Financials · State Commercial Banks · NYSE · CIK 1297107 · FYE Dec 31 · Prices AT CLOSE 2026-07-28 (USD) — end-of-day, never a live or intraday quote
Last $27.68Day +1.47%Mkt cap $333MP/E (FY) 12.8×1Y +31.3%Off 52W high −1.2%Vol (1Y) 21.4%
Daily closing price, split-adjusted to the current basis; 3y shown of 1,547 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)$24.00 |
| Implied upside−13.3% |
| Valuation confidenceLOW |
| Short interest0.9% of sh out |
| Days to cover1.0d |
| 13F net flow (QoQ)+2.61% |
| Top-10 13F concentration70.2% |
| Next report (est.)2026-10-17 |
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)12.8× |
| Sales (TTM)$85.0M |
| Earnings (TTM)$26.2M |
| ROE10.9% |
| YTD+19.1% |
| 1Y+31.3% |
| 3Y+93.6% |
| 5Y+65.3% |
| Since incept. (ann.)+34.4% |
Price return through 2026-07-28 · series begins 2017-09-07. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)21.4% |
| Ann. volatility (3Y)31.2% |
| Sharpe (1Y)1.42 |
| Sharpe (3Y)0.86 |
| Max drawdown (1Y)−11.6% |
| Max drawdown (3Y)−12.6% |
| Beta (3Y vs SPY)0.14 |
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 |
|---|---|---|---|---|
| Patriot Financial Partners GP II, L.P. | 1.2M | $29M | 9.63% | +61.2% |
| Fourthstone LLC | 1.1M | $27M | 9.14% | +14.7% |
| BlackRock, Inc. | 492,033 | $12M | 4.09% | +51.7% |
| VANGUARD CAPITAL MANAGEMENT LLC | 406,427 | $10M | 3.38% | new |
| ALLIANCEBERNSTEIN L.P. | 397,573 | $9M | 3.30% | −6.4% |
| Berkeley Capital Partners, LLC | 360,562 | $9M | 3.00% | −1.4% |
| MENDON CAPITAL ADVISORS CORP | 329,743 | $8M | 2.74% | +24.1% |
| North Reef Capital Management LP | 320,982 | $8M | 2.67% | +21.6% |
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 | 2026-04-20 | $0.51 | +8.5% | $21.7M | +16.5% |
| 2025-12-31 | 2026-01-20 | — | — | $22.2M | — |
| 2025-09-30 | 2025-10-21 | $0.54 | −28.0% | $21.3M | +6.8% |
| 2025-06-30 | 2025-07-28 | $0.57 | +1.8% | $19.9M | +8.7% |
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 2026-10-17 is ESTIMATED from filing cadence (median gap 90d) — not company-confirmed.
Debit Card 26% · Interchange Income And Card Fees 26% · Service Charges On Deposit Accounts 23% · Deposit Account 23% · Other Noninterest Income 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 margin30.4% |
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.
