US Metro Bancorp, Inc.

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5.98

USD

+0.10

- -

11.84MMarket Cap

Income Statement (USD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	19	24	27	47	51	46	47	59
+ Sales & Services Revenue	19	24	27	47	51	46	47	59
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	8	10	10	15	18	22	24	29
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-8	-10	-10	-15	-18	-22	-24	-29
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-6	-8	-7	-22	-23	-15	-10	-15
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-6	-8	-7	-22	-23	-15	-10	-15
Pretax Income	6	8	7	22	23	15	10	15
- Income Tax Expense (Benefit)	2	2	2	6	7	4	3	4
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	4	5	5	16	17	11	7	10
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	4	5	5	16	17	11	7	10
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	4	5	5	16	17	11	7	10
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	4	5	5	16	17	11	7	10
EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	2	2	2	3	3	4	4
EBITDA Margin (%)	1.34	6.91	6.19	4.36	5.85	6.34	7.52	7.09
EBITA	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	21.17	22.28	17.03	33.66	33.1	23.03	15.21	17.21
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	0.05	0.1	0.12	0.12	0.12
Depreciation Expense	- -	2	2	2	3	3	4	4
Basic Weighted Avg Shares	16	16	16	16	16	16	17	17
Basic EPS, GAAP	0.25	0.32	0.29	0.97	1.03	0.65	0.43	0.62
Basic EPS from Cont Ops	0.25	0.32	0.29	0.97	1.03	0.65	0.43	0.62
Diluted Weighted Avg Shares	17	16	17	16	17	17	17	17
Diluted EPS, GAAP	0.24	0.32	0.28	0.96	1.02	0.64	0.43	0.61
Diluted EPS from Cont Ops	0.24	0.32	0.28	0.96	1.02	0.64	0.43	0.61

Balance Sheet (USD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	93	139	164	187	173	149	168	221
+ Cash & Cash Equivalents	93	139	164	117	118	130	150	200
+ ST Investments	- -	- -	- -	69	54	19	19	20
+ Accounts & Notes Receiv	1	6	7	7	3	5	5	6
+ Accounts Receivable, Net	1	6	7	7	3	5	5	6
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-95	-145	-171	-193	-176	-154	-173	-226
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	2	2	2	2	2	3	3	3
+ Property, Plant & Equip	5	6	6	7	7	9	9	10
- Accumulated Depreciation	3	4	4	5	5	6	5	7
+ LT Investments & Receivables	- -	- -	- -	69	54	19	19	20
+ LT Investments	- -	- -	- -	69	54	19	19	20
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-2	-2	-2	-71	-56	-22	-22	-23
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-2	-2	-2	-71	-56	-22	-22	-23
Total Assets	389	542	767	968	1,122	1,226	1,397	1,553
+ Payables & Accruals	2	7	6	9	10	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	2	7	6	9	10	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	25	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	25	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-2	-7	-6	-9	-10	- -	-25	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-2	-7	-6	-9	-10	- -	-25	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	2	- -	30	26	51	51	26	72
+ LT Borrowings	2	- -	30	26	51	51	26	72
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-2	- -	-30	-26	-51	-51	-26	-72
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-2	- -	-30	-26	-51	-51	-26	-72
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	336	484	704	892	1,037	1,131	1,296	1,441
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	53	53	53	53	54	54	55	55
+ Common Stock	51	51	51	51	52	52	52	53
+ Additional Paid in Capital	2	2	2	2	2	3	3	3
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	- -	5	10	25	40	48	54	62
+ Other Equity	- -	- -	- -	-1	-9	-8	-7	-5
Equity Before Minority Interest	53	58	63	77	85	95	101	112
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	53	58	63	77	85	95	101	112
Total Liabilities & Equity	389	542	767	968	1,122	1,226	1,397	1,553
Shares Outstanding	- -	- -	16	16	16	16	17	17
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-92	-139	-133	-92	-68	-79	-99	-128
Net Debt to Equity	-173.36	-238.74	-212.41	-119.74	-79.57	-82.75	-97.67	-113.98
Tangible Common Equity Ratio	13.58	10.72	8.19	7.92	7.58	7.77	7.24	7.22
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	4	5	5	16	17	11	7	10
+ Depreciation & Amortization	- -	2	2	2	3	3	4	4
+ Non-Cash Items	5	-2	3	-1	9	-3	-2	-11
+ Stock-Based Compensation	- -	- -	- -	- -	1	- -	- -	- -
+ Deferred Income Taxes	- -	- -	-1	-1	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	5	-2	5	1	9	-3	-2	-11
+ Chg in Non-Cash Work Cap	1	2	-2	3	-5	5	-1	-4
+ (Inc) Dec in Accts Receiv	1	-3	-1	- -	1	-1	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	-3	-1	-1	-1
+ Inc (Dec) in Accts Payable	1	5	-1	3	-3	6	- -	-3
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	11	7	8	20	24	15	8	-1
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-1	- -	- -	-1	-2	-1	-1
+ Acq of Fixed Prod Assets	-1	-1	- -	- -	-1	-2	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -	- -	- -
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	- -	- -	- -	-71	4	2	4	3
+ Dec in LT Investment	- -	- -	- -	3	4	2	4	6
+ Inc in LT Investment	- -	- -	- -	-74	- -	- -	- -	-4
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-76	-103	-203	-180	-170	-89	-153	-94
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-77	-104	-203	-251	-167	-89	-150	-93
+ Dividends Paid	- -	- -	- -	-1	-2	-2	-2	-2
+ Net Cash From Debt	-5	-2	25	- -	- -	- -	- -	21
+ Cash From Debt	- -	- -	25	- -	- -	- -	- -	21
+ Repayments of Debt	-5	-2	- -	- -	- -	- -	- -	- -
+ Other Financing Activities	64	144	195	185	145	87	164	126
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	59	143	220	184	143	85	162	145
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-7	46	25	-47	1	11	20	51
EBITDA	- -	2	2	2	3	3	4	4
EBITDA Margin (%)	1.34	6.91	6.19	4.36	5.85	6.34	7.52	7.09
Free Cash Flow	10	6	7	20	24	13	7	-3
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	10	6	7	20	24	13	7	-3
Free Cash Flow to Equity	- -	4	33	20	24	13	7	19
Free Cash Flow per Basic Share	0.62	0.36	0.44	1.25	1.45	0.81	0.42	-0.16
Price/Free Cash Flow	4.88	8.48	5.96	3.49	2.7	3.33	6.23	-332.91
Cash Flow to Net Income	2.74	1.3	1.65	1.3	1.45	1.41	1.13	-0.14
Capital Expenditures	-1	-1	- -	- -	-1	-2	-1	-1