2.0%	$508K-15.2%	$599K-0.2%	$600K+67.6%	$358K+1.4%	$353K+0.6%	$351K
Income Tax	$1.4M+39.1%	$998K+22.5%	$815K-46.3%	$1.5M+15.9%	$1.3M-14.6%	$1.5M+110.7%	$729K-21.9%	$934K
Net Income	$5.2M+31.9%	$3.9M+19.7%	$3.3M-46.0%	$6.1M+15.4%	$5.2M-11.3%	$5.9M+79.4%	$3.3M-17.1%	$4.0M
EPS (Diluted)	$0.51+30.8%	$0.39	N/A	N/A	$0.53-10.2%	$0.59	N/A	N/A

BKGM Balance Sheet

Metric	FY21	FY20	FY19	FY18	FY17	FY16
Total Assets	$2.8B+18.7%	$2.4B+20.4%	$2.0B+3.2%	$1.9B-3.8%	$2.0B+2.3%	$1.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$557.4M+93.8%	$287.6M+118.4%	$131.7M-15.1%	$155.1M+23.0%	$126.1M	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$5.1M+63.1%	$3.1M-80.6%	$16.0M+229.9%	$4.9M	N/A	N/A
Goodwill	$13.0M+1562.1%	$783K0.0%	$783K0.0%	$783K0.0%	$783K0.0%	$783K
Total Liabilities	$2.6B+20.0%	$2.2B+21.6%	$1.8B+2.6%	$1.7B-4.6%	$1.8B+2.1%	$1.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$0	$0	$0	$0	$0	$0
Total Equity	$180.7M+2.1%	$177.1M+7.8%	$164.2M+10.8%	$148.3M+7.3%	$138.1M+4.5%	$132.2M
Retained Earnings	$153.7M+11.7%	$137.6M+6.2%	$129.6M+10.4%	$117.3M+7.7%	$108.9M+4.1%	$104.6M

Metric	Q3'22	Q2'22	Q1'22	Q4'21	Q3'21	Q2'21	Q1'21	Q4'20
Total Assets	$2.6B-4.1%	$2.7B-1.9%	$2.7B-2.3%	$2.8B-7.5%	$3.0B+3.0%	$2.9B+21.6%	$2.4B+2.4%	$2.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$265.0M-18.6%	$325.4M-27.4%	$448.4M-19.5%	$557.4M-31.6%	$815.5M+2.8%	$793.4M+146.6%	$321.8M+11.9%	$287.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	$5.1M	N/A	N/A	N/A	$3.1M
Goodwill	$13.0M0.0%	$13.0M0.0%	$13.0M0.0%	$13.0M0.0%	$13.0M	N/A	N/A	$783K
Total Liabilities	$2.4B-3.7%	$2.5B-1.5%	$2.6B-1.6%	$2.6B-8.1%	$2.8B+2.8%	$2.8B+22.7%	$2.2B+3.4%	$2.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$0	$0	$0	$0	$0	$0	$0	$0
Total Equity	$128.4M-11.0%	$144.3M-8.5%	$157.7M-12.8%	$180.7M+1.1%	$178.8M+6.1%	$168.5M+6.2%	$158.6M-10.4%	$177.1M
Retained Earnings	$162.7M+2.5%	$158.7M+1.8%	$155.9M+1.4%	$153.7M+3.3%	$148.8M+2.9%	$144.6M+3.4%	$139.8M+1.6%	$137.6M

BKGM Cash Flow Statement

Metric	FY21	FY20	FY19	FY18	FY17	FY16
Operating Cash Flow	$18.5M-36.1%	$29.0M+35.1%	$21.5M-44.9%	$39.0M+210.0%	$12.6M-15.2%	$14.8M
Capital Expenditures	$4.8M+16.6%	$4.1M-21.3%	$5.2M+22.3%	$4.3M+24.6%	$3.4M+2.6%	$3.3M
Free Cash Flow	$13.7M-44.8%	$24.9M+53.3%	$16.2M-53.2%	$34.7M+279.7%	$9.1M-20.4%	$11.5M
Investing Cash Flow	-$178.0M+31.0%	-$258.2M-354.6%	-$56.8M-171.9%	$78.9M+180.7%	-$97.9M+67.5%	-$301.3M
Financing Cash Flow	$429.3M+11.5%	$384.8M+3122.1%	$11.9M+113.4%	-$88.9M-355.7%	$34.8M-90.4%	$362.3M
Dividends Paid	$5.1M+14.3%	$4.4M+0.3%	$4.4M+0.2%	$4.4M+3.0%	$4.3M+13.9%	$3.8M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'22	Q2'22	Q1'22	Q4'21	Q3'21	Q2'21	Q1'21	Q4'20
Operating Cash Flow	$2.6M+123.3%	-$11.0M-3056.7%	-$349K-123.8%	$1.5M-44.5%	$2.6M-81.1%	$14.0M+3071.2%	$441K-91.7%	$5.3M
Capital Expenditures	$848K-16.1%	$1.0M-15.0%	$1.2M-13.8%	$1.4M+46.5%	$942K-29.0%	$1.3M+15.1%	$1.2M+52.3%	$757K
Free Cash Flow	$1.7M+114.3%	-$12.0M-681.5%	-$1.5M-1869.0%	$87K-94.9%	$1.7M-86.6%	$12.7M+1877.8%	-$712K-115.7%	$4.5M
Investing Cash Flow	$35.0M+154.9%	-$63.8M+7.3%	-$68.8M-135.7%	-$29.2M+50.1%	-$58.5M-15.0%	-$50.9M-28.8%	-$39.5M-1184.2%	$3.6M
Financing Cash Flow	-$98.0M-103.4%	-$48.2M-21.0%	-$39.8M+82.7%	-$230.3M-395.5%	$77.9M-84.7%	$508.5M+594.9%	$73.2M+464.4%	-$20.1M
Dividends Paid	$1.4M+2.1%	$1.3M+1.1%	$1.3M-2.2%	$1.3M-10.0%	$1.5M+34.9%	$1.1M+0.3%	$1.1M-0.2%	$1.1M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

