Revenue
Cost
Profit
| Item | Category | Value | YoY |
|---|---|---|---|
| Total other income | revenue | 9.88M | 5.12% |
| Net income (loss) | profit | 6.31M | 115.94% |
| Costs and expenses | cost | 13.10M | -16.43% |
| Gain on sale of real estate investment property | revenue | 4.05M | 823.69% |
| Net income (loss) attributable to common shareholders | profit | 1.84M | 104.18% |
| Dividends, preferred stock | cost | 4.47M | 0.04% |
| Aggregate | cost | 17.15M | 6.46% |
| Compensation expense, excluding cost of good and service sold | cost | 7.66M | 12.27% |
| General and administrative expense | cost | 6.48M | -5.25% |
| Other expenses | cost | 1.95M | -0.26% |
| Impairment loss on real estate owned | cost | 1.06M | 115.45% |
| Item | Category | Value | YoY |
|---|---|---|---|
| Loans held for investment (net of deferred loan fees of $2,230 and $1,950) | assets | 375.19M | 0.04% |
| Loans held for investments, net of allowances for credit | assets | 363.68M | 1.99% |
| Valuation allowance | assets | 15.86M | -32.96% |
| Carrying value | assets | 39.13M | -27.46% |
| Real estate owned (net of impairment of and ) | assets | 16.40M | -11.69% |
| Cash and cash equivalents | assets | 10.92M | -39.53% |
| Investments in developmental real estate, net | assets | 9.72M | -30.74% |
| Due from borrowers (net of allowance of and ) | assets | 6.98M | 35.50% |
| Other assets | assets | 5.00M | -18.85% |
| Interest and fees receivable (net of allowance of and ) | assets | 4.12M | 9.24% |
| Property and equipment, net | assets | 3.16M | -1.92% |
| Marketable securities, current | assets | 936000 | -38.30% |
| Assets | assets | 460.05M | -6.49% |
| Liabilities | liabilities | 285.11M | -8.13% |
| Total shareholders’ equity | equity | 174.94M | -3.70% |
| Cumulative dividends | equity | 124.84M | 12.60% |
| Notes payable (net of deferred financing costs of $1,905 and $3,713) | liabilities | 171.35M | -24.36% |
| Senior notes | liabilities | 86.57M | |
| Lines of credit | liabilities | 19.00M | -52.50% |
| Advances from borrowers | liabilities | 4.02M | -0.77% |
| Total | liabilities | 3.25M | -25.63% |
| Mortgage payable | liabilities | 917000 | -8.48% |
| Aggregate | equity | 299.78M | 2.48% |
| Additional paid-in capital | equity | 257.90M | 0.37% |
| Cumulative net earnings | equity | 41.83M | 17.76% |
| Common stock - $0.001 par value; 200,000,000 shares authorized; 47,684,955 and 46,965,306 issued and outstanding at december 31, 2025 and 2024, respectively | equity | 48000 | 2.13% |
| Preferred shares - $0.001 par value; 5,000,000 shares authorized; 3,332,000 and 2,903,000 shares designated as series a preferred stock at december 31, 2025 and 2024, respectively; 2,312,758 and 2,306,748 shares of series a preferred stock issued and outstanding at december 31, 2025 and 2024, respectively | equity | 2000 | 0.00% |
| Item | Value |
|---|---|
| Net income (loss) | 6.31M |
| Provision for credit losses related to loans held for investment | 3.28M |
| Amortization of debt issuance costs | 2.20M |
| Asset impairment charges | 1.06M |
| Stock-based compensation | 840000 |
| Depreciation, depletion and amortization | 525000 |
| Increase (decrease) in loans, deferred income | 280000 |
| Advances from borrowers | -31000 |
| Gain (loss) on sales of loans, net | -121000 |
| Gain (loss) on extinguishment of debt | -140000 |
| Increase decrease in interest and fees receivable | -191000 |
| Increase (decrease) in accounts payable and accrued liabilities | -268000 |
| Increase (decrease) in other receivables | -766000 |
| Change in valuation allowance related to loans held for sale | -1.01M |
| Gain on investment securities | -1.57M |
| Increase (decrease) in finance receivables | -3.68M |
| Gain on sale of real estate investment property | -4.05M |
| Item | Value |
|---|---|
| Principal collections on loans | 140.16M |
| Proceeds from limited liability companies returns of capital | 21.26M |
| Proceeds from sale of property, plant, and equipment | 19.87M |
| Proceeds from sale, real estate, held-for-investment | 7.51M |
| Proceeds from sale and maturity of marketable securities | 2.15M |
| Property plant and equipment excluding construction investment in rental real estate | -162000 |
| Payments to acquire commercial real estate | -3.22M |
| Payments to acquire equity method investments | -6.45M |
| Aggregate amounts of loans funded | -151.78M |
| Item | Value |
|---|---|
| Proceeds from initial draw | 90.00M |
| Proceeds from lines of credit | 75.84M |
| Proceeds from repurchase agreements | 11.69M |
| Proceeds from issuance of series a preferred stock, net of expenses | 109000 |
| Repayments of first mortgage bond | -85000 |
| Payments of debt issuance costs | -3.65M |
| Payments of ordinary dividends, preferred stock and preference stock | -4.47M |
| Payments of ordinary dividends, common stock | -9.50M |
| Repayments of repurchase agreements | -45.40M |
| Repayments of notes payable | -56.84M |
| Repayments of lines of credit | -96.84M |
| Item | Value |
|---|---|
| Cash and cash equivalents, beginning of period | 18.07M |
| Cash and cash equivalents, end of period | 10.92M |
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