Bankguam Holding (BKGM) Financials

BKGM

Trailing 12 months to September 30, 2022

Revenue $118.1M +10.8% YoY

Net Income $18.4M -0.2% YoY

Free Cash Flow -$11.8M -164.6% YoY

Operating Cash Flow -$7.3M -132.8% YoY

Market Cap $181.8M as of Aug 27, 2026

Price / Sales 1.5x on $118.1M revenue, trailing 12 months to September 30, 2022

Price / Earnings 9.9x on $18.4M net income, trailing 12 months to September 30, 2022

Price / Book 1.4x on $128.4M equity, Q3 FY2022

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Aug 27, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2022, ended Sep 30, 2022 Reported Nov 10, 2022 Currency USD FYE December

Newest figures come from the 10-Q for Q3 FY2022, filed Nov 10, 2022. Each column of the statement tables below links to the filing it was taken from.

Bankguam Holding (BKGM) reported $118.1M in revenue over the twelve months to Sep 30, 2022, up 10.8% from the prior twelve months. This page shows its 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).

Rhea AI BKGM FY2021 2026-09-05

BankGuam’s dominant mechanic is liability-funded balance-sheet expansion, with earnings recovery not fully translating into operating cash.

From FY2019 to FY2021, assets rose 43.0% while revenue was nearly unchanged, showing balance-sheet growth rather than business-volume growth. Liabilities expanded 46.0% while equity grew 10.1%, a funding mix consistent with greater reliance on obligations to support that asset expansion.

FY2021 net income reached $20.5M and net margin 18.9%, reversing the prior year’s profitability setback. Yet operating cash flow was $18.5M, below earnings, and free cash flow fell to $13.7M; the rebound was therefore stronger in accrual profit than in cash.

FY2021 financing inflows were $429M versus $178M of investing outflows, indicating that asset growth depended heavily on funding flows beyond internally generated cash. Capital expenditure was only $4.8M, so the investing outflow was not primarily a conventional property-and-equipment reinvestment story; financing activity is central to understanding operations.

Financial Health Signals

Financial health score not available

Bankguam Holding does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

3/7

Bankguam Holding passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 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

$32.2M

YoY+4.9%

QoQ+7.7%

5Y CAGR+6.2%

10Y CAGR+6.6%

Bankguam Holding generated $32.2M in revenue in Q3 2022. This represents an increase of 4.9% from the same quarter a year earlier. Against the prior quarter it is up 7.7%.

Net Income

$5.2M

YoY-1.7%

QoQ+31.9%

5Y CAGR+10.1%

10Y CAGR+10.1%

Bankguam Holding reported $5.2M in net income in Q3 2022. This represents a decrease of 1.7% from the same quarter a year earlier. Against the prior quarter it is up 31.9%.

EPS (Diluted)

$0.51

YoY-3.8%

QoQ+30.8%

Bankguam Holding earned $0.51 per diluted share (EPS) in Q3 2022. This represents a decrease of 3.8% from the same quarter a year earlier. Against the prior quarter it is up 30.8%.

EBITDA

Not reported for Q3 2022.

Cash & Balance Sheet

Free Cash Flow

$1.7M

YoY+1.4%

QoQ+114.3%

5Y CAGR-20.5%

10Y CAGR-11.1%

Bankguam Holding generated $1.7M in free cash flow in Q3 2022, representing cash available after capex. This represents an increase of 1.4% from the same quarter a year earlier. Against the prior quarter it is up 114.3%.

Cash & Debt

$265.0M

YoY-67.5%

QoQ-18.6%

Bankguam Holding held $265.0M in cash against $0 in long-term debt as of Q3 2022.

Dividends Per Share

$0.10

YoY0.0%

QoQ0.0%

5Y CAGR0.0%

10Y CAGR-2.2%

Bankguam Holding paid $0.10 per share in dividends in Q3 2022. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

10M

YoY0.0%

QoQ0.0%

Bankguam Holding had 10M shares outstanding in Q3 2022. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

16.0%

YoY-1.1pp

QoQ+2.9pp

5Y CAGR+2.7pp

10Y CAGR+4.4pp

Bankguam Holding's net profit margin was 16.0% in Q3 2022, showing the share of revenue converted to profit. This is down 1.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.9 percentage points.

Return on Equity

4.0%

YoY+1.1pp

QoQ+1.3pp

5Y CAGR+1.7pp

10Y CAGR+1.9pp

Bankguam Holding's ROE was 4.0% in Q3 2022, measuring profit generated per dollar of shareholder equity. This is up 1.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.3 percentage points.

