Great American Bancorp Inc

Great American Bancorp Inc maintains a strong liquidity position, as evidenced by a debt-to-equity ratio of 0.0, indicating no long-term debt obligations. The company's total equity of $22,491,000 supports a stable capital structure, and its total assets of $193,537,000 suggest a solid asset base. The liquidity risk is assessed as low, with no immediate filing-based liquidity flags detected.

The company's profitability is reflected in a return on equity (ROE) of 4.26% and a return on assets (ROA) of 0.49%. These figures are below the typical performance metrics for banks, which often aim for ROE above 10% and ROA above 1%. The net income of $958,000 on revenue of $2,625,000 indicates a net margin of approximately 36.5%, which is relatively high for a bank.

Geographic and segment exposure data is not available in the provided information. However, the company's operations are likely concentrated in the United States, as is typical for regional banks. The absence of detailed segment data limits the ability to assess revenue diversification.

The company's growth trajectory is not explicitly outlined in the provided data. However, the current fiscal year (FY) revenue of $2,625,000 and net income of $958,000 suggest a stable performance. Without specific outlook data, it is difficult to determine the direction of growth for the next fiscal year.

Risk factors for Great American Bancorp Inc are assessed as low in terms of liquidity and dilution. The company has no immediate filing-based liquidity or dilution flags, and the dilution potential is also low. No adjustments have been applied to the valuation metrics, indicating that the financial data is clean and reliable.

Recent events, such as filings and transcripts, are not detailed in the provided data. The company's financial snapshot does not include specific recent events that could impact its operations or financial performance. The absence of such information suggests a stable and predictable business environment.

The company achieved a 24.1% revenue CAGR over four years, demonstrating strong historical top-line growth momentum.

Zero long-term debt and a 0.0 debt-to-equity ratio provide a conservative capital structure with minimal leverage risk.

Equity grew at a 9.7% CAGR over five years, reflecting consistent capital accumulation and retained earnings strength.

Low dilution and liquidity risk flags suggest a stable operational environment with minimal immediate financial distress signals.

Return on equity of 4.3% trails the 6.2% median for the bank cohort, indicating inferior capital efficiency relative to peers.

Total assets contracted at a 3.6% CAGR over five years, suggesting a shrinking balance sheet and limited scale expansion.

Free cash flow dropped 14.2% year-over-year, highlighting a significant reduction in cash generation capability recently.

Return on assets of 0.5% is extremely low, indicating minimal profitability generated from the company's total asset base.

Revenue $2.6M, −0,4% YoY; Net income +5,9% YoY.

• ▍Revenue $2.6M, −0,4% YoY
• ▍Net income +5,9% YoY
• ▍Net margin 36.8%

Revenue $2.6M, −0,2% YoY; Net income −5,8% YoY.

• ▍Revenue $2.6M, −0,2% YoY
• ▍Net income −5,8% YoY
• ▍Net margin 30.2%

Revenue $2.6M, −0,8% YoY; Net income −19,2% YoY.

• ▍Revenue $2.6M, −0,8% YoY
• ▍Net income −19,2% YoY
• ▍Net margin 28.5%

Revenue $2.6M, −0,9% YoY; Net income −9,2% YoY.

• ▍Revenue $2.6M, −0,9% YoY
• ▍Net income −9,2% YoY
• ▍Net margin 33.5%

Revenue $2.6M; Net margin 34.7%.

• ▍Revenue $2.6M
• ▍Net margin 34.7%

Revenue $2.6M; Net margin 32.0%.

• ▍Revenue $2.6M
• ▍Net margin 32.0%

Revenue $2.6M; Net margin 35.0%.

• ▍Revenue $2.6M
• ▍Net margin 35.0%

Revenue $2.6M; Net margin 36.5%.

• ▍Revenue $2.6M
• ▍Net margin 36.5%

Revenue $10.4M, +0,4% YoY; Net income −9,1% YoY.

• ▍Revenue $10.4M, +0,4% YoY
• ▍Net income −9,1% YoY
• ▍Free cash flow −14,2% YoY
• ▍Net margin 31.7%

Revenue $10.3M, +24,9% YoY; Net income +46,6% YoY.

• ▍Revenue $10.3M, +24,9% YoY
• ▍Net income +46,6% YoY
• ▍Free cash flow +67,1% YoY
• ▍Net margin 35.0%

Revenue $5.6M, +28,2% YoY; Net income +175,9% YoY.

• ▍Revenue $5.6M, +28,2% YoY
• ▍Net income +175,9% YoY
• ▍Free cash flow +165,8% YoY
• ▍Net margin 19.6%

Revenue $8.3M, +47,6% YoY; Net income +125,3% YoY.

• ▍Revenue $8.3M, +47,6% YoY
• ▍Net income +125,3% YoY
• ▍Free cash flow +84,7% YoY
• ▍Net margin 29.9%