BMTX - BM Technologies, Inc. Stock Price, Fair Value and News

2.92USD+0.12 (+4.29%)Delayed

Market Summary

USD2.92+0.12

Delayed

4.29%

BMTX Stock Price

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BMTX RSI Chart

BMTX Valuation

Market Cap

35.2M

Price/Earnings (Trailing)

-3.03

Price/Sales (Trailing)

0.61

EV/EBITDA

-1.81

Price/Free Cashflow

3.52

BMTX Price/Sales (Trailing)

BMTX Profitability

EBT Margin

-20.01%

Return on Equity

-37.63%

Return on Assets

-22.8%

Free Cashflow Yield

28.4%

BMTX Fundamentals

BMTX Revenue

Revenue (TTM)

57.9M

Rev. Growth (Yr)

20%

Rev. Growth (Qtr)

15.25%

BMTX Earnings

Earnings (TTM)

-11.6M

Earnings Growth (Yr)

115.08%

Earnings Growth (Qtr)

118.87%

Breaking Down BMTX Revenue

Last 7 days

71.8%

Last 30 days

94.7%

Last 90 days

46%

Trailing 12 Months

1.0%

How does BMTX drawdown profile look like?

BMTX Financial Health

Current Ratio

1.24

BMTX Investor Care

Shares Dilution (1Y)

1.61%

Diluted EPS (TTM)

-1.01

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	57.9M	0	0	0
2023	72.0M	62.0M	56.9M	55.3M
2022	95.6M	96.2M	93.2M	83.6M
2021	74.9M	81.9M	86.4M	94.7M
2020	110.5M	95.8M	81.1M	66.4M
2019	154.6M	139.9M	125.2M	0
2018	0	0	0	169.3M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of BM Technologies, Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 31, 2024	sidhu luvleen	acquired	-	-	25,000	chief executive officer
Mar 31, 2024	dullinger james francis	acquired	-	-	7,500	chief financial officer
Mar 31, 2024	dullinger james francis	sold (taxes)	-3,445	1.65	-2,088	chief financial officer
Mar 31, 2024	donahue james m.	acquired	-	-	18,750	president & cto
Mar 31, 2024	sidhu luvleen	sold (taxes)	-18,348	1.65	-11,120	chief executive officer
Mar 31, 2024	donahue james m.	sold (taxes)	-11,830	1.65	-7,170	president & cto
Mar 09, 2024	dullinger james francis	acquired	-	-	1,600	chief financial officer
Mar 09, 2024	dullinger james francis	sold (taxes)	-814	1.83	-445	chief financial officer
Jan 04, 2024	donahue james m.	acquired	-	-	12,004	president & cto
Jan 04, 2024	donahue james m.	sold (taxes)	-9,467	2.11	-4,487	president & cto

Which funds bought or sold BMTX recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	PRICE T ROWE ASSOCIATES INC /MD/	unchanged	-	-8,000	33,000	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-3.01	-149	531	-%
May 15, 2024	BARCLAYS PLC	unchanged	-	-	1,000	-%
May 15, 2024	Walleye Capital LLC	reduced	-0.05	-54,751	27,841	-%
May 15, 2024	Tower Research Capital LLC (TRC)	unchanged	-	-64.00	262	-%
May 15, 2024	Nantahala Capital Management, LLC	reduced	-50.00	-186,284	125,456	0.01%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	reduced	-16.67	-64,947	132,279	-%
May 15, 2024	Royal Bank of Canada	reduced	-0.32	-7,000	30,000	-%
May 15, 2024	GOLDMAN SACHS GROUP INC	unchanged	-	-2,842	1,544	-%
May 15, 2024	D. E. Shaw & Co., Inc.	unchanged	-	-2,153	1,096	-%

Are Funds Buying or Selling BMTX?

Are funds buying BMTX calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own BMTX

No. of Funds

Unveiling BM Technologies, Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	veradace capital management llc	5.55%	659,102	SC 13G/A
Feb 13, 2024	vanguard group inc	3.09%	366,352	SC 13G/A
Feb 12, 2024	pacific ridge capital partners, llc	5.44%	645,768	SC 13G/A
Sep 22, 2023	veradace capital management llc	5.3%	634,102	SC 13G
Feb 24, 2023	walleye capital llc	4.9%	630,582	SC 13G/A
Feb 15, 2023	walleye capital llc	13.21%	1,858,517	SC 13G
Feb 13, 2023	pacific ridge capital partners, llc	5.41%	662,141	SC 13G/A
Feb 09, 2023	vanguard group inc	5.74%	702,671	SC 13G
Feb 14, 2022	pacific ridge capital partners, llc	5.01%	611,498	SC 13G
Feb 11, 2022	portolan capital management, llc	2.12%	264,025	SC 13G/A

Recent SEC filings of BM Technologies, Inc.

