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.10.4%
MissDebt under half of equityNot relying on borrowed money.2.22x 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.$24.0M
PassShare count not growingNot diluting owners. Falling means buybacks.-9.7% in 3 years
Total debt
$313.1M
2.22x equity
Free cash flow
$24.0M
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 23During market1:00 pm ET
From the press release
Net income for the third quarter of 2026 was stable at $3.9 million, a 2.5 percent decrease from the prior-year quarter, with GAAP DEPS of $0.63, a decrease of 1.6 percent, said Mark A.
Total operating revenue for the third quarter of 2026 was $18.1 million, an increase of 9.0 percent year-over-year and slightly improved from the linked quarter.
Net mortgage banking revenue for the quarter reached $1.8 million, an increase of $293,000 from the prior-year quarter.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.72
vs $0.60
Free cash flow
$6.5M
Share count
-3.7%
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
79/ 100
This week
2
Normal week
0.5
vs normal
3.7x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady-5.7%
Institutions cut 5.7% from their holdings. 37 bought, 37 sold.
Shares held by institutions3.2M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
-3.0%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
2.3x · $344.1M debt
Shares outstandingLatest reported
6M
Why low risk
High debt: 2.34x equity
Earnings reports
Last 12
Next reportAround Jan 29, 2027 (est.)Estimated from the same quarter last year
Results filedOct 23
Results filedJul 31
Results filedFeb 2
Results filedJan 30
Results filedNov 4, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days