The checklist Warren Buffett-style investors use. Annual numbers for 2025.
2/5Weak
MissReturn on equity 15%+Earns a lot on the money owners have in the business.4.7%
PassDebt under half of equityNot relying on borrowed money.No debt reported
MissProfitable every yearSteady profits, not one good year.2 of 7 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$29.7M
MissShare count not growingNot diluting owners. Falling means buybacks.+1.2% in 3 years
Revenue
$19.2M
Total debt
None
0.00x equity
Free cash flow
$29.7M
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.
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
67/ 100
This week
1
Normal week
0.5
vs normal
2.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady0.0%
Institutions added 0.0% to their holdings. 0 bought, 2 sold.
Shares held by institutions14K
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+0.4%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
No debt reported
Shares outstandingLatest reported
236M
Earnings reports
Last 0
Next reportNot enough history
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.