What is Medallion BK Utah's earnings per share (EPS)?

Medallion BK Utah (MBNKO) reported diluted earnings per share of $1.78 for fiscal year 2025. This represents a 17.1% 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.

Medallion BK Utah Financials

MBNKO

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Medallion BK Utah (MBNKO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 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 MBNKO FY2025 2026-04-22

Rising funding costs, not weak growth, are the clearest force holding down this lender's returns on capital.

Between FY2023 and FY2025, interest expense rose from $62.9M to $98.4M. Over the same span, ROE fell from 16.1% to 10.5%, which implies recent asset growth has been absorbed by a much heavier funding bill instead of translating into proportionally higher profitability.

Earnings quality looks sturdier than the income line alone suggests: FY2025 operating cash flow was $126.3M against net income of $43.0M. Operating cash flow has also stayed above net income for three straight years, so capital is being replenished with cash support rather than only with accrual profit, giving management more room to absorb funding pressure.

The balance-sheet mix has been moving in a more self-funded direction, with debt-to-equity easing from 0.7x to 0.5x over the last two years. From FY2024 to FY2025, equity rose from $370.2M to $408.6M, indicating retained earnings are carrying more of the expansion load instead of added borrowing.

Financial Health Signals

Financial Health Score 67/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Medallion BK Utah'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.

Earnings

Growth

Capital

Efficiency

Stability

Piotroski F-Score Partial

6/7

Medallion BK Utah passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

2.93x

For every $1 of reported earnings, Medallion BK Utah generates $2.93 in operating cash flow ($126.3M OCF vs $43.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$315.3M

YoY+8.5%

5Y CAGR+16.8%

Medallion BK Utah generated $315.3M in revenue in fiscal year 2025. This represents an increase of 8.5% from the prior year.

EBITDA

N/A

Net Income

$43.0M

YoY+20.0%

Medallion BK Utah reported $43.0M in net income in fiscal year 2025. This represents an increase of 20.0% from the prior year.

EPS (Diluted)

$1.78

YoY+17.1%

Medallion BK Utah earned $1.78 per diluted share (EPS) in fiscal year 2025. This represents an increase of 17.1% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$136.3M

YoY+38.7%

5Y CAGR+20.0%

Medallion BK Utah held $136.3M in cash against $216.0M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

23M

YoY+0.8%

5Y CAGR-1.3%

Medallion BK Utah had 23M shares outstanding in fiscal year 2025. This represents an increase of 0.8% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

13.7%

YoY+1.3pp

5Y CAGR+37.6pp

Medallion BK Utah's net profit margin was 13.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.3 percentage points from the prior year.

Return on Equity

10.5%

YoY+0.8pp

5Y CAGR+25.6pp

Medallion BK Utah's ROE was 10.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$986K

YoY-78.6%

Medallion BK Utah spent $986K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 78.6% from the prior year.

Capital Expenditures

N/A

MBNKO Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$315.3M+8.5%	$290.7M+15.8%	$251.0M+27.7%	$196.6M+23.7%	$159.0M+9.7%	$145.0M
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	$41.7M+8.7%	$38.3M+2.1%	$37.6M+20.7%	$31.1M-1.5%	$31.6M+12.1%	$28.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$98.4M+11.6%	$88.2M+40.1%	$62.9M+74.0%	$36.2M+16.2%	$31.1M-8.8%	$34.2M
Income Tax	$24.5M+16.8%	$21.0M-15.7%	$24.9M+38.7%	$18.0M-25.8%	$24.2M+340.4%	-$10.1M
Net Income	$43.0M+20.0%	$35.9M-34.9%	$55.1M+25.6%	$43.8M-19.0%	$54.1M+255.6%	-$34.8M
EPS (Diluted)	$1.78+17.1%	$1.52-35.9%	$2.37+29.5%	$1.83-15.7%	$2.17+252.8%	$-1.42