View All Filings

Date Filed	Form Type	Document
May 15, 2024	10-Q	Quarterly Report
May 14, 2024	4	Insider Trading
May 14, 2024	4	Insider Trading
May 14, 2024	4	Insider Trading
May 02, 2024	ARS	ARS
Apr 29, 2024	DEF 14A	DEF 14A
Apr 29, 2024	DEFA14A	DEFA14A
Apr 16, 2024	3	Insider Trading
Apr 05, 2024	10-K	Annual Report
Apr 03, 2024	8-K	Current Report

Peers (Alternatives to BM Technologies, Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
CRM	277.0B	34.9B	3.35%	33.87%	66.98	7.95	11.18%	1888.46%
UBER	137.2B	38.6B	-8.72%	67.31%	98.72	3.56	14.01%	141.26%
ADSK	47.3B	5.3B	2.96%	8.03%	51.62	8.85	9.15%	48.14%
ANSS	28.6B	2.2B	0.65%	6.79%	65.84	12.85	3.59%	-21.47%
ZM	19.3B	4.5B	8.62%	-7.71%	30.27	4.26	3.06%	514.65%
MID-CAP
APPF	8.7B	671.8M	11.01%	66.39%	113.53	12.92	33.64%	185.98%
LYFT	6.7B	4.7B	-3.99%	99.28%	-36.23	1.43	10.90%	88.31%
ALRM	3.5B	895.2M	7.46%	35.00%	38.7	3.87	5.72%	46.94%
AYX	3.4B	970.0M	0.90%	-15.87%	-19.13	3.53	13.46%	43.89%
AI	3.2B	296.4M	28.11%	-1.60%	-11.7	10.73	11.14%	-3.59%
AGYS	2.7B	228.1M	21.43%	43.87%	31.34	11.99	18.99%	599.09%
SMALL-CAP
AVID	1.2B	413.5M	0.63%	-1.64%	92.02	2.88	-1.65%	-71.35%
AEYE	256.1M	31.6M	76.57%	260.07%	-43.61	8.1	2.76%	43.72%
APPS	253.0M	572.4M	33.33%	-82.31%	-1.28	0.44	-19.38%	-489.49%
ASUR	193.1M	117.7M	5.95%	-44.01%	-19.58	1.64	12.54%	11.24%

