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INDICATIVE · SAMPLE DATA
PGNN.PK57

Paragon Financial Solutions Inc

BanksVerified

Paragon Financial Solutions has a fully diluted share count of 4,580,348 shares, with no difference between basic and diluted shares outstanding, indicating no dilution risk from stock options or convertible securities. However, liquidity risk could not be assessed due to missing balance-sheet inputs and no going-concern language in source documents. The company's profitability and returns are not yet quantified against industry_config preferred metrics or cohort medians, as valuation snapshot data is not available. This limits the ability to compare Paragon's performance to industry benchmarks. Paragon Bank's geographic exposure is concentrated in four U.S. counties: Shelby County, Tennessee; Lafayette County, Mississippi; Fulton County, Georgia; and New Hanover County, North Carolina. The company does not disclose segment-level revenue, so it is unclear if any geographic region disproportionately contributes to earnings. Growth trajectory data is not available in the current dataset, as outlook numeric deltas and revenue history are missing. This limits the ability to assess Paragon's forward-looking performance or historical trends. Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. No dilution risk is currently flagged, as the diluted share count is equal to the basic share count. Recent events include the 2023 10-K filing, which disclosed the company's operations and financial services. No recent earnings call transcripts or regulatory filings beyond the 10-K are available in the dataset.

30-day price · PGNN.PK+0.18 (+1.4%)
Low$12.50High$12.80Close$12.68As of9 May, 00:00 UTC
Profile
CompanyParagon Financial Solutions Inc
TickerPGNN.PK
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Paragon Financial Solutions, Inc. operates as a holding company for Paragon Bank, which provides financial services including checking, savings, and term certificate accounts, as well as commercial, residential mortgage, and installment loans through offices in Tennessee, Mississippi, Georgia, and North Carolina.

Classification. Paragon Financial Solutions is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with a confidence level of 0.92.

Paragon Financial Solutions has a fully diluted share count of 4,580,348 shares, with no difference between basic and diluted shares outstanding, indicating no dilution risk from stock options or convertible securities. However, liquidity risk could not be assessed due to missing balance-sheet inputs and no going-concern language in source documents. The company's profitability and returns are not yet quantified against industry_config preferred metrics or cohort medians, as valuation snapshot data is not available. This limits the ability to compare Paragon's performance to industry benchmarks. Paragon Bank's geographic exposure is concentrated in four U.S. counties: Shelby County, Tennessee; Lafayette County, Mississippi; Fulton County, Georgia; and New Hanover County, North Carolina. The company does not disclose segment-level revenue, so it is unclear if any geographic region disproportionately contributes to earnings. Growth trajectory data is not available in the current dataset, as outlook numeric deltas and revenue history are missing. This limits the ability to assess Paragon's forward-looking performance or historical trends. Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. No dilution risk is currently flagged, as the diluted share count is equal to the basic share count. Recent events include the 2023 10-K filing, which disclosed the company's operations and financial services. No recent earnings call transcripts or regulatory filings beyond the 10-K are available in the dataset.
Key takeaways
  • Paragon Financial Solutions operates as a regional bank with offices in four U.S. counties.
  • The company has no dilution risk as of the latest filing, with basic and diluted shares outstanding being equal.
  • Liquidity risk could not be assessed due to missing balance-sheet data and no going-concern language.
  • The company's profitability and returns are not yet benchmarked against industry metrics.
  • Geographic concentration in four U.S. counties may expose the company to regional economic risks.
  • # RATIONALES
  • {
  • "margin_outlook_rationale": "Margin outlook is not available due to missing valuation snapshot data.",
Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY0
FY-1
FY-2
FY-3
FY-4
PeriodGross %Op %Net %FCF %
FY0
FY-1
FY-2
FY-3
FY-4
PeriodAssetsEquityCashDebt
FY0
FY-1
FY-2
FY-3
FY-4
PeriodOCFCapExFCFSBC
FY0
FY-1
FY-2
FY-3
FY-4
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodGross %Op %Net %FCF %
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodAssetsEquityCashDebt
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodOCFCapExFCFSBC
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banks · cohort 7 companies
MetricPGNN.PKActivity
Op margin560.2% medp25 560.2% · p75 560.2%
Net margin459.2% medp25 422.9% · p75 495.5%
Gross margin62.8% medp25 28.5% · p75 92.6%
CapEx / revenue2.6% medp25 1.0% · p75 12.1%
Debt / equity16.8% medp25 13.7% · p75 33.1%
Observations
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-10 03:40 UTC#785122cd
Source: analysis-pipeline (hybrid)Generated: 2026-05-10 03:41 UTCJob: 3d4dedf3