The checklist Warren Buffett-style investors use. Annual numbers for 2025.
1/2Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.6.2%
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$57.4M
Free cash flow
$57.4M
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%+, profitable every year, share count not growing. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 15After close4:15 pm ET
From the press release
Through the first three quarters of 2026, total loans and total deposits have increased by 17.4% and 15.2%, respectively, on an annualized basis, while operating EPS has increased 27%.
The Board of Directors declared a quarterly cash dividend of $0.07 per share, payable on November 12, 2026, to shareholders of record as of October 29, 2026. .
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.53
vs $0.39
Free cash flow
$31.3M
Share count
+6.5%
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
0.4
vs normal
0.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady-2.3%
Institutions cut 2.3% from their holdings. 81 bought, 74 sold.
Shares held by institutions22.5M
Sep '24Jun '26
Safety check
From SEC filings
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $6.6B
Shares outstandingLatest reported
44M
Earnings reports
Last 12
Next reportAround Jan 21, 2027 (est.)Estimated from the same quarter last year
Results filedOct 15
Results filedJul 22
Results filedApr 22
Results filedJan 22
Results filedOct 22, 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.