0001213900-24-029820.txt : 20240403 0001213900-24-029820.hdr.sgml : 20240403 20240403161514 ACCESSION NUMBER: 0001213900-24-029820 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20240403 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240403 DATE AS OF CHANGE: 20240403 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BM Technologies, Inc. CENTRAL INDEX KEY: 0001725872 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] ORGANIZATION NAME: 02 Finance IRS NUMBER: 823410369 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-38633 FILM NUMBER: 24818882 BUSINESS ADDRESS: STREET 1: 201 KING OF PRUSSIA ROAD STREET 2: SUITE 650 CITY: WAYNE STATE: PA ZIP: 19087 BUSINESS PHONE: (877) 327-9515 MAIL ADDRESS: STREET 1: 201 KING OF PRUSSIA ROAD STREET 2: SUITE 650 CITY: WAYNE STATE: PA ZIP: 19087 FORMER COMPANY: FORMER CONFORMED NAME: Megalith Financial Acquisition Corp DATE OF NAME CHANGE: 20171220 8-K 1 ea0203261-8k_bmtech.htm CURRENT REPORT
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 8-K

 

CURRENT REPORT

 

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

 

Date of Report (Date of earliest event reported): April 3, 2024

 

BM TECHNOLOGIES, INC.

(Exact name of registrant as specified in its charter)

 

Delaware   001-38633   82-3410369
(State or other jurisdiction
of incorporation)		   (Commission File Number)   (IRS Employer
Identification No.)

 

201 King of Prussia Road, Suite 650

Wayne, PA 19087

(Address of principal executive offices, including zip code)

 

Registrant’s telephone number, including area code: (877) 327-9515

 

 

(Former name or former address, if changed since last report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
   
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
   
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
   
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Securities registered pursuant to Section 12(b) of the Act: 

 

Title of each class   Trading Symbol(s)   Name of each exchange on which registered
Common Stock   BMTX   NYSE American LLC
Warrants to purchase Common Stock   BMTX.W   NYSE American LLC

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

 

Emerging growth company ☒

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

 

 

 

 

 

Item 2.02 Results of Operations and Financial Condition.

 

On April 3, 2024, BM Technologies, Inc. (the “Company”) issued a press release announcing its results of operations and financial condition for the fourth quarter and full year ended December 31, 2023. The press release is furnished herewith as Exhibit 99.1 and incorporated by reference herein.

 

The foregoing (including the information presented in Exhibit 99.1) is being furnished pursuant to Item 2.02 and will not be deemed to be filed for purposes of Section 18 of the Exchange Act, or otherwise be subject to the liabilities of that section, nor will it be deemed to be incorporated by reference in any filing under the Securities Act or the Exchange Act.

 

Item 9.01. Financial Statements and Exhibits.

 

(d) Exhibits

 

Exhibit No.   Description
99.1   Press Release dated April 3, 2024 (furnished only).
104   Cover Page Interactive Data File (embedded within the Inline XBRL document)

 

1

 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

  BM Technologies, Inc.
   
Dated: April 3, 2024 By:  /s/ Luvleen Sidhu
    Luvleen Sidhu
    Chief Executive Officer

 

 

2

 

 

 EX-99.1 2 ea020326101ex99-1_bmtech.htm PRESS RELEASE DATED APRIL 3, 2024

Exhibit 99.1

 

BM Technologies, Inc.

 

BM Technologies Reports Fourth Quarter & Full Year 2023 Results

 

Full year 2023 Revenue $55.3 Million

Transfer of Higher Education Deposits to First Carolina Bank (“FCB”) in December Increased
Annualized Interchange Fees by 20 Basis Points

 

Radnor, PA, April 03, 2024 — BM Technologies, Inc. (NYSE American: BMTX) (“BM Technologies”, “BMTX”, “we”, or the “Company”), one of the largest digital banking platforms and Banking-as-a-Service (BaaS) providers in the country, today reported results for the three and twelve months ended December 31, 2023.

