| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | |
|---|---|---|---|---|---|
| Net Interest Income | 0 | 0 | 0 | 0 | -7.24M |
| NII Growth % | - | - | - | - | - |
| Net Interest Margin % | - | - | - | - | - |
| Interest Income | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 0 | 6.33M | 7.2M | 9.07M | 7.24M |
| Loan Loss Provision | 59.26M | 402.46M | 423.01M | 462.38M | 612.76M |
| Non-Interest Income | 215.45M | 452.08M | 471.46M | 505.49M | 512.95M |
| Non-Interest Income % | - | - | - | - | - |
| Total Revenue | 215.45M | 452.08M | 471.46M | 505.49M | 512.95M |
| Revenue Growth % | - | 1.1% | 0.04% | 0.07% | 0.01% |
| Non-Interest Expense | 196.2M | 37.22M | 38.15M | 43.77M | 43.88M |
| Efficiency Ratio | - | - | - | - | - |
| Operating Income | 19.25M | 43.3M | 41.25M | 34.03M | -107.04M |
| Operating Margin % | - | - | - | - | - |
| Operating Income Growth % | - | 1.25% | -0.05% | -0.17% | -4.15% |
| Pretax Income | 2.77M | 36.24M | 34.05M | 25.62M | -113.91M |
| Pretax Margin % | - | - | - | - | - |
| Income Tax | 112K | 15.33M | -15.82M | 6.66M | 4.37M |
| Effective Tax Rate % | - | - | - | - | - |
| Net Income | 2.65M | 20.91M | 49.87M | 18.96M | -118.28M |
| Net Margin % | - | - | - | - | - |
| Net Income Growth % | - | 6.88% | 1.38% | -0.62% | -7.24% |
| Net Income (Continuing) | 2.65M | 20.91M | 49.87M | 18.96M | -118.28M |
| EPS (Diluted) | 0.07 | 0.54 | 1.25 | 0.48 | -3.19 |
| EPS Growth % | - | 6.87% | 1.31% | -0.62% | -7.65% |
| EPS (Basic) | 0.07 | 0.54 | 1.29 | 0.48 | -3.19 |
| Diluted Shares Outstanding | 38.67M | 38.68M | 39.84M | 39.39M | 37.02M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | |
|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 10.19M | 8.79M | 6.56M | 7.15M | 1.42M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 0 | 0 | 0 | 0 | 0 |
| Investments Growth % | - | - | - | - | - |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivables | 0 | 0 | 0 | 0 | 1000K |
| Goodwill & Intangibles | - | - | - | - | - |
| Goodwill | 318.27M | 320.02M | 320.64M | 321.53M | 192.74M |
| Intangible Assets | 28.37M | 24.78M | 21.5M | 18.51M | 10.83M |
| PP&E (Net) | 114.03M | 138.32M | 156.12M | 161.43M | 156.92M |
| Other Assets | 223.13M | 224.17M | 224.18M | 224.51M | 483.15M |
| Total Current Assets | 19.77M | 19.86M | 19.88M | 32.98M | 18.82M |
| Total Non-Current Assets | 683.81M | 707.3M | 722.44M | 725.98M | 843.63M |
| Total Assets | 703.57M | 727.16M | 742.32M | 758.96M | 862.46M |
| Asset Growth % | - | 0.03% | 0.02% | 0.02% | 0.14% |
| Return on Assets (ROA) | 0% | 0.03% | 0.07% | 0.03% | -0.15% |
| Accounts Payable | 16.83M | 16.43M | 18.76M | 19.88M | 19.65M |
| Total Debt | 169.69M | 175.33M | 172.05M | 179.7M | 275.21M |
| Net Debt | 159.5M | 166.54M | 165.5M | 172.54M | 273.79M |
| Long-Term Debt | 167.97M | 173.74M | 170.64M | 178.66M | 257.36M |
| Short-Term Debt | 1.73M | 1.59M | 1.42M | 1.03M | 17.85M |
| Other Liabilities | -131.72M | -143.6M | -139.21M | -145.81M | 16.6M |
| Total Current Liabilities | 51.45M | 54.67M | 55.43M | 55.7M | 72.3M |
| Total Non-Current Liabilities | 115.77M | 121.41M | 100M | 102.32M | 343.47M |
| Total Liabilities | 335.19M | 349.82M | 326.07M | 336.68M | 560.35M |
| Total Equity | 368.38M | 377.33M | 416.25M | 422.27M | 302.11M |
