The checklist Warren Buffett-style investors use. Annual numbers for 2025.
3/5Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.5.5%
PassDebt under half of equityNot relying on borrowed money.0.13x equity
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.$237.8M
MissShare count not growingNot diluting owners. Falling means buybacks.+55.7% in 3 years
Total debt
$499.8M
0.13x equity
Free cash flow
$237.8M
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: net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 27After close4:34 pm ET
From the press release
Mortgage Banking Income . (1) Gain on sales of loans, net includes pipeline fair value adjustments . 5 .
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.94
vs $0.01
Free cash flow
$76.4M
Share count
-3.1%
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
4
Normal week
0.8
vs normal
5.1x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady+0.8%
Institutions added 0.8% to their holdings. 142 bought, 127 sold.
Shares held by institutions82.6M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+17.6%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.2x · $796.5M debt
Shares outstandingLatest reported
91M
Why elevated risk
Share count growing 17.6% a year (dilution)
2 offering filings in 6 months (may sell new shares)