• $44.1M
    Market Cap
  • 18.71%
    1-Year Change
  • Insurance - Life
    Industry
Annual
Quarterly
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Income Statement
Total Operating Revenue
188.2M
+0.77%
186.8M
-0.56%
187.9M
-5.86%
199.6M
+2.15%
Cost of Revenue
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Profit
188.2M
+0.77%
186.8M
-0.56%
187.9M
-5.86%
199.6M
+2.15%
Sales and Marketing Expense
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Research and Development Expense
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Depreciation and Amortization Expense
366,000
-43.87%
652,000
-26.74%
890,000
-11.27%
1.0M
+2.35%
Total Operating Expenses
193.5M
+3.27%
187.4M
+0.86%
185.8M
-4.37%
194.3M
+8.01%
Operating Profit
-5.3M
+831.68%
-565,000
-126.96%
2.1M
-60.47%
5.3M
-65.80%
Interest Income
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Interest Expense
-3.4M
+4.59%
-3.3M
+67.47%
-2.0M
+40.74%
-1.4M
-13.85%
Interest Income and Expense and Net
-3.4M
+4.59%
-3.3M
+67.47%
-2.0M
+40.74%
-1.4M
-13.85%
Total Nonoperating Income and Expense
3.4M
+4.59%
3.3M
+67.47%
2.0M
+40.74%
1.4M
-13.85%
Income before Taxes
-5.3M
+831.68%
-565,000
-126.96%
2.1M
-60.47%
5.3M
-65.80%
Income Taxes
-996,000
+152.79%
-394,000
-169.00%
571,000
-44.07%
1.0M
-69.38%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Income
-4.3M
+2,395.91%
-171,000
-111.21%
1.5M
-64.38%
4.3M
-64.82%
Net Income from Continuing Operations Applicable to Common
-4.7M
+718.77%
-570,000
-150.62%
1.1M
-70.99%
3.9M
-67.02%
Basic EPS and Net Income
-0.23
+666.67%
-0.03
-150.00%
0.06
-68.42%
0.19
-67.24%
Diluted EPS and Net Income
-0.23
+666.67%
-0.03
-150.00%
0.06
-68.42%
0.19
-66.07%
Basic Weighted Average Shares
20.4M
-0.02%
20.4M
+0.07%
20.4M
-0.06%
20.4M
-0.19%
Diluted Weighted Average Shares
20.4M
-0.02%
20.4M
+0.07%
20.4M
-0.06%
20.4M
-6.49%
Balance Sheet
Cash and Cash Equivalents
35.6M
+25.68%
28.3M
-1.95%
28.9M
+16.60%
24.8M
+28.13%
Short-Term Investments
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash and Cash Equivalents and Short-Term Investments
35.6M
+25.68%
28.3M
-1.95%
28.9M
+16.60%
24.8M
+28.13%
Total Current Assets
11.8M
+31.01%
9.0M
-1.89%
9.2M
+5.54%
8.7M
+11.72%
Accumulated Depreciation
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Property and Plant and Equipment and Net
38,000
0.00%
38,000
0.00%
38,000
0.00%
38,000
0.00%
Total Long-Term Assets
11.8M
+31.01%
9.0M
-1.89%
9.2M
+5.54%
8.7M
+11.72%
Total Assets
393.4M
+3.19%
381.3M
+3.87%
367.1M
-8.76%
402.3M
-0.72%
Income Taxes Payable
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Short-Term Debt
4.0M
+33.26%
3.0M
+50.27%
2.0M
N/A
0
N/A
Total Current Liabilities
30.9M
+24.73%
24.8M
-6.28%
26.5M
+3.96%
25.5M
-3.59%
Total Long-Term Debt
37.8M
+2.73%
36.8M
+2.83%
35.7M
+98.13%
18.0M
-22.22%
Total Long-Term Liabilities
5.4M
+91.56%
2.8M
-22.80%
3.6M
-17.25%
4.4M
-13.61%
Total Liabilities
293.8M
+7.24%
274.0M
+3.44%
264.9M
+1.48%
261.0M
+0.34%
Retained Earnings
45.9M
-9.96%
50.9M
-2.03%
52.0M
+1.40%
51.3M
+7.27%
Total Stockholders Equity
99.6M
-7.14%
107.3M
+4.97%
102.2M
-27.67%
141.3M
-2.60%
Total Shares Outstanding
20.4M
-0.01%
20.4M
-0.02%
20.4M
+0.14%
20.4M
-0.18%
Cash Flow
Cash from Operating Activities
4.8M
+83.07%
2.6M
-59.37%
6.5M
+493.11%
1.1M
-87.87%
Capital Expenditures
225,000
+181.25%
80,000
-36.51%
126,000
+17.76%
107,000
-54.08%
Cash from Investing Activities
2.3M
+167.85%
-3.4M
-1.84%
-3.4M
-164.68%
5.3M
+356.78%
Dividends Paid
408,000
0.00%
408,000
0.00%
408,000
0.00%
408,000
N/A
Cash from Financing Activities
186,000
+2.76%
181,000
-83.32%
1.1M
+213.73%
-954,000
+98.34%
Financials Ratio
Gross Margin
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Margin
-2.80%
+824.50%
-0.30%
-127.11%
1.12%
-58.00%
2.66%
-66.52%
Return on Assets
-1.10%
+2,311.16%
-0.05%
-111.53%
0.40%
-62.61%
1.06%
-65.90%
Return on Equity
-4.13%
+2,426.58%
-0.16%
-113.04%
1.25%
-58.11%
2.99%
-67.63%
Revenue Growth
0.77%
+236.31%
-0.56%
-90.40%
-5.86%
-372.38%
2.15%
+250.72%
Current Ratio
0.38
+5.03%
0.36
+4.69%
0.35
+1.52%
0.34
+15.87%
Cash Ratio
1.15
+0.75%
1.14
+4.62%
1.09
+12.17%
0.97
+32.90%
Debt-to-Equity Ratio
0.42
+13.13%
0.37
+0.35%
0.37
+189.35%
0.13
N/A
Debt-to-Assets Ratio
0.11
+1.82%
0.10
+1.36%
0.10
+129.69%
0.04
N/A

Earnings & Revenue History

Debt-to-Assets

Cash Flow