Financials · State Commercial Banks · NYSE · CIK 1227500 · FYE Dec 31 · Prices AT CLOSE 2026-07-29 (USD) — end-of-day, never a live or intraday quote
Last $50.72Day −0.51%Mkt cap $1.0BP/E (FY) 41.2×1Y +35.7%Off 52W high −1.9%Vol (1Y) 24.8%
Daily closing price, split-adjusted to the current basis; 3y shown of 2,690 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)$30.68 |
| Implied upside−39.5% |
| Valuation confidenceLOW |
| Short interest2.7% of sh out |
| Days to cover3.2d |
| 13F net flow (QoQ)−1.95% |
| Top-10 13F concentration66.6% |
| Next report (est.)2026-10-13 |
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)41.2× |
| Sales (TTM)$232.6M |
| Earnings (TTM)$24.7M |
| ROE3.4% |
| YTD+14.5% |
| 1Y+35.7% |
| 3Y+95.6% |
| 5Y+80.9% |
| 10Y+141.1% |
| Since incept. (ann.)+8.0% |
Total return through 2026-07-29 · series begins 2015-11-11. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)24.8% |
| Ann. volatility (3Y)29.0% |
| Sharpe (1Y)1.32 |
| Sharpe (3Y)0.91 |
| Max drawdown (1Y)−12.4% |
| Max drawdown (3Y)−28.3% |
| Beta (3Y vs SPY)0.77 |
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 |
|---|---|---|---|---|
| T. Rowe Price Investment Management, Inc. | 2.1M | $93M | 10.12% | −2.4% |
| BlackRock, Inc. | 1.4M | $61M | 6.68% | +6.0% |
| Patriot Financial Partners GP II, L.P. | 1.2M | $53M | 5.79% | −1.9% |
| FJ Capital Management LLC | 921,074 | $41M | 4.46% | −24.9% |
| DIMENSIONAL FUND ADVISORS LP | 745,825 | $33M | 3.61% | +0.4% |
| VANGUARD CAPITAL MANAGEMENT LLC | 700,909 | $31M | 3.40% | new |
| WELLINGTON MANAGEMENT GROUP LLP | 620,616 | $28M | 3.01% | −12.8% |
| STATE STREET CORP | 498,083 | $22M | 2.41% | +8.8% |
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 | 2026-04-14 | $0.80 | −5.9% | $83.2M | +37.2% |
| 2025-12-31 | 2026-01-21 | — | — | $73.0M | +25.3% |
| 2025-09-30 | 2025-10-14 | −$1.55 | −221.1% | $18.0M | −67.5% |
| 2025-06-30 | 2025-07-14 | $0.86 | +13.2% | $58.4M | +5.3% |
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 2026-10-13 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Debit Card 54% · Financial Service 44% · Mortgage Banking 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 margin10.8% |
| Debt / equity0.61× |
| EPS growth 3Y−29.5% |
| Sales growth 3Y1.9% |
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.
