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Page: Company Financials

Reliant Bancorp, Inc.

Ticker: RBNC | Industry: Banks - Regional | Sector: Financial Services
$35.50 +0.51 (1.46%)
As of: 2021-12-31

Master Data Export

Enterprise Value

Metric MRQ MRQ-1 2021 2020 2019 2018 2017 2016 2015 2014
Stock Price 31.59 27.73 29.35 15.17 22.81 24.41 27.49 27.49 27.49 27.49
Market Capitalization 526.45M 460.79M 488.14M 238.09M 255.44M 278.33M 224.28M 208.99M 167.42M 103.40M
(-) Cash & Equivalents 79.43M 55.44M 84.20M 77.26M 43.24M 38.11M 20.90M 25.24M 21.93M 3.20M
(+) Total Debt 84.43M 100.70M 90.13M 141.82M 36.73M 77.85M 55.62M 102.58M 101.21M 5.19M
Enterprise Value 531.45M 506.05M 494.08M 302.66M 248.93M 318.07M 258.99M 286.33M 246.69M 105.39M

Income Statement

Metric TTM TTM-1 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31 2015-12-31 2014-12-31 2013-12-31
Revenue 152M 110M 130M 68M 63M 41M 41M 40M 12M 10M
Cost of Revenue 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M
Gross Profit 152M 110M 130M 68M 63M 41M 41M 40M 12M 10M
Gross Profit Margin 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
R&D Expenses 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M
SG&A Expenses 62M 52M 57M 39M 34M 22M 22M 23M 6M 5M
Operating Expenses -68M -59M -69M -26M -33M -26M -27M -29M -7M -6M
Operating Income (EBIT) 220M 170M 199M 94M 96M 66M 68M 69M 19M 16M
Operating Income Margin 144.5% 153.9% 153.3% 138.5% 151.4% 163.4% 165.0% 173.3% 157.5% 155.5%
Interest Income 139M 115M 130M 79M 69M 40M 36M 30M 12M 11M
Interest Expense 21M 23M 22M 23M 15M 6M 3M 3M 2M 2M
Net Interest Income 118M 92M 108M 56M 54M 34M 33M 27M 11M 9M
Unusual Items -272M -236M -269M -137M -138M -93M -91M -87M -26M -23M
EBT Excluding Unusual Items 338M 262M 307M 150M 150M 101M 101M 96M 29M 26M
Pre-Tax Income 66M 25M 38M 13M 12M 8M 10M 8M 3M 3M
Pre-Tax Margin 43.3% 23.0% 29.4% 18.7% 18.7% 20.0% 24.4% 20.9% 27.8% 27.8%
Income Tax Expense 13M 4M 7M 2M 1M 2M 2M 2M 1M 1M
Net Income 51M 23M 31M 16M 14M 7M 9M 6M 2M 2M
Net Income Margin 33.3% 21.1% 24.2% 23.9% 22.2% 17.9% 21.6% 14.1% 18.2% 18.2%
Depreciation & Amortization 7M 3M 5M 2M 2M 1M 1M 1M 0M 0M
EBITDA 228M 172M 204M 96M 98M 68M 70M 70M 19M 17M
EBITDA Margin 149.4% 156.2% 157.5% 141.4% 154.1% 166.6% 168.2% 176.3% 160.4% 159.2%
NOPAT 176M 142M 162M 78M 85M 50M 53M 50M 12M 11M
NOPAT Margin 115.7% 128.3% 125.3% 115.2% 133.9% 124.2% 128.9% 125.6% 103.2% 101.6%
Owner's Earnings 58M 23M 34M 17M 11M 7M 9M 6M 2M 2M
Owner's Earnings Margin 37.9% 20.6% 26.2% 24.9% 18.0% 16.8% 22.7% 14.8% 20.4% 20.5%
EPS (Basic) 3.06 1.53 2.03 1.44 1.23 0.89 1.18 0.88 0.71 0.62
EPS (Diluted) 3.03 1.66 2.03 1.44 1.23 0.88 1.16 0.86 0.69 0.62
Shares (Basic) 17M 14M 15M 11M 11M 8M 8M 6M 3M 3M
Shares (Diluted) 17M 14M 15M 11M 11M 8M 8M 6M 3M 3M

