Financials · State Commercial Banks · Nasdaq · CIK 763563 · FYE Dec 31 · Prices AT CLOSE 2026-07-29 (USD) — end-of-day, never a live or intraday quote
Last $81.84Day −0.18%Mkt cap $394MP/E (FY) 26.1×1Y +61.0%Off 52W high −2.0%Vol (1Y) 30.7%
Daily closing price, split-adjusted to the current basis; 3y shown of 5,293 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)$49.09 |
| Implied upside−40.0% |
| Valuation confidenceMEDIUM |
| Short interest1.8% of sh out |
| Days to cover1.5d |
| 13F net flow (QoQ)−0.14% |
| Top-10 13F concentration69.4% |
| Next report (est.)2026-10-18 |
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)26.1× |
| Sales (TTM)$99.3M |
| Earnings (TTM)$18.3M |
| ROE6.4% |
| YTD+48.3% |
| 1Y+61.0% |
| 3Y+107.4% |
| 5Y+107.1% |
| 10Y+239.7% |
| Since incept. (ann.)+8.2% |
Total return through 2026-07-29 · series begins 2005-07-11. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)30.7% |
| Ann. volatility (3Y)28.4% |
| Sharpe (1Y)1.69 |
| Sharpe (3Y)1.01 |
| Max drawdown (1Y)−20.6% |
| Max drawdown (3Y)−25.1% |
| Beta (3Y vs SPY)0.95 |
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. | 361,827 | $19M | 7.51% | −1.8% |
| CHEMUNG CANAL TRUST CO | 286,152 | $15M | 5.94% | −0.0% |
| DIMENSIONAL FUND ADVISORS LP | 181,841 | $10M | 3.77% | +1.2% |
| VANGUARD CAPITAL MANAGEMENT LLC | 173,244 | $9M | 3.59% | new |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | 157,633 | $8M | 3.27% | +13.0% |
| PL Capital Advisors, LLC | 109,336 | $6M | 2.27% | +0.0% |
| GEODE CAPITAL MANAGEMENT, LLC | 90,464 | $5M | 1.88% | −1.7% |
| ACADIAN ASSET MANAGEMENT LLC | 78,421 | $4M | 1.63% | +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 | 2026-04-17 | $1.91 | +51.6% | $29.9M | +16.3% |
| 2025-12-31 | 2026-01-26 | — | — | $30.5M | +17.9% |
| 2025-09-30 | 2025-10-21 | $1.62 | +36.1% | $28.8M | +18.4% |
| 2025-06-30 | 2025-07-17 | −$1.35 | −228.6% | $10.1M | −56.7% |
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 2026-10-18 is ESTIMATED from filing cadence (median gap 92d) — not company-confirmed.
WMGFee Income 31% · Wealth Management Group Services 31% · Service Chargeon Deposits 12% · Interchange Revenue 11% · Overdraft Fees 7%
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 margin15.9% |
| EPS growth 3Y−20.0% |
| Sales growth 3Y−0.2% |
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.
