The checklist Warren Buffett-style investors use. Annual numbers for 2025.
3/4Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.11.7%
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.$80.0M
PassShare count not growingNot diluting owners. Falling means buybacks.+0.7% in 3 years
Free cash flow
$80.0M
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 Mar 31, 2026
Reported Oct 20During market11:14 am ET
From the press release
Noninterest income decreased $1.2 million, or 5.9%, driven by lower mortgage banking revenues and deposit . fees . ●.
We recorded . a provision benefit . for credit losses of $0. 1 . million for the third quarter . of 2026, compared . to a provision expense . of .
For the . first nine months . of 2026, we . recorded a provision . expense for credit losses . of $1.6 million compared . to $3.3 million for the . same period . of 2025.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.92
vs $0.99
Free cash flow
$14.7M
Share count
+0.6%
vs a year ago
Insider rating
Last 90 days
53Mixed
1 insider bought $20K
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
52/ 100
This week
1
Normal week
0.9
vs normal
1.1x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+2.1%
Institutions added 2.1% to their holdings. 72 bought, 44 sold. 2 quarters of net buying in a row.
Shares held by institutions9.0M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+0.2%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $3.9B
Shares outstandingLatest reported
17M
Earnings reports
Last 12
Next reportAround Jan 26, 2027 (est.)Estimated from the same quarter last year
Results filedOct 20
Results filedJul 21
Results filedApr 20
Results filedJan 27
Results filedOct 21, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days
No offerings, red flags or new big holders. Clean record.