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U.S. Global Investors, Inc. (GROW) 10-Year Financial Performance & Capital Metrics

GROW • • Banking & Credit
Financial ServicesGlobal Asset ManagementPublic Market Investment ManagementPublic Fund Managers
AboutU.S. Global Investors, Inc. is a publicly owned investment manager. The firm primarily provides its services to investment companies. It also provides its services to pooled investment vehicles. The firm manages equity and fixed income mutual funds for its clients. It also manages hedge funds. The firm also manages exchange traded funds. It invests in the public equity and fixed income markets across the globe. It invests in G.A.R.P. and value stocks to make its equity investments. The firm employs a fundamental and quantitative analysis with top-down and bottom-up stock picking approach to make its investments. U.S. Global Investors, Inc. was founded in 1968 and is based in San Antonio, Texas.Show more
  • Net Interest Income -$1K +66.7%
  • Total Revenue $8M -23.1%
  • Net Income -$334K -125.1%
  • Return on Equity -0.71% -126.9%
  • Net Interest Margin -0% +64.0%
  • Efficiency Ratio 76.99% +26.9%
  • ROA -0.67% -127.0%
  • Equity / Assets 94.06% -0.3%
  • Book Value per Share 3.39 -2.0%
  • Tangible BV/Share 3.39 -2.0%
  • Debt/Equity 0.00 +130.7%
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Well capitalized: 94.1% equity/assets
  • ✓Healthy dividend yield of 3.6%
  • ✓Share count reduced 5.9% through buybacks
  • ✓Diversified revenue: 100.0% from non-interest income
  • ✓Trading at only 0.7x book value

✗Weaknesses

  • ✗Weak 3Y average ROE of 2.6%
  • ✗Weak Piotroski F-Score: 2/9
  • ✗Weak NIM of -0.0%
  • ✗High cost structure: 77.0% efficiency ratio

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y1.43%
5Y13.56%
3Y-30.07%
TTM-

Profit (Net Income) CAGR

10Y-
5Y-
3Y-
TTM-52.96%

EPS CAGR

10Y-
5Y-
3Y-
TTM-45.21%

ROCE

10Y Avg-0.98%
5Y Avg8.3%
3Y Avg-0.19%
Latest-6.22%

Peer Comparison

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Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
GROWU.S. Global Investors, Inc.26.69M2.49-99.60-23.05%-3.95%1.87%0.00

Profit & Loss

Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Net Interest Income+00000464K0-4K-3K-1K
NII Growth %-------1%-0.25%0.67%
Net Interest Margin %----------
Interest Income00000464K0000
Interest Expense00000004K3K1K
Loan Loss Provision4.92M3.75M4.27M2.88M2.84M7.37M6.06M4.79M4.8M4.93M
Non-Interest Income+5.5M6.76M6.26M3.46M4.48M21.19M24.71M15.07M10.98M8.45M
Non-Interest Income %----------
Total Revenue+5.5M6.76M6.26M3.46M4.48M21.65M24.71M15.07M10.98M8.45M
Revenue Growth %-0.25%0.23%-0.07%-0.45%0.29%3.84%0.14%-0.39%-0.27%-0.23%
Non-Interest Expense4.76M3.88M4.28M3.33M4.04M6.12M7.54M6.75M6.66M6.51M
Efficiency Ratio----------
Operating Income+-4.18M-873K-2.29M-2.76M-2.4M8.16M11.11M3.52M-480K-2.99M
Operating Margin %----------
Operating Income Growth %-0.19%0.79%-1.62%-0.2%0.13%4.4%0.36%-0.68%-1.14%-5.22%
Pretax Income+-3.69M-527K886K-4.27M-4.64M37.44M4.97M4.08M1.92M-262K
Pretax Margin %----------
Income Tax+-6K17K197K-977K-175K5.48M1.53M934K582K72K
Effective Tax Rate %----------
Net Income+-3.67M-513K647K-3.39M-4.68M31.96M3.44M3.15M1.33M-334K
Net Margin %----------
Net Income Growth %0.09%0.86%2.26%-6.24%-0.38%7.82%-0.89%-0.08%-0.58%-1.25%
Net Income (Continuing)-3.69M-544K689K-3.29M-4.46M31.96M3.44M3.15M1.33M-334K
EPS (Diluted)+-0.24-0.030.04-0.23-0.302.120.230.220.09-0.03
EPS Growth %0.08%0.86%2.27%-6.39%-0.3%8.07%-0.89%-0.04%-0.57%-1.27%
EPS (Basic)-0.24-0.030.04-0.23-0.302.120.230.220.09-0.03
Diluted Shares Outstanding15.29M15.21M15.16M15.14M15.11M15.07M15.01M14.64M14.18M13.34M

