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Paragon Financial Solutions, Inc. (PGNN)

USD13.49 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address PO Box 2022 38101-2022
Memphis, TN, US
CEO Robert S. Shaw Jr.
IPO 2007-05-01
ISIN US69912S1006

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Description

Paragon Financial Solutions, Inc., operating through its subsidiary Paragon Bank, delivers an extensive range of financial and banking services to individuals, small businesses, and mid-sized enterprises across the United States. The institution provides various deposit accounts, including checking, savings, money market savings, certificates of deposit, and individual retirement accounts. Its comprehensive lending portfolio features commercial loan products such as working capital lines, accounts receivable/inventory credit facilities, equipment financing, commercial vehicle loans, business acquisition funding, letters of credit, SBA/USDA-backed loans, and mortgages for both owner-occupied and investment commercial real estate. Residential mortgage options are also available, encompassing purchase, refinance, conventional, FHA, VA, affordable home, home equity, and specialized medical professional loans. For its private banking clientele, Paragon offers personalized depository and financial management services, alongside tailored credit solutions for special purchases, residential properties, home equity, construction and renovation projects, and vacation or secondary homes. Businesses can also utilize advanced cash management solutions designed to optimize liquidity, prevent fraud, and streamline both payables and receivables. Furthermore, the company assists clients with wealth management, providing access to equities, mutual funds, bonds, and annuity products. A wide array of insurance solutions is also offered, covering property, general liability, group medical plans, long and short-term disability, professional liability, workers' compensation, truckers/cargo, auto, home, umbrella, aviation, and surety bonds, in addition to employee dental, vision, and life insurance. Customers benefit from convenient digital banking services, accessible via mobile, online, phone, and internet platforms. The company also maintains approximately 150 ATM locations within the Memphis metropolitan area. Paragon Financial Solutions, Inc. was established in 2004 and is based in Memphis, Tennessee.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD13.49 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.6K
Beta
0.28
Float Shares
4.46M
Free Float %
98.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.06% +2.85% +5.53% +7.23% +9.88% +8.98% +36.78% +61.82% +29.61% +102.27% +18.67%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
13.49
DCF (Unlevered) 9.51 -29.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.13
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +7.9% Q1'26: -2.5% (vs Q1'25)
  • EPS growth
    +65.4% Q1'26: -2.3% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +17.9% (vs Q1'25)
  • ROIC
    Q1'26: +8.8% (vs Q1'25)
  • Share dilution
    +1.6% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 2.55× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.27) × ERP
WACC = 54% × Ke + 46% × Kd (42.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 9.51 Current price: 13.49
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-27 B+ 3/5 3/5 4/5 3/5 2/5 3/5 3/5
2026-05-22 B+ 3/5 3/5 4/5 3/5 2/5 3/5 3/5
2026-05-21 B+ 3/5 3/5 4/5 3/5 2/5 3/5 3/5
2026-05-20 B+ 3/5 3/5 4/5 3/5 2/5 3/5 3/5
2026-05-19 B+ 3/5 3/5 4/5 3/5 2/5 3/5 3/5
2026-05-15 B+ 3/5 3/5 4/5 3/5 2/5 4/5 3/5
2026-05-14 B+ 3/5 3/5 4/5 3/5 2/5 4/5 3/5
2026-05-11 B+ 3/5 3/5 3/5 3/5 2/5 4/5 4/5
2026-05-06 B+ 3/5 2/5 4/5 3/5 2/5 4/5 4/5
2026-05-04 B+ 3/5 2/5 4/5 3/5 2/5 4/5 4/5
2026-05-01 B+ 3/5 2/5 4/5 3/5 2/5 4/5 4/5
2026-04-30 B+ 3/5 2/5 4/5 3/5 2/5 4/5 4/5
2026-04-27 A- 4/5 3/5 4/5 4/5 2/5 4/5 4/5
2026-04-24 A- 4/5 3/5 4/5 4/5 2/5 4/5 3/5
2026-04-22 A- 4/5 3/5 4/5 4/5 2/5 4/5 4/5
2026-04-21 A- 4/5 3/5 4/5 4/5 2/5 4/5 4/5
2026-04-20 A- 4/5 3/5 4/5 4/5 2/5 4/5 4/5
2026-04-16 A- 4/5 3/5 4/5 4/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.70M
OE per share TTM
0.59
Owner's Yield
4.49%
Maintenance CapEx ratio
22.44%
Maint CapEx / Avg PPE
26.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
166.7K
Shares Outstanding
4.51M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Robert S. Shaw Jr. President, Chief Executive Officer & Director 250.3K male
Andrew H. Taylor Executive VP, Chief Banking Officer and Senior Credit Officer - SBCG & Specialty Lending 152.0K male
Lewis W. Perkins Secretary, Treasurer, Executive VP & Chief Financial Officer male
Tracey Thesmar Controller female
Wayne Littleton Senior Vice President of Private Banking, Manager of Private Banking & President of Germantown male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits