I don't think the amount of users matters. Turning a profit does. Its what keeps companies in business. The ability to earn more than your expenses. They turn a profit and get a 20% haircut.
According to your post, Its a scam company over $20, but at $19.99 and less its a legitimate company?
$9-$10 billion dollar market cap is higher than the current market cap.
No need to investigate as long as we make money. Investigating only throws a wet blanket on the fire.
The book value listed is far from correct. The real estate, buildings, and land is worth $100 million. There is also $900 million in deposits. $3 was a joke, they went through what any other bank went through out in America with bad loans. Now, a combination of new leadership, the right leadership returning, as well as recovery of some of these bad loans, regaining compliance, trading back on the OTC, and finally a dividend payment not too far in sight, is pushing this back over $10+.