Crossroads Bank provides financial services including personal and business banking, loans, mortgages, and insurance. Self-described as a partner in building a strong and resilient community.

Crossroads Bank

Q2 Holdings, Inc. provides cloud-based digital banking solutions to regional and community financial institutions (RCFIs) in the United States. The company offers Q2 Consumer Banking, a browser-based digital banking solution and comprehensive financial institution branded digital banking capabilities; Q2 Small Business and Commercial, a mobile and tablet digital banking solution; Q2mobile Remote Deposit Capture, a partnered solution that allows remote check deposit capture. It also provides Q2 Sentinel, a security analytics solution; Q2 Patrol, an event-driven validation product; Q2 SMART, a targeting and messaging platform; and Q2 CardSwap that allows account holders receiving newly issued cards to automatically change their payment information. In addition, the company offers Q2 Gro, a digital account opening, and digital sales and marketing platform; Q2 Biller Direct, a bill payment solution; ClickSWITCH allows financial institutions to direct deposits to the end user. Centrix Dispute Tracking System, an electronic transaction dispute management solution; Centrix Payments I.Q. System, an ACH file monitoring and risk reporting solution; Centrix Exact/Transaction Management System, a fraud prevention tool; and Q2 Caliper Software Development Kit. Futher, it provides Q2 Contextual PFM, which allows end users to add external accounts and view them together with internal accounts on digital banking home page; Q2 Goals that enables end users to establish and save towards specific savings goals; Q2 Cloud Lending, a digital lending and leasing platform; PrecisionLender platform, a cloud-based, data-driven sales enablement, pricing, and portfolio management solution; and Q2 BaaS, a portfolio of open API financial services. The company was formerly known as CBG Holdings, Inc. and changed its name to Q2 Holdings, Inc. in March 2013. Q2 Holdings, Inc. was founded in 2004 and is headquartered in Austin, Texas.

Metric
Company Name	Crossroads Bank	Q2 Holdings, Inc.
Symbol		QTWO
MSH ID	COM:CROSSROADSBANKING	COM:Q2
Market	PRIVATE	STOCKS
Sector	Financial Services & Finance	Technology
Industry	Banking	Software - Application
Country	US	US
Stage
Employee Count		2.31K
Website	crossroadsbanking.com	q2.com
LinkedIn
Founders

Metric
Market Cap		3.65B
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue		624.62M
Revenue (LTM)
Revenue (NTM)
Gross Profit		302.65M
EBITDA		6.75M
Operating Income		-86.06M
Net Income		-65.38M
EPS		-1.12
Diluted EPS		-1.12
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		0.49
Operating Profit Margin		-0.10
EBITDA Margin		0.01
Net Profit Margin		-0.10
Return on Equity		-0.15
Return on Assets		-0.05
Return on Capital Employed		-0.06

COM:CROSSROADSBANKING

Crossroads Bank

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		-30.11
P/B Ratio		5.44
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio		7.57
EV Multiple		1.09K

Metric
Days Sales Outstanding		33.14
Days Payables Outstanding		17.15
Days Inventory Outstanding		45.62
Operating Cycle		76.06
Cash Conversion Cycle		54.12
Asset Turnover		0.52

Metric
Operating Cash Flow		70.29M
Free Cash Flow		39.65M
Cash Flow to Debt		0.20
Operating Cash Flow/Sales		0.16
Free Cash Flow Yield		0.02

Metric
Cash & Equivalents		229.66M
Accounts Receivable		4.09M
Inventory		40.24M
Goodwill		512.87M
Debt to Capitalization		0.55
Debt to Assets		0.46
Current Ratio		2.25
Quick Ratio		2.44

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue		0.12
R&D to Revenue		0.23
SG&A to Revenue		0.19