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Medallion BK Utah (MBNKO) Financials

MBNKO
Trailing 12 months to June 30, 2026
Revenue $325.9M +6.6% YoY
Net Income $32.4M -22.7% YoY
EPS (Diluted) $1.33 -24.4% YoY
Operating Cash Flow $174.9M +196.6% YoY
Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MBNKO SEC filings page.

Medallion BK Utah (MBNKO) reported $325.9M in revenue over the twelve months to Jun 30, 2026, up 6.6% from the prior twelve months. This page shows its 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

Revenue growth is being absorbed by rising funding costs, while balance-sheet expansion continues with declining reported leverage.

From FY2023 to FY2025, revenue increased from $251M to $315M, but interest expense rose from $63M to $98M; that cost growth helps explain why net profit margin fell from 21.9% to 13.7% despite top-line growth. The FY2025 recovery in earnings therefore reflects partial improvement, not a return to the earlier margin structure.

The balance sheet expanded from $2.6B of assets in FY2023 to $3.0B in FY2025, while equity grew from $343M to $409M and long-term debt declined from $236M to $216M. That combination lowered debt-to-equity from 0.7x to 0.5x, indicating that reported growth was increasingly supported by equity rather than additional long-term borrowing.

Operating cash flow rose to $126M in FY2025 even as net income was $43M, compared with $114M and $55M respectively in FY2023. Meanwhile, investing outflows narrowed from -$341M to -$124M and financing inflows fell from $271M to $30M, showing a shift toward funding balance-sheet activity with internally generated cash; for a bank, these cash-flow lines can also reflect changes in lending activity rather than ordinary operating conversion alone.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Earnings Growth Capital Efficiency CreditQuality Stability 65 / 100
Financial Health Score 65/100
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
86

Medallion BK Utah earned a return on assets of 1.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.3% the prior year. Earnings ranks banks on that return over three years, and Medallion BK Utah scores 86/100 among other banks.

Growth
62

Medallion BK Utah reported revenue of $315.3M in fiscal year 2025, against $290.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Medallion BK Utah scores 62/100 among other banks.

Capital
74

Medallion BK Utah funded 13.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $408.6M of equity against $3.0B of assets. Capital ranks banks on that cushion, and Medallion BK Utah scores 74/100 among other banks.

Efficiency
96

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Medallion BK Utah scores 96/100 on it among other banks.

Credit Quality
0

Not available for Medallion BK Utah, and counted as zero in the overall score.

Stability
71

Medallion BK Utah reported net income of $43.0M in fiscal year 2025, against $35.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Medallion BK Utah scores 71/100 among other banks.

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
$84.4M
YoY+9.0%
QoQ+6.7%
5Y CAGR+17.7%
10Y CAGR+30.6%

Medallion BK Utah generated $84.4M in revenue in Q2 2026. This represents an increase of 9.0% from the same quarter a year earlier. Against the prior quarter it is up 6.7%.

Net Income
$7.4M
YoY-32.7%
QoQ+50.3%
5Y CAGR-6.2%
10Y CAGR+5.0%

Medallion BK Utah reported $7.4M in net income in Q2 2026. This represents a decrease of 32.7% from the same quarter a year earlier. Against the prior quarter it is up 50.3%.

EPS (Diluted)
$0.31
YoY-32.6%
QoQ+55.0%
5Y CAGR-5.4%
10Y CAGR+5.0%

Medallion BK Utah earned $0.31 per diluted share (EPS) in Q2 2026. This represents a decrease of 32.6% from the same quarter a year earlier. Against the prior quarter it is up 55.0%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt
$172.6M
YoY+56.4%
QoQ+83.8%
5Y CAGR+40.6%

Medallion BK Utah held $172.6M in cash against $287.5M in long-term debt as of Q2 2026.

Shares Outstanding
23M
YoY-1.2%
QoQ-3.7%
5Y CAGR-1.7%

Medallion BK Utah had 23M shares outstanding in Q2 2026. This represents a decrease of 1.2% from the same quarter a year earlier. Against the prior quarter it is down 3.7%.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin
8.8%
YoY-5.5pp
QoQ+2.6pp
5Y CAGR-18.6pp
10Y CAGR-69.4pp

Medallion BK Utah's net profit margin was 8.8% in Q2 2026, showing the share of revenue converted to profit. This is down 5.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.6 percentage points.

Return on Equity
1.8%
YoY-1.0pp
QoQ+0.6pp
5Y CAGR-2.3pp

Medallion BK Utah's ROE was 1.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 1.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks
$7.7M
YoY+1588.8%

Medallion BK Utah spent $7.7M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1588.8% from the same quarter a year earlier.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

MBNKO 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.

