Financials · State Commercial Banks · Nasdaq · CIK 803164 · FYE Dec 31 · Prices AT CLOSE 2026-07-30 (USD) — end-of-day, never a live or intraday quote
Last $33.83Day −1.57%Mkt cap $515MP/E (FY) 17.1×1Y +17.7%Off 52W high −4.4%Vol (1Y) 28.5%
Daily closing price, split-adjusted to the current basis; 3y shown of 5,284 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)$28.45 |
| Implied upside−17.2% |
| Valuation confidenceMEDIUM |
| Short interest2.0% of sh out |
| Days to cover3.5d |
| 13F net flow (QoQ)+2.88% |
| Top-10 13F concentration62.2% |
| 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)17.1× |
| Sales (TTM)$189.6M |
| Earnings (TTM)$55.8M |
| ROE7.8% |
| YTD+15.8% |
| 1Y+17.7% |
| 3Y+55.1% |
| 5Y+71.5% |
| 10Y+124.4% |
| Since incept. (ann.)+7.3% |
Total return through 2026-07-30 · series begins 2005-07-11. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)28.5% |
| Ann. volatility (3Y)38.6% |
| Sharpe (1Y)0.68 |
| Sharpe (3Y)0.58 |
| Max drawdown (1Y)−15.3% |
| Max drawdown (3Y)−34.9% |
| Beta (3Y vs SPY)1.44 |
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. | 963,229 | $27M | 6.43% | +0.1% |
| NORTHERN TRUST CORP | 691,783 | $19M | 4.62% | +467.2% |
| VANGUARD CAPITAL MANAGEMENT LLC | 633,148 | $18M | 4.23% | new |
| ALLIANCEBERNSTEIN L.P. | 358,495 | $11M | 2.39% | +2.9% |
| GEODE CAPITAL MANAGEMENT, LLC | 350,635 | $10M | 2.34% | +5.9% |
| STATE STREET CORP | 321,173 | $9M | 2.14% | +2.2% |
| DIMENSIONAL FUND ADVISORS LP | 240,425 | $7M | 1.60% | +18.5% |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | 226,080 | $6M | 1.51% | new |
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 | $0.91 | — | $59.1M | +31.7% |
| 2025-12-31 | 2026-01-30 | — | — | $42.9M | +76.4% |
| 2025-09-30 | 2025-11-10 | $0.97 | +14.1% | $44.7M | +78.1% |
| 2025-06-30 | 2025-07-25 | $0.90 | +3.4% | $42.8M | +90.7% |
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 2026-10-23 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Interchange Income 41% · Customer Service Charges 32% · Trust Fee Income 13% · Insurance And Investment Commission Income 10% · Other Charges And Fees For Customer Services 4%
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 margin12.4% |
| EPS growth 3Y−13.9% |
| Sales growth 3Y36.7% |
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.