 

Luvleen Sidhu, BMTX’s Chair, CEO, and Founder, stated, “In December of 2023, we completed the transfer of the Higher Education customer deposits to our new partner bank FCB. Effective with the transfer, we are earning Durbin-exempt interchange rates on the majority of our serviced deposit account holder’s debit card spend. This transfer is expected to increase our annualized interchange revenue by approximately $4.4 million based on the current level of Higher Education debit card spend of $2.2 billion.”

 

Ms. Sidhu continued, “As we begin 2024, we are better positioned for growth and profitability this year and over the long term. In addition to the transfer of our Higher Education customer deposits to a Durbin-exempt partner bank, the Profit Enhancement Plan (“PEP”) that we began implementing in early 2023 meaningfully reduced 2023 Core Operating Expenses1 by approximately $9.5 million with further savings expected to be realized in 2024. In addition, we estimate that less than 1 in 5 of our Higher Education disbursement services customers convert their refunds to active BankMobile Vibe checking accounts, presenting us with significant untapped potential to grow from an existing customer base. We have made significant investments to upgrade our technology platform positioning us to deepen customer relationships, increase customer lifetime value, and unlock new revenue streams. We are excited about our future and look forward to realizing these growth opportunities in the quarters and years to come.”

 

Financial Highlights

 

●Operating revenues for the three and twelve months ended December 31, 2023 totaled $14.9 million and $55.3 million, respectively.

 

●Q4 2023 net loss totaled $(4.0) million, or $(0.34) per diluted share. Net loss for the twelve months ended December 31, 2023 totaled $(17.3) million or $(1.50) per diluted share which includes a $2.7 million non- cash gain on the revaluation of the private warrant liability.

 

●Q4 2023 Core EBITDA (Loss)1 totaled $(0.8) million, marking the fourth sequential quarter of improved results. Core EBITDA (Loss)1 for the twelve months ended December 31, 2023 totaled $(4.3) million.

 

●Liquidity remained strong at December 31, 2023 with $14.3 million of cash, $5.7 million of working capital, and no debt.

 

 

1Metrics such as Core EBITDA (Loss), Core Earnings (Loss), and Core Operating Expense are non-GAAP measures which exclude certain items from or add certain items to the comparable GAAP measure; a reconciliation appears on pages 8 and 9 of this release.

 

 

 

 

Operating Highlights

 

●Average serviced deposits totaled $805 million and ending serviced deposits totaled $674 million at December 31, 2023.

 

●Debit card spend totaled $714 million in Q4 2023 and $2.9 billion in the twelve months ended December 31, 2023.

 

●There were approximately 100 thousand new account sign-ups in the fourth quarter 2023 and over 500 thousand new account sign-ups for the twelve months of 2023.

 

●Higher Education Organic Deposits (deposits that are not part of a school disbursement and are indicative of primary banking behavior) for the three and twelve months ended December 31, 2023 totaled $390 million and $1.7 billion, respectively.

 

●PEP initiatives reduced Core Operating Expenses1 by approximately $9.5 million in 2023 compared to 2022.

 

Financial Summary Table 

 

   Q4   Q3   Q2   Q1   Q4   Twelve Months Ended
December 31,		   Year Over
Year Change		 
(dollars in thousands)  2023   2023   2023   2023   2022   2023   2022   $   % 
Interchange and card revenue  $2,731   $2,292   $1,458   $2,966   $5,035   $9,447   $22,318   $(12,871)   (58)%
Servicing fees   8,470    8,658    7,700    6,632    6,931    31,460    44,581    (13,121)   (29)%
Account fees   2,118    1,931    1,910    2,140    2,120    8,099    8,992    (893)   (10)%
University fees   1,410    1,412    1,373    1,506    1,328    5,701    5,734    (33)   (1)%
Other revenue   130    88    200    127    270    545    1,972    (1,427)   (72)%
Total GAAP Operating Revenue  $14,859   $14,381   $12,641   $13,371   $15,684   $55,252   $83,597   $(28,345)   (34)%
                                              
