Pensacola Bible Institute Inc (EIN 591101615) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1965

Legal Domicile

Principal Officer

Brian Donovan

Phone

8504793900

Tax Period

2024-09-01 to 2025-08-31

Pensacola Bible Institute Inc, founded in 1965, is a micro nonprofit in the Education sector that reported $98K in total revenue in fiscal year 2024. Revenue surged 34% from the prior year, signaling strong growth momentum. Expenses of $224K exceeded revenue, resulting in a 130% operating deficit.

Mission

To conduct for religious worship and instruction churches, schools, pastoriums and other institutions connected therewith of a religious, educational, charitable and benevolent character.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $69,124

Investment Income $28,478

Other Revenue $0

TOTAL REVENUE $97,602

Expense Breakdown

Grants Paid $0

Salaries & Benefits $167,551

Fundraising Expenses $0

Program Expenses $185,411

Other Expenses $56,894

TOTAL EXPENSES $224,445

Year-over-Year Comparison

	2024	2023	Change
Revenue	$97,602	$73,048	+0.3%
Expenses	$224,445	$238,761	-0.1%
Net Income	$-126,843	$-165,713	-0.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✓ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$93,110

Total Directors

$31,618

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Brian Donovan	President	12.00	Officer	$64,285	$0	$64,285
Zechariah Colvin	Director	4.00	Officer Director	$28,825	$0	$28,825
Phillip McNamera	Director	1.00	Director	$2,793	$0	$2,793
Les Millar	Director	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$97,602	$224,445	$498,181	$-126,843
2024	$73,048	$238,761	$625,024	$-165,713
2023	$66,258	$227,444	$790,736	$-161,186
2022	$765,706	$765,844	$951,922	$-138
2021	$872,645	$426,798	$952,030	$445,847
2020	$348,099	$562,040	$506,183	$-213,941
2019	$309,068	$479,256	$717,494	$-170,188
2018	$356,225	$528,518	$887,732	$-172,293

Pensacola Bible Institute Inc