Financials · Savings Institution, Federally Chartered · Nasdaq · CIK 919864 · FYE Dec 31 · Prices AT CLOSE 2026-07-29 (USD) — end-of-day, never a live or intraday quote
Last $44.24Day −0.32%Mkt cap $192MP/E (FY) 23.5×1Y +61.3%Off 52W high −1.7%Vol (1Y) 35.9%
Daily closing price, split-adjusted to the current basis; 3y shown of 1,287 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)$36.23 |
| Implied upside−18.1% |
| Valuation confidenceLOW |
| Short interest2.0% of sh out |
| Days to cover8.5d |
| 13F net flow (QoQ)−0.90% |
| Top-10 13F concentration76.5% |
| 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)23.5× |
| Sales (TTM)$68.0M |
| Earnings (TTM)$9.9M |
| ROE5.0% |
| YTD+26.6% |
| 1Y+61.3% |
| 3Y+89.5% |
| 5Y+13.2% |
| Since incept. (ann.)+2.2% |
Total return through 2026-07-29 · series begins 2021-06-01. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)35.9% |
| Ann. volatility (3Y)30.5% |
| Sharpe (1Y)1.54 |
| Sharpe (3Y)0.83 |
| Max drawdown (1Y)−23.5% |
| Max drawdown (3Y)−27.1% |
| Beta (3Y vs SPY)−0.01 |
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 |
|---|---|---|---|---|
| ALLIANCEBERNSTEIN L.P. | 413,735 | $15M | 9.56% | +0.2% |
| PL Capital Advisors, LLC | 395,716 | $14M | 9.14% | +0.0% |
| VANGUARD CAPITAL MANAGEMENT LLC | 162,302 | $6M | 3.75% | new |
| BlackRock, Inc. | 160,243 | $6M | 3.70% | −0.9% |
| Finward Bancorp | 131,560 | $5M | 3.04% | −3.5% |
| ENDEAVOUR CAPITAL ADVISORS INC | 99,543 | $4M | 2.30% | +0.0% |
| GEODE CAPITAL MANAGEMENT, LLC | 80,650 | $3M | 1.86% | −1.6% |
| WELLINGTON MANAGEMENT GROUP LLP | 55,210 | $2M | 1.28% | +2.1% |
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 | $0.52 | +372.7% | $17.5M | +12.5% |
| 2025-12-31 | 2026-01-27 | — | — | $16.5M | +1.1% |
| 2025-09-30 | 2025-10-28 | $0.81 | +478.6% | $17.4M | +16.7% |
| 2025-06-30 | 2025-07-29 | $0.50 | +1566.7% | $16.6M | +13.7% |
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.
| Net margin12.2% |
| EPS growth 3Y−19.5% |
| Sales growth 3Y−5.7% |
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.