BM Technologies, Inc. News

Latest updates

BM Technologies, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	15.2%	16,181	14,040	14,741	12,987	13,484	15,684	19,858	23,008	25,047	25,260	22,841	22,404	24,202	16,910	18,338	15,431	15,758	7,908	58.00	-	-
Costs and Expenses	-14.8%	15,526	18,219	19,126	18,028	19,859	23,254	24,138	23,377	22,084	24,356	20,592	22,714	21,379	20,470	17,728	19,144	19,891	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,209,141	1,005	285	163	147	205	277	402
S&GA Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	292,170	49.00	14.00	19.00	24.00	17.00	123	40.00
EBITDA Margin	36.6%	-0.20*	-0.31*	-0.34*	-0.34*	-0.16*	-0.01*	0.06*	0.20*	0.11*	0.24*	0.23*	0.14*	0.15*	-0.16*	-	-	-	-	-	-	-
Interest Expenses	-	-	-	-	-	-	-	-	-	-	-	-	42.00	54.00	249	353	399	394	887	1,115	1,061	-
Income Taxes	-	15.00	-	-	10.00	6.00	-2,234	-729	909	1,643	1,490	1,167	1,382	1,713	2.00	7.00	7.00	7.00	178	219	212	-
Earnings Before Taxes	119.3%	763	-3,963	-3,952	-4,446	-4,954	-6,419	-5,649	5,271	5,607	140	8,291	-3,408	17,772	-3,809	257	-4,112	-4,527	740	910	784	589
EBT Margin	36.1%	-0.20*	-0.31*	-0.35*	-0.35*	-0.16*	-0.01*	0.06*	0.20*	0.11*	0.24*	0.22*	0.13*	0.13*	-0.18*	-	-	-	-	-	-	-
Net Income	118.9%	748	-3,963	-3,952	-4,456	-4,960	-4,185	-4,920	4,362	3,964	-1,350	7,124	-4,790	16,059	-3,811	250	-4,119	-4,534	562	691	571	423
Net Income Margin	36.1%	-0.20*	-0.31*	-0.31*	-0.30*	-0.13*	-0.01*	0.02*	0.15*	0.05*	0.18*	0.17*	0.09*	0.11*	-0.18*	-	-	-	-	-	-	-
Free Cashflow	-67.0%	2,309	6,989	-1,539	2,236	-6,451	-3,963	-5,223	3,095	9,072	5,374	1,176	11,336	9,519	4,347	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-6.7%	51.00	55.00	51.00	59.00	65.00	71.00	76.00	80.00	82.00	76.00	75.00	78.00	82.00	67.00	33.00	34.00	177	176	175	175	174
Current Assets	-13.1%	25.00	29.00	23.00	29.00	34.00	38.00	42.00	43.00	43.00	37.00	32.00	33.00	34.00	15.00	0.00	1.00	0.00	1.00	1.00	0.00	1.00
Cash Equivalents	2.4%	15.00	14.00	9.00	12.00	11.00	21.00	26.00	32.00	31.00	26.00	20.00	20.00	17.00	3.00	17.00	17.00	7.00	9.00	1.00	0.00	1.00
Net PPE	-9.0%	0.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	-	-	-	-	-	-
Goodwill	-0.8%	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	-	-	-	-	-	-	-
Liabilities	-15.1%	20.00	24.00	17.00	21.00	23.00	22.00	26.00	27.00	36.00	38.00	39.00	52.00	53.00	42.00	8.00	7.00	8.00	15.00	7.00	7.00	8.00
Current Liabilities	-12.5%	20.00	23.00	16.00	20.00	22.00	19.00	22.00	24.00	28.00	25.00	26.00	32.00	36.00	40.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Shareholder's Equity	-0.3%	31.00	31.00	34.00	38.00	42.00	49.00	51.00	53.00	45.00	38.00	36.00	26.00	29.00	24.00	26.00	27.00	31.00	35.00	5.00	5.00	5.00
Retained Earnings	1.8%	-40.07	-40.82	-36.85	-32.90	-28.44	-23.48	-19.30	-14.38	-18.74	-22.71	-21.36	-28.48	-23.69	-39.75	2.00	3.00	4.00	5.00	2.00	2.00	1.00
Additional Paid-In Capital	-1.2%	71.00	72.00	71.00	71.00	70.00	72.00	70.00	67.00	64.00	61.00	57.00	55.00	52.00	64.00	3.00	2.00	1.00	2.00	3.00	3.00	4.00
Shares Outstanding	0.7%	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	-	-	-	-	-	-	-
Float	-	-	-	-	25.00	-	-	-	51.00	-	-	-	152	-	-	-	35.00	-	-	-	170	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-66.9%	2,339	7,057	-1,466	2,305	-6,369	-3,970	-4,973	3,233	9,190	5,461	1,176	11,387	9,519	4,370	1,971	11,214	-1,517	-1,463,217	-202	-624	-339
Share Based Compensation	-280.8%	-660	365	176	723	635	2,641	2,743	3,053	2,919	3,324	2,496	2,384	3,139	98.00	93.00	106	171	-	-	-	-
Cashflow From Investing	-18.6%	-1,821	-1,535	-1,252	-1,707	-1,379	-1,156	-1,078	-1,303	-2,138	-181	-358	-77.00	-117	-868	-1,079	-958	-1,115	753,445	459	-	-
Cashflow From Financing	-388.9%	-176	-36.00	-4.00	-5.00	-2,429	-199	-	-	-2,202	17.00	-	-9,100	4,988	-17,289	-1,314	295	693	-	-	-	-

