The checklist Warren Buffett-style investors use. Annual numbers for 2025.
4/5Strong
MissReturn on equity 15%+Earns a lot on the money owners have in the business.8.9%
PassDebt under half of equityNot relying on borrowed money.0.04x 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.$305.6M
PassShare count not growingNot diluting owners. Falling means buybacks.-0.5% in 3 years
Total debt
$146.3M
0.04x equity
Free cash flow
$305.6M
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 22After close4:10 pm ET
EPS
$0.65
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
35Selling
1 insider sold $371K (not pre-planned)
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
76/ 100
This week
4
Normal week
1.3
vs normal
3.2x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady-1.0%
Institutions cut 1.0% from their holdings. 141 bought, 126 sold. 2 quarters of net selling in a row.
Shares held by institutions91.3M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
-3.2%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.0x · $146.3M debt
Shares outstandingLatest reported
95M
Earnings reports
Last 12
Next reportAround Jan 27, 2027 (est.)Estimated from the same quarter last year
Results filedOct 22
Results filedJul 23
Results filedApr 29
Results filedJan 28
Results filedOct 29, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days