BKGM Financial Ratios

Metric	FY21	FY20	FY19	FY18	FY17	FY16
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.9%+10.1pp	14.7%-2.6pp	17.4%+3.1pp	14.3%+3.8pp	10.5%-7.5pp	17.9%
Return on Equity	11.3%+4.3pp	7.1%-2.8pp	9.8%+1.2pp	8.7%+2.5pp	6.2%-4.1pp	10.3%
Return on Assets	0.7%+0.2pp	0.5%-0.3pp	0.8%+0.2pp	0.7%+0.2pp	0.4%-0.3pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.000.0	0.000.0	0.000.0	0.000.0	0.000.0	0.00
FCF Margin	16.6%-12.7pp	29.3%+11.9pp	17.5%-21.0pp	38.5%+27.3pp	11.2%-4.0pp	15.2%

Metric	Q3'22	Q2'22	Q1'22	Q4'21	Q3'21	Q2'21	Q1'21	Q4'20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	21.4%+3.6pp	17.9%+2.3pp	15.6%-13.4pp	28.9%+3.8pp	25.1%-4.2pp	29.3%+13.2pp	16.1%-2.6pp	18.6%
Return on Equity	4.0%+1.3pp	2.7%+0.6pp	2.1%-1.3pp	3.4%+0.4pp	2.9%-0.6pp	3.5%+1.4pp	2.1%-0.2pp	2.3%
Return on Assets	0.2%+0.1pp	0.1%+0.0pp	0.1%-0.1pp	0.2%+0.1pp	0.2%-0.0pp	0.2%+0.1pp	0.1%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.000.0	0.000.0	0.000.0	0.000.0	0.000.0	0.000.0	0.000.0	0.00
FCF Margin	7.2%+62.2pp	-55.0%-47.7pp	-7.3%-7.8pp	0.4%-7.7pp	8.1%-54.6pp	62.7%+66.2pp	-3.5%-24.8pp	21.3%

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Frequently Asked Questions

What is Bankguam Holding's annual revenue?

Bankguam Holding (BKGM) reported $82.5M in total revenue for fiscal year 2021. This represents a -2.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bankguam Holding's revenue growing?

Bankguam Holding (BKGM) revenue declined by 2.7% year-over-year, from $84.8M to $82.5M in fiscal year 2021.

Is Bankguam Holding profitable?

Yes, Bankguam Holding (BKGM) reported a net income of $20.5M in fiscal year 2021, with a net profit margin of 24.9%.

How much debt does Bankguam Holding have?

As of fiscal year 2021, Bankguam Holding (BKGM) had $557.4M in cash and equivalents against $0 in long-term debt.

What is Bankguam Holding's net profit margin?

Bankguam Holding (BKGM) had a net profit margin of 24.9% in fiscal year 2021, representing the share of revenue converted into profit after all expenses.

Does Bankguam Holding pay dividends?

Yes, Bankguam Holding (BKGM) paid $0.40 per share in dividends during fiscal year 2021.

What is Bankguam Holding's return on equity (ROE)?

Bankguam Holding (BKGM) has a return on equity of 11.3% for fiscal year 2021, measuring how efficiently the company generates profit from shareholder equity.

What is Bankguam Holding's free cash flow?

Bankguam Holding (BKGM) generated $13.7M in free cash flow during fiscal year 2021. This represents a -44.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Bankguam Holding's operating cash flow?

Bankguam Holding (BKGM) generated $18.5M in operating cash flow during fiscal year 2021, representing cash generated from core business activities.

What are Bankguam Holding's total assets?

Bankguam Holding (BKGM) had $2.8B in total assets as of fiscal year 2021, including both current and long-term assets.

What are Bankguam Holding's capital expenditures?

Bankguam Holding (BKGM) invested $4.8M in capital expenditures during fiscal year 2021, funding long-term assets and infrastructure.

How many shares does Bankguam Holding have outstanding?

Bankguam Holding (BKGM) had 10M shares outstanding as of fiscal year 2021.

What is Bankguam Holding's debt-to-equity ratio?

Bankguam Holding (BKGM) had a debt-to-equity ratio of 0.00 as of fiscal year 2021, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Bankguam Holding's return on assets (ROA)?

Bankguam Holding (BKGM) had a return on assets of 0.7% for fiscal year 2021, measuring how efficiently the company uses its assets to generate profit.

What is Bankguam Holding's Piotroski F-Score?

Bankguam Holding (BKGM) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bankguam Holding's earnings high quality?

Bankguam Holding (BKGM) has an earnings quality ratio of 0.90x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Bankguam Holding?

Bankguam Holding (BKGM) scores 58 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.