Bankguam Holding Financials
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).
A rapidly expanding balance sheet lifted reported profit, but earning power per asset dollar stayed modest.
Assets and on-hand cash expanded sharply from FY2019 to FY2021 while revenue moved the other way, so the company became much more liquid without proportionally more earning output. That is why FY2021's24.9% net margin still translated into only0.7% return on assets.
The gap between
Capital needs are light: capex never exceeded
Financial Health Signals
Based on FY2021 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Bankguam Holding's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Bankguam Holding's revenue declined 2.7% year-over-year, from $84.8M to $82.5M. This contraction results in a growth score of 24/100.
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.
Bankguam Holding converts 16.6% of revenue into free cash flow ($13.7M). This strong cash generation earns a score of 77/100.
Bankguam Holding's ROE of 11.3% shows moderate profitability relative to equity, earning a score of 33/100. This is up from 7.1% the prior year.
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.
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
Earnings & Revenue
Bankguam Holding generated $82.5M in revenue in fiscal year 2021. This represents a decrease of 2.7% from the prior year.
Bankguam Holding reported $20.5M in net income in fiscal year 2021. This represents an increase of 64.1% from the prior year.
Cash & Balance Sheet
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.
Bankguam Holding held $557.4M in cash against $0 in long-term debt as of fiscal year 2021.
Bankguam Holding paid $0.40 per share in dividends in fiscal year 2021. This represents an increase of 0.0% from the prior year.
Bankguam Holding had 10M shares outstanding in fiscal year 2021. This represents an increase of 0.2% from the prior year.
Margins & Returns
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.
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
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 | 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 | $9.9M+3.0% | $9.6M+4.2% | $9.2M-24.3% | $12.2M+20.9% | $10.1M+26.0% | $8.0M-8.0% | $8.7M-7.3% | $9.4M |
| 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 | 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 | 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 | 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.
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 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.
How financially healthy is Bankguam Holding?
Bankguam Holding (BKGM) scores 39 out of 100 on our Financial Profile, indicating weak 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.