Balance Sheet

Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Cash & Short Term Investments+1000K1000K1000K1000K1000K1000K1000K1000K1000K1000K
Cash & Due from Banks3.99M3.96M6.36M1.47M1.94M14.44M22.31M25.4M27.4M24.55M
Short Term Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K1000K
Total Investments+15.51M15.25M17.75M16.9M12.9M40.29M29.92M23.6M18.06M16.06M
Investments Growth %-0.3%-0.02%0.16%-0.05%-0.24%2.12%-0.26%-0.21%-0.23%-0.11%
Long-Term Investments5.41M5.53M9.58M8.88M6.58M33.97M17.78M11.96M8.42M6.37M
Accounts Receivables787K520K1000K309K974K1000K1000K1000K1000K1000K
Goodwill & Intangibles+----------
Goodwill0000000000
Intangible Assets0000000000
PP&E (Net)2.47M2.21M1.97M1.71M1.6M1.42M1.46M1.2M1.19M1.11M
Other Assets301K312K264K64K92K99K216K217K203K199K
Total Current Assets18.17M17.46M17.12M13.09M10.54M26.79M38.03M40.37M40.32M39.12M
Total Non-Current Assets8.17M8.05M11.81M10.65M8.27M35.49M20.33M15.3M11.65M8.95M
Total Assets+26.35M25.52M28.93M23.74M18.82M62.28M58.36M55.67M51.96M48.06M
Asset Growth %-0.14%-0.03%0.13%-0.18%-0.21%2.31%-0.06%-0.05%-0.07%-0.08%
Return on Assets (ROA)-0.13%-0.02%0.02%-0.13%-0.22%0.79%0.06%0.06%0.02%-0.01%
Accounts Payable516K489K731K247K255K553K870K629K500K449K
Total Debt+0000535K43K93K66K39K83K
Net Debt-3.99M-3.96M-6.36M-1.47M-1.4M-14.39M-22.22M-25.34M-27.36M-24.47M
Long-Term Debt00000000075K
Short-Term Debt0000442K00000
Other Liabilities0000000000
Total Current Liabilities1.3M1.17M1.77M1.43M2.01M5.15M4.13M2.94M2.16M1.87M
Total Non-Current Liabilities001.1M133K43K2.8M445K713K793K983K
Total Liabilities1.3M1.17M2.87M1.56M2.05M7.95M4.58M3.65M2.96M2.86M
Total Equity+25.05M24.35M26.06M22.18M16.76M54.32M53.78M52.02M49.01M45.21M
Equity Growth %-0.14%-0.03%0.07%-0.15%-0.24%2.24%-0.01%-0.03%-0.06%-0.08%
Equity / Assets (Capital Ratio)----------
Return on Equity (ROE)-0.14%-0.02%0.03%-0.14%-0.24%0.9%0.06%0.06%0.03%-0.01%
Book Value per Share1.641.601.721.471.113.613.583.553.463.39
Tangible BV per Share----------
Common Stock399K399K399K399K399K399K399K399K399K399K
Additional Paid-in Capital15.65M15.65M15.65M15.65M15.62M15.68M16.44M16.44M16.44M16.56M
Retained Earnings10.29M9.32M9.51M7.76M2.63M33.83M35.92M37.57M37.46M35.94M
Accumulated OCI-149K264K1.86M-206K-4K6.59M3.62M1.35M584K98K
Treasury Stock-1.66M-1.76M-1.88M-1.89M-1.88M-2.17M-2.6M-3.74M-5.88M-7.78M
Preferred Stock0000000000