Gross Margin

Not reported for Q3 2022.

Operating Margin

Not reported for Q3 2022.

Capital Allocation

Capital Expenditures

$848K

YoY-10.0%

QoQ-16.1%

5Y CAGR+4.6%

10Y CAGR+2.1%

Bankguam Holding invested $848K in capex in Q3 2022, funding long-term assets and infrastructure. This represents a decrease of 10.0% from the same quarter a year earlier. Against the prior quarter it is down 16.1%.

R&D Spending

Not reported for Q3 2022.

Share Buybacks

Not reported for Q3 2022.

BKGM Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BKGM quarterly income statement

Metric	TTM	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Revenue	$118.1M	$108.5M+9.7%	$98.9M-8.5%	$108.1M+4.3%	$103.6M+7.9%	$96.1M+10.0%	$87.3M+10.6%	$78.9M+7.3%	$73.5M+4.3%	$70.5M+1.7%	$69.3M+18.9%	$58.3M+4.7%	$55.6M+5.5%	$52.8M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$750K+4.6%	$717K-3.6%	$744K
SG&A Expenses	$40.9M	$39.0M+9.0%	$35.8M-1.6%	$36.3M-0.9%	$36.7M+7.3%	$34.2M+8.1%	$31.6M+11.0%	$28.5M+335.4%	$6.5M+3.0%	$6.3M-1.1%	$6.4M+22.2%	$5.3M+12.0%	$4.7M-3.6%	$4.9M
Interest Expense	$2.1M	$1.9M-15.8%	$2.3M-9.0%	$2.5M+17.6%	$2.1M-3.4%	$2.2M+2.4%	$2.1M+13.1%	$1.9M-49.6%	$3.8M-21.7%	$4.8M-13.5%	$5.5M-1.2%	$5.6M-6.9%	$6.0M-33.2%	$9.0M
Income Tax	$4.7M	$5.1M+47.1%	$3.5M-38.2%	$5.6M+92.3%	$2.9M-69.8%	$9.6M+68.6%	$5.7M+40.6%	$4.1M+8.3%	$3.8M-7.9%	$4.1M+19.2%	$3.4M+351.7%	$758K-67.7%	$2.3M+21.6%	$1.9M
Net Income	$18.4M	$20.5M+64.1%	$12.5M-22.7%	$16.2M+25.8%	$12.8M+50.3%	$8.5M-37.0%	$13.6M+20.0%	$11.3M+18.1%	$9.6M-3.1%	$9.9M+14.5%	$8.6M+50.3%	$5.7M-19.1%	$7.1M+28.9%	$5.5M
EPS (Basic)	N/A	N/A	N/A	$1.62+26.6%	$1.28+48.8%	$0.86-41.1%	$1.46+16.8%	$1.25+15.7%	$1.08-3.6%	$1.12+14.3%	$0.98+48.5%	$0.66-18.5%	$0.81+28.6%	$0.63
EPS (Diluted)	—	N/A	N/A	$1.62+26.6%	$1.28+48.8%	$0.86-41.1%	$1.46+16.8%	$1.25+15.7%	$1.08-3.6%	$1.12+14.3%	$0.98+81.5%	$0.54-31.6%	$0.79+27.4%	$0.62
Diluted Shares (Avg)	N/A	N/A	N/A	10M+0.4%	10M+3.5%	9M+0.4%	9M+2.6%	9M+2.3%	9M+0.3%	9M+0.1%	9M-17.0%	11M+18.1%	9M+100315.0%	8,915

Metric	Q3'2210-Q	Q2'2210-Q	Q1'2210-Q	Q4'2110-Q	Q3'2110-Q	Q2'2110-Q	Q1'2110-Q	Q4'2010-K
Revenue	$32.2M+4.9%	$29.9M+18.0%	$27.9M+14.4%	$28.2M+7.4%	$30.6M+27.8%	$25.3M+9.0%	$24.4M-4.2%	$26.2M-3.0%
SG&A Expenses	$9.9M-1.8%	$9.6M+20.1%	$9.2M+6.1%	$12.2M+30.0%	$10.1M+13.1%	$8.0M+0.8%	$8.7M-8.7%	$9.4M+3.2%
Interest Expense	$516K-14.0%	$518K+44.7%	$508K+43.9%	$599K+70.7%	$600K+12.1%	$358K-44.9%	$353K-51.8%	$351K-51.8%
Income Tax	$1.4M+5.9%	$998K-35.0%	$815K+11.8%	$1.5M+62.6%	$1.3M+88.9%	$1.5M+42.1%	$729K-3.4%	$934K-60.4%
Net Income	$5.2M-1.7%	$3.9M-33.9%	$3.3M-0.8%	$6.1M+52.2%	$5.2M+108.6%	$5.9M+114.4%	$3.3M+1.5%	$4.0M+3.5%
EPS (Basic)	$0.51-3.8%	$0.39-33.9%	N/A	N/A	$0.53+112.0%	$0.59+118.5%	N/A	N/A
EPS (Diluted)	$0.51-3.8%	$0.39-33.9%	N/A	N/A	$0.53+112.0%	$0.59+118.5%	N/A	N/A
Diluted Shares (Avg)	10M+0.1%	10M+0.1%	N/A	N/A	10M+0.4%	10M+0.3%	N/A	N/A

