CoverageForm 410-K10-Q8-K13D13G13F

BKGM · Bankguam Holding Co - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · BKGM

Income Statement

Line itemFY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$4.64M$3.94M$3.90M$3.64M$3.40M$3.40M
Operating Income$26.09M$15.96M$21.75M$15.75M$18.18M$19.27M
Interest Expense$1.91M$2.27M$2.49M$2.12M$2.19M$2.14M
Income Tax$5.09M$3.46M$5.60M$2.91M$9.64M$5.72M
Net Income$20.50M$12.49M$16.15M$12.84M$8.54M$13.55M
EPS - Basic--$810.00$640.00$430.00$730.00
EPS - Diluted--$810.00$640.00$430.00$730.00

Balance Sheet

Line itemFY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Cash & Equivalents$557.40M$287.63M$131.72M$155.09M--
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$2.79B$2.35B$1.95B$1.89B$1.97B$1.92B
Current Liabilities------
Long-term Debt$0$0$0$0$0$0
Total Liabilities$2.61B$2.18B$1.79B$1.74B$1.83B$1.79B
Stockholders' Equity$180.75M$177.06M$164.24M$148.29M$138.15M$132.20M
Retained Earnings$153.74M$137.65M$129.58M$117.34M$108.90M$104.63M

Cash Flow

Line itemFY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Operating Cash Flow$18.53M$29.00M$21.52M$38.83M$14.82M$14.77M
Investing Cash Flow($178.02M)($258.16M)($56.84M)$79.06M($301.26M)($301.12M)
Financing Cash Flow$429.26M$384.82M$11.94M($88.92M)$362.30M$362.20M
CapEx$4.80M$4.12M$5.23M$4.28M$3.43M$3.35M
Free Cash Flow$13.73M$24.88M$16.29M$34.55M$11.38M$11.42M

Ratios

MetricFY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income0.671.991.012.691.330.84
R&D / Revenue------
SG&A / Revenue------
Effective tax rate19.9%21.7%25.7%18.5%53.0%29.7%
Return on assets0.7%0.5%0.8%0.7%0.4%0.7%
Return on equity11.3%7.1%9.8%8.7%6.2%10.3%
Return on invested capital11.6%7.1%9.8%8.7%6.6%10.3%
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity0.000.000.000.000.000.00
Debt / Assets0.000.000.000.000.000.00
Debt / EBITDA0.000.000.000.000.000.00
Interest coverage13.7x7.0x8.7x7.4x8.3x9.0x
Equity multiplier15.4413.2911.8912.7614.2314.53
Liabilities / Assets0.940.920.920.920.930.93
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E------
P / B------
P / S------
EV / EBITDA------
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)63.5%-26.6%38.1%-13.4%-5.7%38.1%
Net income growth (YoY)64.1%-22.7%25.8%50.3%-37.0%20.0%
EPS growth (YoY)--26.6%48.8%-41.1%58300.0%
EPS CAGR (3y)--3.5%700.0%635.7%767.0%
EPS CAGR (5y)--275.8%256.0%237.6%311.3%
FCF growth (YoY)-44.8%52.8%-52.9%203.5%-0.3%-10.8%
FCF CAGR (5y)3.8%14.2%-1.8%17.6%-9.7%-24.1%
Book value growth (YoY)2.1%7.8%10.8%7.3%4.5%17.9%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2021-12-31.

Product / service

$9.31M total
Asset Based Fees$4.60M · 49.4%
Service Charges On Deposit Accounts$3.80M · 40.8%
Online Fees$908.0K · 9.8%

Stability scores

Piotroski F-score

FY 2021 · 9-point quality

3/9
Weak
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • Long-term debt decreased
  • -Current ratio improved
  • -No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: Commercial Banks, NEC

CompanyRevenue (last FY)Net marginROE
PGC$283.00M13.2%5.7%
ESQ--17.5%
CIB---
MUFG---
HDB$25.64B30.8%8.8%

Comparing BankGuam Holding Co against the 5 most active filers in the same SIC group.

Dividends

$120.00/share trailing 12 months · -40.0% YoY

Ex-datePer share
Mar 13, 2026$70.0000
Jun 13, 2025$50.0000
Mar 14, 2025$50.0000
Dec 13, 2024$50.0000
Sep 13, 2024$50.0000
Jun 14, 2024$50.0000
Mar 14, 2024$50.0000
Dec 14, 2023$50.0000
Sep 14, 2023$50.0000
Jun 14, 2023$50.0000
Mar 14, 2023$50.0000
Dec 14, 2022$50.0000
Sep 14, 2022$50.0000
Jun 14, 2022$50.0000
Mar 14, 2022$50.0000
Dec 14, 2021$50.0000
Sep 14, 2021$50.0000
Jun 14, 2021$50.0000
Mar 12, 2021$50.0000
Dec 14, 2020$50.0000
Sep 14, 2020$50.0000
Jun 12, 2020$50.0000
Mar 12, 2020$50.0000