The checklist Warren Buffett-style investors use. Annual numbers for 2025.
1/5Weak
MissReturn on equity 15%+Earns a lot on the money owners have in the business.2.0%
MissDebt under half of equityNot relying on borrowed money.0.69x equity
PassProfitable every yearSteady profits, not one good year.10 of 10 years
MissFree cash flow positiveBrings in more cash than it spends to run and grow.-$6.9M
MissShare count not growingNot diluting owners. Falling means buybacks.+1.8% in 3 years
Total debt
$258.1M
0.69x equity
Free cash flow
-$6.9M
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 22
EPS
$0.51
vs $0.46
Free cash flow
$8.2M
Share count
+21.3%
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
1.0
vs normal
1.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+4.6%
Institutions added 4.6% to their holdings. 90 bought, 42 sold. 7 quarters of net buying in a row.
Shares held by institutions12.9M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+6.5%
Cash runwayAt last year's cash burn
345 months
Debt to equityLatest balance sheet: debt compared with what owners have
0.7x · $258.1M debt
Shares outstandingLatest reported
21M
Why moderate risk
Share count growing 6.5% a year
1 offering filing in 6 months (may sell new shares)
Earnings reports
Last 12
Next reportDue any dayEstimated from the same quarter last year
Results filedJul 22
Results filedApr 22
Results filedJan 28
Results filedOct 22, 2025
Results filedJul 23, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days