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BankGuam Holding Company BKGM

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Price alert · BKGM

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9,500.00 USD +500.00 (+5.56%)

Nov 6, 2026, 9:54 AM EST

9,500.00 Day range 9,500.00
7,950.00 52-week range 10,000.00
YTD
+15.85%
1 year
+15.85%

Financial health

Altman Z-Score

-0.53 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 6.3×
FY 2016: 7.0×FY 2017: 13.0×FY 2018: 8.9×FY 2019: 6.7×FY 2020: 7.7×FY 2021: 5.4×FY 2022: 7.5×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 6.3×
FY 2016 5y median 5.4× FY 2025
P/S 0.8×
FY 2016: 1.1×FY 2017: 1.1×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/B 0.7×
FY 2016: 0.7×FY 2017: 0.8×FY 2018: 0.8×FY 2019: 0.7×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 1.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.7×
FY 2016 5y median 0.6× FY 2025
P/FCF 4.4×
FY 2016: 8.2×FY 2017: 11.4×FY 2018: 3.3×FY 2019: 6.6×FY 2020: 3.7×FY 2021: 7.9×FY 2022: -158×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 4.4×
FY 2016 5y median 0.5× FY 2025
EV/EBITDA 4.5×
FY 2016: -3.6×FY 2017: -1.0×FY 2018: -2.1×FY 2019: -0.4×FY 2020: -9.1×FY 2021: -13.5×FY 2022: 0.2×FY 2023: -0.3×FY 2024: -0.4×FY 2025: 4.5×
FY 2016 5y median -0.3× FY 2025
EV/Sales 0.9×
FY 2016: -0.9×FY 2017: -0.2×FY 2018: -0.4×FY 2019: -0.1×FY 2020: -1.8×FY 2021: -3.9×FY 2022: 0.0×FY 2023: -0.1×FY 2024: -0.1×FY 2025: 0.9×
FY 2016 5y median -0.1× FY 2025
FCF Yield 22.9%
FY 2016: 12.2%FY 2017: 8.8%FY 2018: 30.2%FY 2019: 15.1%FY 2020: 27.0%FY 2021: 12.6%FY 2022: -0.6%FY 2023: 213.6%FY 2024: 188.8%FY 2025: 22.9%
FY 2016 5y median 22.9% FY 2025

Profitability

Gross Margin 85.2%
FY 2016: 93.2%FY 2017: 90.1%FY 2018: 85.8%FY 2019: 88.9%FY 2020: 87.5%FY 2021: 100.0%FY 2022: 93.9%FY 2023: 93.5%FY 2024: 93.0%FY 2025: 85.2%
FY 2016 5y median 93.5% FY 2025
Operating Margin 17.2%
FY 2016: 21.5%FY 2017: 18.5%FY 2018: 14.9%FY 2019: 19.7%FY 2020: 15.8%FY 2021: 26.0%FY 2022: 16.4%FY 2023: 23.2%FY 2024: 18.1%FY 2025: 17.2%
FY 2016 5y median 18.1% FY 2025
Net Margin 13.4%
FY 2016: 15.2%FY 2017: 8.7%FY 2018: 12.1%FY 2019: 14.6%FY 2020: 12.3%FY 2021: 19.3%FY 2022: 14.8%FY 2023: 19.4%FY 2024: 14.8%FY 2025: 13.4%
FY 2016 5y median 14.8% FY 2025
ROE 10.9%
FY 2016: 10.3%FY 2017: 6.2%FY 2018: 8.7%FY 2019: 9.8%FY 2020: 7.1%FY 2021: 11.8%FY 2022: 15.1%FY 2023: 18.3%FY 2024: 13.5%FY 2025: 10.9%
FY 2016 5y median 13.5% FY 2025
ROIC 0.8%
FY 2016: 9.5%FY 2017: 5.7%FY 2018: 7.9%FY 2019: 1.6%FY 2020: 5.4%FY 2021: 8.6%FY 2022: 2.5%FY 2023: 3.6%FY 2024: 2.6%FY 2025: 0.8%
FY 2016 5y median 2.6% FY 2025
ROA 0.8%
FY 2016: 0.7%FY 2017: 0.4%FY 2018: 0.7%FY 2019: 0.8%FY 2020: 0.5%FY 2021: 0.7%FY 2022: 0.7%FY 2023: 1.2%FY 2024: 0.9%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 7.6%
FY 2016: 10.7%FY 2017: 9.8%FY 2018: 7.6%FY 2019: 4.6%FY 2020: -8.5%FY 2021: 5.2%FY 2022: 19.7%FY 2023: 23.2%FY 2024: 4.4%FY 2025: 7.6%
FY 2016 FY 2025
Operating Income 2.7%
FY 2016: 25.5%FY 2017: -5.7%FY 2018: -13.4%FY 2019: 38.1%FY 2020: -26.6%FY 2021: 73.3%FY 2022: -24.6%FY 2023: 74.5%FY 2024: -18.7%FY 2025: 2.7%
FY 2016 FY 2025
EPS (diluted) 0.0%
FY 2016: 16.8%FY 2017: -41.1%FY 2018: 55.3%FY 2019: 25.2%FY 2020: -26.5%FY 2021: 67.1%FY 2022: -7.3%FY 2023: 70.9%FY 2024: -20.3%FY 2025: 0.0%
FY 2016 FY 2025
Free Cash Flow 4.8%
FY 2016: -10.4%FY 2017: -20.4%FY 2018: 279.7%FY 2019: -53.0%FY 2020: 52.8%FY 2021: -44.8%FY 2022: -106.3%FY 2023: 4363.9%FY 2024: -11.6%FY 2025: 4.8%
FY 2016 FY 2025

Financial Health

Current Ratio 24.7×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 4495×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 24.7×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 24.7×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 4495×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 24.7×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.5×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 0.3×
FY 2016: -7.8×FY 2017: -5.8×FY 2018: -8.0×FY 2019: -4.6×FY 2020: -13.7×FY 2021: -17.0×FY 2022: -5.1×FY 2023: -0.8×FY 2024: -0.9×FY 2025: 0.3×
FY 2016 5y median -0.9× FY 2025
Interest Coverage 2.2×
FY 2016: 9.0×FY 2017: 8.3×FY 2018: 7.4×FY 2019: 8.7×FY 2020: 7.0×FY 2021: 14.5×FY 2022: 10.1×FY 2023: 13.3×FY 2024: 4.8×FY 2025: 2.2×
FY 2016 5y median 10.1× FY 2025

Dividends

Dividend Yield 3.8%
FY 2016: 4.0%FY 2017: 4.1%FY 2018: 3.8%FY 2019: 4.1%FY 2020: 4.8%FY 2021: 4.6%FY 2022: 3.9%FY 2023: 30.9%FY 2024: 33.8%FY 2025: 3.8%
FY 2016 5y median 4.6% FY 2025
Payout Ratio 24.0%
FY 2016: 27.7%FY 2017: 50.0%FY 2018: 34.3%FY 2019: 27.3%FY 2020: 35.4%FY 2021: 24.6%FY 2022: 28.0%FY 2023: 17.5%FY 2024: 24.1%FY 2025: 24.0%
FY 2016 5y median 24.1% FY 2025

Annual · latest fiscal year ends 2025-12-31