The checklist Warren Buffett-style investors use. Annual numbers for 2025.
2/4Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.11.6%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
MissFree cash flow positiveBrings in more cash than it spends to run and grow.-$1.3M
PassShare count not growingNot diluting owners. Falling means buybacks.+0.2% in 3 years
Free cash flow
-$1.3M
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: debt under half of equity, net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Jul 24
EPS
$0.36
vs $0.33
Free cash flow
-$140K
Share count
-0.3%
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
0
Normal week
0.2
vs normal
0.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+14.5%
Institutions added 14.5% to their holdings. 21 bought, 9 sold.
Shares held by institutions770K
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+0.3%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $805.9M
Shares outstandingLatest reported
6M
Earnings reports
Last 12
Next reportAround Nov 6 (est.)Estimated from the same quarter last year
Results filedJul 24
Results filedMay 7
Results filedFeb 3
Results filedNov 7, 2025
Results filedAug 1, 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.