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.11.0%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$136.3M
MissShare count not growingNot diluting owners. Falling means buybacks.+20.2% in 3 years
Free cash flow
$136.3M
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 22After close4:15 pm ET
From the press release
Net income of $41.8 million, $0.94 diluted earnings per share .
The dividend will be paid on November 17, 2026, to stockholders of record of the Company's common stock as of November 3, 2026.
Net gains on sales of loans totaled $5.8 million for the quarter, a decrease of $293,000, or 4.8%, compared to the prior quarter.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.90
vs $0.66
Free cash flow
$13.2M
Share count
-1.5%
vs a year ago
Insider rating
Last 90 days
64Buying
1 insider bought $45K
Pamela C Stewart grew their stake 18.3%
50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.
Weekly insider trend
13 weeks agoBoughtSoldThis week
Filing buzz
Last 7 days vs normal
63/ 100
This week
2
Normal week
1.2
vs normal
1.7x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady-0.1%
Institutions cut 0.1% from their holdings. 116 bought, 66 sold.
Shares held by institutions25.0M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+1.1%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $8.6B
Shares outstandingLatest reported
45M
Earnings reports
Last 12
Next reportAround Jan 21, 2027 (est.)Estimated from the same quarter last year
Results filedOct 22
Results filedJul 23
Results filedApr 23
Results filedJan 22
Results filedOct 23, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days