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$79.1M-3.2%	$81.7M+1.1%	$80.8M+4.3%	$77.4M+2.7%	$75.4M-1.4%	$76.5M+0.1%	$76.4M+8.1%	$70.7M
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	$11.0M-3.3%	$11.4M+12.2%	$10.1M0.0%	$10.1M+1.6%	$10.0M0.0%	$10.0M+5.7%	$9.5M+0.2%	$9.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$25.0M-1.0%	$25.3M+0.7%	$25.1M+4.2%	$24.1M+0.2%	$24.0M-2.0%	$24.5M+3.5%	$23.7M+13.6%	$20.8M
Income Tax	$4.3M-29.8%	$6.2M+5.2%	$5.9M+1.0%	$5.8M-13.5%	$6.7M-1.5%	$6.8M+68.1%	$4.1M+7.2%	$3.8M
Net Income	$5.0M-59.4%	$12.2M+57.1%	$7.8M-29.9%	$11.1M-7.9%	$12.0M+18.5%	$10.1M+17.8%	$8.6M+21.3%	$7.1M
EPS (Diluted)	$0.20	N/A	$0.32-30.4%	$0.46-8.0%	$0.50	N/A	$0.37+23.3%	$0.30

MBNKO Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.0B+3.0%	$2.9B+10.8%	$2.6B+14.5%	$2.3B+20.7%	$1.9B+14.0%	$1.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$136.3M+38.7%	$98.2M+86.8%	$52.6M+58.5%	$33.2M-48.6%	$64.5M+17.8%	$54.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$150.8M0.0%	$150.8M0.0%	$150.8M0.0%	$150.8M0.0%	$150.8M0.0%	$150.8M
Total Liabilities	$2.4B+0.7%	$2.4B+11.7%	$2.2B+15.2%	$1.9B+24.5%	$1.5B+13.4%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$216.0M-7.0%	$232.2M-1.4%	$235.5M+9.9%	$214.3M-2.6%	$220.0M+43.1%	$153.7M
Total Equity	$408.6M+10.4%	$370.2M+7.9%	$343.0M+13.7%	$301.7M+5.1%	$287.0M+24.0%	$231.4M
Retained Earnings	$162.4M+24.7%	$130.3M+25.4%	$103.9M+55.8%	$66.7M+117.8%	$30.6M+230.2%	-$23.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$3.0B-0.2%	$3.0B+1.9%	$2.9B+0.7%	$2.9B+1.1%	$2.8B-0.7%	$2.9B-0.4%	$2.9B+4.3%	$2.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$93.9M-31.1%	$136.3M+88.1%	$72.5M-34.3%	$110.4M-16.1%	$131.5M+33.9%	$98.2M-18.5%	$120.6M+37.5%	$87.7M
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	N/A	N/A	N/A	N/A	N/A
Goodwill	$150.8M0.0%	$150.8M0.0%	$150.8M0.0%	$150.8M0.0%	$150.8M0.0%	$150.8M0.0%	$150.8M0.0%	$150.8M
Total Liabilities	$2.4B-0.2%	$2.4B+1.8%	$2.4B+2.4%	$2.3B-2.1%	$2.4B-1.3%	$2.4B-0.8%	$2.4B+4.7%	$2.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$214.2M-0.8%	$216.0M+0.1%	$215.7M+7.9%	$199.9M+0.1%	$199.7M-14.0%	$232.2M+0.1%	$232.0M+0.5%	$230.8M
Total Equity	$408.1M-0.1%	$408.6M+2.8%	$397.4M+1.9%	$389.9M+2.5%	$380.2M+2.7%	$370.2M+2.1%	$362.4M+2.4%	$354.0M
Retained Earnings	$164.5M+1.3%	$162.4M+6.1%	$153.0M+3.4%	$148.0M+5.9%	$139.7M+7.3%	$130.3M+6.2%	$122.6M+5.4%	$116.3M

MBNKO Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$126.3M+16.2%	$108.7M-4.5%	$113.8M+4.6%	$108.7M+38.1%	$78.7M0.0%	$78.7M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$124.5M+62.2%	-$328.9M+3.5%	-$340.7M+24.1%	-$449.0M-88.4%	-$238.3M-39.4%	-$171.0M
Financing Cash Flow	$30.2M-87.4%	$240.0M-11.5%	$271.2M-15.6%	$321.4M+86.8%	$172.0M+26.1%	$136.5M
Dividends Paid	$11.0M+16.8%	$9.4M+22.0%	$7.7M+2.1%	$7.5M	$0	$0
Share Buybacks	$986K-78.6%	$4.6M	$0-100.0%	$20.6M	$0	$0