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

BKGM Balance Sheet

BKGM quarterly balance sheet

Metric	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Total Assets	$2.8B+18.7%	$2.4B+20.4%	$2.0B+3.2%	$1.9B-3.8%	$2.0B+2.3%	$1.9B+24.4%	$1.5B+5.4%	$1.5B+14.2%	$1.3B+5.9%	$1.2B+6.3%	$1.1B+15.1%	$990.6M	N/A
Cash & Equivalents	$557.4M+93.8%	$287.6M+118.4%	$131.7M-15.1%	$155.1M+23.0%	$126.1M	N/A	N/A	N/A	$96.6M+30.2%	$74.2M-43.3%	$131.0M+29.1%	$101.5M+119.0%	$46.3M
Short-Term Investments	$0	$0	$0	$0	$0	N/A	N/A	N/A	$0	$0	$0	$0	$0
Accounts Receivable	$5.1M+63.1%	$3.1M-80.6%	$16.0M+229.9%	$4.9M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	N/A	N/A	N/A	$0	$0	$0	$0	$0
Goodwill	$13.0M+1562.1%	$783K0.0%	$783K0.0%	$783K0.0%	$783K0.0%	$783K0.0%	$783K0.0%	$783K0.0%	$783K0.0%	$783K0.0%	$783K0.0%	$783K	N/A
Total Liabilities	$2.6B+20.0%	$2.2B+21.6%	$1.8B+2.6%	$1.7B-4.6%	$1.8B+2.1%	$1.8B+24.9%	$1.4B+5.0%	$1.4B+14.7%	$1.2B+6.5%	$1.1B+6.3%	$1.1B+16.0%	$906.2M	N/A
Long-Term Debt	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A
Total Equity	$180.7M+2.1%	$177.1M+7.8%	$164.2M+10.8%	$148.3M+7.3%	$138.1M+4.5%	$132.2M+17.9%	$112.1M+9.7%	$102.2M+8.9%	$93.9M-0.6%	$94.4M+6.1%	$89.0M+5.6%	$84.4M+4.3%	$80.9M
Retained Earnings	$153.7M+11.7%	$137.6M+6.2%	$129.6M+10.4%	$117.3M+7.7%	$108.9M+4.1%	$104.6M+10.3%	$94.8M+8.8%	$87.2M+6.8%	$81.6M+7.2%	$76.1M+5.9%	$71.9M+1.9%	$70.5M	N/A

Metric	Q3'2210-Q	Q2'2210-Q	Q1'2210-Q	Q4'2110-Q	Q3'2110-Q	Q2'2110-Q	Q1'2110-Q	Q4'2010-K
Total Assets	$2.6B-15.0%	$2.7B-8.7%	$2.7B+13.2%	$2.8B+18.7%	$3.0B+27.1%	$2.9B+27.4%	$2.4B+20.8%	$2.4B+20.4%
Cash & Equivalents	$265.0M-67.5%	$325.4M-59.0%	$448.4M+39.4%	$557.4M+93.8%	$815.5M+173.0%	$793.4M+110.8%	$321.8M+107.1%	$287.6M+118.4%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	N/A	N/A	N/A	$5.1M+63.1%	N/A	N/A	N/A	$3.1M-80.6%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$13.0M0.0%	$13.0M	$13.0M	$13.0M+1562.1%	$13.0M	N/A	N/A	$783K0.0%
Total Liabilities	$2.4B-14.2%	$2.5B-8.4%	$2.6B+14.2%	$2.6B+20.0%	$2.8B+29.1%	$2.8B+29.9%	$2.2B+23.5%	$2.2B+21.6%
Long-Term Debt	$0	$0	$0	$0	$0	$0	$0	$0
Total Equity	$128.4M-28.2%	$144.3M-14.4%	$157.7M-0.6%	$180.7M+2.1%	$178.8M+2.0%	$168.5M-3.1%	$158.6M-7.3%	$177.1M+7.8%
Retained Earnings	$162.7M+9.4%	$158.7M+9.7%	$155.9M+11.5%	$153.7M+11.7%	$148.8M+10.4%	$144.6M+8.4%	$139.8M+6.2%	$137.6M+6.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Non-Current Liabilities.

BKGM Cash Flow Statement

BKGM quarterly cash flow statement

Metric	TTM	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Operating Cash Flow	-$7.3M	$18.5M-36.1%	$29.0M+35.1%	$21.5M-44.9%	$39.0M+210.0%	$12.6M-15.2%	$14.8M-5.4%	$15.7M-10.3%	$17.5M-8.1%	$19.0M-12.2%	$21.6M+96.9%	$11.0M-22.0%	$14.1M-20.0%	$17.6M
Depreciation & Amortization	N/A	$4.6M+17.6%	$3.9M+1.0%	$3.9M+7.3%	$3.6M+7.0%	$3.4M-5.5%	$3.6M+1.0%	$3.6M+3.3%	$3.5M+11.3%	$3.1M+2.1%	$3.0M+6.0%	$2.9M-5.8%	$3.0M-6.5%	$3.3M
Capital Expenditures	$4.4M	$4.8M+16.6%	$4.1M-21.3%	$5.2M+22.3%	$4.3M+24.6%	$3.4M+2.6%	$3.3M+17.4%	$2.9M-24.8%	$3.8M+4.2%	$3.6M+35.7%	$2.7M+2.4%	$2.6M+135.4%	$1.1M-15.5%	$1.3M
Free Cash Flow	-$11.8M	$13.7M-44.8%	$24.9M+53.3%	$16.2M-53.2%	$34.7M+279.7%	$9.1M-20.4%	$11.5M-10.4%	$12.8M-6.3%	$13.7M-11.0%	$15.4M-19.0%	$19.0M+126.5%	$8.4M-35.5%	$13.0M-20.4%	$16.3M
Investing Cash Flow	-$126.8M	-$178.0M+31.0%	-$258.2M-354.6%	-$56.8M-171.9%	$78.9M+180.7%	-$97.9M+67.5%	-$301.3M-244.8%	-$87.4M	N/A	-$63.1M+54.3%	-$138.2M-13.5%	-$121.8M-5154.9%	-$2.3M+98.3%	-$137.5M
Financing Cash Flow	-$416.3M	$429.3M+11.5%	$384.8M+3122.1%	$11.9M+113.4%	-$88.9M-355.7%	$34.8M-90.4%	$362.3M+443.9%	$66.6M	N/A	$66.5M+11.2%	$59.8M-57.4%	$140.3M+223.5%	$43.4M-44.5%	$78.2M
Dividends Paid	$5.3M	$5.1M+14.3%	$4.4M+0.3%	$4.4M+0.2%	$4.4M+3.0%	$4.3M+13.9%	$3.8M+3.6%	$3.6M-8.9%	$4.0M-9.4%	$4.4M0.0%	$4.4M-0.4%	$4.4M+1.3%	$4.3M+0.5%	$4.3M

Metric	Q3'2210-Q	Q2'2210-Q	Q1'2210-Q	Q4'2110-Q	Q3'2110-Q	Q2'2110-Q	Q1'2110-Q	Q4'2010-K
Operating Cash Flow	$2.6M-2.7%	-$11.0M-178.8%	-$349K-179.1%	$1.5M-72.4%	$2.6M-62.9%	$14.0M+479.4%	$441K-97.8%	$5.3M+447.3%
Depreciation & Amortization	$1.2M+5.5%	$1.5M+37.1%	$1.4M+37.9%	$1.4M+51.7%	$1.1M+16.1%	$1.1M+10.0%	$983K-5.1%	$956K-6.4%
Capital Expenditures	$848K-10.0%	$1.0M-23.8%	$1.2M+3.2%	$1.4M+82.3%	$942K+11.0%	$1.3M-24.2%	$1.2M+51.5%	$757K+28.1%
Free Cash Flow	$1.7M+1.4%	-$12.0M-195.0%	-$1.5M-116.2%	$87K-98.1%	$1.7M-72.9%	$12.7M+332.9%	-$712K-103.7%	$4.5M+314.7%
Investing Cash Flow	$35.0M+159.9%	-$63.8M-25.4%	-$68.8M-74.2%	-$29.2M-901.5%	-$58.5M+63.2%	-$50.9M+33.2%	-$39.5M-48.2%	$3.6M+106.5%
Financing Cash Flow	-$98.0M-225.8%	-$48.2M-109.5%	-$39.8M-154.4%	-$230.3M-1047.1%	$77.9M+5.0%	$508.5M+69.0%	$73.2M+145.9%	-$20.1M-3611.8%
Dividends Paid	$1.4M-9.2%	$1.3M+19.9%	$1.3M+19.0%	$1.3M+21.5%	$1.5M+35.0%	$1.1M+0.3%	$1.1M+0.2%	$1.1M+0.2%