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BMTX Income Statement

2024-03-31

CONSOLIDATED STATEMENTS OF INCOME (LOSS) - UNAUDITED - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Operating revenues:
Total operating revenues	$ 16,181	$ 13,371
Operating expenses:
Technology, communication, and processing	4,711	7,105
Salaries and employee benefits	4,447	6,425
Professional services	3,208	2,640
Provision for operating losses	2,081	1,677
Occupancy	16	14
Customer related supplies	241	228
Advertising and promotion	100	118
Restructuring, merger, and acquisition related expenses	79	719
Other expense	643	820
Total operating expenses	15,526	19,746
Income (loss) from operations	655	(6,375)
Non-operating income and expense:
Gain on fair value of private warrant liability	108	1,421
Income (loss) before income tax expense	763	(4,954)
Income tax expense	15	6
Net income (loss)	$ 748	$ (4,960)
Weighted average number of shares outstanding - basic (in shares)	11,728	11,602
Weighted average number of shares outstanding - diluted (in shares)	11,746	11,602
Basic earnings (loss) per common share (in dollars per share)	$ 0.06	$ (0.43)
Diluted earnings (loss) per common share (in dollars per share)	$ 0.06	$ (0.43)
Interchange and card revenue
Operating revenues:
Total operating revenues	$ 3,415	$ 2,966
Servicing fees
Operating revenues:
Total operating revenues	8,966	6,632
Account fees
Operating revenues:
Total operating revenues	2,095	2,140
University fees
Operating revenues:
Total operating revenues	1,612	1,506
Other revenue
Operating revenues:
Total operating revenues	$ 93	$ 127

BMTX Balance Sheet

2024-03-31

CONSOLIDATED BALANCE SHEETS - UNAUDITED - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and cash equivalents	$ 14,630	$ 14,288
Accounts receivable, net allowance for doubtful accounts of $1,732 and $1,100	6,875	9,128
Prepaid expenses and other assets	3,331	5,148
Total current assets	24,836	28,564
Premises and equipment, net	487	535
Developed software, net	16,366	16,173
Goodwill	5,259	5,259
Other intangibles, net	4,029	4,109
Total assets	50,977	54,640
Liabilities:
Accounts payable and accrued liabilities	8,880	10,577
Deferred revenue, current	11,159	12,322
Total current liabilities	20,039	22,899
Non-current liabilities:
Deferred revenue, non-current	0	127
Liability for private warrants	54	162
Other non-current liabilities	0	480
Total liabilities	20,093	23,668
Commitments and contingencies (Note 7)
Shareholders’ equity:
Preferred stock: Par value $0.0001 per share; 10,000,000 shares authorized, zero shares issued or outstanding at both March 31, 2024 and December 31, 2023	0	0
Common stock: Par value $0.0001 per share; 1 billion shares authorized; 12,063,773 shares issued and outstanding at March 31, 2024; 11,984,133 shares issued and outstanding at December 31, 2023	1	1
Additional paid-in capital	70,951	71,787
Accumulated deficit	(40,068)	(40,816)
Total shareholders’ equity	30,884	30,972
Total liabilities and shareholders’ equity	$ 50,977	$ 54,640

About BM Technologies, Inc.

BM Technologies, Inc. operates as a financial technology (fintech) company in the United States. 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 insured bank. The company, through its fintech banking platform, offers digital banking and disbursement services to consumers and students through digital channels. The company was formerly known as BankMobile Technologies, Inc. and changed its name to BM Technologies, Inc. in January 2021. BM Technologies, Inc. is headquartered in Wayne, Pennsylvania.

CEO	Ms. Luvleen Sidhu
WEBSITE	https://ir.bmtxinc.com
INDUSTRY	Software - Apps
EMPLOYEES	275

BM Technologies, Inc. Frequently Asked Questions

What is the ticker symbol for BM Technologies, Inc.? What does BMTX stand for in stocks?

BMTX is the stock ticker symbol of BM Technologies, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of BM Technologies, Inc. (BMTX)?

As of Fri May 17 2024, market cap of BM Technologies, Inc. is 35.19 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of BMTX stock?

You can check BMTX's fair value in chart for subscribers.

What is the fair value of BMTX stock?

You can check BMTX's fair value in chart for subscribers. The fair value of BM Technologies, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of BM Technologies, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for BMTX so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is BM Technologies, Inc. a good stock to buy?

The fair value guage provides a quick view whether BMTX is over valued or under valued. Whether BM Technologies, Inc. is cheap or expensive depends on the assumptions which impact BM Technologies, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for BMTX.

What is BM Technologies, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, BMTX's PE ratio (Price to Earnings) is -3.03 and Price to Sales (PS) ratio is 0.61. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. BMTX PE ratio will change depending on the future growth rate expectations of investors.