Paragon Financial Solutions, Inc.

Paragon Financial Solutions, Inc.

PGNN
Paragon Financial Solutions, Inc.US flagOther OTC
13.75
USD
+0.26
- -
62.04MMarket Cap
Paragon Financial Solutions, Inc.
PGNN
(Other OTC)

Recent

price

13.75

P/E

ratio

- -

div

yld

- -

ROIC.AI

2005
2006
2007
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
1.26
2.37
2.83
4.41
4.39
4.15
4.31
4.93
5.44
5.94
6.97
8.1
8.03
Revenue per Share
-1.61
-0.37
-0.17
0.49
0.72
0.71
0.61
0.94
0.9
0.91
1.06
1.73
1.7
Basic EPS, GAAP
-1.04
1.06
-0.3
1.73
-0.25
2.48
-0.24
2.68
1.34
0.67
-11.7
2.06
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
3.23
4.03
3.19
4.58
5.35
6.01
6.49
7.55
8.47
9.23
10.18
11.82
- -
Book Value per Share
8.22
10.66
8.97
8.71
9.25
10.2
10.71
11.42
11.17
12.32
13.32
15.26
15.54
Tangible Book Value per Share
2
3
3
4
4
4
5
4
4
4
4
5
5
Basic Weighted Avg Shares
3
7
9
19
19
19
19
21
24
26
31
37
37
Sales/Revenue/Turnover
-127.37
-15.76
-6.09
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
3
1
1
1
1
1
1
1
1
1
1
- -
Depreciation Expense
-4
-1
-1
2
3
3
3
4
4
4
5
8
8
Net Income, GAAP
- -
- -
- -
48.89
24.03
25.44
25.99
24.92
25.02
16.48
24.09
24.37
24.17
Effective Tax Rate (%)
-127.37
-15.76
-6.09
11.19
16.34
17.08
14.18
19.06
16.53
15.25
15.18
21.4
21.17
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
52
11
8
6
4
3
32
20
36
56
24
LT Debt
18
29
30
38
42
47
49
50
49
54
59
69
71
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
-11.3
-5.28
13.98
14.6
12.63
9.8
13.14
11.28
10.2
11.01
15.87
- -
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
55
56
57

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
24
9
8
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.28%
7.22%
16.49%
Free Cash Flow
-554.22%
-648.88%
-117.89%
Net Income, GAAP
- -
- -
66.34%
Sales/Revenue/Turnover
21.54%
13.53%
18%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7
8
8
8
31
2025
9
9
9
9
37
2026
9
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.15
0.26
0.26
0.37
1.06
2025
0.44
0.42
0.42
0.44
1.73
2026
0.42
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Paragon Financial Solutions, Inc. Paragon Financial Solutions, Inc. (PGNN) is a bank holding company that, through its subsidiary Paragon Bank, provides a comprehensive range of banking products and services to individuals, small and mid-sized businesses in Tennessee, Mississippi, Georgia, and North Carolina; core deposit products include checking accounts, savings accounts, money market savings accounts, certificates of deposit, and individual retirement accounts (IRAs); lending solutions encompass commercial loans such as working capital loans, accounts receivable and inventory lines of credit, equipment financing, commercial auto and truck financing, business acquisition financing, letters of credit, SBA and USDA lending, and owner- and non-owner-occupied commercial real estate loans, alongside mortgage products including purchase loans, refinances, conventional mortgages, federal housing administration loans, veterans affairs loans, affordable home loans, home equity loans, and medical specialist loans; the company further offers private banking services featuring depository and personal financial solutions, special purchases, residential mortgages, home equity lines, construction and renovation loans, and vacation and second home financing; cash management services cover liquidity management, fraud prevention, and payables and receivables solutions; wealth management includes equities, mutual funds, bonds, and annuities; insurance offerings comprise property, general liability, group medical plans, long- and short-term disability, professional liability, workers compensation, truckers and cargo, auto, home, umbrella, aviation, and surety bonds, as well as employee dental, vision, and life insurance; digital channels include mobile, online, phone, and internet banking, supported by approximately 150 ATM locations in the Memphis metropolitan area. Founded in 2005 and headquartered in Memphis, Tennessee, Paragon Financial Solutions operates as a community-focused institution emphasizing local decision-making, personalized service, and technological innovation. Recent expansions include the opening of loan and deposit production offices in Jackson, Tennessee, and the greater Nashville area in Franklin, Tennessee, in 2024, alongside new banking centers in Atlanta's Buckhead district in February 2024, Oxford, Mississippi, in October 2023, and Wilmington, North Carolina, in February 2023; the company earned the No. 3 ranking among the 2025 Best Banks to Work For in the United States and continues to advance its ACTS Community Engagement program, with team members logging over 19,000 volunteer hours since 2008 across education, hunger relief, and shelter initiatives.