The checklist Warren Buffett-style investors use. Annual numbers for 2025.
2/4Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.1.5%
MissProfitable every yearSteady profits, not one good year.7 of 8 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$3.1M
PassShare count not growingNot diluting owners. Falling means buybacks.-7.9% in 3 years
Free cash flow
$3.1M
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: debt under half of equity, net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 30After close4:30 pm ET
From the press release
The Company reported net income for the nine months ended September 30, 2026 of $1.9 million, or $0.15 per basic and diluted share, compared to a net income of $1.4 million, or $0.11 per basic and diluted share, for the comparable prior year period.
Net income increased 36% to $1.9 million compared to the same period last year, while net interest income grew 13.9% to $12.7 million.
Net income increased $18,000 to $473,000 for the three months ended September 30, 2026 compared to net income of $455,000 for the three months ended September 30, 2025 .
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.06
vs $0.02
Free cash flow
$2.1M
Share count
-1.1%
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
0/ 100
This week
1
Normal week
0.2
vs normal
2.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady-10.3%
Institutions cut 10.3% from their holdings. 8 bought, 8 sold. 5 quarters of net selling in a row.
Shares held by institutions827K
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
-1.8%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $733.0M
Shares outstandingLatest reported
13M
Earnings reports
Last 12
Next reportAround Feb 12, 2027 (est.)Estimated from the same quarter last year
Results filedOct 30
Results filedJul 30
Results filedMay 6
Results filedFeb 13
Results filedNov 3, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days
No offerings, red flags or new big holders. Clean record.
Insider trades
Open-market buys and sells, last 90 days
No open-market buys or sells in 90 days. Grants and option exercises are left out.
"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.