What is BANKGUAM HOLDING CO's earnings per share (EPS)?

BANKGUAM HOLDING CO (BKGM) reported diluted earnings per share of $2.06 for fiscal year 2021. This represents a 67.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

BANKGUAM HOLDING CO (BKGM) Financials

BKGM

Trailing 12 months to September 30, 2022

Revenue $118.1M +10.8% YoY

Net Income $18.4M -0.2% YoY

EPS (Diluted) $1.83 -0.5% YoY

Free Cash Flow -$11.8M -164.6% YoY

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 CO (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 2026-10-04

BankGuam's 2021 profit improved, but its much larger liability-funded balance sheet keeps returns modest and cash conversion incomplete.

From FY2020 to FY2021, assets expanded 18.6% while equity increased only 2.1%, leaving liabilities to fund nearly all balance-sheet growth. That funding structure helps explain the low-return model: ROA rose to 0.7% from 0.5% even as net income recovered.

FY2021 ended with $2.6B of liabilities and $180.7M of equity, making the funding base liability-heavy. Liabilities were about 14.4x equity, so modest changes in asset returns can matter disproportionately to shareholders.

FY2021 operating cash flow was $18.5M against $20.5M of net income, so accounting profit was not fully mirrored in operating cash. After $4.8M of capital spending, free cash flow fell to $13.7M, indicating that reinvestment absorbed part of internally generated cash.

Financial Health Signals

Financial health score not available

BANKGUAM HOLDING CO 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 CO 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), the one computable operating efficiency signal (asset turnover improving) does not pass.

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 CO 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 CO 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 CO 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%

QoQn/m

5Y CAGR-20.5%

10Y CAGR-11.1%

BANKGUAM HOLDING CO 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. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

Cash & Debt

$265.0M

YoY-67.5%

QoQ-18.6%

BANKGUAM HOLDING CO held $265.0M in cash against $0 in long-term debt as of Q3 2022.

Dividends Per Share

$0.10

YoY0.0%

QoQ0.0%

BANKGUAM HOLDING CO 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 CO 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 change+2.7pp

10Y change+4.4pp

BANKGUAM HOLDING CO'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

4.3%

YoY+1.2pp

QoQ+1.4pp

5Y change+2.0pp

10Y change+2.2pp

BANKGUAM HOLDING CO's quarterly ROE was 4.3% in Q3 2022: one quarter's net income over shareholder equity, not annualized. This is up 1.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.4 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 CO 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$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	$2.06+67.5%	$1.23-24.1%	$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	$0.63
EPS (Diluted)	$1.83	$2.06+67.5%	$1.23-24.1%	$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	$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	8,915

