The checklist Warren Buffett-style investors use. Annual numbers for 2025.
3/5Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.5.3%
PassDebt under half of equityNot relying on borrowed money.0.37x equity
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.$24.3M
MissShare count not growingNot diluting owners. Falling means buybacks.+48.7% in 3 years
Total debt
$69.6M
0.37x equity
Free cash flow
$24.3M
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 Oct 22After close4:30 pm ET
From the press release
Also, on October 22, 2026, the Board of Directors announced a quarterly common stock cash dividend of $0.31 per common share, payable on November 13, 2026, to shareholders of record on November 2, 2026.
Net income for the quarters ended September 30, 2026 and June 30, 2026 was $4.8 million and $5.0 million, respectively.
Net income was $5.6 million for the quarter 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
$0.92
vs $0.98
Free cash flow
-$12.8M
Share count
+0.6%
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
70/ 100
This week
2
Normal week
0.9
vs normal
2.3x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady+1.3%
Institutions added 1.3% to their holdings. 47 bought, 26 sold.
Shares held by institutions2.4M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+15.3%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.1x · $29.6M debt
Shares outstandingLatest reported
5M
Why moderate risk
Share count growing 15.3% a year (dilution)
Earnings reports
Last 12
Next reportAround Jan 25, 2027 (est.)Estimated from the same quarter last year
Results filedOct 22
Results filedJul 23
Results filedApr 23
Results filedJan 26
Results filedOct 23, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days