0001193125-21-046502.txt : 20210217 0001193125-21-046502.hdr.sgml : 20210217 20210217161403 ACCESSION NUMBER: 0001193125-21-046502 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20210217 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210217 DATE AS OF CHANGE: 20210217 FILER: COMPANY DATA: COMPANY CONFORMED NAME: MEDALLION FINANCIAL CORP CENTRAL INDEX KEY: 0001000209 STANDARD INDUSTRIAL CLASSIFICATION: FINANCE SERVICES [6199] IRS NUMBER: 043291176 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-37747 FILM NUMBER: 21644908 BUSINESS ADDRESS: STREET 1: 437 MADISON AVE 38 TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10022 BUSINESS PHONE: 2123282153 MAIL ADDRESS: STREET 1: 437 MADISON AVENUE STREET 2: 38TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10022 8-K 1 d144660d8k.htm FORM 8-K Form 8-K
MEDALLION FINANCIAL CORP false 0001000209 0001000209 2021-02-17 2021-02-17 0001000209 us-gaap:CommonStockMember 2021-02-17 2021-02-17 0001000209 us-gaap:SeniorNotesMember 2021-02-17 2021-02-17

 

 

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): February 17, 2021

 

 

MEDALLION FINANCIAL CORP.

(Exact name of registrant as specified in its charter)

 

 

Delaware

(State or other jurisdiction of incorporation)

001-37747

(Commission File Number)

04-3291176

(IRS Employer Identification No.)

437 Madison Avenue

New York, New York 10022

(Address of principal executive offices) (Zip code)

(212) 328-2100

(Registrant’s telephone number, including area code)

 

 

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, par value $0.01 per share

9.000% Senior Notes due 2021

  

MFIN

MFINL

  

NASDAQ Global Select Market

NASDAQ Global Select Market

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.

Medallion Financial Corp. (the “Company”), issued a press release to the news media announcing, among other things, the Company’s results for the quarter and year ended December 31, 2020.

A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. The information in the press release is being furnished, not filed, pursuant to Item 2.02. Accordingly, the information in the press release will not be incorporated by reference into any registration statement filed by the Company under the Securities Act of 1933, as amended, unless specifically identified therein as being incorporated therein by reference.

 

Item 9.01

Financial Statements and Exhibits

(d)    Exhibits

The following exhibits are being filed with this Current Report on Form 8-K:

 

  99.1    Press release, dated February 17, 2021
  104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

 

- 2 -

SIGNATURE

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

Dated: February 17, 2021

 

MEDALLION FINANCIAL CORP.
By:  

/s/ Larry D. Hall

Name:   Larry D. Hall
Title:   Chief Financial Officer

 

- 3 -

EX-99.1 2 d144660dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

 

LOGO

FOR IMMEDIATE RELEASE:

MEDALLION FINANCIAL CORP. REPORTS 2020 FOURTH QUARTER

AND FULL YEAR RESULTS

NEW YORK, NY – February 17, 2021 – Medallion Financial Corp. (NASDAQ: MFIN, “Medallion” or the “Company”), a finance company that originates and services loans in various consumer and commercial niche industries, announced today its 2020 fourth quarter and full year results.

2020 Fourth Quarter Highlights

 

  •  

Net income was $6.5 million, or $0.26 per share, compared to net loss of $0.5 million, or $0.02 per share, in the prior year quarter.

 

  •  

Net interest income was $28.5 million in the quarter, primarily reflecting the contribution of the consumer lending segments, a 7.1% increase from $26.6 million in the prior year quarter.

 

  •  

Net interest margin was 8.89% in the quarter, the highest in 13 years.

 

  •  

Net income from the Company’s consumer and commercial lending segments increased 97% to $14.2 million in the quarter, compared to $7.2 million in the prior year quarter.

 

  •  

Medallion Bank’s Tier 1 leverage ratio at quarter-end was 16.93%.

 

  •  

Total assets were $1.6 billion as of December 31, 2020.

2020 Full Year Highlights

 

  •  

2020 total net loss was $34.8 million compared to a net loss of $1.8 million in 2019.

 

  •  

2020 net interest margin was 8.65% compared to 8.64% in 2019.

