The checklist Warren Buffett-style investors use. Annual numbers for 2025.
2/4Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.7.7%
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.$71.8M
MissShare count not growingNot diluting owners. Falling means buybacks.+38.2% in 3 years
Free cash flow
$71.8M
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 21After close5:12 pm ET
From the press release
Adjusted earnings per common share, excluding non-recurring income and expenses (1) , was $0.88 for the third quarter of 2026.
Based upon the overall financial success in the third quarter and year to date, we are pleased to declare a quarterly cash dividend of $0.23 per common share to our shareholders of record as of November 2, 2026." . 2 .
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.85
vs $0.22
Free cash flow
$31.2M
Share count
+18.6%
vs a year ago
Insider rating
Last 90 days
76Buying
6 insiders bought $27K
Cluster buy: 6 insiders within 1 day
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
48/ 100
This week
1
Normal week
1.1
vs normal
0.9x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+3.4%
Institutions added 3.4% to their holdings. 79 bought, 46 sold. 5 quarters of net buying in a row.
Shares held by institutions13.5M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+15.2%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $6.2B
Shares outstandingLatest reported
25M
Why moderate risk
Share count growing 15.2% a year (dilution)
Auditor change
Earnings reports
Last 12
Next reportAround Jan 20, 2027 (est.)Estimated from the same quarter last year
Results filedOct 21
Results filedJul 22
Results filedApr 21
Results filedJan 21
Results filedOct 22, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days