GAAP Operating Expense  $19,038   $18,766   $17,682   $19,746   $23,254   $75,232   $92,853   $(17,621)   (19)%
Less: restructuring, merger and acquisition related expenses   56    —    (274)   (719)   —    (937)   (290)   (647)   223%
Less: impairment of developed software   (620)   —    —    —    —    (620)   —    (620)   (100)%
Less: share-based compensation expense   (365)   (176)   (723)   (635)   (2,641)   (1,899)   (11,356)   9,457    (83)%
Less: depreciation and amortization   (2,488)   (3,420)   (3,138)   (3,130)   (3,004)   (12,176)   (12,102)   (74)   1%
Total Core Operating Expense  $15,621   $15,170   $13,547   $15,262   $17,609   $59,600   $69,105   $(9,505)   (14)%
                                              
Core EBITDA (Loss)  $(762)  $(789)  $(906)  $(1,891)  $(1,925)  $(4,348)  $14,492   $(18,840)   (130)%
Core EBITDA (Loss) Margin   (5)%   (5)%   (7)%   (14)%   (12)%   (8)%   17%          

  

2

 

  

Business Update

 

Partner Bank Transition

 

The transfer of Higher Education customer deposits to FCB on December 1, 2023 resulted in an approximate 20 basis point increase in the interchange fees earned by the Company on Higher Education vertical spend for the month of December. For the twelve months ending December 31, 2023, Higher Education vertical spend totaled approximately $2.2 billion. Had a Durbin-exempt bank partnership been in place during the full year of 2023, the interchange revenue for the Higher Education vertical would have been approximately $4.0 million higher.

 

Higher Education Vertical

 

For the full year 2023, the Company retained 99% of its Higher Education institutional clients and disbursed $11.4 billion in refunds to students. The Company signed 10 new colleges and universities in 2023, providing 112,000 additional students access to BankMobile Disbursements and the BankMobile Vibe checking account. This compares favorably to the 60,000 additional students added in 2022 under 11 signed agreements.

 

During the fourth quarter of 2023, the Company disbursed over $2.0 billion in refunds to students. Of the $2.0 billion, approximately 14%, or $282 million, was disbursed into BankMobile Vibe checking accounts. We continue to see higher education student enrollment numbers rebound, post pandemic, in the community college segment which is increasing application flow and customer acquisition opportunities.

 

Higher Education average serviced deposits and ending serviced deposits totaled $479 million and $361 million, respectively, at December 31, 2023. Debit card point of sale spend remained strong increasing by 5% during Q4 2023 as compared to Q4 2022 and holding flat for the twelve months ending December 31, 2023 as compared to the prior year. Deposits and spend per 90-day active account during the fourth quarter of 2023 were $1,710 and $1,947, respectively. For the full year 2023, deposits and spend per 90-day active account were $1,785 and $8,341, respectively.

 

BaaS Vertical

 

Annualized debit card spend for highly active BaaS users (those with both direct deposit and a minimum of five customer driven transactions per month) was $19,100, and the average deposit balance per account was $1,726 at December 31, 2023. This very attractive cohort makes up approximately 22% of active accounts at December 31, 2023, as compared to 20% in the year-ago period.

 

BaaS average serviced deposits and ending serviced deposits totaled $326 million and $313 million, respectively, at December 31, 2023 and debit card point of sale spend during 2023 increased 7% from the prior year.

 

Profit Enhancement Plan (PEP)

 

The Company continues to actively execute upon its PEP, with initiatives completed during 2023 that reduced Core Operating Expenses1 by approximately $9.5 million. We expect further cost savings from this initiative in 2024.

 

Growth Initiatives and Outlook

 

The Company anticipates revenue growth in 2024 driven by investments in the Higher Education vertical and the full year effect of Durbin-exempt interchange rates on the majority of serviced deposit account holder’s debit card spend. The Company also expects a return to positive Core EBITDA1 in 2024 based on these higher revenues and stricter cost controls implemented as part of the Company’s PEP.