 

  •  

2020 net income from Medallion’s consumer and commercial segments was $41.6 million compared to $31.9 million in 2019, a 30% increase.

 

  •  

The recreation and home improvement net loan portfolios grew 10% and 34% from December 31, 2019.

 

  •  

Consumer originations were $488.0 million for the year, up 10% from $443.5 million in 2019.

 

  •  

In 2020, the Company deemed the medallion portfolio to be impaired as a result of the impact of COVID-19 on our borrowers, resulting in all loans being placed on nonaccrual status and adjusted down to collateral value.

 

  •  

Net medallion loans dropped 88% from $105.0 million to $12.7 million at year end.

Andrew Murstein, President of Medallion, stated, “We are pleased with how the Company navigated through the pandemic, as we took the appropriate steps to largely put the medallion portfolio behind us. Medallion Bank as a standalone recorded $14.3 million of net income in the fourth quarter, and $48.0 million in 2020 net income from their recreation and home improvement lending segments, both the highest in the Bank’s history. We stayed the course of tightening our credit and underwriting criteria during the year. Application volumes remained high, and growth continued, while net-charge offs remained low, demonstrating the strength of those portfolios. We look forward to building on the momentum our consumer segments have shown this past year. In addition, we continue to focus on the build-out of our fintech Strategic Partnership Program at Medallion Bank where volume was up in January. We believe we will sign our second partnership in the next 60 days and that this line of business will grow in 2021.”

Alvin Murstein, Chairman and CEO of Medallion, stated, “We received payments from the medallion loans and other assets of $12.8 million in the fourth quarter and recorded $6.7 million of recoveries for the year. We continue to prioritize recoveries as we have significantly reduced our medallion loan exposure year over year.”

Larry Hall, Medallion’s CFO, stated, “In the fourth quarter we lowered our New York City medallion values from $90,300 net to $79,500 net which ultimately contributed to a medallion segment loss of $3.6 million for the quarter. Our net interest margin remained strong in the fourth quarter at 8.89%, as the higher yielding consumer portfolio continues to perform while the medallion loans have been impaired and placed on non-accrual.”

Consumer Lending Segments

The Company’s net consumer lending portfolio was $1.1 billion as of December 31, 2020, compared to $940.0 million at December 31, 2019. Net interest income for the 2020 fourth quarter was $31.8 million, compared to $27.0 million in the 2019 fourth quarter, an 18% increase. The average interest rate on the portfolio was 13.64% at December 31, 2020, compared to 14.54% a year ago. Consumer loan delinquencies 90 days or more past due were $5.5 million, or 0.50% of total gross loans as of December 31, 2020, compared to $6.0 million, or 0.64%, a year ago.

Commercial Lending Segment

The Company’s net commercial lending portfolio was $62.0 million as of December 31, 2020, compared to $66.4 million at December 31, 2019. The average interest rate on the portfolio was 13.39%, compared to 13.63% a year ago. Net income for the fourth quarter was $0.032 million, compared to $0.366 million in the prior year period. The commercial portfolio remains stable and deal flow remains strong. We expect a continued gradual recovery of performance within the overall portfolio as many of its borrowers are now operating at pre-COVID levels.

Medallion Lending Segment

The Company’s net medallion lending portfolio, exclusive of loan collateral in the process of foreclosure, was $12.7 million as of December 31, 2020, compared to $105.0 million at December 31, 2019. The stated average interest rate on the medallion loan portfolio was 3.00%, compared to 4.17% a year ago. Including loan collateral in the process of foreclosure and owned Chicago medallion assets, total medallion exposure comprised 4% of our total assets as of December 31, 2020, compared to 10% at December 31, 2019.

Mr. Hall concluded, “Cash flow from operations increased to $79 million in 2020 from $65 million in 2019, reflecting strong results of our consumer lending segments on our overall operations. With Medallion Bank recording a Tier 1 leverage ratio of 16.93% and holding $218.5 million of capital, the Company is well-positioned for the future.”

Conference Call Information

The Company will be hosting a conference call to discuss the fourth quarter financial results on Thursday, February 18, 2021, at 9:00 a.m. Eastern time.

