Financials · Savings Institution, Federally Chartered · Nasdaq · CIK 1302387 · FYE Dec 31 · Prices AT CLOSE 2026-07-29 (USD) — end-of-day, never a live or intraday quote
Last $20.67Day −3.25%Mkt cap $179MP/E (FY) 14.5×1Y +30.0%Off 52W high −6.8%Vol (1Y) 25.9%
Daily closing price, split-adjusted to the current basis; 3y shown of 2,403 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)$21.92 |
| Implied upside+6.1% |
| Valuation confidenceLOW |
| Short interest1.2% of sh out |
| Days to cover9.0d |
| 13F net flow (QoQ)−1.23% |
| Top-10 13F concentration79.4% |
| Next report (est.)2026-10-23 |
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)14.5× |
| Sales (TTM)$40.1M |
| Earnings (TTM)$12.5M |
| ROE7.1% |
| YTD+13.9% |
| 1Y+30.0% |
| 3Y+76.0% |
| 5Y+71.1% |
| 10Y+380.0% |
| Since incept. (ann.)+17.2% |
Total return through 2026-07-29 · series begins 2016-07-11. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)25.9% |
| Ann. volatility (3Y)23.9% |
| Sharpe (1Y)1.09 |
| Sharpe (3Y)0.99 |
| Max drawdown (1Y)−13.4% |
| Max drawdown (3Y)−30.9% |
| Beta (3Y vs SPY)0.42 |
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 |
|---|---|---|---|---|
| ALLIANCEBERNSTEIN L.P. | 835,165 | $15M | 9.54% | −8.0% |
| BlackRock, Inc. | 567,345 | $11M | 6.48% | +3.4% |
| VANGUARD CAPITAL MANAGEMENT LLC | 371,457 | $7M | 4.24% | new |
| GEODE CAPITAL MANAGEMENT, LLC | 165,508 | $3M | 1.89% | −10.1% |
| GENDELL JEFFREY L | 141,262 | $3M | 1.61% | +0.0% |
| Oppenheimer & Close, LLC | 134,533 | $3M | 1.54% | −10.3% |
| DIMENSIONAL FUND ADVISORS LP | 120,933 | $2M | 1.38% | +4.7% |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 115,248 | $2M | 1.32% | +0.0% |
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 | 2026-04-24 | $0.13 | −38.1% | $9.6M | +5.1% |
| 2025-12-31 | 2026-01-23 | — | — | $10.5M | +9.2% |
| 2025-09-30 | 2025-10-20 | $0.41 | +17.1% | $10.0M | +0.4% |
| 2025-06-30 | 2025-07-18 | $0.29 | −9.4% | $9.9M | +3.8% |
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 2026-10-23 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Debit Card 60% · Deposit Account 40%
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% |
| Debt / equity0.19× |
| EPS growth 3Y2.7% |
| 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.
