NASDAQ$CASH

Meta Financial Group Inc · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Briefing

Reported net income for the first quarter of fiscal year 2020.

Meta Financial Group reported a strong first quarter for fiscal year 2020, with net income increasing by 37% compared to the same period last year. The company's ongoing efforts to enhance its earning asset mix and leverage its core deposit base drove earnings growth. Meta Financial Group also announced an agreement to sell its Community Bank division to Central Bank during the quarter.

  • Net income for the first quarter of fiscal 2020 was $21.1 million, or $0.56 per diluted share, compared to $15.4 million, or $0.39 per diluted share, for the same period last year.
  • Total revenue for the fiscal 2020 first quarter was $102.1 million, compared to $98.0 million for the same quarter in fiscal 2019, representing a 4% increase.
  • Net interest income was $64.7 million, compared to $60.3 million in the comparable quarter in fiscal 2019.
  • The company repurchased 899,371 of its shares at an average price of $34.17 during the quarter.

Headline financials

Total Revenue

$102M

Previous: $98M+4.2%
EPS (adj)

$0.56

Previous: $0.39+43.6%
Net Interest Margin

4.9%

No prior period
Tax Equivalent Net Interest Margin

5.0%

No prior period
Full Time Equivalent Employees

1.1K

No prior period
Capital Expenditures

-$2.11M

Previous: -$5.73M+63.2%
Free Cash Flow

$19M

Previous: $9.67M+96.1%
Net Income

$21.1M

Previous: $15.4M+36.8%
Operating Income

$81.7M

Previous: $66.4M+23.0%
Gross Profit

$98.7M

Previous: $88.9M+11.0%
Cash & Equivalents

$152M

Previous: $164M-7.3%
Total Assets

$6.18B

Previous: $6.18B-0.0%
Stock-Based Comp

$3.51M

Previous: $4.28M-18.1%

Revenue & EPS history

Meta · Revenue · Quarterly

$102M

Q1 2020+4.2%vs Q1 2019
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Revenue by segment

Meta · $55.2M total across 5 segments · Q1 2023

  • Card and deposit fees
    $37.7M
  • Rental income
    $12.7M
  • Other income
    $3.56M
  • Refund transfer product fees
    $677K
  • Gain on sale of other
    $502K

Forward guidance

The Company expects full-year fiscal 2020 GAAP earnings per common share to range between $3.58 to $3.78. When excluding an expected gain on sale of the Community Bank division and the net financial impact of the sale of foreclosed property, the Company expects full-year fiscal 2020 EPS to range between $3.30 and $3.50.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2020

Historical avgQ1 2020

+1.2%

Avg return

Earnings day

+0.6%

Avg return

5 days after

+3.4%

Avg return

30 days after

55%

36 / 65 earnings

Positive

+20.5%

Q4 2020

Best reaction

-18.5%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q2 2026+0.7%-9.6%-16.0%
Q1 2026+7.1%-3.0%-2.7%
Q4 2025-0.0%-2.2%-2.2%
Q2 2025+6.0%+6.9%+3.8%
Q1 2025-0.6%+2.6%+2.7%
Q4 2024-4.0%-3.7%+13.4%
Q3 2024+4.9%+4.1%+3.1%
Q2 2024+4.3%+1.5%+8.9%
Q1 2024+1.1%+3.0%-2.5%
Q4 2023+7.5%+6.7%+16.1%
Q3 2023-5.8%-7.7%-13.8%
Q2 2023+7.9%+10.1%+15.2%
Q1 2023+7.8%+7.3%+12.2%
Q4 2022+6.6%+5.9%+13.2%
Q3 2022-18.5%-20.2%-18.5%
Q2 2022-2.9%-4.4%-7.5%
Q1 2022-1.5%+3.4%-3.9%
Q4 2021-10.7%-6.5%+0.1%
Q3 2021+3.5%+0.3%+2.7%
Q2 2021+10.3%+8.3%+15.7%
Q1 2021+3.5%+3.7%+16.1%
Q4 2020+20.5%+23.2%+45.7%
Q3 2020+5.5%+0.8%+0.9%
Q2 2020-7.7%+1.9%-1.7%
Q1 2020+1.5%+1.5%-11.3%
Q4 2019-9.6%-9.3%-2.0%
Q3 2019+10.9%+8.8%+12.4%
Q2 2019+14.3%+13.1%+20.7%
Q1 2019+9.0%+6.0%+7.0%
Q4 2018+6.5%+5.6%-4.6%
Q3 2018-5.3%-6.7%-11.0%
Q2 2018-8.2%-9.5%+0.8%
Q1 2018+12.7%+5.5%+4.5%
Q4 2017+4.0%+3.5%+10.7%
Q3 2017-0.9%-23.4%-25.4%
Q2 2017-4.4%-6.0%-2.9%
Q1 2017-15.3%-6.3%-14.0%
Q4 2016+5.9%+5.2%+35.8%
Q3 2016+4.0%+3.6%+11.5%
Q2 2016+7.2%
Q1 2016+15.7%
Q4 2015+3.7%
Q3 2015-0.8%
Q2 2015-4.1%
Q1 2015+3.3%
Q4 2014+0.1%
Q3 2014-3.3%
Q2 2014-4.2%
Q1 2014-3.1%
Q4 2013-5.8%
Q3 2013+7.1%
Q2 2013-1.7%
Q1 2013+1.6%
Q4 2012-2.1%
Q3 2012-3.2%
Q2 2012-0.8%
Q1 2011+12.9%
Q1 2012-5.0%
Q2 2011+6.8%
Q4 2009+6.8%
Q4 2011+6.8%
Q3 2010-13.8%
Q4 2010-13.8%
Q3 2011-13.8%
Q2 2010+12.5%

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