The dial-in number for the conference call is (877) 407-0789 (toll-free) or (201) 689-8562 (direct). Please dial the number 10 minutes prior to the scheduled start time. A live webcast of the conference call will also be available on Medallion’s website at http://www.medallion.com/investors.html.

A replay will be available following the end of the call through Thursday, February 25, 2021, by telephone at (844) 512-2921 (toll-free) or (412) 317-6671 (direct), passcode 13716524. A webcast replay of the call will be available at http://www.medallion.com/investors.html until the next quarter’s results are announced.

*            *             *

 

2

About Medallion Financial Corp.

Medallion Financial Corp. is a finance company that originates and services loans in various industries, and its wholly-owned subsidiary, Medallion Bank, also originates and services consumer loans. Medallion Financial Corp. has lent more than $9 billion since its initial public offering in 1996.

Please note that this press release contains forward-looking statements that involve risks and uncertainties relating to business performance, cash flow, net interest income and expenses, other expenses, earnings, and growth. These statements are often, but not always, made through the use of words or phrases such as “will” and “continue” or the negative version of those words or other comparable words or phrases of a future or forward-looking nature. These statements relate to future public announcements of our earnings, expectations regarding medallion loan portfolio, the potential for future asset growth and market share opportunities. Medallion’s actual results may differ significantly from the results discussed in such forward-looking statements. For example, statements about the effects of the COVID-19 pandemic on Medallion’s business, operations, financial performance and prospects constitute forward-looking statements and are subject to the risk that the actual impacts may differ, possibly materially, from what is reflected in those forward-looking statements due to factors and future developments that are uncertain, unpredictable and in many cases beyond Medallion’s control, including the scope and duration of the pandemic, actions taken by governmental authorities in response to the pandemic, and the direct and indirect impact of the pandemic on Medallion, its customers and third parties. In addition to risks related to the ongoing COVID-19 pandemic, for a description of certain risks to which Medallion is or may be subject, please refer to the factors discussed under the heading “Risk Factors” in Medallion’s 2019 Annual Report on Form 10-K and Form 10-Q for the quarter ended September 30, 2020.

Company Contact:

Alex E. Arzeno

Investor Relations

212-328-2168

InvestorRelations@medallion.com

 

3

MEDALLION FINANCIAL CORP.
CONSOLIDATED STATEMENTS OF OPERATIONS		  
     For the Three Months Ended
December 31		     For the Year Ended
December 31		  

(Dollars in thousands, except shares and per share data)

    2020     2019     2020     2019  

Total interest income

    $ 36,392     $ 35,864     $ 144,962     $ 132,562  

Total interest expense

     7,932       9,277       34,151       35,045  
  

 

 

    

 

 

    

 

 

    

 

 

  

Net interest income

      28,460       26,587       110,811       97,517  

Provision (benefit) for loan losses

     (3,414 )      10,535       69,817       47,386  
  

 

 

    

 

 

    

 

 

    

 

 

  

Net interest income after provision for loan losses

     31,874       16,052       40,994       50,131  
  

 

 

    

 

 

    

 

 

    

 

 

  

Other income (loss)

         

Sponsorship and race winnings

     4,881       2,734       20,042       18,742  

Writedown of loan collateral in process of foreclosure

     (8,695 )      (177 )      (24,523 )      (4,381 ) 

Gain on extinguishment of debt

      —         —         —         4,145  

Other income (loss)

      642       410       (1,455 )      1,881  
  

 

 

    

 

 

    

 

 

    

 

 

  

Total other income (loss)

      (3,172 )      2,967       (5,936 )      20,387  
  

 

 

    

 

 

    

 

 

    

 

 

  

Other expenses

         

Salaries and employee benefits

     7,456       6,514       28,172       24,971  

Race team related expenses

     1,782       1,785       8,366       8,996  

Professional fees

     1,488       1,441       8,047       7,402  

Loan servicing fees

     1,667       1,402       6,737       5,253  

Collection costs

     1,248       2,049       5,454       6,638  

Other expenses

     4,260       3,752       15,263       14,921  
  

 

 

    

 

 

    

 

 

    

 

 

  

Total other expenses

     17,901       16,943       72,039       68,181  
  

 

 

    

 

 

    

 

 

    

 

 

  

Income before income taxes

      10,801       2,076       (36,981 )      2,337  

Income tax (provision) benefit

      (2,409 )      (2,267 )      10,074       (341 ) 
  

 

 

    

 

 

    

 

 

    

 

 

  

Net income (loss) after income taxes

      8,392       (191 )      (26,907 )      1,996  

Less: income attributable to non-controlling interests

     1,925       274       7,876       3,758  
  

 

 

    

 

 

    

 

 

    

 

 

  

Total net income (loss) attributable to Medallion Financial Corp.

