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.2.7%
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%+, 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 26After close4:00 pm ET
From the press release
Excluding $47,000 of net accretion income related to fair value adjustments resulting from the acquisition of Regal Bancorp in September 2023, net income would have been $1.0 million for the three months ended September 30, 2026 .
Excluding $303,000 of net accretion income related to fair value adjustments, net income would have been $475,000 for the three months ended September 30, 2025 .
Net income increased $375,000 , or 54.1% , to $1.1 million for the three months ended September 30, 2026 compared to net income of $693,000 for the three months ended September 30, 2025 .
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.13
vs $0.27
Free cash flow
$3.8M
Some values are worked out from year-to-date totals in the annual report.
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
0.5
vs normal
2.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+6.0%
Institutions added 6.0% to their holdings. 43 bought, 24 sold. 2 quarters of net buying in a row.
Shares held by institutions2.8M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
-5.9%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $1.0B
Shares outstandingLatest reported
8M
Earnings reports
Last 12
Next reportAround Jan 27, 2027 (est.)Estimated from the same quarter last year
Results filedOct 26
Results filedJul 28
Results filedApr 28
Results filedJan 28
Results filedOct 30, 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.