CFSB provides consumer and commercial banking services, including direct banking, lending, and payments. The bank combines banking expertise with technology for innovative financial solutions.

CFSB

Bank of Millbrook provides banking services, including personal and business banking, online banking, and investment services.

Bank of Millbrook

Marqeta, Inc. operates a cloud-based open application programming interface platform that delivers card issuing and transaction processing services to developers, technical product managers, and visionary entrepreneurs. It offers its solutions in various verticals, including commerce disruptors, digital banks, tech giants, and financial institutions. As of December 31, 2021, the company had approximately 200 customers. Marqeta, Inc. was incorporated in 2010 and is headquartered in Oakland, California.

Marqeta, Inc.

Solaris is a German technology company with a full banking license, offering a Banking-as-a-Service platform that enables businesses to embed financial solutions in new contexts. They provide digital banking and accounts APIs, digital KYC services, and a cloud-based banking infrastructure.

Marko Wenthin

Andreas Bittner

Solaris

CFSB | 2,522 followers on LinkedIn. Provide safe and effective banking &amp; payment solutions designed to meet the needs of our customers for the 21st Century | Founded in 2001, CFSB is a full-service payments, lending and banking provider that delivers global financial services through a personal approach. Our payments, lending and banking teams are built and run by seasoned professionals with decades of diverse expertise from major financial companies. Together, we’ve spent years reimagining what it means to be a true industry partner by helping emerging brands drive the future of the financial technology landscape.

Anti-Financial Crimes (Sanctions/AML/KYC) leader | Fintech | BaaS | Ex-PwC, EY, Deloitte

Shabbir Husain

Pete Chiccino

Jordan Steinberg

Howard Klein

We're #hiring a new VP, Quality Assurance Manager in New York, New York. Apply today or share this post with your network.

We're #hiring a new Analyst, Teller in Queens, New York. Apply today or share this post with your network.

We're #hiring a new Senior Associate, Security Engineer in New York, New York. Apply today or share this post with your network.

We're #hiring a new Associate, Payments Specialist in New York, New York. Apply today or share this post with your network.

We're #hiring a new Director, Head of Cybersecurity in New York, New York. Apply today or share this post with your network.

We're #hiring a new Senior Associate, Site Reliability Engineer in New York, New York. Apply today or share this post with your network.

We're #hiring a new VP, Financial Crimes Compliance Systems Screening Lead in New York, New York. Apply today or share this post with your network.

We're #hiring a new Associate, Fraud / Risk Analyst in New York, New York. Apply today or share this post with your network.

We're #hiring a new Analyst, Financial Crime Investigator in New York, New York. Apply today or share this post with your network.

We're #hiring a new AVP, Business Analyst in New York, New York. Apply today or share this post with your network.

Metric
Company Name	CFSB	Bank of Millbrook	Marqeta, Inc.	Solaris
Symbol			MQ
MSH ID	COM:CFSB	COM:BANKOFMILLBROOK	COM:MARQETA	COM:SOLARISGROUP
Market	PRIVATE	PRIVATE	STOCKS	PRIVATE
Sector	Financial Services & Finance	Financial Services & Finance	Technology	Financial Services & Finance
Industry	Banking	Banking	Software - Infrastructure	Financial Technology
Country	US	US	US	DE
Stage
Employee Count			771	739
Website	cfsb.com	bankofmillbrook.com	marqeta.com	solarisgroup.com
LinkedIn	cfsb---community-federal-savings-bank			solariscompany
Founders

Metric
Market Cap		2.77B
Enterprise Value
Monthly Web Traffic	36.24K
Web Traffic Growth	2.63
Valuation
Raised Capital	12M

Metric
Revenue			676.17M
Revenue (LTM)
Revenue (NTM)
Gross Profit			-180.82M
EBITDA			-185.60M
Operating Income			-198.87M
Net Income			-222.96M
EPS			-0.42
Diluted EPS			-0.42
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin			0.44
Operating Profit Margin			-0.13
EBITDA Margin			-0.27
Net Profit Margin			-0.03
Return on Equity			-0.01
Return on Assets			-0.01
Return on Capital Employed			-0.05

CFSB

COM:CFSB

CFSB

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio			-14.84
P/B Ratio			2.39
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio			5.99
EV Multiple			-14.43

Metric
Days Sales Outstanding			33.44
Days Payables Outstanding			126.45
Days Inventory Outstanding			8.51
Operating Cycle			80.75
Cash Conversion Cycle			15.02
Asset Turnover			0.43

Metric
Operating Cash Flow			21.10M
Free Cash Flow			8.45M
Cash Flow to Debt			17.84
Operating Cash Flow/Sales			0.18
Free Cash Flow Yield			0.00

Metric
Cash & Equivalents			989.47M
Accounts Receivable			-27.60M
Inventory			4.31M
Goodwill			123.52M
Debt to Capitalization			0.01
Debt to Assets			0.00
Current Ratio			4.74
Quick Ratio			4.06

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue			0.24
R&D to Revenue
SG&A to Revenue			0.75