Metric	Q3'2210-Q	Q2'2210-Q	Q1'2210-Q	Q4'2110-K	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%
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%	$0.32-3.0%	$0.61+56.4%	$0.53+112.0%	$0.59+118.5%	$0.33+3.1%	$0.390.0%
EPS (Diluted)	$0.51-3.8%	$0.39-33.9%	$0.32-3.0%	$0.61+56.4%	$0.53+112.0%	$0.59+118.5%	$0.33+3.1%	$0.390.0%
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, SG&A 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
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
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	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0	N/A	N/A	N/A	N/A	N/A
Total Equity	$173.5M-2.0%	$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-K	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%
Accounts Receivable	N/A	N/A	N/A	$5.1M+63.1%	N/A	N/A	N/A	$3.1M-80.6%
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	$0n/m	$0n/m	$0n/m	$0n/m	$0	$0	$0	$0n/m
Total Equity	$121.2M-29.3%	$137.0M-18.7%	$150.4M-5.2%	$173.5M-2.0%	$171.5M-2.2%	$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, Short-Term Investments, Inventory, Long-Term Investments, 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	-$178.0Mn/m	-$258.2Mn/m	-$56.8M-171.9%	$78.9Mn/m	-$97.9Mn/m	-$301.3Mn/m	-$87.4M	N/A	-$63.1Mn/m	-$138.2Mn/m	-$121.8Mn/m	-$2.3Mn/m	-$137.5M
Financing Cash Flow	-$416.3M	$429.3M+11.5%	$384.8M+3122.1%	$11.9Mn/m	-$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-K	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%	$14.0Mn/m	$441K-97.8%	$5.3Mn/m
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%	-$1.5Mn/m	$87K-98.1%	$1.7M-72.9%	$12.7Mn/m	-$712K-103.7%	$4.5Mn/m
Investing Cash Flow	$35.0Mn/m	-$63.8Mn/m	-$68.8Mn/m	-$29.2M-901.5%	-$58.5Mn/m	-$50.9Mn/m	-$39.5Mn/m	$3.6Mn/m
Financing Cash Flow	-$98.0M-225.8%	-$48.2M-109.5%	-$39.8M-154.4%	-$230.3Mn/m	$77.9M+5.0%	$508.5M+69.0%	$73.2M+145.9%	-$20.1Mn/m
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	11.8%+4.8pp	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	N/A	N/A	N/A	N/A	N/A
Liabilities-to-Equity	15.05+2.8x	12.29+1.4x	10.89-0.9x	11.76-1.5x	13.23-0.3x	13.54+0.8x	12.77-0.6x	13.34+0.7x	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-K	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	4.3%+1.2pp	2.9%-0.7pp	2.2%+0.1pp	3.5%+1.2pp	3.1%+1.6pp	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	0.00	0.00	0.000.0x
Liabilities-to-Equity	20.10+3.5x	18.47+2.1x	17.08+2.9x	15.05+2.8x	16.56+4.0x	16.39+4.2x	14.19+3.5x	12.29+1.4x
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 CO BKGM	FY2021	$108.5M	$20.5M	18.9%	$163.6M	—
QNB Corp. QNBC	FY2025	$58.2M	$14.1M	24.2%	$285.6M	40/100

Where BANKGUAM HOLDING CO Ranks

Frequently Asked Questions

What is BANKGUAM HOLDING CO's annual revenue?

BANKGUAM HOLDING CO (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 CO's revenue growing?

BANKGUAM HOLDING CO (BKGM) revenue grew by 9.7% year-over-year, from $98.9M to $108.5M in fiscal year 2021.

Is BANKGUAM HOLDING CO profitable?

Yes, BANKGUAM HOLDING CO (BKGM) reported a net income of $18.4M over the trailing 12 months to September 30, 2022. In fiscal year 2021 it reported a net income of $20.5M, with a net profit margin of 18.9%.

How much debt does BANKGUAM HOLDING CO have?

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

What is BANKGUAM HOLDING CO's net profit margin?

BANKGUAM HOLDING CO (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 CO pay dividends?

Yes, BANKGUAM HOLDING CO (BKGM) paid $0.40 per share in dividends during fiscal year 2021.

What is BANKGUAM HOLDING CO's return on equity (ROE)?

BANKGUAM HOLDING CO (BKGM) has a return on equity of 11.8% for fiscal year 2021, measuring how efficiently the company generates profit from shareholder equity.

What is BANKGUAM HOLDING CO's free cash flow?

BANKGUAM HOLDING CO (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 CO's operating cash flow?

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

What are BANKGUAM HOLDING CO's total assets?

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

What are BANKGUAM HOLDING CO's capital expenditures?

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

How many shares does BANKGUAM HOLDING CO have outstanding?

BANKGUAM HOLDING CO (BKGM) had 10M shares outstanding as of fiscal year 2021.

What is BANKGUAM HOLDING CO's debt-to-equity ratio?

BANKGUAM HOLDING CO (BKGM) had a debt-to-equity ratio of 0.00 as of fiscal year 2021. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is BANKGUAM HOLDING CO's liabilities-to-equity ratio?

BANKGUAM HOLDING CO (BKGM) had a liabilities-to-equity ratio of 15.05 as of fiscal year 2021, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

What is BANKGUAM HOLDING CO's return on assets (ROA)?

BANKGUAM HOLDING CO (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 CO's Piotroski F-Score?

BANKGUAM HOLDING CO (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.