Financials · State Commercial Banks · Nasdaq · CIK 880641 · FYE Dec 31 · Prices AT CLOSE 2026-08-21 (USD) Last $42.31 · Day −0.42% · Mkt cap $229M · P/E (FY) 26.6× · 1Y +25.0% · Off 52W high −6.9% · Vol (1Y) 25.0% Price2023-08-21 → 2026-08-21 EFSI close: $32.0 on 2023-08-21 to $42.3 on 2026-08-21. Split-adj closes · 240 of 3,815 · price returnⓘ At a glance | Short interest1.7% of sh out | | Days to cover1.4d | | 13F net flow (QoQ)−1.58% | | Top-10 13F concentration80.1% | | Next report (est.)2026-10-22 |
SI 2026-07-31 · 13F 2026-Q1ⓘ Key fundamentalsFY 2025 | P/E (FY)26.6× | | Sales (TTM)$90.5M | | Earnings (TTM)$18.6M | | ROE5.3% | | Net margin11.8% | | EPS growth 3Y−27.5% | | Sales growth 3Y3.6% |
FY ratios · TTM sales/earnings (USD)ⓘ Trailing returns | YTD+8.9% | | 1Y+25.0% | | 3Y+47.6% | | 5Y+47.6% | | 10Y+139.3% | | Since incept. (ann.)+7.3% |
Total return · from 2003-08-19ⓘ Risk | Ann. volatility (1Y)25.0% | | Ann. volatility (3Y)21.4% | | Sharpe (1Y)1.02 | | Sharpe (3Y)0.72 | | Max drawdown (1Y)−21.2% | | Max drawdown (3Y)−21.2% | | Beta (3Y vs SPY)0.55 |
Daily returns, ann.ⓘ Top institutional holders13F 2026-Q1 | Manager | Shares | Value | % sh out | QoQ |
|---|
| Fourthstone LLC | 532,199 | $19M | 9.83% | +17.2% | | BlackRock, Inc. | 280,532 | $10M | 5.18% | −0.9% | | WELLINGTON MANAGEMENT GROUP LLP | 280,400 | $10M | 5.18% | −12.2% | | VANGUARD CAPITAL MANAGEMENT LLC | 243,742 | $9M | 4.50% | new | | GRAHAM CAPITAL WEALTH MANAGEMENT, LLC | 137,035 | $5M | 2.53% | +6.8% | | ALLIANCEBERNSTEIN L.P. | 103,716 | $4M | 1.92% | −15.9% | | MALTESE CAPITAL MANAGEMENT LLC | 107,145 | $4M | 1.98% | −17.0% | | GEODE CAPITAL MANAGEMENT, LLC | 103,209 | $4M | 1.91% | −2.5% |
Δ vs 2025-Q4ⓘ Latest reported quarterslast report 2026-07-23 | Period end | Reported | EPS | EPS YoY | Revenue | Rev YoY |
|---|
| 2026-06-30 | 2026-07-23 | $0.92 | −6.1% | $25.6M | +24.0% | | 2026-03-31 | 2026-04-23 | $0.69 | — | $20.8M | +335.6% | | 2025-12-31 | 2026-01-26 | $0.81 | −53.4% | $21.7M | −1.3% | | 2025-09-30 | 2025-10-23 | $1.04 | +7.2% | $22.4M | +21.5% |
As-reported XBRL · next 2026-10-22 est.ⓘ Segment mixFY2025 (ended Dec 2025) Asset Management 44% · Interchange Fees 26% · Overdrawn Account Fees 12% · Brokerage Commissions 10% · Monthlyand Other Service Fees 4% product & service · TAGGED revenueⓘ Basis & disclosures - EOD closes · nothing imputed or averaged · absent “—”
- As-of differs by block · 13F = US long, 45+d lag, LOWER bound
- Not investment advice · no recommendation, price target or solicitation
- EDGAR + foreign registers · marketstack (licensed EOD) · spzco.com/methodology
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