Financials · State Commercial Banks · OTC · CIK 880417 · FYE Dec 31 · Prices AT CLOSE 2026-07-28 (USD) — end-of-day, never a live or intraday quote
Last $72.99Day +0.00%Mkt cap $192MP/E (FY) 14.4×1Y +70.9%Off 52W high −2.7%Vol (1Y) 26.8%
Daily closing price, split-adjusted to the current basis; 3y shown of 2,364 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)$58.67 |
| Implied upside−19.6% |
| Valuation confidenceMEDIUM |
| Short interest0.0% of sh out |
| Days to cover4.2d |
| 13F net flow (QoQ)−0.02% |
| Top-10 13F concentration100.0% |
| Next report (est.)2026-10-19 |
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)14.4× |
| Sales (TTM)$51.6M |
| Earnings (TTM)$14.2M |
| ROE11.1% |
| YTD+37.1% |
| 1Y+70.9% |
| 3Y+110.9% |
| 5Y+139.0% |
| 10Y+300.0% |
| Since incept. (ann.)+14.8% |
Total return through 2026-07-28 · series begins 2016-07-11. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)26.8% |
| Ann. volatility (3Y)28.5% |
| Sharpe (1Y)2.15 |
| Sharpe (3Y)1.07 |
| Max drawdown (1Y)−8.7% |
| Max drawdown (3Y)−12.8% |
| Beta (3Y vs SPY)−0.06 |
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 |
|---|---|---|---|---|
| Cutler Capital Management, LLC | 66,563 | $4M | 2.53% | −0.7% |
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 | $1.69 | +23.4% | $13.3M | +17.2% |
| 2025-12-31 | 2026-01-28 | — | — | $13.4M | +17.9% |
| 2025-09-30 | 2025-10-21 | $1.57 | +33.1% | $12.8M | +16.2% |
| 2025-06-30 | 2025-07-22 | $1.41 | +131.1% | $12.1M | +13.7% |
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 2026-10-19 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Debit Card 42% · Deposit Account 23% · Fiduciary And Trust 22% · Credit Card 13%
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 margin26.9% |
| Debt / equity0.01× |
| EPS growth 3Y1.1% |
| Sales growth 3Y8.4% |
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.