Not reported in any period shown, so not listed: Stock-Based Compensation, Share Buybacks.

BKGM Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BKGM quarterly financial ratios

Metric	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Net Margin	18.9%+6.3pp	12.6%-2.3pp	14.9%+2.6pp	12.4%+3.5pp	8.9%-6.6pp	15.5%+1.2pp	14.3%+1.3pp	13.0%-1.0pp	14.0%+1.6pp	12.4%+2.6pp	9.8%-2.9pp	12.8%+2.3pp	10.4%
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%+0.2pp	10.1%+0.7pp	9.4%-1.1pp	10.5%+1.4pp	9.1%+2.7pp	6.4%-2.0pp	8.4%+1.6pp	6.8%
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%0.0pp	0.7%+0.1pp	0.7%-0.1pp	0.8%+0.1pp	0.7%+0.2pp	0.5%-0.2pp	0.7%	N/A
Debt-to-Equity	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.00-12.7x	12.67+0.8x	11.830.0x	11.80+1.1x	10.74	N/A
Asset Turnover	0.040.0x	0.040.0x	0.060.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.060.0x	0.050.0x	0.06	N/A
FCF Margin	12.7%-12.5pp	25.2%+10.1pp	15.0%-18.4pp	33.5%+23.9pp	9.5%-3.6pp	13.1%-3.1pp	16.2%-2.4pp	18.6%-3.2pp	21.8%-5.6pp	27.4%+13.0pp	14.4%-9.0pp	23.3%-7.6pp	30.9%

Metric	Q3'2210-Q	Q2'2210-Q	Q1'2210-Q	Q4'2110-Q	Q3'2110-Q	Q2'2110-Q	Q1'2110-Q	Q4'2010-K
Net Margin	16.0%-1.1pp	13.1%-10.3pp	11.7%-1.8pp	21.5%+6.3pp	17.1%+6.6pp	23.4%+11.5pp	13.5%+0.8pp	15.2%+1.0pp
Return on Equity	4.0%+1.1pp	2.7%-0.8pp	2.1%0.0pp	3.4%+1.1pp	2.9%+1.5pp	3.5%+1.9pp	2.1%+0.2pp	2.3%-0.1pp
Return on Assets	0.2%0.0pp	0.1%-0.1pp	0.1%0.0pp	0.2%+0.1pp	0.2%+0.1pp	0.2%+0.1pp	0.1%0.0pp	0.2%0.0pp
Debt-to-Equity	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.00-12.5x	0.00-12.2x	0.00-10.6x	0.000.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	5.4%-0.2pp	-40.3%-90.3pp	-5.5%-2.6pp	0.3%-17.0pp	5.5%-20.6pp	50.0%+73.4pp	-2.9%-79.6pp	17.3%+25.2pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Bankguam Holding BKGM	FY2021	$108.5M	$20.5M	18.9%	$181.8M	—
QNB QNBC	FY2025	$58.2M	$14.1M	24.2%	$281.3M	33/100

Where Bankguam Holding Ranks

Frequently Asked Questions

What is Bankguam Holding's annual revenue?

Bankguam Holding (BKGM) reported $108.5M in total revenue for fiscal year 2021. This represents a 9.7% 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 grew by 9.7% year-over-year, from $98.9M to $108.5M 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 18.9%.

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 18.9% 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 P/E ratio?

Bankguam Holding (BKGM) trades at 9.9x earnings, its market capitalization divided by net income of $18.4M net income, trailing 12 months to September 30, 2022. The market capitalization is $181.8M as of Aug 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Bankguam Holding's price-to-sales ratio?

Bankguam Holding (BKGM) trades at 1.5x sales, its market capitalization divided by revenue of $118.1M revenue, trailing 12 months to September 30, 2022. The market capitalization is $181.8M as of Aug 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Bankguam Holding's Piotroski F-Score?

Bankguam Holding (BKGM) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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.