The checklist Warren Buffett-style investors use. Annual numbers for 2025.
1/3Weak
MissReturn on equity 15%+Earns a lot on the money owners have in the business.4.1%
MissProfitable every yearSteady profits, not one good year.9 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$4.2M
Free cash flow
$4.2M
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%+, share count not growing. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 28After close5:20 pm ET
From the press release
Net income for the third quarter of 2026 increased $473,000 to $1,116,000 compared to net income of $643,000 for the third quarter of 2025.
The earnings per weighted average common share for the third quarter of 2026 were $0.24 compared to earnings per weighted average common share of $0.14 for the third quarter of 2025.
The increase in net income for the third quarter of 2026 was primarily due to an increase in net interest income of $560,000 to $5,136,000 for the third quarter of 2026 compared with $4,576,000 for the third quarter of 2025.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.19
vs $0.27
Free cash flow
$535K
Share count
0.0%
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
67/ 100
This week
1
Normal week
0.3
vs normal
2.0x
SEC filings of any kind. 50 means a normal week.
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
Total liabilities $669.3M
Shares outstandingLatest reported
5M
Earnings reports
Last 12
Next reportAround Jan 28, 2027 (est.)Estimated from the same quarter last year
Results filedOct 28
Results filedJul 22
Results filedMay 27
Results filedApr 22
Results filedJan 29
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days