BM Technologies (BMTX) Stock Price, News & Analysis

Company Overview

BM Technologies, Inc. (NYSE: BMTX) is a U.S.-based financial technology company focused on delivering a mobile-first banking experience. Through its proprietary digital banking platform, the company provides FDIC-insured consumer deposit accounts with no minimum balance requirements or monthly fees. BM Technologies leverages cloud-native infrastructure and modern APIs to streamline account opening, payments, and money management directly through its mobile application.

The company’s suite of products includes a high-yield checking account, a companion savings product, and a contactless Visa debit card. Account holders benefit from features such as real-time transaction alerts, automated round-ups for saving, peer-to-peer payments, and integrated budgeting tools. BM Technologies partners with established banking institutions to underwrite deposits and ensure regulatory compliance, while maintaining full control over the user interface and digital experience.

Founded in 2017 and headquartered in Houston, Texas, BM Technologies has grown its platform by collaborating with industry leaders in core banking technology. Early in its development, the company selected Technisys as its core banking provider, enabling rapid product rollout and scalability. BM Technologies has also established partnerships with Evolve Bank & Trust and other chartered banks to power its deposit products and safeguard customer assets under federal insurance.

Under the leadership of founder and CEO Eduardo Vélez, BM Technologies has assembled a management team with deep expertise in financial services, technology and regulatory affairs. The company’s senior executives bring backgrounds from both legacy banks and fintech startups, positioning BM Technologies to address the evolving needs of digitally savvy consumers. While the platform initially focused on key U.S. markets, the firm continues to explore strategic opportunities for national expansion and product innovation within the digital banking space.

Key Stats

• Today's Range: $4.99 to $5.16
• 50-Day Range: $5.00 to $5.00
• 52-Week Range: $2.06 to $5.16
• Volume: 128,528 shs
• Average Volume: 169,874 shs
• Market Capitalization: $60.50 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $5.40
• Consensus Rating: Hold

BM Technologies Stock Analysis - MarketRank™

BM Technologies scored higher than 1% of companies evaluated by MarketBeat, and ranked 935th out of 935 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

BM Technologies has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

BM Technologies has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 0.0 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of BM Technologies is -4.50, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of BM Technologies is -4.50, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

BM Technologies has a P/B Ratio of 1.94. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for BMTX.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

BM Technologies does not currently pay a dividend.

Dividend Growth

BM Technologies does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Short Interest

There is no current short interest data available for BMTX.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

Search Interest

1 people have searched for BMTX on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, BM Technologies insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 8.40% of the stock of BM Technologies is held by insiders.

Percentage Held by Institutions

Only 20.15% of the stock of BM Technologies is held by institutions.

BMTX Stock Analysis - Frequently Asked Questions

How were BM Technologies' earnings last quarter?

BM Technologies, Inc. (NYSE:BMTX) released its quarterly earnings results on Monday, November, 20th. The company reported ($0.34) earnings per share for the quarter, missing the consensus estimate of ($0.26) by $0.08. The company earned $14.74 million during the quarter, compared to analyst estimates of $12.52 million. BM Technologies had a negative net margin of 22.62% and a negative trailing twelve-month return on equity of 47.64%.

What other stocks do shareholders of BM Technologies own?

Based on aggregate information from My MarketBeat watchlists, some other companies that BM Technologies investors own include CrowdStrike (CRWD), Netflix (NFLX), Advanced Micro Devices (AMD), Arista Networks (ANET), Cadence Design Systems (CDNS), Axon Enterprise (AXON) and PayPal (PYPL).

Company Calendar

• Last Earnings: 11/20/2023
• Today: 7/15/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NYSE:BMTX
• CIK: 1725872
• Web: www.bankmobile.com
• Phone: (877) 327-9515
• Fax: N/A
• Employees: 280
• Year Founded: N/A

Price Target and Rating

• Average Price Target for BM Technologies: $5.40
• High Price Target: $5.40
• Low Price Target: $5.40
• Potential Upside/Downside: +8.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): ($1.11)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$17.33 million
• Net Margins: -22.62%
• Pretax Margin: -22.58%
• Return on Equity: -47.64%
• Return on Assets: -26.42%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.83
• Quick Ratio: 0.83

Sales & Book Value

• Annual Sales: $55.25 million
• Price / Sales: 1.10
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $2.58 per share
• Price / Book: 1.94

Miscellaneous

• Outstanding Shares: 12,100,000
• Free Float: 11,083,000
• Market Cap: $60.50 million
• Optionable: Optionable
• Beta: 0.17