PENSACOLA HABITAT FOR HUMANITY INC (EIN 592186044) - 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

1981

Legal Domicile

Principal Officer

SAMUEL YOUNG

Phone

8504345456

Tax Period

2024-07-01 to 2025-06-30

PENSACOLA HABITAT FOR HUMANITY INC, founded in 1981, is a mid-sized nonprofit in the Housing & Shelter sector that reported $17.0M in total revenue in fiscal year 2024. Revenue surged 27% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.8M, a strong 22% operating margin.

Mission

SEEKING TO PUT GOD'S LOVE INTO ACTION, PENSACOLA HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE.

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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 $5,559,119

Program Service Revenue $9,712,617

Investment Income $364,041

Other Revenue $1,319,994

TOTAL REVENUE $16,955,771

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,201,393

Fundraising Expenses $416,259

Program Expenses $10,116,013

Other Expenses $8,990,013

TOTAL EXPENSES $13,191,406

Year-over-Year Comparison

	2024	2023	Change
Revenue	$16,955,771	$13,364,795	+0.3%
Expenses	$13,191,406	$13,764,967	0.0%
Net Income	$3,764,365	$-400,172	-10.4%

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

Employees

Volunteers

1380

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

$455,529

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EUGENE FRANKLIN	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL R KING	VICE CHAIR	30.00	Officer Director	$0	$0	$0
RICHARD R BAKER	DIRECTOR	10.00	Director	$0	$0	$0
DAWN L BRAZWELL	CHAIR	20.00	Officer Director	$0	$0	$0
ROBERT YOUNG	DIRECTOR	2.00	Director	$0	$0	$0
JOEL R FLEEKOP	DIRECTOR	2.00	Director	$0	$0	$0
SIOBHAN M GALLAGHER	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL STAHL	SECRETARY	10.00	Officer Director	$0	$0	$0
MATT R NEWCOMER	TREASURER	5.00	Officer Director	$0	$0	$0
JARL T YOUNG	DIRECTOR	2.00	Director	$0	$0	$0
D BRENT HAGGETT	DIRECTOR	2.00	Director	$0	$0	$0
LAKESHA DAVIS	DIRECTOR	2.00	Director	$0	$0	$0
DARNELL SIMS	DIRECTOR	2.00	Director	$0	$0	$0
CONNIE BOOKMAN	DIRECTOR	2.00	Director	$0	$0	$0
ALVIS COLLINS	DIRECTOR	2.00	Director	$0	$0	$0
FRANK SMITH	DIRECTOR	2.00	Director	$0	$0	$0
SAMUEL YOUNG	CHIEF EXECUTIVE OFFICER	40.00	Officer	$168,462	$5,063	$173,525
TERESA MCMASTER	CHIEF FINANCIAL OFFICER	40.00	Officer	$126,274	$3,788	$130,062
KIMBERLY WILSON	CHIEF OPERATING OFFICER	40.00	Officer	$139,128	$12,814	$151,942

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	$16,955,771	$13,191,406	$50,825,528	$3,764,365
2024	$13,364,795	$13,764,967	$47,659,275	$-400,172
2023	$11,381,270	$9,994,332	$45,431,594	$1,386,938
2022	$6,674,688	$6,339,453	$44,863,385	$335,235
2021	$6,329,618	$5,403,635	$44,402,861	$925,983
2020	$5,085,879	$4,912,747	$43,785,836	$173,132
2019	$4,922,416	$4,655,120	$43,702,630	$267,296

PENSACOLA HABITAT FOR HUMANITY INC