Product Segments

Metric TTM TTM-1 2020-12-31 2019-12-31
Credit and Debit Card 0.00M 0.00M 0.21M 0.14M
Investment Advisory, Management and Administrative Service 0.00M 0.00M 0.19M 0.05M

Balance Sheet

Metric MRQ MRQ-1 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31 2015-12-31 2014-12-31 2013-12-31
Cash & Cash Equivalents 79.43M 55.44M 93.47M 50.99M 34.81M 20.50M 23.41M 20.29M 12.80M 6.95M
Short-Term Investments 254.42M 266.70M 256.65M 260.29M 296.32M 220.20M 146.81M 133.83M 27.40M 24.29M
Cash & Short-Term Investments 333.84M 322.13M 350.13M 311.28M 331.13M 240.70M 170.23M 154.11M 40.21M 31.25M
Net Receivables 14.37M 14.49M 14.89M 7.11M 8.21M 5.74M 3.79M 3.10M 1.51M 1.25M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Assets 2,306.61M 2,388.39M 2,294.56M 1,247.49M 1,014.78M 635.92M 569.08M 562.83M 222.04M 191.55M
Total Current Assets 2,654.82M 2,725.01M 2,659.57M 1,565.89M 1,354.12M 882.36M 743.09M 720.04M 263.75M 224.04M
Property, Plant & Equipment 39.95M 41.93M 44.57M 21.38M 22.03M 9.79M 9.09M 9.20M 4.24M 4.51M
Goodwill 54.40M 54.40M 54.40M 43.64M 43.64M 11.40M 11.40M 11.40M 0.00M 0.00M
Intangible Assets 9.98M 10.43M 11.35M 7.27M 8.22M 1.28M 1.58M 1.94M 0.33M 0.31M
Long-Term Investments 254.42M 266.70M 256.65M 260.29M 296.32M 220.20M 146.81M 133.83M 27.40M 24.29M
Tax Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Non-Current Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Non-Current Assets 358.74M 373.45M 366.96M 332.58M 370.22M 242.68M 168.89M 156.36M 31.97M 29.11M
Total Assets 3,013.56M 3,098.46M 3,026.54M 1,898.47M 1,724.34M 1,125.03M 911.98M 876.40M 295.72M 253.16M
Accounts Payable 2.30M 1.97M 2.57M 2.02M 1.06M 0.31M 0.11M 0.06M 0.08M 0.09M
Short-Term Debt 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 3.67M 0.00M 0.00M 0.00M
Tax Payables 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Deferred Revenue 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Liabilities -2.30M -1.97M -2.57M -2.02M -1.06M -0.31M 0.00M -0.06M -0.08M -0.09M
Total Current Liabilities 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 3.78M 0.00M 0.00M 0.00M
Long-Term Debt 84.43M 100.70M 94.68M 81.62M 69.10M 96.75M 32.29M 135.76M 20.77M 20.32M
Capital Lease Obligations 13.61M 13.93M 14.23M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Deferred Tax Liabilities 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Non-Current Liabilities 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Non-Current Liabilities 98.03M 114.63M 108.91M 81.62M 69.10M 96.75M 32.29M 135.76M 20.77M 20.32M
Total Liabilities 98.03M 114.63M 108.91M 81.62M 69.10M 96.75M 36.07M 135.76M 20.77M 20.32M
Preferred Stock 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Common Stock 16.68M 16.67M 16.65M 11.21M 11.53M 9.03M 7.78M 7.28M 3.07M 3.06M
Retained Earnings 98.18M 86.92M 65.76M 40.47M 27.33M 17.19M 12.21M 4.99M 0.63M -0.92M
Accumulated OCI 6.75M 8.31M 6.23M 5.07M -3.68M 1.48M -2.12M -0.04M 0.65M 0.26M
Minority Interest 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Shareholders’ Equity 121.62M 111.90M 88.64M 56.75M 35.18M 27.70M 17.87M 12.23M 4.36M 2.41M
Total Equity 121.62M 111.90M 88.64M 56.75M 35.18M 27.70M 17.87M 12.23M 4.36M 2.41M
Total Liabilities & Equity 219.65M 226.53M 197.55M 138.37M 104.28M 124.45M 53.94M 147.99M 25.13M 22.73M
Tangible Assets 2,949.19M 3,033.63M 2,960.79M 1,847.56M 1,672.48M 1,112.35M 899.00M 863.06M 295.39M 252.85M
Tangible Equity 57.25M 47.07M 22.90M 5.84M -16.69M 15.02M 4.89M -1.11M 4.03M 2.10M
Tangible Book Value 57.25M 47.07M 22.90M 5.84M -16.69M 15.02M 4.89M -1.11M 4.03M 2.10M
Total Investments 508.83M 533.39M 513.31M 520.59M 592.65M 440.40M 293.63M 267.65M 54.81M 48.59M
Net Debt 5.00M 45.26M 1.20M 30.63M 34.29M 76.25M 12.55M 115.47M 7.97M 13.37M

