Financials · State Commercial Banks · NYSE · CIK 711669 · FYE Dec 31 · Prices AT CLOSE 2026-07-30 (USD) — end-of-day, never a live or intraday quote
Last $21.75Day −1.41%Mkt cap $467MP/E (FY) 13.9×1Y +35.2%Off 52W high −2.4%Vol (1Y) 25.8%
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)$17.48 |
| Implied upside−20.8% |
| Valuation confidenceMEDIUM |
| Short interest3.8% of sh out |
| Days to cover2.5d |
| 13F net flow (QoQ)+3.28% |
| Top-10 13F concentration67.0% |
| Next report (est.)2026-10-21 |
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)13.9× |
| Sales (TTM)$142.1M |
| Earnings (TTM)$29.8M |
| ROE8.6% |
| YTD+23.5% |
| 1Y+35.2% |
| 3Y+123.4% |
| 5Y+42.1% |
| 10Y+187.0% |
| Since incept. (ann.)−0.1% |
Total return through 2026-07-30 · series begins 2005-07-11. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)25.8% |
| Ann. volatility (3Y)28.3% |
| Sharpe (1Y)1.29 |
| Sharpe (3Y)1.10 |
| Max drawdown (1Y)−12.8% |
| Max drawdown (3Y)−20.9% |
| Beta (3Y vs SPY)0.68 |
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 |
|---|---|---|---|---|
| Fourthstone LLC | 2.1M | $41M | 9.76% | +20.7% |
| BlackRock, Inc. | 2.0M | $39M | 9.29% | +8.2% |
| VANGUARD CAPITAL MANAGEMENT LLC | 958,599 | $19M | 4.53% | new |
| DIMENSIONAL FUND ADVISORS LP | 737,755 | $15M | 3.49% | +2.1% |
| GEODE CAPITAL MANAGEMENT, LLC | 476,662 | $10M | 2.25% | +23.6% |
| Petiole USA ltd | 454,763 | $9M | 2.15% | −1.7% |
| AMERICAN CENTURY COMPANIES INC | 441,611 | $9M | 2.09% | +26.5% |
| BANC FUNDS CO LLC | 419,478 | $8M | 1.98% | −1.9% |
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 | 2026-04-22 | $0.39 | +2.6% | $39.9M | +33.0% |
| 2025-12-31 | 2026-01-28 | — | — | $36.9M | +19.9% |
| 2025-09-30 | 2025-10-22 | $0.33 | +3.1% | $32.8M | +14.6% |
| 2025-06-30 | 2025-07-23 | $0.46 | +48.4% | $32.5M | +16.4% |
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 2026-10-21 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Mortgage Banking 38% · Credit Card 33% · Bank Servicing 29%
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 margin21.4% |
| Debt / equity0.69× |
| EPS growth 3Y11.7% |
| Sales growth 3Y4.5% |
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.
