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.13.5%
PassDebt under half of equityNot relying on borrowed money.0.21x equity
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$21.9M
MissShare count not growingNot diluting owners. Falling means buybacks.+70.1% in 3 years
Total debt
$40.6M
0.21x equity
Free cash flow
$21.9M
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%+, profitable every year. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 19During market2:54 pm ET
From the press release
Net income, as reported under accounting principles generally accepted in the United States of America ( GAAP ), for the third quarter 2026 was $6,043,000, or $0.57 per share, compared to $6,719,000, or $0.63 per share, for the third quarter 2025.
Net income, as reported under GAAP, for the nine months ended September 30, 2026 was $20,354,000, or $1.92 per share, compared to $16,832,000, or $1.59 per share for the same period in 2025.
For the third quarter 2026, a $942,000 provision for credit losses was recorded compared to a $479,000 provision for the third quarter 2025.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.67
vs $0.54
Free cash flow
$4.8M
Share count
+200.3%
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
0
Normal week
1.2
vs normal
0.0x
SEC filings of any kind. 50 means a normal week.
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+76.5%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.2x · $40.6M debt
Shares outstandingLatest reported
11M
Why moderate risk
Share count growing 76.5% a year (dilution)
Earnings reports
Last 12
Next reportAround Jan 18, 2027 (est.)Estimated from the same quarter last year
Results filedOct 19
Results filedJul 20
Results filedApr 20
Results filedOct 17, 2025
Results filedJul 18, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days