Event-Driven Stocks

BM Technologies, Inc.

BMTX, BMTX-WT

Financials · State Commercial Banks · DE · SEC filings ↗ · Compare ⊕

View price & chart on Yahoo Finance ↗
Signs● 3 good● 3 warning● 2 severedetails ↓

Financials

SEC XBRL · annual
 FY23FY22FY21FY20FY19FY18
Revenue$55.3M$83.6M$94.7M$66.4M——
Operating income−$20.0M−$9.3M$5.7M−$10.8M——
Net income−$17.3M−$779,000$17.0M−$12.2M$2.4M$294,957
Total assets$54.6M$71.0M$76.3M$66.6M$175.9M$173.5M
Total liabilities$23.7M$22.2M$38.4M$42.3M$7.5M$7.4M
Equity$31.0M$48.9M$38.0M$24.3M$34.6M$5.0M
EPS (diluted)$-1.50$-0.07$1.43$-1.99——
Shares out.11.9M12.3M12.2M6.1M——

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2023
Operating margin
−36.2%
Net margin
−31.4%
Return on equity
−56.0%
Return on assets
−31.7%
Return on capital (ROCE)
−62.9%
Liabilities / assets
43.3%
Debt / equity
0.76×
Book value / share
$2.61
Revenue growth (YoY)
−33.9%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2023
Altman Z″ (distress)
-2.84distress
Accruals / assets
−34.5%clean
Piotroski F-Score
3/9weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
42
/ 100
Profitability 0Growth 0Catalyst 33Earnings quality 100Financial strength 75

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 2 severe● 3 warning● 3 good
  • Altman Z″ in the distress zone
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • Operating losses (negative operating margin)
  • Reported a net loss
  • Revenue declined year-over-year
  • Conservative leverage (liabilities < 50% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (2)

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