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.11.1%
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.$4.9M
MissShare count not growingNot diluting owners. Falling means buybacks.+3.1% in 3 years
Revenue
$4.6M
Free cash flow
$4.9M
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: 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 21During market11:16 am ET
From the press release
Increased debit card usage, mortgage banking revenue, and customer swap fees contributed to a 7.9% increase in noninterest income from the same period in the prior year.
Net income was $3.0 million, or $0.96 per share, for the three months ended September 30, 2026, $3.0 million, or $0.94 per share, for the three months ended June 30, 2026, and $2.6 million, or $0.84 per share, for the same prior year period.
Net charge-offs of $31 thousand were recorded for the three-month period ended September 30, 2026, compared with $81 thousand that were recorded for the three-month period 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
$0.94
vs $0.73
Free cash flow
$3.3M
Share count
+0.4%
vs a year ago
Some values are worked out from year-to-date totals in the annual report.
Insider rating
Last 90 days
62Buying
1 insider bought $16K
Top executive buying (CEO & President)
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
35/ 100
This week
1
Normal week
2.0
vs normal
0.5x
SEC filings of any kind. 50 means a normal week.
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+0.6%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $1.2B
Shares outstandingLatest reported
3M
Earnings reports
Last 12
Next reportAround Jan 19, 2027 (est.)Estimated from the same quarter last year
Results filedOct 21
Results filedJul 29
Results filedApr 20
Results filedJan 20
Results filedOct 17, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days