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.2.8%
PassDebt under half of equityNot relying on borrowed money.0.00x 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.$151.5M
MissShare count not growingNot diluting owners. Falling means buybacks.+5.2% in 3 years
Total debt
$444K
0.00x equity
Free cash flow
$151.5M
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 28Before open7:45 am ET
From the press release
Third quarter 2026 net income grew 16% year-over-year and 8% quarter-over-quarter to $35.6 million .
In the third quarter of 2026, the reported efficiency ratio improved to 65.3%, down from 66.6% in the prior quarter and 68.2% in the year-ago quarter, as revenue growth outpaced noninterest expense growth.
This positive operating leverage also drove growth in pre-provision net revenue (2) , which totaled $54.7 million, up 11% quarter-over-quarter and 21% year-over-year.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.26
vs -$0.19
Free cash flow
$56.0M
Share count
+0.2%
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
1
Normal week
0.7
vs normal
1.4x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady-0.2%
Institutions cut 0.2% from their holdings. 130 bought, 89 sold. 2 quarters of net selling in a row.
Shares held by institutions118.9M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+2.1%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.0x · $444K debt
Shares outstandingLatest reported
128M
Earnings reports
Last 12
Next reportAround Jan 26, 2027 (est.)Estimated from the same quarter last year
Results filedOct 28
Results filedJul 27
Results filedApr 28
Results filedJan 27
Results filedOct 28, 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.