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.11.1%
MissDebt under half of equityNot relying on borrowed money.0.53x equity
MissProfitable every yearSteady profits, not one good year.5 of 8 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$126.3M
MissShare count not growingNot diluting owners. Falling means buybacks.+1.3% in 3 years
Total debt
$216.0M
0.53x equity
Free cash flow
$126.3M
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: net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 29After close4:07 pm ET
From the press release
Total net income attributable to stockholders for the third quarter was $2.4 million, or $0.10 per share, compared to $7.8 million, or $0.32 per share, in the prior year quarter.
We continued to grow our loan portfolio, with total assets reaching a record level of more than $3.3 billion.
The Board of Directors declared a quarterly dividend of $0.14 per share, payable on November 19, 2026, to stockholders of record at the close of business on November 9, 2026. (*) Dividend reinstated in Q1 2022.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.31
vs $0.46
Free cash flow
$17.5M
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
0.5
vs normal
2.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady-0.4%
Institutions cut 0.4% from their holdings. 48 bought, 36 sold.
Shares held by institutions7.9M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
-0.6%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.7x · $287.5M debt
Shares outstandingLatest reported
23M
Earnings reports
Last 12
Next reportAround Feb 17, 2027 (est.)Estimated from the same quarter last year
Results filedOct 29
Results filedJul 29
Results filedApr 29
Results filedFeb 18
Results filedOct 29, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days