Cash Flow

Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Cash from Operations+3.03M690K-34K-1.19M-1.95M4.77M10.54M2.91M990K-822K
Operating CF Growth %5.51%-0.77%-1.05%-34.06%-0.64%3.44%1.21%-0.72%-0.66%-1.83%
Net Income-3.7M-544K689K-3.44M-4.8M31.96M5.5M3.15M1.33M-334K
Depreciation & Amortization316K253K241K224K202K196K-419K-246K-139K-118K
Deferred Taxes0050K-966K-139K1.05M-2.44M-440K335K709K
Other Non-Cash Items-10K448K-1.71M71K2.8M-28.23M5.95M1.24M159K-145K
Working Capital Changes6.42M527K675K2.91M-119K-274K1.22M-792K-698K-1.06M
Cash from Investing+-646K-158K3.06M-1.73M2.54M8.65M-1.02M2.67M4.42M1.06M
Purchase of Investments-906K-1.3M-2.42M-1.84M-125K-17M-6.74M-663K-807K-1.25M
Sale/Maturity of Investments1000K1000K1000K77K1000K1000K1000K1000K1000K1000K
Net Investment Activity----------
Acquisitions001.31M0746K10.17M85K-2.69M00
Other Investing-2M02M35K199K-10.17M02.69M259K0
Cash from Financing+-1.83M-564K-590K-474K-120K-941K-1.64M-2.5M-3.41M-3.08M
Dividends Paid-574K-456K-455K-454K-452K-640K-1.24M-1.33M-1.28M-1.21M
Share Repurchases-313K-114K-141K-24K-113K-314K-452K-1.2M-2.17M-1.97M
Stock Issued59K6K6K4K3K13K53K59K69K73K
Net Stock Activity----------
Debt Issuance (Net)0000442K00-27K-30K42K
Other Financing-1M00000000-20K
Net Change in Cash+486K-35K2.41M-3.39M470K12.47M7.88M3.09M2M-2.85M
Exchange Rate Effect-73K-3K-28K2K000000
Cash at Beginning3.51M4.99M4.96M7.36M2.49M2.96M15.44M23.31M26.4M28.4M
Cash at End3.99M4.96M7.36M3.97M2.96M15.44M23.31M26.4M28.4M25.55M
Interest Paid00000004K3K1K
Income Taxes Paid49K-21K9K124K3K4.7M4.14M1.49M252K134K
Free Cash Flow+3.02M690K-34K-1.19M-1.95M4.69M10.31M2.9M777K-829K
FCF Growth %5.24%-0.77%-1.05%-34.06%-0.64%3.4%1.2%-0.72%-0.73%-2.07%

Banking Ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)-13.56%-2.08%2.57%-14.05%-24.06%89.92%6.36%5.95%2.64%-0.71%
Return on Assets (ROA)-12.87%-1.98%2.38%-12.86%-22.01%78.83%5.7%5.52%2.48%-0.67%
Net Interest Margin0%0%0%0%0%0.75%0%-0.01%-0.01%-0%
Efficiency Ratio86.52%57.4%68.34%96.33%90.24%28.26%30.52%44.79%60.65%76.99%
Equity / Assets95.07%95.43%90.07%93.41%89.09%87.23%92.16%93.44%94.31%94.06%
Book Value / Share1.641.61.721.471.113.613.583.553.463.39
NII Growth-------100%-25%66.67%
Dividend Payout--70.32%--2%36.02%42.33%95.87%-

Revenue by Segment

2012201320182019202020212022202320242025
Investment And Advisory Services------24.52M14.94M10.87M8.32M
Investment And Advisory Services Growth--------39.08%-27.25%-23.41%
Administrative Service------189K134K115K127K
Administrative Service Growth--------29.10%-14.18%10.43%
Investment Performance--464K-----490K-429K-247K
Investment Performance Growth--------12.45%42.42%
InvestmentAdvisoryServicesMember----4.31M21.45M----
InvestmentAdvisoryServicesMember Growth-----397.45%----
InvestmentManagementServicesMember----4.31M-----
InvestmentManagementServicesMember Growth----------
Investment Advisory Services---4.73M------
Investment Advisory Services Growth----------
Base Advisory Fee--960K-------
Base Advisory Fee Growth----------
Investment Management Services24.07M18.67M--------
Investment Management Services Growth--22.44%--------
Corporate Investments-216.3K---------
Corporate Investments Growth----------

Frequently Asked Questions

Growth & Financials

U.S. Global Investors, Inc. (GROW) saw revenue decline by 23.1% over the past year.

Yes, U.S. Global Investors, Inc. (GROW) is profitable, generating $0.9M in net income for fiscal year 2025 (-4.0% net margin).

Dividend & Returns

Yes, U.S. Global Investors, Inc. (GROW) pays a dividend with a yield of 3.64%. This makes it attractive for income-focused investors.

U.S. Global Investors, Inc. (GROW) has a return on equity (ROE) of -0.7%. Negative ROE indicates the company is unprofitable.

Industry Metrics

U.S. Global Investors, Inc. (GROW) has a net interest margin (NIM) of -0.0%. NIM has been under pressure due to interest rate environment.

U.S. Global Investors, Inc. (GROW) has an efficiency ratio of 77.0%. This is higher than peers, suggesting room for cost optimization.

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