BM Technologies Inc provides digital banking and disbursement services to consumers and students nationwide through a full-service fintech banking platform, accessible to customers anywhere and anytime through digital channels. It facilitates deposits and banking services between a customer and its Partner Bank, Customers Bank, which is a related party and is a Federal Deposit Insurance Corporation (FDIC) insured bank. The company has four primary revenue sources: interchange and card revenue, servicing fees, account fees, and university fees. The majority of revenues are driven by customer activity (deposits, spending, transactions, etc.) and may be paid or passed through by customer banks, universities, or paid directly by customers.

Financial Strength

9/10

Name	Current	Vs Industry
Cash-To-Debt	No Debt
Equity-to-Asset	0.49
Interest Coverage	No Debt
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.19	Distress Grey Safe
Beneish M-Score	-5.19	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-23.9
	3-Year EPS without NRI Growth Rate	4.7
	3-Year Book Growth Rate	9.1

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	57.57
	9-Day RSI	71.07
	14-Day RSI	72.92
	6-1 Month Momentum %	57.48
	12-1 Month Momentum %	59.06

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.83
	Quick Ratio	0.83
	Cash Ratio	0.51
	Days Sales Outstanding	45.14
	Days Payable	168.22

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	0.6

Profitability Rank

2/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	60.2
	Operating Margin %	-18.33
	Net Margin %	-22.62
	FCF Margin %	4.66
	ROE %	-45.36
	ROA %	-26.24
	ROIC %	-29.22
	ROC (Joel Greenblatt) %	-2171.32
	ROCE %	-36.25
	Years of Profitability over Past 10-Year	2

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	Forward PE Ratio	45.4
	Price-to-Owner-Earnings	19.16
	PS Ratio	0.97
	PB Ratio	2.68
	Price-to-Free-Cash-Flow	20.3
	Price-to-Operating-Cash-Flow	6.23
	EV-to-EBIT	-4.4
	EV-to-EBITDA	-14.2
	EV-to-Revenue	0.81
	EV-to-FCF	17.29
	Earnings Yield (Greenblatt) %	-22.73
	FCF Yield %	4.66

Financials (Next Earnings Date:2025-02-14 Est.)

Annual Quarterly TTM

BMTX's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with AMEX:BMTX

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

BM Technologies Inc Executives

Details

GF Value: $3.04

BMTX

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 2 Severe warning signs with BMTX. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	57.658
	EPS (TTM) ($)	-1.11
	Beta	0.46
	Volatility %	140.33
	14-Day RSI	72.92
	14-Day ATR ($)	0.08889
	20-Day SMA ($)	4.7545
	12-1 Month Momentum %	59.06
	52-Week Range ($)	1.45 - 4.87
	Shares Outstanding (Mil)	12.1

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	5
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

BM Technologies Inc Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

BM Technologies Inc Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

BM Technologies Inc Frequently Asked Questions

What is BM Technologies Inc(BMTX)'s stock price today?

The current price of BMTX is $4.77. The 52 week high of BMTX is $4.87 and 52 week low is $1.45.

When is next earnings date of BM Technologies Inc(BMTX)?

The next earnings date of BM Technologies Inc(BMTX) is 2025-02-14 Est..

Does BM Technologies Inc(BMTX) pay dividends? If so, how much?

BM Technologies Inc(BMTX) does not pay dividend.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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