Capital Metrics

Metric MRQ MRQ-1 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31 2015-12-31 2014-12-31 2013-12-31
Working Capital 2,652.5M 2,723.0M 2,657.0M 1,563.9M 1,353.1M 882.1M 739.3M 720.0M 263.7M 224.0M
Total Capital 440.7M 447.0M 416.7M 305.4M 277.5M 236.9M 142.9M 232.5M 56.8M 54.3M
Capital Employed 3,011.3M 3,096.5M 3,024.0M 1,896.4M 1,723.3M 1,124.7M 908.2M 876.3M 295.6M 253.1M
Invested Capital 361.3M 391.6M 323.2M 254.4M 242.7M 216.4M 119.5M 212.2M 44.0M 47.4M

Cash Flow Statement

Metric TTM TTM-1 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31 2015-12-31 2014-12-31 2013-12-31
Net Income 50.71M 23.32M 31.41M 16.20M 14.09M 7.25M 8.94M 5.58M 2.17M 1.90M
Depreciation & Amortization 7.46M 2.59M 5.46M 2.00M 1.70M 1.32M 1.33M 1.19M 0.34M 0.39M
Deferred Income Tax 1.21M -1.29M 2.06M 0.40M 0.38M 0.26M 0.24M -0.20M -0.26M -0.21M
Stock-Based Compensation 1.66M 1.54M 1.58M 1.22M 0.92M 0.62M 0.25M 0.10M 0.03M 0.03M
Change in Working Capital -8.38M 1.21M -8.20M -0.74M -3.61M 3.01M -5.72M -2.10M 0.01M 0.14M
Accounts Receivable 0.24M -3.72M -4.37M 1.10M -1.31M -1.96M -0.69M -0.47M -0.26M -0.03M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Accounts Payable -0.44M -0.11M -0.70M 0.96M 0.33M 0.20M 0.05M -0.27M 0.00M -0.01M
Other Working Capital -8.18M 5.04M -3.13M -2.80M -2.63M 4.77M -5.08M -1.36M 0.28M 0.18M
Other Non-Cash Items 26.61M -76.94M -107.24M -23.19M 28.79M -32.10M 43.73M -27.26M 0.68M 0.90M
Net Cash from Operating Activities 79.26M -49.57M -74.93M -4.12M 42.27M -19.64M 48.76M -22.69M 2.98M 3.14M
Capital Expenditures (PPE) -0.46M -3.21M -2.87M -1.34M -4.34M -1.77M -0.87M -0.93M -0.09M -0.15M
Acquisitions (Net) 0.00M 0.00M -8.50M 0.00M 33.13M 0.00M 0.00M 12.38M 0.00M 0.00M
Purchases of Investments -98.77M -33.74M -61.78M -50.43M -109.08M -96.07M -60.22M -63.56M -6.54M -4.04M
Sales / Maturities of Investments 116.42M 151.95M 163.11M 99.11M 113.72M 25.45M 41.04M 34.56M 3.71M 7.82M
Other Investing Activities -31.66M -215.48M -94.52M -179.62M -143.14M -114.10M -52.63M -54.91M -33.44M -27.75M
Net Cash from Investing Activities -14.47M -100.47M -4.57M -132.28M -109.72M -186.49M -72.68M -72.47M -36.37M -24.12M
