Financials · State Commercial Banks · NYSE · CIK 351569 · FYE Dec 31 · Prices AT CLOSE 2026-07-30 (USD) — end-of-day, never a live or intraday quote
Last $87.57Day −0.30%Mkt cap $5.9BP/E (FY) 14.6×1Y +28.9%Off 52W high −6.1%Vol (1Y) 24.1%
Daily closing price, split-adjusted to the current basis; 3y shown of 5,294 bars on file. Sampled to 240 points — every point is a real close, none averaged. Price return, not total return (dividends excluded). Source marketstack.
| Fair value (model)$62.52 |
| Implied upside−28.8% |
| Valuation confidenceLOW |
| Short interest4.1% of sh out |
| Days to cover6.7d |
| 13F net flow (QoQ)+0.93% |
| Top-10 13F concentration57.6% |
| Next report (est.)2026-10-22 |
Fair value, confidence and the reverse-DCF grade are the MATERIALIZED daily snapshot (the same columns the screener serves), not a live model run. Short interest is FINRA semi-monthly, settlement 2026-07-15. 13F figures are quarterly filings, period 2026-Q1 — a lower bound on true ownership.
| P/E (FY)14.6× |
| Sales (TTM)$1.24B |
| Earnings (TTM)$434.7M |
| ROE10.5% |
| YTD+18.5% |
| 1Y+28.9% |
| 3Y+107.9% |
| 5Y+91.9% |
| 10Y+202.8% |
| Since incept. (ann.)+8.6% |
Total return through 2026-07-30 · series begins 2005-07-11. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)24.1% |
| Ann. volatility (3Y)29.8% |
| Sharpe (1Y)1.11 |
| Sharpe (3Y)0.98 |
| Max drawdown (1Y)−13.8% |
| Max drawdown (3Y)−29.5% |
| Beta (3Y vs SPY)1.12 |
Daily simple returns, annualized; drawdown is peak-to-trough within the window. Beta is the OLS slope of monthly returns on SPY's over three years. Each figure is labeled by the window it was measured over — they are not comparable across windows.
| Manager | Shares | Value | % sh out | QoQ |
|---|---|---|---|---|
| BlackRock, Inc. | 9.8M | $766M | 14.46% | −0.4% |
| DIMENSIONAL FUND ADVISORS LP | 3.9M | $304M | 5.74% | −3.2% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 3.7M | $288M | 5.44% | new |
| North Reef Capital Management LP | 3.4M | $267M | 5.04% | +25.1% |
| STATE STREET CORP | 3.3M | $260M | 4.89% | +3.8% |
| VANGUARD CAPITAL MANAGEMENT LLC | 2.9M | $226M | 4.27% | new |
| WELLINGTON MANAGEMENT GROUP LLP | 2.9M | $225M | 4.26% | −2.7% |
| Independent Advisor Alliance | 2.6M | $206M | 3.90% | +6.3% |
Reported 13F long positions as filed for 2026-Q1 (change vs 2025-Q4). 13F covers US-listed long equity only — the sum is a LOWER BOUND on institutional ownership, never a total.
| Period end | Reported | EPS | EPS YoY | Revenue | Rev YoY |
|---|---|---|---|---|---|
| 2026-03-31 | 2026-04-23 | $1.63 | +28.3% | $314.4M | +10.0% |
| 2025-12-31 | 2026-01-29 | — | — | $307.1M | +5.6% |
| 2025-09-30 | 2025-10-27 | $1.54 | +6.9% | $314.2M | +10.7% |
| 2025-06-30 | 2025-07-28 | $1.60 | +21.2% | $300.7M | +0.0% |
EPS and revenue as reported in this filer's own XBRL — our extraction of the filings, not a vendor consensus feed, and never a beat/miss claim (we carry no estimates). YoY compares the same fiscal quarter a year earlier. Next report 2026-10-22 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Service Charges On Deposit Accounts 47% · Other Service Charges On Deposit Accounts 16% · Overdraft Fees 16% · Debit Card Interchange Fees 15% · ATMFees 3%
product & service · each slice's share of TAGGED segment revenue in the latest annual filing (XBRL, as filed). Untagged revenue is excluded from the denominator, so slices need not sum to consolidated sales.
| Net margin34.1% |
| EPS growth 3Y6.3% |
| Sales growth 3Y3.6% |
Screener basis: ratios from the latest reported fiscal year; Sales/Earnings are trailing twelve months in the reporting currency (USD). The P/E is a trailing FULL-YEAR P/E, not TTM. Missing lines are absent from the filings, never imputed.