| Equity Growth % | - | 0.02% | 0.1% | 0.01% | -0.28% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - |
| Return on Equity (ROE) | 0.01% | 0.06% | 0.13% | 0.05% | -0.33% |
| Book Value per Share | 9.53 | 9.75 | 10.45 | 10.72 | 8.16 |
| Tangible BV per Share | - | - | - | - | - |
| Common Stock | 4K | 4K | 4K | 4K | 4K |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | -3.89M | 17.03M | 66.9M | 85.15M | -31.22M |
| Accumulated OCI | 0 | 172K | 14K | 180K | -52K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | |
|---|---|---|---|---|---|
| Cash from Operations | 17.09M | 57.55M | 57.79M | 61.83M | 49.05M |
| Operating CF Growth % | - | 2.37% | 0% | 0.07% | -0.21% |
| Net Income | 2.65M | 20.91M | 49.87M | 18.96M | -118.28M |
| Depreciation & Amortization | 11.28M | 22.91M | 22.94M | 25.47M | 47.72M |
| Deferred Taxes | 88K | -10.74M | 22.59M | -1.1M | 583K |
| Other Non-Cash Items | 32.89M | 23.49M | -41.76M | -415K | 143.49M |
| Working Capital Changes | -31.32M | -3.12M | -738K | 12.83M | -30.76M |
| Cash from Investing | 10.19M | -47.65M | -40.69M | -50.02M | -29.27M |
| Purchase of Investments | 0 | -15.31M | -13.85M | -16.32M | -7.37M |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | - | - | - | - | - |
| Acquisitions | -89.83M | 0 | 0 | 0 | 0 |
| Other Investing | 118.61M | 13.51M | 23.79M | 14.32M | 21.8M |
| Cash from Financing | -49.46M | -11.29M | -19.34M | -11.21M | -25.5M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -10.19M | -15.31M | -13.85M | -16.32M | -7.37M |
| Stock Issued | 35M | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - |
| Debt Issuance (Net) | 0 | 0 | 0 | 0 | 0 |
| Other Financing | -49.46M | -11.29M | -19.34M | -11.21M | -25.5M |
| Net Change in Cash | 10.19M | -1.4M | -2.24M | 594K | -5.73M |
| Exchange Rate Effect | 1000K | 0 | 0 | 0 | 0 |
| Cash at Beginning | 0 | 10.19M | 8.79M | 6.56M | 7.15M |
| Cash at End | 10.19M | 8.79M | 6.56M | 7.15M | 1.42M |
| Interest Paid | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | -1.51M | 11.69M | 7.16M | 13.8M | 5.35M |
| FCF Growth % | - | 8.75% | -0.39% | 0.93% | -0.61% |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 |
|---|---|---|---|---|---|
| Return on Equity (ROE) | 0.72% | 5.61% | 12.57% | 4.52% | -32.66% |
| Return on Assets (ROA) | 0.38% | 2.92% | 6.79% | 2.53% | -14.59% |
| Net Interest Margin | 0% | 0% | 0% | 0% | -0.84% |
| Efficiency Ratio | 91.07% | 8.23% | 8.09% | 8.66% | 8.55% |
| Equity / Assets | 52.36% | 51.89% | 56.07% | 55.64% | 35.03% |
| Book Value / Share | 9.53 | 9.75 | 10.45 | 10.72 | 8.16 |
| 2018 | 2019 | |
|---|---|---|
| Franchise | 100K | 19M |
| Franchise Growth | - | 18902.00% |
| Franchise Advertising Contribution | - | 14.52M |
| Franchise Advertising Contribution Growth | - | - |
Berto Acquisition Corp. Warrant (TACOW) grew revenue by 1.5% over the past year. Growth has been modest.
Berto Acquisition Corp. Warrant (TACOW) reported a net loss of $211.8M for fiscal year 2019.
Berto Acquisition Corp. Warrant (TACOW) has a return on equity (ROE) of -32.7%. Negative ROE indicates the company is unprofitable.
Berto Acquisition Corp. Warrant (TACOW) has a net interest margin (NIM) of -0.8%. NIM has been under pressure due to interest rate environment.
Berto Acquisition Corp. Warrant (TACOW) has an efficiency ratio of 8.6%. This is excellent, indicating strong cost control.