The checklist Warren Buffett-style investors use. Annual numbers for 2025.
1/5Weak
MissReturn on equity 15%+Earns a lot on the money owners have in the business.3.4%
MissDebt under half of equityNot relying on borrowed money.0.61x equity
MissProfitable every yearSteady profits, not one good year.9 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$38.1M
MissShare count not growingNot diluting owners. Falling means buybacks.+12.3% in 3 years
Total debt
$443.2M
0.61x equity
Free cash flow
$38.1M
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
New results, as stated in the press release
Reported Oct 14After close4:20 pm ET
EPS
$1.40
Revenue and EPS as the company states them. Margins, cash flow and share count fill in with the 10-Q.
Insider rating
Last 90 days
53Mixed
1 insider bought $19K
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
30/ 100
This week
1
Normal week
2.5
vs normal
0.4x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+2.4%
Institutions added 2.4% to their holdings. 87 bought, 45 sold.
Shares held by institutions13.7M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+10.1%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.6x · $532.6M debt
Shares outstandingLatest reported
21M
Why moderate risk
Share count growing 10.1% a year (dilution)
1 offering filing in 6 months (may sell new shares)
Earnings reports
Last 12
Next reportAround Jan 20, 2027 (est.)Estimated from the same quarter last year
Results filedOct 14
Results filedJul 14
Results filedApr 14
Results filedJan 21
Results filedOct 14, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days