The checklist Warren Buffett-style investors use. Annual numbers for 2025.
2/3Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.14.7%
PassDebt under half of equityNot relying on borrowed money.0.28x equity
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$35.2M
Total debt
$78.6M
0.28x equity
Free cash flow
$35.2M
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%+, profitable every year, share count not growing. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 26After close5:23 pm ET
From the press release
Core (net of any one-time adjustments) net income was $10.9 million, or $0.79 per diluted common share, for the third quarter of 2026, compared to core net income of $9.5 million, or $0.77 per diluted common share, for the third quarter of 2025.
Net income before income taxes was $13.8 million for the three months ended September 30, 2026, an increase of $1.5 million, or 12.5%, from 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
$0.74
vs $0.73
Free cash flow
$8.8M
Share count
+11.9%
vs a year ago
Insider rating
Last 90 days
60Mixed
1 insider bought $2K
Top executive buying (Executive Chairperson)
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
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+5.4%
Institutions added 5.4% to their holdings. 61 bought, 26 sold.
Shares held by institutions7.6M
Sep '24Jun '26
Safety check
From SEC filings
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.2x · $73.2M debt
Shares outstandingLatest reported
14M
Earnings reports
Last 5
Next reportAround Jan 25, 2027 (est.)Estimated from the same quarter last year
Results filedOct 26
Results filedJul 27
Results filedApr 27
Results filedJan 26
Results filedOct 28, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days