 

3

 

 

Technology Initiatives and Outlook

 

Jamie Donahue, President and Chief Technology Officer stated, “The Company is actively executing on its technology transformation plan to accelerate growth opportunities and enhance the competitive advantage that already exists in our unique position in the higher education market. We have rewritten and unified our platform infrastructure to seamlessly power both our student disbursement and BaaS experiences going forward. This investment in modernization will reduce operational costs and fraud risk, accelerate new feature integration velocity, and unlock new partnership opportunities.”

 

Mr. Donahue continued, “We believe that the roll out of additional product and service enhancements, along with closer relationships with college and university clients, will increase engagement and positively contribute to the success of our customer-for-life strategy.”

 

Earnings Webcast

 

The Company will host a conference call and webcast on Wednesday, April 3, 2024, at 5:00 pm ET to discuss its fourth quarter and full year 2023 results. The webcast can be accessed via the Company’s investor relations site (ir.bmtxinc.com) by clicking on “Events & Presentations”, then “Events Calendar,” and following the link under “Upcoming Events;” or directly at 4Q23 Webcast Link. A replay will be available following the call.

 

Contact Information

 

Investors:

 

Jim Dullinger, Chief Financial Officer BM Technologies, Inc. jdullinger@bmtx.com

 

Media Inquiries:

 

Brigit Hennaman

Rubenstein Public Relations, Inc. bhennaman@rubensteinpr.com

 

About BM Technologies, Inc.

 

BM Technologies, Inc. (NYSE American: BMTX) - formerly known as BankMobile - is among the largest digital banking platforms and Banking-as-a-Service (BaaS) providers in the country, providing access to checking and savings accounts and financial wellness. It is focused on technology, innovation, easy-to-use products, and education with the mission to financially empower millions of Americans by providing a more affordable, transparent, and consumer-friendly banking experience. BM Technologies, Inc. (BMTX) is a technology company and is not a bank, which means it provides banking services through its partner banks. More information can be found at www.bmtx.com.

 

4

 

 

Forward Looking Statements

 

This press release contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 that involve risks and uncertainty. In general, forward-looking statements may be identified through the use of words such as “anticipate,” “believe”, “estimate,” “expect,” “intend,” “plan,” “will,” “should,” “plan,” “continue,” “potential” and “project” or the negative of these terms or other similar words and expressions, and in this press release, include the expected margin improvement on Durbin-exempt interchange fees, achievement of the PEP target as a result of the expected cost savings from the PEP, and the expected growth outlook and results from operations during 2024. Forward-looking statements are not guarantees of future results and conditions, but rather are subject to various risks and uncertainties. Such statements are based on Management’s current expectations and are subject to a number of risks and uncertainties that could cause actual results to differ materially from those described in the forward-looking statements. Investors are cautioned that there can be no assurance actual results or business conditions will not differ materially from those projected or suggested in such forward-looking statements as a result of various factors.

 

These risks and uncertainties include, but are not limited to, general economic conditions, consumer adoption, technology and competition, continuing interest rate volatility, the ability to enter into new partnerships, regulatory risks, risks associated with the higher education industry and financing, and the operations and performance of the Company’s partners, including bank partners, higher education partners, and BaaS partners. Further information regarding additional factors which could affect the forward-looking statements contained in this press release can be found in the cautionary language included under the headings “CAUTIONARY NOTE REGARDING FORWARD- LOOKING STATEMENTS” and “Risk Factors” in the Company’s Annual Report on Form 10-K and other documents filed with the Securities and Exchange Commission (“SEC”). The Company’s SEC filings are available publicly on the SEC website at www.sec.gov.

 

Many of these factors are beyond the Company’s ability to control or predict. If one or more events related to these or other risks or uncertainties materialize, or if the underlying assumptions prove to be incorrect, actual results may differ materially from the forward-looking statements. Accordingly, shareholders and investors should not place undue reliance on any such forward-looking statements. Any forward-looking statement speaks only as of the date of this communication, and BMTX undertakes no obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, unless required by law. BMTX qualifies all forward-looking statements by these cautionary statements.