   $ 6,467     $ (465 )    $ (34,783 )    $ (1,762 ) 
  

 

 

    

 

 

    

 

 

    

 

 

  

Basic net income (loss) per share

   $ 0.26     $ (0.02 )    $ (1.42 )    $ (0.07 ) 

Diluted net income (loss) per share

     0.26       (0.02 )      (1.42 )      (0.07 ) 
  

 

 

    

 

 

    

 

 

    

 

 

  

Weighted average common shares outstanding

         

Basic

     24,461,488       24,361,680       24,445,452       24,342,979  

Diluted

     24,461,488       24,361,680       24,445,452       24,342,979  

 

4

MEDALLION FINANCIAL CORP.

CONSOLIDATED BALANCE SHEETS

 

(Dollars in thousands, except shares and per share data)

   December 31, 2020     December 31, 2019  

Assets

     

Cash, cash equivalents and federal funds sold

    $ 112,040     $ 67,821  

Equity investments and investment securities

      56,538       59,077  

Loans

      1,229,838       1,160,855  

Allowance for loan losses

      (57,548 )      (46,093 ) 
  

 

 

    

 

 

  

Net loans receivable

      1,172,290       1,114,762  
  

 

 

    

 

 

  

Loan collateral in process of foreclosure

      54,560       52,711  

Goodwill and intangible assets

      201,893       203,339  

Other assets

      45,090       43,957  
  

 

 

    

 

 

  

Total assets

    $ 1,642,411     $ 1,541,667  
  

 

 

    

 

 

  

Liabilities

     

Accounts payable, accrued expenses, and accrued interest payable

    $ 19,575     $ 20,632  

Deposits

      1,065,398       951,651  

Short-term borrowings

      87,334       38,223  

Deferred tax liabilities and other tax payables

      807       9,341  

Operating lease liabilities

      11,018       12,738  

Long-term debt

      153,718       174,614  
  

 

 

    

 

 

  

Total liabilities

      1,337,850       1,207,199  
  

 

 

    

 

 

  

Commitments and contingencies

    
  

 

 

    

 

 

  

Total stockholders’ equity

      231,408       263,148  
  

 

 

    

 

 

  

Non-controlling interests in consolidated subsidiaries

      73,153       71,320  
  

 

 

    

 

 

  

Total equity

      304,561       334,368  
  

 

 

    

 

 

  

Total liabilities and equity

    $ 1,642,411     $ 1,541,667  
  

 

 

    

 

 

  

Number of shares outstanding

      24,877,628       24,646,559  

Book value per share

    $ 9.30     $ 10.68  
  

 

 

    

 

 

  

 

5

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Document and Entity Information
Feb. 17, 2021
Document And Entity Information [Line Items]  
Entity Registrant Name MEDALLION FINANCIAL CORP
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Entity Central Index Key 0001000209
Document Type 8-K
Document Period End Date Feb. 17, 2021
Entity Incorporation State Country Code DE
Entity File Number 001-37747
Entity Tax Identification Number 04-3291176
Entity Address, Address Line One 437 Madison Avenue
Entity Address, City or Town New York
Entity Address, State or Province NY
Entity Address, Postal Zip Code 10022
City Area Code (212)
Local Phone Number 328-2100
Written Communications false
Soliciting Material false
Pre Commencement Tender Offer false
Pre Commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Common Stock [Member]  
Document And Entity Information [Line Items]  
Security 12b Title Common Stock, par value $0.01 per share
Trading Symbol MFIN
Security Exchange Name NASDAQ
Senior Notes [Member]  
Document And Entity Information [Line Items]  
Security 12b Title 9.000% Senior Notes due 2021
Trading Symbol MFINL
Security Exchange Name NASDAQ
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