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SPZCOFINANCIAL INSTITUTIONS INC · FISIData at close 2026-07-28
Financials · National Commercial Banks · Nasdaq · CIK 862831 · FYE Dec 31 · Prices AT CLOSE 2026-07-28 (USD) — end-of-day, never a live or intraday quote
FISI close: $19.7 on 2023-07-28 to $42.2 on 2026-07-28.
Daily closing price, split-adjusted to the current basis; 3y shown of 5,292 bars on file. Sampled to 240 points — every point is a real close, none averaged. Price return, not total return (dividends excluded). Source marketstack.
At a glance
Fair value (model)$36.79
Implied upside−12.7%
Valuation confidenceMEDIUM
Short interest2.8% of sh out
Days to cover3.8d
13F net flow (QoQ)−0.35%
Top-10 13F concentration58.0%
Next report (est.)2026-10-22
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.
Key fundamentalsFY 2025
P/E (FY)11.7×
Sales (TTM)$250.4M
Earnings (TTM)$79.0M
ROE12.5%
Trailing returns
YTD+37.9%
1Y+65.9%
3Y+150.2%
5Y+84.5%
10Y+139.0%
Since incept. (ann.)+7.2%
Total return through 2026-07-28 · series begins 2005-07-11. Only the windows this history actually covers are shown.
Risk
Ann. volatility (1Y)26.7%
Ann. volatility (3Y)33.6%
Sharpe (1Y)2.06
Sharpe (3Y)1.17
Max drawdown (1Y)−13.7%
Max drawdown (3Y)−27.8%
Beta (3Y vs SPY)0.80
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.
Top institutional holders13F 2026-Q1
Manager
Shares
Value
% sh out
QoQ
PL Capital Advisors, LLC
1.8M
$58M
9.23%
+0.7%
BlackRock, Inc.
1.5M
$47M
7.51%
+1.1%
DIMENSIONAL FUND ADVISORS LP
957,667
$30M
4.86%
+0.2%
ADAGE CAPITAL PARTNERS GP, L.L.C.
948,441
$30M
4.82%
−2.4%
WELLINGTON MANAGEMENT GROUP LLP
900,493
$29M
4.57%
−14.2%
VANGUARD CAPITAL MANAGEMENT LLC
835,538
$26M
4.24%
new
STATE STREET CORP
579,119
$19M
2.94%
+14.1%
GEODE CAPITAL MANAGEMENT, LLC
568,696
$18M
2.89%
+17.9%
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.
Latest reported quarterslast report 2026-04-23
Period end
Reported
EPS
EPS YoY
Revenue
Rev YoY
2026-03-31
2026-04-23
$1.04
+28.4%
$62.7M
+9.5%
2025-12-31
2026-01-29
—
—
$64.1M
—
2025-09-30
2025-10-23
$0.99
+17.9%
$63.8M
+27.4%
2025-06-30
2025-07-24
$0.85
−47.5%
$59.7M
−8.4%
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 2026-10-22 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Basis & disclosures
End-of-day only. Every price on this sheet is a stored CLOSE — the last one is 2026-07-28. Nothing here is live, intraday or delayed-real-time, and the sheet does not update after it is printed.
Nothing is imputed. A figure that is not in the underlying filing or feed renders as “—”. We never fill a gap with an estimate, a peer median or a carried-forward value.
Mixed as-of dates by design. Prices are at the last close; fundamentals are at the latest reported fiscal period; 13F ownership is at the latest filed quarter (45+ days in arrears); short interest is the latest FINRA settlement. Each block states its own basis above.
Not investment advice. Model fair values, reverse-DCF grades and confidence labels are the output of published, disclosed methods on public filings — they are analysis, not a recommendation, a price target or a solicitation.
Fundamentals and ownership derive from SEC EDGAR (and equivalent foreign registers); prices from a licensed end-of-day vendor, shown under a neutral source label. Full methodology at spzco.com/methodology.
Net margin30.6%
Debt / equity0.31×
EPS growth 3Y0.5%
Sales growth 3Y4.7%
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.