 

5

 

 

UNAUDITED FINANCIAL STATEMENTS

BM TECHNOLOGIES, INC.

CONSOLIDATED STATEMENTS OF (LOSS) INCOME - UNAUDITED

(amounts in thousands, except per share data)

 

   Q4   Q3   Q2   Q1   Q4  

Twelve Months

Ended December 31,

 
   2023   2023   2023   2023   2022   2023   2022 
Operating revenues:                            
Interchange and card revenue  $2,731   $2,292   $1,458   $2,966   $5,035   $9,447   $22,318 
Servicing fees   8,470    8,658    7,700    6,632    6,931    31,460    44,581 
Account fees   2,118    1,931    1,910    2,140    2,120    8,099    8,992 
University fees   1,410    1,412    1,373    1,506    1,328    5,701    5,734 
Other revenue   130    88    200    127    270    545    1,972 
Total operating revenues   14,859    14,381    12,641    13,371    15,684    55,252    83,597 
Operating expenses:                                   
Technology, communication, and processing   6,826    7,826    6,018    7,105    7,230    27,775    29,176 
Salaries and employee benefits   5,152    4,773    6,139    6,425    9,231    22,489    39,926 
Professional services   3,331    2,948    2,338    2,640    3,501    11,257    10,747 
Provision for operating losses   2,683    2,138    1,813    1,677    1,793    8,311    6,798 
Occupancy   2    9    10    14    187    35    1,022 
Customer related supplies   234    227    222    228    218    911    894 
Advertising and promotion   108    128    125    118    302    479    741 
Restructuring, merger and acquisition related expenses   (56)   —    274    719    —    937    290 
Other expense   758    717    743    820    792    3,038    3,259 
Total operating expenses   19,038    18,766    17,682    19,746    23,254    75,232    92,853 
Loss from operations   (4,179)   (4,385)   (5,041)   (6,375)   (7,570)   (19,980)   (9,256)
Non-operating income and expense:                                   
Gain on fair value of private warrant liability   216    433    595    1,421    1,151    2,665    8,066 
Loss before income tax   (3,963)   (3,952)   (4,446)   (4,954)   (6,419)   (17,315)   (1,190)
Income tax expense (benefit)   —    —    10    6    (2,234)   16    (411)
Net loss  $(3,963)  $(3,952)  $(4,456)  $(4,960)  $(4,185)  $(17,331)  $(779)
                                    
Weighted average number of shares outstanding - basic   11,574    11,570    11,563    11,602    11,942    11,574    11,942 
Weighted average number of shares outstanding - diluted   11,574    11,570    11,563    11,602    11,942    11,574    11,942 
                                    
Basic loss per common share  $(0.34)  $(0.34)  $(0.39)  $(0.43)  $(0.35)  $(1.50)  $(0.07)
Diluted loss per common share  $(0.34)  $(0.34)  $(0.39)  $(0.43)  $(0.35)  $(1.50)  $(0.07)

 

6

 

BM TECHNOLOGIES, INC.

CONSOLIDATED BALANCE SHEETS — UNAUDITED

(amounts in thousands)

 

  

December 31,

  