MBNKO quarterly income statement
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Revenue$84.4M+9.0%$79.1M+4.8%$81.7M+6.7%$80.8M+5.7%$77.4M+9.5%$75.4M+12.5%$76.5M+13.2%$76.4M+16.0%
SG&A Expenses$11.2M+10.8%$11.0M+10.1%$11.4M+13.8%$10.1M+7.3%$10.1M+7.6%$10.0M+5.7%$10.0M+2.4%$9.5M-1.8%
Interest Expense$27.1M+12.7%$25.0M+4.1%$25.3M+3.1%$25.1M+6.0%$24.1M+15.5%$24.0M+25.4%$24.5M+32.0%$23.7M+38.4%
Income Tax$4.7M-18.7%$4.3M-35.5%$6.2M-9.6%$5.9M+44.6%$5.8M+53.5%$6.7M+5.6%$6.8M+7.7%$4.1M-39.7%
Net Income$7.4M-32.7%$5.0M-58.8%$12.2M+20.3%$7.8M-9.8%$11.1M+55.9%$12.0M+19.9%$10.1M-29.2%$8.6M-23.3%
EPS (Basic)$0.32-34.7%$0.21-60.4%$0.53+17.8%$0.34-10.5%$0.49+58.1%$0.53+20.5%$0.45-29.7%$0.38-24.0%
EPS (Diluted)$0.31-32.6%$0.20-60.0%$0.50+16.3%$0.32-13.5%$0.46+53.3%$0.50+19.0%$0.43-28.3%$0.37-22.9%
Diluted Shares (Avg)24M-0.2%25M+2.7%N/A24M+4.2%24M+2.6%24M+0.6%N/A23M+0.2%

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

MBNKO Balance Sheet

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.

MBNKO quarterly balance sheet
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Total Assets$3.2B+10.9%$3.0B+3.6%$3.0B+3.0%$2.9B+0.7%$2.9B+4.3%$2.8B+8.7%$2.9B+10.8%$2.9B+12.6%
Cash & Equivalents$172.6M+56.4%$93.9M-28.6%$136.3M+38.7%$72.5M-39.9%$110.4M+25.8%$131.5M+140.1%$98.2M+86.8%$120.6M+221.8%
Short-Term Investments$0$0$0$0$0$0$0$0
Long-Term Investments$0$0$0$0$0$0$0$0
Goodwill$150.8M0.0%$150.8M0.0%$150.8M0.0%$150.8M0.0%$150.8M0.0%$150.8M0.0%$150.8M0.0%$150.8M0.0%
Total Liabilities$2.7B+14.5%$2.4B+1.8%$2.4B+0.7%$2.4B-1.9%$2.3B+0.4%$2.4B+9.0%$2.4B+11.7%$2.4B+13.3%
Long-Term Debt$287.5M+43.8%$214.2M+7.3%$216.0M-7.0%$215.7M-7.0%$199.9M-13.4%$199.7M-11.5%$232.2M-1.4%$232.0M+6.4%
Total Equity$406.0M+4.1%$408.1M+7.3%$408.6M+10.4%$397.4M+9.7%$389.9M+10.1%$380.2M+8.9%$370.2M+7.9%$362.4M+10.3%
Retained Earnings$168.6M+13.9%$164.5M+17.7%$162.4M+24.7%$153.0M+24.7%$148.0M+27.2%$139.7M+25.2%$130.3M+25.4%$122.6M+33.5%

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

MBNKO Cash Flow 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.

MBNKO quarterly cash flow statement
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Operating Cash Flow$17.5M+176.1%$41.3M+24.6%$33.8M+39.7%$82.3M+234.6%-$23.0M-183.1%$33.1M+2.8%$24.2M+23.1%$24.6M-31.4%
Depreciation & Amortization$700K+16.7%$2.0M-3.0%$2.1M+11.1%$600K+500.0%$600K+500.0%$2.1M+52.4%$1.9M+35.7%$100K-66.7%
Stock-Based Compensation$1.9M+11.8%$2.1M+22.9%N/A$1.7M+13.3%$1.7M+6.3%$1.7M+12.8%N/A$1.5M
Investing Cash Flow-$187.2M-1301.3%-$86.0M-5337.8%-$21.3M-4.1%-$88.2M+15.1%-$13.4M+92.2%-$1.6M+95.2%-$20.5M-64.1%-$103.9M-65.3%
Financing Cash Flow$237.1M+681.9%-$18.2M+57.8%$38.2M+273.2%$4.9M-95.6%$30.3M-77.2%-$43.1M-316.5%-$22.0M-246.4%$109.3M+262.9%
Dividends Paid$3.2M+19.6%$3.1M+8.4%$2.7M+10.8%$2.7M+21.8%$2.7M+20.2%$2.9M+15.2%$2.4M+8.9%$2.2M+23.6%
Share Buybacks$7.7M+1588.8%$0-100.0%$0$0-100.0%$455K-70.0%$531K-75.0%$0$965K

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.

MBNKO 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.

MBNKO quarterly financial ratios
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Net Margin8.8%-5.5pp6.3%-9.7pp14.9%+1.7pp9.6%-1.7pp14.3%+4.3pp15.9%+1.0pp13.3%-7.9pp11.3%-5.8pp
Return on Equity1.8%-1.0pp1.2%-2.0pp3.0%+0.2pp1.9%-0.4pp2.8%+0.8pp3.2%+0.3pp2.7%-1.4pp2.4%-1.0pp
Return on Assets0.2%-0.1pp0.2%-0.2pp0.4%+0.1pp0.3%0.0pp0.4%+0.1pp0.4%0.0pp0.4%-0.2pp0.3%-0.1pp
Debt-to-Equity0.71+0.2x0.520.0x0.53-0.1x0.54-0.1x0.51-0.1x0.53-0.1x0.63-0.1x0.640.0x
Asset Turnover0.030.0x0.030.0x0.030.0x0.030.0x0.030.0x0.030.0x0.030.0x0.030.0x

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

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%.

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.

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

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.

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.

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

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

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

Medallion BK Utah (MBNKO) had 24M shares outstanding as of fiscal year 2025.

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.

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.

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.

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.

Medallion BK Utah (MBNKO) scores 65 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.

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