Binah Capital Group, Inc. (BCG) 10-Year Financial Performance & Capital Metrics

BCG • • Banking & Credit

Financial ServicesAsset ManagementWealth Management & Financial AdvisoryIndependent Advisory Platforms

AboutBinah Capital Group, Inc., together with its subsidiaries, operates in the wealth management industry. The company provides access to stock, bond, exchange-traded fund, and options execution services; and research, compliance, supervision, and accounting and related services for financial advisors. It also offers mutual funds and insurance products, as well as alternative investments, such as non-traded real estate investment trusts, unit trusts, and fixed and variable annuities. The company was founded in 2016 and is headquartered in Albany, New York. Binah Capital Group, Inc. operates as a subsidiary of MHC Securities, LLC.Show more

Net Interest Income $486K -83.7%
Total Revenue $164M +2.8%
Net Income -$5M -1026.8%
Return on Equity -167.1% -1563.2%
Net Interest Margin 0.73% -83.5%
Efficiency Ratio 6.35% +6.0%
ROA -7.89% -1040.7%
Equity / Assets 1.85% -75.6%
Book Value per Share 0.07 -76.6%
Tangible BV/Share -2.39 -6.1%
Debt/Equity 23.41 +180.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 6.3% efficiency ratio
✓Momentum leader: RS Rating 89 (top 11%)
✓Diversified revenue: 97.3% from non-interest income

✗Weaknesses

✗High debt to equity ratio of 23.4x
✗Weak NIM of 0.7%
✗Thin capital base
✗Trading more than 30% below 52-week high
✗Expensive at 32.5x book value

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y-

3Y-0.58%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM120.59%

EPS CAGR

10Y-

5Y-

3Y-

TTM127.52%

ROCE

10Y Avg2.74%

5Y Avg2.74%

3Y Avg4.4%

Latest3.2%

Peer Comparison

Independent Advisory Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GRANGrande Group Limited Class A Ordinary Shares	90.57M	4.55	28.44	-4.2%	37.32%	96.27%	0.72%	0.08
NEWTNewtekOne, Inc.	421.47M	14.59	7.44	26.12%	15.95%	15.33%		2.41
BCGBinah Capital Group, Inc.	40.01M	2.41	-7.53	2.83%	-3.22%	5.77%		23.41
EFTYETOILES CAPITAL GROUP CO., LTD	226.95M	15.02			33.75%	95.98%	0.68%	0.06
WTFWaton Financial Limited Ordinary Shares	172.21M	3.57		-25.93%	-160.68%	-101.81%	0.2%	0.04
FOFOHang Feng Technology Innovation Co., Ltd. Ordinary Shares	43.91M	6.39		16.02%	30.05%	96.1%	3.01%

Profit & Loss

	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	374.41K	1.31M	3.13M	2.98M	486K
NII Growth %	-	2.49%	1.39%	-0.05%	-0.84%
Net Interest Margin %	-	-	-	-	-
Interest Income	2.99M	4.18M	6.45M	8.1M	4.51M
Interest Expense	2.61M	2.87M	3.32M	5.12M	4.03M
Loan Loss Provision	98.73M	152.12M	156.56M	144.44M	148.45M
Non-Interest Income+	107.44M	163.1M	165.96M	151.76M	159.88M
Non-Interest Income %	-	-	-	-	-
Total Revenue+	110.43M	167.28M	172.4M	159.86M	164.39M
Revenue Growth %	-	0.51%	0.03%	-0.07%	0.03%
Non-Interest Expense	10.73M	10.28M	10.44M	9.57M	10.43M
Efficiency Ratio	-	-	-	-	-
Operating Income+	-1.63M	2.01M	2.08M	734K	1.48M
Operating Margin %	-	-	-	-	-
Operating Income Growth %	-	2.23%	0.04%	-0.65%	1.02%
Pretax Income+	-3.77M	2.01M	1.49M	486K	-3.15M
Pretax Margin %	-	-	-	-	-
Income Tax+	-372.5K	-781.45K	580K	-85K	1.42M
Effective Tax Rate %	-	-	-	-	-
Net Income+	-3.39M	2.79M	911K	571K	-5.29M
Net Margin %	-	-	-	-	-
Net Income Growth %	-	1.82%	-0.67%	-0.37%	-10.27%
Net Income (Continuing)	-3.39M	2.79M	911K	571K	-4.56M
EPS (Diluted)+	-0.21	-0.03	0.06	0.04	-0.32
EPS Growth %	-	0.85%	2.83%	-0.37%	-10.04%
EPS (Basic)	-0.21	-0.03	0.06	0.04	-0.32
Diluted Shares Outstanding	16.13M	16.13M	16.13M	16.13M	16.59M

