OTCPK:PGNN

Stock Analysis Report

Paragon Financial Solutions

Executive Summary

Paragon Financial Solutions, Inc. provides various banking products and services to individual, and small and mid-sized businesses in the United States.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • Paragon Financial Solutions's last earnings update was 4133 days ago.
  • Paragon Financial Solutions is not covered by any analysts.

Share Price & News

How has Paragon Financial Solutions's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.5%

OTCPK:PGNN

3.3%

US Banks

2.1%

US Market


1 Year Return

-14.2%

OTCPK:PGNN

-13.8%

US Banks

-0.04%

US Market

PGNN matched the Banks industry (-13.8%) over the past year.

PGNN underperformed the Market in United States of America which returned -0% over the past year.


Share holder returns

PGNNIndustryMarket
7 Day0.5%3.3%2.1%
30 Day-1.7%-7.0%-3.2%
90 Day1.0%-2.3%2.8%
1 Year-14.2%-14.2%-11.3%-13.8%2.2%-0.04%
3 Year43.7%43.7%42.5%32.7%41.5%32.3%
5 Year63.0%63.0%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Paragon Financial Solutions's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Paragon Financial Solutions undervalued based on future cash flows and its price relative to the stock market?


In this section, we usually try to help investors determine whether Paragon Financial Solutions is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Paragon Financial Solutions has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of PGNN’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Paragon Financial Solutions regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Paragon Financial Solutions expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Paragon Financial Solutions has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of PGNN’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Paragon Financial Solutions's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Paragon Financial Solutions performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Paragon Financial Solutions has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Paragon Financial Solutions's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Paragon Financial Solutions's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Paragon Financial Solutions has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of PGNN’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Paragon Financial Solutions's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Paragon Financial Solutions's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Paragon Financial Solutions's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Paragon Financial Solutions's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Paragon Financial Solutions has not reported any payouts.

Unable to verify if Paragon Financial Solutions's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Paragon Financial Solutions has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Paragon Financial Solutions's salary, the management and board of directors tenure and is there insider trading?

5.6yrs

Average management tenure


CEO

Robert Shaw (59yo)

5.6yrs

Tenure

US$289,568

Compensation

Robert S. Shaw, Jr., a Co-Founder of Paragon Bank ("Paragon"), serves as the Chief Executive Officer and a Member of the Board of Directors since Paragon ’s founding in 2005. He also served as President fr ...


Management Age and Tenure

5.6yrs

Average Tenure

The average tenure for the Paragon Financial Solutions management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

5.6yrs

Average Tenure

55.5yo

Average Age

The tenure for the Paragon Financial Solutions board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Robert Shaw (59yo)

    Chief Executive Officer

    • Tenure: 5.6yrs
    • Compensation: US$289.57k
  • Marshall Talley

    Executive Vice President and Senior Credit Officer

    • Tenure: 9.8yrs
  • Andrew Taylor

    Executive Vice President and Senior Credit Officer

    • Tenure: 0.0yrs
    • Compensation: US$177.97k
  • Carol McConkey

    Senior Vice President and Senior Consumer Banking Officer

    • Tenure: 0.0yrs
  • B. McMurtry

    Senior Vice President of Commercial Lending

    • Tenure: 0.0yrs
  • Bob Word

    Senior Vice President

    • Tenure: 0.0yrs
  • Wayne Littleton

    Senior VP of Private Banking

    • Tenure: 8.2yrs
  • Mike Edwards

    President & COO

    • Tenure: 5.6yrs
  • Lewis Perkins

    Executive VP & CFO

    • Tenure: 5.6yrs
  • Tracey Thesmar

    Controller

    • Tenure: 0.0yrs

Board Members

  • Robert Shaw (59yo)

    Chief Executive Officer

    • Tenure: 5.6yrs
    • Compensation: US$289.57k
  • Nap Cassibry (68yo)

    Director

    • Tenure: 5.6yrs
    • Compensation: US$18.31k
  • John Novarese (51yo)

    Director

    • Tenure: 5.6yrs
    • Compensation: US$11.83k
  • Craig Weiss (52yo)

    Chairman of the Board

    • Tenure: 5.6yrs
    • Compensation: US$14.20k
  • Christian Saenger

    Director

    • Tenure: 0.0yrs
    • Compensation: US$18.08k
  • James Freeman

    Director

    • Tenure: 0.0yrs
    • Compensation: US$14.68k
  • Mike Edwards

    President & COO

    • Tenure: 5.6yrs
  • Mary McDaniel

    Director

    • Tenure: 6.6yrs
  • Pete Stark

    Director

    • Tenure: 6.6yrs
  • Anita Vaughn

    Director

    • Tenure: 3.3yrs

Company Information

Paragon Financial Solutions, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Paragon Financial Solutions, Inc.
  • Ticker: PGNN
  • Exchange: OTCPK
  • Founded: 2004
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$42.810m
  • Shares outstanding: 4.41m
  • Website: https://www.bankparagon.com

Number of Employees


Location

  • Paragon Financial Solutions, Inc.
  • 5400 Poplar
  • Suite 350
  • Memphis
  • Tennessee
  • 38119
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PGNNOTCPK (Pink Sheets LLC)YesCommon StockUSUSDSep 2005

Biography

Paragon Financial Solutions, Inc. provides various banking products and services to individual, and small and mid-sized businesses in the United States. It offers deposit products, including checking accou ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 00:05
End of Day Share Price2019/08/21 00:00
Earnings2008/03/31
Annual Earnings2007/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.