Paragon Financial Solutions Inc
Paragon Financial Solutions, Inc., through its subsidiary, Paragon Bank, provides various banking products and services to individuals, and small and mid-sized businesses in the United States. It offers deposit products, including checking accounts, savings accounts, money market savings accounts, certificates of deposit, and IRAs. The company also provides commercial loan products comprising wor… Read more
Paragon Financial Solutions Inc (PGNN) - Net Assets
Latest net assets as of December 2025: $69.28 Million USD
Based on the latest financial reports, Paragon Financial Solutions Inc (PGNN) has net assets worth $69.28 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($888.45 Million) and total liabilities ($819.18 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $69.28 Million |
| % of Total Assets | 7.8% |
| Annual Growth Rate | 6.94% |
| 5-Year Change | 37.53% |
| 10-Year Change | 132.6% |
| Growth Volatility | 17.16 |
Paragon Financial Solutions Inc - Net Assets Trend (2005–2025)
This chart illustrates how Paragon Financial Solutions Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Paragon Financial Solutions Inc (2005–2025)
The table below shows the annual net assets of Paragon Financial Solutions Inc from 2005 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $69.28 Million | +16.49% |
| 2024-12-31 | $59.47 Million | +10.31% |
| 2023-12-31 | $53.92 Million | +9.14% |
| 2022-12-31 | $49.40 Million | -1.93% |
| 2021-12-31 | $50.37 Million | +2.11% |
| 2020-12-31 | $49.33 Million | +5.13% |
| 2019-12-31 | $46.93 Million | +12.06% |
| 2018-12-31 | $41.87 Million | +8.96% |
| 2017-12-31 | $38.43 Million | +29.03% |
| 2007-12-31 | $29.78 Million | +1.49% |
| 2006-12-31 | $29.35 Million | +62.09% |
| 2005-12-31 | $18.11 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Paragon Financial Solutions Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 446828000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | $69.28 Million | 100.00% |
| Total Equity | $69.28 Million | 100.00% |
Paragon Financial Solutions Inc Competitors by Market Cap
The table below lists competitors of Paragon Financial Solutions Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
PTL LTD Ordinary Shares
NASDAQ:PTLE
|
$29.29 Million |
|
Al-Salam Real Estate Investment Trust
KLSE:5269
|
$29.29 Million |
|
Rabbit Holdings PCL
BK:RABBIT
|
$29.29 Million |
|
Casino Guichard Perrachon SA
PA:CO
|
$29.30 Million |
|
Lottery.com, Inc. Common Stock
NASDAQ:LTRY
|
$29.29 Million |
|
ELES SEMICO.EQUIPM. S.P.A
F:1EP
|
$29.28 Million |
|
Micro-X Limited
PINK:MCRXF
|
$29.28 Million |
|
Maan Aluminium Limited
NSE:MAANALU
|
$29.27 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Paragon Financial Solutions Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 59,472,929 to 69,278,223, a change of 9,805,294 (16.5%).
- Net income of 7,815,613 contributed positively to equity growth.
- Other comprehensive income increased equity by 3,692,177.
- Other factors decreased equity by 1,702,496.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $7.82 Million | +11.28% |
| Other Comprehensive Income | $3.69 Million | +5.33% |
| Other Changes | $-1.70 Million | -2.46% |
| Total Change | $- | 16.49% |
Book Value vs Market Value Analysis
This analysis compares Paragon Financial Solutions Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.60x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.11x to 0.60x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-12-31 | $8.22 | $9.12 | x |
| 2006-12-31 | $10.66 | $9.12 | x |
| 2007-12-31 | $8.97 | $9.12 | x |
| 2017-12-31 | $8.49 | $9.12 | x |
| 2018-12-31 | $8.99 | $9.12 | x |
| 2019-12-31 | $10.00 | $9.12 | x |
| 2020-12-31 | $10.59 | $9.12 | x |
| 2021-12-31 | $11.26 | $9.12 | x |
| 2022-12-31 | $11.23 | $9.12 | x |
| 2023-12-31 | $12.18 | $9.12 | x |
| 2024-12-31 | $13.29 | $9.12 | x |
| 2025-12-31 | $15.25 | $9.12 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Paragon Financial Solutions Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.28%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.41%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 12.82x
- Recent ROE (11.28%) is above the historical average (3.58%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | -19.58% | -74.25% | 0.03x | 8.41x | $-5.36 Million |
| 2006 | -3.51% | -7.45% | 0.06x | 7.97x | $-3.96 Million |
| 2007 | -1.92% | -2.88% | 0.06x | 10.57x | $-3.55 Million |
| 2017 | 5.49% | 10.40% | 0.05x | 9.80x | $-1.73 Million |
| 2018 | 7.51% | 14.24% | 0.05x | 9.59x | $-1.04 Million |
| 2019 | 6.79% | 14.13% | 0.06x | 8.65x | $-1.50 Million |
| 2020 | 5.59% | 12.84% | 0.04x | 9.81x | $-2.18 Million |
| 2021 | 8.09% | 18.33% | 0.04x | 10.70x | $-962.30K |
| 2022 | 7.97% | 14.84% | 0.04x | 13.23x | $-1.00 Million |
| 2023 | 7.31% | 9.46% | 0.06x | 13.94x | $-1.45 Million |
| 2024 | 7.90% | 8.70% | 0.06x | 14.69x | $-1.25 Million |
| 2025 | 11.28% | 13.41% | 0.07x | 12.82x | $887.79K |
Industry Comparison
This section compares Paragon Financial Solutions Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Paragon Financial Solutions Inc (PGNN) | $69.28 Million | -19.58% | 11.82x | $29.29 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |