Key figures for the selected year.
The model's causal graph for 2025. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Cash and Cash Equivalents | 34,042 |
| Debt | 0 |
| Deposits | 181,472 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 6,266 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Other Assets | 1.29 |
| Assets | 4.87 |
| Liabilities | 2.94 |
| Stockholders Equity | 8.35 |
| ECR before LimitedLiability | 11.2 |
| Loans | -1.19 |
| Cash and Cash Equivalents | 2.77 |
| Notes Receivable | 1.92 |
| Deposits | -20.5 |
| Debt | 2.72 |
| Other Liabilities | 12.9 |
| Operating Expenses | 2.40 |
| Expenses | 2.22 |
| Revenues | -4.21 |
| Net Income | 1.13 |
| Labor and Related Expense | -1.14 |
| Selling and Marketing Expense | 1.16 |
| Other Revenues | -4.21 |
| Comprehensive Net Income | 1.81 |
| Other Net Income | 2.81 |
| Economic Capital Ratio | 7.58 |
Charts generated by the RealRate valuation model for this report year.
Distribution of each variable's impact on financial strength — green strengthens, red weakens.
How the company's key drivers have shifted across years.
Model-forecast valuation vs. observed market value.
