Financials in USD. Standardized financial statements.
A compact view of how Northumberland Bancorp turns revenue into operating income and net income.
| Metric | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $20.66M | $19.76M | $25.18M | $23.80M | $24.68M | $24.27M | $22.30M | $20.35M | $19.42M | $18.90M |
| Revenue Growth? | +4.5% | -21.5% | +5.8% | -3.5% | +1.7% | +8.8% | +9.6% | +4.8% | +2.7% | 0.0% |
| Cost of Revenue? | $0 | -$40,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Gross Profit? | $20.66M | $19.80M | $25.18M | $23.80M | $24.68M | $24.27M | $22.30M | $20.35M | $19.42M | $18.90M |
| Gross Margin? | +100.0% | +100.2% | +100.0% | +100.0% | +100.0% | +100.0% | +100.0% | +100.0% | +100.0% | +100.0% |
| Operating Expenses? | $15.52M | $14.28M | $4.78M | $4.56M | $4.53M | $4.60M | $4.42M | $4.65M | $4.59M | $4.05M |
| Operating Income? | $1.88M | $5.48M | $3.69M | $5.20M | $5.44M | $4.10M | $3.58M | $3.43M | $3.85M | $2.50M |
| EBITDA? | $4.15M | -$314,000 | -$2.77M | -$2.46M | -$1.04M | -$905,000 | -$1.09M | -$1.09M | $4.12M | $2.81M |
| Income Before Tax | $1.88M | $2.07M | $3.49M | $5.03M | $5.33M | $4.03M | $3.36M | $3.14M | $3.47M | $2.21M |
| Income Tax Expense | $115,000 | $178,000 | $434,000 | $772,000 | $876,000 | $568,000 | $422,000 | $1.16M | $591,000 | -$12,000 |
| Net Income? | $1.76M | $1.89M | $3.05M | $4.25M | $4.42M | $3.44M | $2.93M | $1.97M | $2.87M | $2.21M |
| EPS? | $1.37 | $1.47 | $2.38 | $3.25 | $3.33 | $2.59 | $2.21 | $1.48 | $2.16 | $1.66 |
| Diluted EPS? | $1.37 | $1.47 | $2.38 | $3.25 | $3.33 | $2.59 | $2.21 | $1.48 | $2.16 | $1.66 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality