The checklist Warren Buffett-style investors use. Annual numbers for 2025.
5/5Strong
PassReturn on equity 15%+Earns a lot on the money owners have in the business.20.3%
PassDebt under half of equityNot relying on borrowed money.0.45x 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.$8.2M
PassShare count not growingNot diluting owners. Falling means buybacks.-2.1% in 3 years
Total debt
$29.0M
0.45x equity
Free cash flow
$8.2M
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: net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Oct 28After close4:08 pm ET
From the press release
Net income for the nine-month period ended September 30, 2026, was $10.0 million versus $8.3 million for the same period in 2025.
For the nine months ended September 30, 2026, net income available to common shareholders was $9.6 million, or $1.31 per share, compared to $7.8 million, or $1.05 per share, for the nine months ended September 30, 2025.
Net income for both three-month periods ended September 30, 2026 and 2025, was $2.9 million.
The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗
EPS
$0.53
vs $0.37
Free cash flow
$5.5M
Share count
-1.8%
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
65/ 100
This week
1
Normal week
0.5
vs normal
1.8x
SEC filings of any kind. 50 means a normal week.
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+0.1%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
0.4x · $30.1M debt
Shares outstandingLatest reported
7M
Earnings reports
Last 12
Next reportAround Feb 9, 2027 (est.)Estimated from the same quarter last year
Results filedOct 28
Results filedAug 21
Results filedJul 22
Results filedMay 22
Results filedApr 27
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.