Financials · National Commercial Banks · Nasdaq · CIK 765207 · FYE Dec 31 · Prices AT CLOSE 2026-07-29 (USD) — end-of-day, never a live or intraday quote
Last $35.55Day +0.25%Mkt cap $401MP/E (FY) 11.6×1Y +46.2%Off 52W high −1.1%Vol (1Y) 26.8%
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)$30.09 |
| Implied upside−15.4% |
| Valuation confidenceMEDIUM |
| Short interest1.0% of sh out |
| Days to cover4.0d |
| 13F net flow (QoQ)−0.33% |
| Top-10 13F concentration73.9% |
| Next report (est.)2026-10-21 |
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)11.6× |
| Sales (TTM)$94.7M |
| Earnings (TTM)$34.4M |
| ROE12.8% |
| YTD+39.6% |
| 1Y+46.2% |
| 3Y+58.9% |
| 5Y+58.0% |
| 10Y+158.4% |
| 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)26.8% |
| Ann. volatility (3Y)30.4% |
| Sharpe (1Y)1.51 |
| Sharpe (3Y)0.65 |
| Max drawdown (1Y)−11.3% |
| Max drawdown (3Y)−25.0% |
| Beta (3Y vs SPY)0.51 |
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 |
|---|---|---|---|---|
| BlackRock, Inc. | 856,089 | $24M | 7.59% | −1.1% |
| First Bancorp, Inc /ME/ | 741,517 | $21M | 6.58% | −0.8% |
| DIMENSIONAL FUND ADVISORS LP | 459,704 | $13M | 4.08% | −0.5% |
| VANGUARD CAPITAL MANAGEMENT LLC | 406,148 | $11M | 3.60% | new |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | 378,034 | $11M | 3.35% | −0.8% |
| GEODE CAPITAL MANAGEMENT, LLC | 239,986 | $7M | 2.13% | −0.9% |
| STATE STREET CORP | 224,067 | $6M | 1.99% | +0.1% |
| MORGAN STANLEY | 188,691 | $5M | 1.67% | −1.5% |
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 | 2026-04-22 | $0.80 | — | $25.1M | — |
| 2025-12-31 | 2026-01-21 | $0.91 | +37.9% | $25.8M | +17.5% |
| 2024-12-31 | 2025-01-22 | $0.66 | +10.0% | $22.0M | +10.2% |
| 2023-12-31 | 2024-01-24 | $0.60 | −27.7% | $20.0M | −14.4% |
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 2026-10-21 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Debit Card 39% · Fiduciary And Trust 39% · Deposit Account 16% · Mortgage Banking 6%
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 margin36.3% |
| Debt / equity0.34× |
| EPS growth 3Y−4.5% |
| Sales growth 3Y0.6% |
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.
