Paragon Financial Solutions, Inc. (PGNN)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 19 | 21 | 24 | 26 | 31 | 37 | 37 | - |
| Operating profit | $m | 10 | 10 | ||||||
| Net profit | $m | 3 | 4 | 4 | 4 | 5 | 8 | 8 | - |
| EPS reported | $ | 1.72 | 1.72 | ||||||
| Operating cashflow per share | $ | 2.23 | 0.00 | ||||||
| Capex per share | $ | 0.18 | 0.00 | ||||||
| FCF per share | $ | 2.04 | 0.00 | ||||||
| Free cash flow | $m | 9 | 0 | ||||||
| Net debt | $m | 43 | 50 | ||||||
| Book value equity | $m | 69 | 73 | ||||||
| Book value per share | $ | 15.25 | 16.25 | ||||||
| Number of shares | m | 4.54 | 4.51 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.50 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.12 | 8.30 | ||||||
| P/B LTM | x | 0.80 | 0.76 | ||||||
| P/S LTM | x | 1.52 | 1.49 | ||||||
| P/FCF LTM | x | 5.99 | 0.00 | ||||||
| EV/EBITDA LTM | x | 8.41 | 9.51 | ||||||
| EV/Sales LTM | x | 1.69 | 1.38 | ||||||
| Earnings Yield LTM | % | +14.04% | +12.05% | ||||||
| FCF Yield | % | +16.69% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +11.28% | +11.46% | ||||||
| ROIC | % | +5.80% | +0.87% | ||||||
| Operating margin | % | +17.73% | +17.73% | ||||||
| Gross margin | % | +62.67% | +63.49% | ||||||
| FCF/Sales | % | +15.94% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +65.38% | +65.38% | ||||||
| Sales Growth YoY | % | +18.00% | +20.43% | ||||||
| Net Income Growth YoY | % | +66.34% | +66.33% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +66.95% | +66.74% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.18 | 0.00 | ||||||
| Net Debt/EBITDA | x | 3.64 | 1.74 | ||||||
| EBIT/Net interest | x | 0.48 | 0.49 | ||||||
| Net debt/market cap | % | +92.11% | +42.40% | ||||||
| Net debt/Equity | x | 0.61 | 0.69 | ||||||
| Gross debt/equity | x | 0.74 | 0.79 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Paragon Financial Solutions, Inc., operating through its subsidiary Paragon Bank, delivers an extensive range of financial and banking services to individuals, small businesses, and mid-sized enterprises across the United States. The institution provides various deposit accounts, including checking, savings, money market savings, certificates of deposit, and individual retirement accounts. Its comprehensive lending portfolio features commercial loan products such as working capital lines, accounts receivable/inventory credit facilities, equipment financing, commercial vehicle loans, business acquisition funding, letters of credit, SBA/USDA-backed loans, and mortgages for both owner-occupied and investment commercial real estate. Residential mortgage options are also available, encompassing purchase, refinance, conventional, FHA, VA, affordable home, home equity, and specialized medical professional loans. For its private banking clientele, Paragon offers personalized depository and financial management services, alongside tailored credit solutions for special purchases, residential properties, home equity, construction and renovation projects, and vacation or secondary homes. Businesses can also utilize advanced cash management solutions designed to optimize liquidity, prevent fraud, and streamline both payables and receivables. Furthermore, the company assists clients with wealth management, providing access to equities, mutual funds, bonds, and annuity products. A wide array of insurance solutions is also offered, covering property, general liability, group medical plans, long and short-term disability, professional liability, workers' compensation, truckers/cargo, auto, home, umbrella, aviation, and surety bonds, in addition to employee dental, vision, and life insurance. Customers benefit from convenient digital banking services, accessible via mobile, online, phone, and internet platforms. The company also maintains approximately 150 ATM locations within the Memphis metropolitan area. Paragon Financial Solutions, Inc. was established in 2004 and is based in Memphis, Tennessee.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Paragon Financial Solutions, Inc. (PGNN)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Paragon Financial Solutions, Inc., operating through its subsidiary Paragon Bank, delivers an extensive range of financial and banking services to individuals, small businesses, and mid-sized enterprises across the United States. The institution provides various deposit accounts, including checking, savings, money market savings, certificates of deposit, and individual retirement accounts. Its comprehensive lending portfolio features commercial loan products such as working capital lines, accounts receivable/inventory credit facilities, equipment financing, commercial vehicle loans, business acquisition funding, letters of credit, SBA/USDA-backed loans, and mortgages for both owner-occupied and investment commercial real estate. Residential mortgage options are also available, encompassing purchase, refinance, conventional, FHA, VA, affordable home, home equity, and specialized medical professional loans. For its private banking clientele, Paragon offers personalized depository and financial management services, alongside tailored credit solutions for special purchases, residential properties, home equity, construction and renovation projects, and vacation or secondary homes. Businesses can also utilize advanced cash management solutions designed to optimize liquidity, prevent fraud, and streamline both payables and receivables. Furthermore, the company assists clients with wealth management, providing access to equities, mutual funds, bonds, and annuity products. A wide array of insurance solutions is also offered, covering property, general liability, group medical plans, long and short-term disability, professional liability, workers' compensation, truckers/cargo, auto, home, umbrella, aviation, and surety bonds, in addition to employee dental, vision, and life insurance. Customers benefit from convenient digital banking services, accessible via mobile, online, phone, and internet platforms. The company also maintains approximately 150 ATM locations within the Memphis metropolitan area. Paragon Financial Solutions, Inc. was established in 2004 and is based in Memphis, Tennessee.
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