The checklist Warren Buffett-style investors use. Annual numbers for 2025.
3/5Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.3.3%
PassDebt under half of equityNot relying on borrowed money.0.10x equity
PassProfitable every yearSteady profits, not one good year.9 of 9 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$58.8M
MissShare count not growingNot diluting owners. Falling means buybacks.+36.1% in 3 years
Total debt
$59.2M
0.10x equity
Free cash flow
$58.8M
From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Jul 29
EPS
$0.81
vs $0.78
Free cash flow
$17.9M
Share count
-1.2%
vs a year ago
Insider rating
Last 90 days
No open-market insider buys or sells in the last 90 days.
Weekly insider trend
No trades to chart yet.
Filing buzz
Last 7 days vs normal
62/ 100
This week
1
Normal week
0.6
vs normal
1.6x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+3.2%
Institutions added 3.2% to their holdings. 90 bought, 51 sold. 7 quarters of net buying in a row.
Shares held by institutions16.3M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+7.7%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.1x · $59.2M debt
Shares outstandingLatest reported
25M
Why moderate risk
Share count growing 7.7% a year
1 offering filing in 6 months (may sell new shares)
Earnings reports
Last 12
Next reportIn 1 days (est.)Estimated from the same quarter last year
Results filedJul 29
Results filedApr 29
Results filedJan 28
Results filedOct 30, 2025
Results filedJul 28, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days