Financials · National Commercial Banks · Nasdaq · CIK 712534 · FYE Dec 31 · Prices AT CLOSE 2026-08-21 (USD) Last $42.03 · Day +0.21% · Mkt cap $2.6B · P/E (FY) 10.8× · 1Y +9.9% · Off 52W high −7.3% · Vol (1Y) 24.2% Price2023-08-21 → 2026-08-21 FRME close: $30.0 on 2023-08-21 to $42.0 on 2026-08-21. Split-adj closes · 240 of 5,309 · price returnⓘ At a glance | Short interest3.0% of sh out | | Days to cover3.6d | | 13F net flow (QoQ)+5.33% | | Top-10 13F concentration51.7% | | Next report (est.)2026-10-21 |
SI 2026-07-31 · 13F 2026-Q1ⓘ Key fundamentalsFY 2025 | P/E (FY)10.8× | | Sales (TTM)$659.8M | | Earnings (TTM)$198.8M | | ROE9.5% | | Net margin34.1% | | EPS growth 3Y0.6% | | Sales growth 3Y1.8% |
FY ratios · TTM sales/earnings (USD)ⓘ Trailing returns | YTD+14.3% | | 1Y+9.9% | | 3Y+60.1% | | 5Y+23.2% | | 10Y+113.5% | | Since incept. (ann.)+5.1% |
Total return · from 2005-07-11ⓘ Risk | Ann. volatility (1Y)24.2% | | Ann. volatility (3Y)29.4% | | Sharpe (1Y)0.54 | | Sharpe (3Y)0.68 | | Max drawdown (1Y)−15.7% | | Max drawdown (3Y)−23.9% | | Beta (3Y vs SPY)0.94 |
Daily returns, ann.ⓘ Top institutional holders13F 2026-Q1 | Manager | Shares | Value | % sh out | QoQ |
|---|
| BlackRock, Inc. | 4.9M | $190M | 7.73% | +5.5% | | DIMENSIONAL FUND ADVISORS LP | 3.6M | $139M | 5.67% | +8.4% | | VANGUARD PORTFOLIO MANAGEMENT LLC | 3.4M | $130M | 5.30% | new | | VANGUARD CAPITAL MANAGEMENT LLC | 2.7M | $106M | 4.31% | new | | EARNEST PARTNERS LLC | 2.3M | $87M | 3.56% | −2.4% | | STATE STREET CORP | 2.2M | $87M | 3.53% | +13.4% | | GEODE CAPITAL MANAGEMENT, LLC | 1.6M | $61M | 2.48% | +9.9% | | GOLDMAN SACHS GROUP INC | 1.1M | $44M | 1.79% | +22.4% |
Δ vs 2025-Q4ⓘ Latest reported quarterslast report 2026-07-22 | Period end | Reported | EPS | EPS YoY | Revenue | Rev YoY |
|---|
| 2026-03-31 | 2026-04-22 | $0.45 | −52.1% | $157.1M | −2.0% | | 2025-12-31 | 2026-01-26 | $0.98 | −10.1% | $172.2M | −2.8% | | 2025-09-30 | 2025-10-22 | $0.98 | +16.7% | $166.1M | +6.5% | | 2025-06-30 | 2025-07-23 | $0.98 | +44.1% | $164.3M | +2.8% |
As-reported XBRL · next 2026-10-21 est.ⓘ Segment mixFY2025 (ended Dec 2025) Fiduciary And Trust 38% · Deposit Account 36% · Credit Card 21% · Derivative Hedging 4% · Financial Service Other 2% 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
| 
