FRNT Financial, Inc. (FRNT) AI Stock Analysis

• Market Cap: C$9.36M
• Dividend Yield: N/A
• Average Volume (3M): 29.20K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.36
• Revenue Growth: -51.53%
• EPS Growth: 3.62%
• Country: CA
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): N/A
• Shares Outstanding: 42,545,902
• 10 Day Avg. Volume: 36,850
• 30 Day Avg. Volume: 29,199
• PEG Ratio: 0.00
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 44 Neutral
• Price Target: C$0.24 ▲(10.45% Upside)

The score is held down primarily by weak financial performance: persistent large losses, extremely negative margins, and ongoing free cash flow burn. Technicals are mixed with a modest near-term lift but a still-weak longer-term trend, while valuation is constrained by a negative P/E and no dividend yield provided.

Positive Factors

Low Debt Levels

A low debt-to-equity ratio indicates conservative financial management, providing flexibility and reducing risk in volatile markets.

Revenue Streams

Diverse revenue streams from transaction fees and subscriptions provide stability and potential for growth as digital asset markets expand.

Industry Position

Specialization in digital assets positions FRNT to capitalize on the growing fintech sector and increasing institutional interest in cryptocurrencies.

Negative Factors

Revenue Decline

A significant decline in revenue indicates challenges in maintaining market share and competitiveness, impacting long-term growth prospects.

Profitability Challenges

Persistent negative profit margins highlight operational inefficiencies and the need for strategic adjustments to achieve sustainable profitability.

Negative Cash Flow

Negative operating cash flow can strain resources and limit investment in growth opportunities, affecting long-term viability.

FRNT Financial, Inc. Business Overview & Revenue Model

Company Description

FRNT Financial, Inc. (FRNT) is a financial technology company that specializes in providing innovative trading solutions and services primarily focused on the cryptocurrency and digital asset markets. The company operates within the fintech sector, offering a suite of products that includes trading platforms, liquidity solutions, and market access services tailored for institutional clients and professional traders. By leveraging advanced technology and a deep understanding of the digital asset landscape, FRNT aims to enhance trading efficiency and accessibility for its users.

How the Company Makes Money

FRNT generates revenue through several key streams, including transaction fees charged on trades executed via its platform, subscription fees for premium services and tools, and commissions from liquidity provision. Additionally, the company may establish significant partnerships with other financial institutions and trading firms to expand its market reach and enhance its trading offerings. These collaborations often result in shared revenue opportunities and increased liquidity, further bolstering FRNT's earnings potential.

FRNT Financial, Inc. Financial Statement Overview

Summary

FRNT Financial, Inc. faces significant financial challenges, with declining revenues, persistent losses, and negative cash flows. The company maintains a low debt-to-equity ratio, but its inability to generate profits and positive cash flow raises concerns about its long-term viability.

Income Statement

FRNT Financial, Inc. has experienced a significant decline in revenue, with a negative revenue growth rate of -35.45% in the most recent year. The company consistently reports negative net profit margins and EBIT margins, indicating ongoing profitability challenges. The gross profit margin has been volatile, and the company has not achieved positive EBIT or EBITDA margins in recent years, reflecting operational inefficiencies.

Balance Sheet

The company's debt-to-equity ratio remains low, suggesting conservative leverage, but the return on equity is negative, indicating that the company is not generating returns for shareholders. The equity ratio is relatively stable, but the overall financial health is weakened by persistent losses.

Cash Flow

FRNT Financial, Inc. shows a slight improvement in free cash flow growth, but operating cash flow remains negative, highlighting cash management issues. The operating cash flow to net income ratio is negative, indicating that the company is not converting its net income into cash effectively. The free cash flow to net income ratio is around 1, suggesting that free cash flow is closely aligned with net income, albeit both are negative.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	765.12K	751.25K	1.56M	438.50K	292.98K	109.69K
Gross Profit	-98.68K	661.08K	496.06K	-911.09K	-714.27K	-377.35K
EBITDA	-2.65M	-2.84M	-1.90M	-2.68M	-2.65M	-2.05M
Net Income	-2.73M	-2.91M	-2.02M	-2.81M	-2.73M	-2.07M
Balance Sheet
Total Assets	4.44M	2.90M	5.53M	6.38M	8.64M	5.50M
Cash, Cash Equivalents and Short-Term Investments	2.92M	2.38M	4.73M	4.84M	5.11M	5.43M
Total Debt	313.92K	23.10K	95.16K	447.69K	505.46K	254.65K
Total Liabilities	586.82K	357.92K	487.65K	765.58K	768.99K	577.21K
Stockholders Equity	3.85M	2.54M	5.05M	5.62M	7.87M	4.93M
Cash Flow
Free Cash Flow	-2.80M	-2.89M	-2.42M	-2.76M	-3.27M	-786.52K
Operating Cash Flow	-2.77M	-2.89M	-2.42M	-2.75M	-3.24M	-777.36K
Investing Cash Flow	1.08M	1.81M	2.72M	-134.84K	145.70K	-2.01M
Financing Cash Flow	1.81M	-72.07K	804.43K	-74.66K	5.00M	3.64M

FRNT Financial, Inc. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.22
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:FRNT, the sentiment is Neutral. The current price of 0.22 is below the 20-day moving average (MA) of 0.22, below the 50-day MA of 0.24, and below the 200-day MA of 0.36, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 47.97 is Neutral, neither overbought nor oversold. The STOCH value of 44.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TSE:FRNT.

FRNT Financial, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BIGG	52 Neutral	C$26.26M	-1.88	-63.28%	―	36.80%	9.34%
NDA	49 Neutral	C$138.54M	372.41	0.60%	―	-21.21%	-84.82%
DEFI	45 Neutral	C$86.46M	-2.96	-90.12%	―	972.76%	-192.94%
FRNT	44 Neutral	C$9.36M	-2.95	-66.57%	―	-51.53%	3.62%
DELX	44 Neutral	C$10.26M	-3.90	―	―	―	51.76%
BTCW	43 Neutral	C$34.51M	-1.79	―	―	72.86%	-2.13%

FRNT Financial, Inc. Corporate Events

FRNT Financial Elevates Former President Dave Washburn to Vice Chairman Role

FRNT Financial Inc. has appointed former president Dave Washburn as non-executive vice chairman, effective December 31, 2025, shifting him into a strategic role focused on monetizing merchant banking mandates while the existing executive team continues to drive the company’s next phase of growth. The move underscores FRNT’s effort to deepen its institutional digital asset offering and strengthen its leadership bench at a time when the firm is targeting expansion across capital markets and advisory services for institutional clients.

The most recent analyst rating on (TSE:FRNT) stock is a Hold with a C$0.20 price target. To see the full list of analyst forecasts on FRNT Financial, Inc. stock, see the TSE:FRNT Stock Forecast page.

FRNT Financial Announces AGM Voting Results and Stock Option Plan Approval

FRNT Financial Inc. announced the results of its Annual General and Special Meeting, where all proposed matters were approved, including the re-election of its board of directors and the re-appointment of Baker Tilly WM LLP as auditors. Additionally, the company’s 20% fixed stock option plan was approved, increasing the shares reserved for issuance to 8,509,180, which could enhance its financial flexibility and stakeholder engagement.

The most recent analyst rating on (TSE:FRNT) stock is a Hold with a C$0.50 price target. To see the full list of analyst forecasts on FRNT Financial, Inc. stock, see the TSE:FRNT Stock Forecast page.