Financials · State Commercial Banks · Nasdaq · CIK 1478454 · FYE Dec 31 · Prices AT CLOSE 2026-07-29 (USD) — end-of-day, never a live or intraday quote
Last $24.05Day +2.04%Mkt cap $192MP/E (FY) 12.7×1Y +52.9%Off 52W high −2.5%Vol (1Y) 22.2%
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)$23.52 |
| Implied upside−0.2% |
| Valuation confidenceMEDIUM |
| Short interest2.7% of sh out |
| Days to cover4.5d |
| 13F net flow (QoQ)−1.56% |
| Top-10 13F concentration60.9% |
| Next report (est.)2026-10-27 |
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)12.7× |
| Sales (TTM)$94.2M |
| Earnings (TTM)$15.6M |
| ROE8.1% |
| YTD+22.4% |
| 1Y+52.9% |
| 3Y+103.9% |
| 5Y+28.7% |
| 10Y+134.8% |
| 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)22.2% |
| Ann. volatility (3Y)23.1% |
| Sharpe (1Y)1.99 |
| Sharpe (3Y)1.14 |
| Max drawdown (1Y)−13.3% |
| Max drawdown (3Y)−22.2% |
| Beta (3Y vs SPY)0.49 |
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 | 551,952 | $11M | 6.93% | +61.0% |
| BlackRock, Inc. | 497,607 | $10M | 6.25% | −2.7% |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | 398,363 | $8M | 5.00% | −1.5% |
| VANGUARD CAPITAL MANAGEMENT LLC | 349,715 | $7M | 4.39% | new |
| DIMENSIONAL FUND ADVISORS LP | 222,298 | $5M | 2.79% | +13.3% |
| GEODE CAPITAL MANAGEMENT, LLC | 172,483 | $4M | 2.17% | +0.8% |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | 101,016 | $2M | 1.27% | +0.3% |
| STATE STREET CORP | 91,548 | $2M | 1.15% | +13.6% |
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 | 2026-04-28 | $0.51 | +24.4% | $23.6M | +12.7% |
| 2025-12-31 | 2026-01-27 | — | — | $24.3M | +13.7% |
| 2025-09-30 | 2025-10-28 | $0.46 | +35.3% | $23.4M | +12.6% |
| 2025-06-30 | 2025-07-29 | $0.41 | +86.4% | $23.0M | +15.3% |
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 2026-10-27 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Commodity Sales 52% · Bank Servicing 34% · Debit Card 8% · Deposit Account 5%
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 margin16.2% |
| Debt / equity0.23× |
| EPS growth 3Y9.4% |
| Sales growth 3Y0.8% |
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.