September 30,

   June 30,   March 31,  

December 31,

 
   2023   2023   2023   2023   2022 
ASSETS                    
Cash and cash equivalents  $14,288   $8,802   $11,524   $10,931   $21,108 
Accounts receivable, net allowance for doubtful accounts   9,128    8,511    7,083    7,144    8,260 
Prepaid expenses and other assets   5,148    6,088    10,742    10,465    9,076 
Total current assets   28,564    23,401    29,349    28,540    38,444 
Premises and equipment, net   535    534    531    530    508 
Developed software, net   16,173    17,668    19,759    20,631    22,324 
Goodwill   5,259    5,259    5,259    5,259    5,259 
Other intangibles, net   4,109    4,189    4,269    4,349    4,429 
Other assets   —    —    —    —    72 
Total assets  $54,640   $51,051   $59,167   $59,309   $71,036 
LIABILITIES AND SHAREHOLDERS’ EQUITY                         
Liabilities:                         
Accounts payable and accrued liabilities  $10,577   $12,513   $11,624   $13,314   $12,684 
Deferred revenue, current   12,322    3,440    8,209    2,653    6,647 
Total current liabilities   22,899    15,953    19,833    15,967    19,331 
Non-current liabilities:                         
Deferred revenue, non-current   127    —    —    —    — 
Liability for private warrants   162    378    811    1,406    2,847 
Other non-current liabilities   480    480    480    —    — 
Total liabilities  $23,668   $16,811   $21,124   $17,373   $22,178 
Commitments and contingencies                         
Shareholders’ equity:                         
Preferred stock  $—   $—   $—   $—   $— 
Common stock   1    1    1    1    1 
Additional paid-in capital   71,787    71,092    70,943    70,380    72,342 
Accumulated deficit   (40,816)   (36,853)   (32,901)   (28,445)   (23,485)
Total shareholders’ equity  $30,972   $34,240   $38,043   $41,936   $48,858 
Total liabilities and shareholders’ equity  $54,640   $51,051   $59,167   $59,309   $71,036 

 

7

 

 

NON-GAAP FINANCIAL RECONCILIATIONS - UNAUDITED

 

Certain financial measures used in this Press Release are not defined by U.S. generally accepted accounting principles (“GAAP”), and as such, are considered non-GAAP financial measures. Core expenses and EBITDA exclude the effects of items the Company does not consider indicative of its core operating performance, including restructuring, merger and acquisition related expenses, fair value mark to market income or expense associated with certain warrants, impairment of developed software, and non-cash share-based compensation. Management believes the use of core revenues, expenses, and EBITDA are appropriate to provide investors with an additional tool to evaluate the Company’s ongoing business performance. Investors are cautioned that these non-GAAP financial measures may not be defined in the same manner by other companies and, as a result, may not be comparable to other similarly titled measures used by other companies. Also, these non-GAAP financial measures should not be construed as alternatives, or superior, to other measures determined in accordance with GAAP.

 

Reconciliation - GAAP Operating Expenses to Core Operating Expenses (in thousands)

 

   Q4   Q3   Q2   Q1   Q4  

Twelve Months Ended
December 31,

 
   2023   2023   2023   2023   2022   2023   2022 
GAAP total expenses  $19,038   $18,766   $17,682   $19,746   $23,254   $75,232   $92,853 
Less: restructuring, merger and acquisition related expenses   56    —    (274)   (719)   —    (937)   (290)
Impairment of developed software   (620)   —    —    —    —    (620)   — 
Less: share-based compensation expense   (365)   (176)   (723)   (635)   (2,641)   (1,899)   (11,356)
Core Operating Expenses inc Dep and Amort  $18,109   $18,590   $16,685   $18,392   $20,613   $71,776   $81,207 
Less: depreciation and amortization   2,488    3,420    3,138    3,130    3,004    12,176    12,102 
Core Operating Expenses ex. Dep and Amort  $15,621   $15,170   $13,547   $15,262   $17,609   $59,600   $69,105 

 

Reconciliation - GAAP Net Loss to Core Net (Loss) Income (in thousands, except per share data)

 

