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.11.1%
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.$44.3M
PassShare count not growingNot diluting owners. Falling means buybacks.-4.2% in 3 years
Free cash flow
$44.3M
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: debt under half of equity, net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 19After close4:43 pm ET
From the press release
During the third quarter of 2026, the Company recorded net loan charge-offs of $586,000, compared to net loan charge-offs of $448,000 during the second quarter of 2026.
The Company had no securities sales during the third quarter of 2026 and second quarter of 2026. 3 .
The Company announces that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.32 per share payable on November 13, 2026, to shareholders of record as of November 2, 2026.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$1.48
vs $1.45
Free cash flow
$9.3M
Share count
+0.9%
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
0.6
vs normal
0.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+10.3%
Institutions added 10.3% to their holdings. 95 bought, 35 sold.
Shares held by institutions4.3M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
-1.3%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $3.1B
Shares outstandingLatest reported
8M
Earnings reports
Last 12
Next reportAround Jan 25, 2027 (est.)Estimated from the same quarter last year
Results filedOct 19
Results filedJul 20
Results filedApr 20
Results filedJan 26
Results filedOct 20, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days
No offerings, red flags or new big holders. Clean record.
Insider trades
Open-market buys and sells, last 90 days
No open-market buys or sells in 90 days. Grants and option exercises are left out.
"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.