The checklist Warren Buffett-style investors use. Annual numbers for 2025.
4/5Strong
MissReturn on equity 15%+Earns a lot on the money owners have in the business.9.6%
PassDebt under half of equityNot relying on borrowed money.0.01x 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.$59.3M
PassShare count not growingNot diluting owners. Falling means buybacks.+0.1% in 3 years
Total debt
$3.0M
0.01x equity
Free cash flow
$59.3M
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 19After close5:00 pm ET
From the press release
We achieved another quarterly record in operating revenue 1 at $57.5 million and diluted operating earnings 1 per share totaled $1.10.
The increase in shareholders' equity was primarily driven by net income of $48.6 million for the nine months ended September 30, 2026, offset by an increase of $16.9 million in accumulated other comprehensive loss and dividends paid of $4.5 million.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.96
vs $0.69
Free cash flow
$22.5M
Share count
+0.5%
vs a year ago
Insider rating
Last 90 days
38Selling
2 insiders sold $183K (not pre-planned)
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
86/ 100
This week
3
Normal week
0.5
vs normal
6.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+5.9%
Institutions added 5.9% to their holdings. 111 bought, 54 sold. 7 quarters of net buying in a row.
Shares held by institutions11.5M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+0.2%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.0x · $603K debt
Shares outstandingLatest reported
17M
Earnings reports
Last 12
Next reportAround Jan 19, 2027 (est.)Estimated from the same quarter last year
Results filedOct 19
Results filedJul 20
Results filedApr 20
Results filedJan 20
Results filedOct 21, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days