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$41.3M+22.4%	$33.8M-49.6%	$67.0M+980.1%	-$7.6M-123.0%	$33.1M+37.1%	$24.2M-1.8%	$24.6M-11.0%	$27.6M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$86.0M-303.1%	-$21.3M+70.7%	-$72.9M-153.7%	-$28.7M-1715.0%	-$1.6M+92.3%	-$20.5M+80.3%	-$103.9M+39.4%	-$171.6M
Financing Cash Flow	-$18.2M-147.7%	$38.2M+685.2%	$4.9M-84.0%	$30.3M+170.3%	-$43.1M-95.8%	-$22.0M-120.2%	$109.3M-17.7%	$132.8M
Dividends Paid	$3.1M+14.5%	$2.7M+0.1%	$2.7M0.0%	$2.7M-5.5%	$2.9M+17.0%	$2.4M+10.0%	$2.2M-1.3%	$2.2M
Share Buybacks	$0	$0	$0-100.0%	$455K-14.3%	$531K	$0-100.0%	$965K-36.3%	$1.5M

MBNKO Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	13.7%+1.3pp	12.3%-9.6pp	21.9%-0.4pp	22.3%-11.7pp	34.0%+58.0pp	-24.0%
Return on Equity	10.5%+0.8pp	9.7%-6.4pp	16.1%+1.5pp	14.5%-4.3pp	18.9%+33.9pp	-15.0%
Return on Assets	1.5%+0.2pp	1.3%-0.9pp	2.1%+0.2pp	1.9%-0.9pp	2.9%+5.0pp	-2.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.53-0.1	0.63-0.1	0.69-0.0	0.71-0.1	0.77+0.1	0.66
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	6.3%-8.7pp	14.9%+5.3pp	9.6%-4.7pp	14.3%-1.6pp	15.9%+2.7pp	13.3%+2.0pp	11.3%+1.2pp	10.0%
Return on Equity	1.2%-1.8pp	3.0%+1.0pp	1.9%-0.9pp	2.8%-0.3pp	3.2%+0.4pp	2.7%+0.4pp	2.4%+0.4pp	2.0%
Return on Assets	0.2%-0.2pp	0.4%+0.1pp	0.3%-0.1pp	0.4%-0.0pp	0.4%+0.1pp	0.4%+0.1pp	0.3%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.520.0	0.53-0.0	0.54+0.0	0.51-0.0	0.53-0.1	0.63-0.0	0.64-0.0	0.65
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Frequently Asked Questions

What is Medallion BK Utah's annual revenue?

Medallion BK Utah (MBNKO) reported $315.3M in total revenue for fiscal year 2025. This represents a 8.5% 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 Medallion BK Utah's revenue growing?

Medallion BK Utah (MBNKO) revenue grew by 8.5% year-over-year, from $290.7M to $315.3M in fiscal year 2025.

Is Medallion BK Utah profitable?

Yes, Medallion BK Utah (MBNKO) reported a net income of $43.0M in fiscal year 2025, with a net profit margin of 13.7%.

How much debt does Medallion BK Utah have?

As of fiscal year 2025, Medallion BK Utah (MBNKO) had $136.3M in cash and equivalents against $216.0M in long-term debt.

What is Medallion BK Utah's net profit margin?

Medallion BK Utah (MBNKO) had a net profit margin of 13.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Medallion BK Utah's return on equity (ROE)?

Medallion BK Utah (MBNKO) has a return on equity of 10.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Medallion BK Utah's operating cash flow?

Medallion BK Utah (MBNKO) generated $126.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Medallion BK Utah's total assets?

Medallion BK Utah (MBNKO) had $3.0B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Medallion BK Utah buy back shares?

Yes, Medallion BK Utah (MBNKO) spent $986K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Medallion BK Utah have outstanding?

Medallion BK Utah (MBNKO) had 23M shares outstanding as of fiscal year 2025.

What is Medallion BK Utah's debt-to-equity ratio?

Medallion BK Utah (MBNKO) had a debt-to-equity ratio of 0.53 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Medallion BK Utah's return on assets (ROA)?

Medallion BK Utah (MBNKO) had a return on assets of 1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Medallion BK Utah's Piotroski F-Score?

Medallion BK Utah (MBNKO) has a Piotroski F-Score of 6 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 Medallion BK Utah's earnings high quality?

Medallion BK Utah (MBNKO) has an earnings quality ratio of 2.93x, considered cash-backed (high 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 Medallion BK Utah?

Medallion BK Utah (MBNKO) scores 67 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.