Balance Sheet

	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	6.69M	7.32M	7.85M	7.22M	7.49M
Short Term Investments	0	0	0	400K	0
Total Investments+	0	0	0	400K	0
Investments Growth %	-	-	-	-	-1%
Long-Term Investments	0	0	0	0	0
Accounts Receivables	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-
Goodwill	34.21M	39.84M	39.84M	39.84M	39.84M
Intangible Assets	4.16M	3.14M	2.16M	1.58M	1.02M
PP&E (Net)	8.31M	8.13M	5.98M	5.31M	4.33M
Other Assets	1.67M	2.61M	2.39M	2.63M	1.99M
Total Current Assets	16M	20.36M	18.31M	18.06M	19.5M
Total Non-Current Assets	48.34M	53.72M	50.37M	49.35M	47.18M
Total Assets+	64.35M	74.09M	68.68M	67.41M	66.68M
Asset Growth %	-	0.15%	-0.07%	-0.02%	-0.01%
Return on Assets (ROA)	-0.05%	0.04%	0.01%	0.01%	-0.08%
Accounts Payable	18.4M	21.23M	8.9M	9.08M	21.68M
Total Debt+	40.65M	46.65M	39.06M	42.55M	28.82M
Net Debt	33.96M	39.32M	31.21M	35.33M	21.34M
Long-Term Debt	34.3M	40.25M	0	38.17M	25M
Short-Term Debt	0	0	39.06M	0	0
Other Liabilities	0	0	0	-1K	14.95M
Total Current Liabilities	18.4M	21.23M	63.79M	19.76M	21.68M
Total Non-Current Liabilities	40.65M	46.65M	0	42.55M	43.77M
Total Liabilities	59.04M	67.87M	63.79M	62.31M	65.45M
Total Equity+	5.3M	6.21M	4.9M	5.1M	1.23M
Equity Growth %	-	0.17%	-0.21%	0.04%	-0.76%
Equity / Assets (Capital Ratio)	-	-	-	-	-
Return on Equity (ROE)	-0.64%	0.48%	0.16%	0.11%	-1.67%
Book Value per Share	0.33	0.39	0.30	0.32	0.07
Tangible BV per Share	-	-	-	-	-
Common Stock	0	0	12.3M	12.3M	0
Additional Paid-in Capital	0	0	9.09M	0	22.98M
Retained Earnings	0	0	-19.26M	-18.69M	-23.25M
Accumulated OCI	0	0	0	0	0
Treasury Stock	0	0	0	0	0
Preferred Stock	0	0	2.77M	2.61M	1.5M

Cash Flow

	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.14M	2.53M	5.36M	2.55M	-617K
Operating CF Growth %	-	0.18%	1.12%	-0.52%	-1.24%
Net Income	-3.39M	2.79M	911K	571K	-4.56M
Depreciation & Amortization	2.22M	1.64M	1.52M	1.1M	1.02M
Deferred Taxes	580.3K	-1.23M	573K	993K	607K
Other Non-Cash Items	2.43M	465.94K	2.03M	1.8M	2M
Working Capital Changes	312K	-1.14M	321K	-1.91M	314K
Cash from Investing+	-1M	-4.99M	-327K	-80K	-85K
Purchase of Investments	0	0	0	0	0
Sale/Maturity of Investments	0	0	0	0	0
Net Investment Activity	-	-	-	-	-
Acquisitions	-438.9K	-4.57M	0	0	0
Other Investing	0	0	0	0	0
Cash from Financing+	925.67K	3.1M	-4.51M	-2.7M	1.57M
Dividends Paid	-1.13M	-2.23M	0	-200K	-632K
Share Repurchases	0	0	0	0	0
Stock Issued	599.16K	350.93K	0	0	0
Net Stock Activity	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	-1000K	-1000K	-1000K
Other Financing	-1.03M	0	-2.23M	0	-8.19M
Net Change in Cash+	2.07M	634.53K	7.01M	-228K	865K
Exchange Rate Effect	0	0	1000K	0	0
Cash at Beginning	4.62M	6.69M	838.48K	7.85M	7.62M
Cash at End	6.69M	7.32M	7.85M	7.62M	8.49M
Interest Paid	2.14M	2.07M	0	3.98M	2.63M
Income Taxes Paid	3.83K	0	0	0	271K
Free Cash Flow+	1.58M	2.1M	5.03M	2.47M	-702K
FCF Growth %	-	0.33%	1.39%	-0.51%	-1.28%

Banking Ratios

Metric	2020	2021	2022	2023	2024
Return on Equity (ROE)	-63.99%	48.41%	16.4%	11.42%	-167.1%
Return on Assets (ROA)	-5.27%	4.03%	1.28%	0.84%	-7.89%
Net Interest Margin	0.58%	1.76%	4.55%	4.42%	0.73%
Efficiency Ratio	9.71%	6.15%	6.06%	5.99%	6.35%
Equity / Assets	8.24%	8.38%	7.13%	7.57%	1.85%
Book Value / Share	0.33	0.39	0.3	0.32	0.07
NII Growth	-	249.13%	139.29%	-4.83%	-83.67%
Dividend Payout	-	79.98%	-	35.03%	-

Revenue by Segment

	2024
Advisory Fees	24.94M
Advisory Fees Growth	-

Frequently Asked Questions

Growth & Financials

Binah Capital Group, Inc. (BCG) grew revenue by 2.8% over the past year. Growth has been modest.

Yes, Binah Capital Group, Inc. (BCG) is profitable, generating $1.0M in net income for fiscal year 2024 (-3.2% net margin).

Dividend & Returns

Yes, Binah Capital Group, Inc. (BCG) pays a dividend with a yield of 0.21%. This makes it attractive for income-focused investors.

Binah Capital Group, Inc. (BCG) has a return on equity (ROE) of -167.1%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Binah Capital Group, Inc. (BCG) has a net interest margin (NIM) of 0.7%. NIM has been under pressure due to interest rate environment.

Binah Capital Group, Inc. (BCG) has an efficiency ratio of 6.3%. This is excellent, indicating strong cost control.

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