   Q4   Q3   Q2   Q1   Q4  

Twelve Months Ended
December 31,

 
   2023   2023   2023   2023   2022   2023   2022 
GAAP net loss  $(3,963)  $(3,952)  $(4,456)  $(4,960)  $(4,185)  $(17,331)  $(779)
Add: gain on fair value of private warrant   (216)   (433)   (595)   (1,421)   (1,151)   (2,665)   (8,066)
Add: restructuring, merger and acquisition related expenses   (56)   —    274    719    —    937    290 
Add: impairment of developed software   620    —    —    —    —    620    — 
Add: share-based compensation expense   365    176    723    635    2,641    1,899    11,356 
Less: tax (@ actual ETR) on taxable non-core items   —    —    —    1    —    1    (100)
Core net (loss) income  $(3,250)  $(4,209)  $(4,054)  $(5,025)  $(2,695)  $(16,539)  $2,701 
Core diluted shares   11,574    11,570    11,563    11,602    11,942    11,574    11,942 
Core diluted (loss) earnings per common share  $(0.28)  $(0.36)  $(0.35)  $(0.43)  $(0.23)  $(1.43)  $0.23 
GAAP diluted (loss) earnings per common share  $(0.34)  $(0.34)  $(0.39)  $(0.43)  $(0.35)  $(1.50)  $(0.07)

 

8

 

 

Reconciliation - GAAP Net Loss to Core EBITDA (Loss) (in thousands)

 

   Q4   Q3   Q2   Q1   Q4  

Twelve Months Ended
December 31,

 
   2023   2023   2023   2023   2022   2023   2022 
GAAP net loss  $(3,963)  $(3,952)  $(4,456)  $(4,960)  $(4,185)  $(17,331)  $(779)
Add: gain on fair value of private warrant liability   (216)   (433)   (595)   (1,421)   (1,151)   (2,665)   (8,066)
Add: income tax expense (benefit)   —    —    10    6    (2,234)   16    (411)
Add: restructuring, merger and acquisition related expenses   (56)   —    274    719    —    937    290 
Add: impairment of developed software   620    —    —    —    —    620    — 
Add: share-based compensation expense   365    176    723    635    2,641    1,899    11,356 
Add: depreciation and amortization   2,488    3,420    3,138    3,130    3,004    12,176    12,102 
Core EBITDA (Loss)  $(762)  $(789)  $(906)  $(1,891)  $(1,925)  $(4,348)  $14,492 

 

9

 

 

Key Performance Metrics

 

   Q4   Q3   Q2   Q1   Q4  

Twelve Months Ended
December 31,

  

Year Over
Year Change

 
   2023   2023   2023   2023   2022   2023   2022   $   % 
Debit card POS spend ($ millions)                    
Higher education  $545   $567   $490   $616   $517   $2,218   $2,231   $(13)   (1)%
BaaS   168    171    168    171    162    678    631    47    7%
Total POS spend  $714   $737   $658   $787   $679   $2,896   $2,862   $34    1%
                                              
Serviced deposits ($ millions)                                             
Higher education  $361   $636   $408   $507   $369   $361   $369   $(8)   (2)%
BaaS   313    357    439    575    765    313    765    (452)   (59)%
Total Ending Deposits  $674   $994   $848   $1,082   $1,134   $674   $1,134   $(460)   (41)%
                                              
Higher education  $479   $466   $429   $524   $483   $475   $533   $(58)   (11)%
BaaS   326    387    494    655    874    466    1,239    (773)   (62)%
Total Average Deposits  $805   $853   $922   $1,179   $1,357   $941   $1,772   $(831)   (47)%
                                              
Higher Education Metrics                                             
Higher education retention   99%   99%   98%   98%   98%   99%   99%          
FAR(1) disbursement amount ($B)  $2.0   $3.6   $1.8   $4.0   $1.9   $11.4   $12.2   $(0.8)   (7)%
Organic deposits(2) ($M)  $390   $411   $400   $485   $398   $1,686   $1,734   $(48)   (3)%

 

(1)FAR disbursements are Financial Aid Refund disbursements from a higher education institution.
(2)Organic Deposits are all deposits excluding any funds disbursed directly from the school.

 

 

10

 

 

 

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Document Period End Date Apr. 03, 2024
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Entity Address, Address Line One 201 King of Prussia Road
Entity Address, Address Line Two Suite 650
Entity Address, City or Town Wayne
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Trading Symbol BMTX
Security Exchange Name NYSEAMER
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Title of 12(b) Security Warrants to purchase Common Stock
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Security Exchange Name NYSEAMER
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