Net Debt Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Long-Term Debt Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Short-Term Debt Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Common Stock Issuance 0.00M 0.33M 0.00M 0.60M 0.40M 24.03M 4.77M 1.82M 0.07M 0.00M
Common Stock Repurchased 0.00M -0.27M 0.00M -8.38M -0.01M 0.00M 0.00M 0.00M 0.00M 0.00M
Preferred Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Dividends Paid -7.74M -5.49M -6.23M -4.01M -3.45M -3.19M -1.49M 0.00M -0.61M 0.00M
Common Dividends Paid -7.74M -5.49M -6.23M -4.01M -3.45M -3.19M -1.49M 0.00M -0.61M 0.00M
Preferred Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Financing Activities -64.30M 191.27M 129.12M 156.27M 85.41M 205.75M 29.08M 104.58M 39.85M 19.64M
Net Cash from Financing Activities -72.03M 185.78M 122.89M 152.26M 81.96M 202.56M 27.59M 104.58M 39.24M 19.64M
Effect of FX on Cash 0.00M 0.61M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Change in Cash -7.25M 36.35M 43.40M 15.86M 14.51M -3.58M 3.67M 9.42M 5.85M -1.33M
Cash at Beginning of Period 356.72M 244.25M 51.65M 35.18M 20.67M 24.24M 20.57M 11.15M 6.95M 8.29M
Cash at End of Period 349.48M 280.60M 95.05M 51.04M 35.18M 20.67M 24.24M 20.57M 12.80M 6.95M
Operating Cash Flow 79.26M -49.57M -74.93M -4.12M 42.27M -19.64M 48.76M -22.69M 2.98M 3.14M
Capital Expenditure -0.46M -3.21M -2.87M -1.34M -4.34M -1.77M -0.87M -0.93M -0.09M -0.15M
Free Cash Flow 78.80M -52.77M -77.80M -5.45M 37.92M -21.41M 47.89M -23.61M 2.89M 2.99M

Free Cash Flow

Metric TTM TTM-1 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31 2015-12-31 2014-12-31 2013-12-31
EBITDA 98.06M 61.02M 78.31M 31.14M 30.92M 20.06M 20.90M 18.01M 6.56M 5.56M
(-) Tax Adjustment 19.56M 10.16M 14.27M 5.23M 3.57M 4.81M 4.58M 4.96M 2.26M 1.93M
(-) Change In Working Capital -8.38M 1.21M -8.20M -0.74M -3.61M 3.01M -5.72M -2.10M 0.01M 0.14M
(-) Capital Expenditure -0.46M -3.21M -2.87M -1.34M -4.34M -1.77M -0.87M -0.93M -0.09M -0.15M
Unlevered Free Cash Flow 86.42M 46.45M 69.36M 25.31M 26.62M 10.47M 21.17M 14.22M 4.19M 3.35M
(-) Net Interest Income After Taxes 94.48M 76.75M 88.35M 46.42M 47.61M 26.22M 25.50M 19.69M 6.95M 6.14M
Net Debt Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Levered Free Cash Flow -8.06M -30.30M -18.99M -21.12M -20.99M -15.75M -4.33M -5.47M -2.76M -2.79M