Financials · Savings Institutions, Not Federally Chartered · Nasdaq · CIK 1436425 · FYE Dec 31 · Prices AT CLOSE 2026-07-28 (USD) — end-of-day, never a live or intraday quote
Last $71.60Day +1.88%Mkt cap $562MP/E (FY) 12.2×1Y +33.0%Off 52W high −0.6%Vol (1Y) 26.0%
Daily closing price, split-adjusted to the current basis; 3y shown of 4,474 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)$62.51 |
| Implied upside−12.7% |
| Valuation confidenceMEDIUM |
| Short interest4.0% of sh out |
| Days to cover3.8d |
| 13F net flow (QoQ)+0.46% |
| Top-10 13F concentration55.7% |
| Next report (est.)2026-10-19 |
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)12.2× |
| Sales (TTM)$151.2M |
| Earnings (TTM)$46.5M |
| ROE11.1% |
| YTD+25.1% |
| 1Y+33.0% |
| 3Y+109.4% |
| 5Y+126.3% |
| 10Y+213.3% |
| Since incept. (ann.)+12.7% |
Total return through 2026-07-28 · series begins 2008-10-08. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)26.0% |
| Ann. volatility (3Y)31.3% |
| Sharpe (1Y)1.24 |
| Sharpe (3Y)0.98 |
| Max drawdown (1Y)−10.1% |
| Max drawdown (3Y)−21.7% |
| Beta (3Y vs SPY)0.48 |
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 |
|---|---|---|---|---|
| DIMENSIONAL FUND ADVISORS LP | 429,581 | $26M | 5.48% | +1.8% |
| BlackRock, Inc. | 411,940 | $25M | 5.25% | −1.6% |
| VANGUARD CAPITAL MANAGEMENT LLC | 295,778 | $18M | 3.77% | new |
| AMERICAN CENTURY COMPANIES INC | 186,588 | $11M | 2.38% | +15.9% |
| GEODE CAPITAL MANAGEMENT, LLC | 164,365 | $10M | 2.10% | +3.4% |
| Crawford Fund Management, LLC | 161,459 | $10M | 2.06% | −5.3% |
| STATE STREET CORP | 161,269 | $10M | 2.06% | −2.2% |
| AQR CAPITAL MANAGEMENT LLC | 118,312 | $7M | 1.51% | +14.6% |
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 | 2026-04-20 | $1.45 | +5.8% | $38.2M | +6.9% |
| 2025-12-31 | 2026-01-26 | — | — | $38.0M | +8.0% |
| 2025-09-30 | 2025-10-20 | $1.59 | +34.7% | $37.8M | +11.1% |
| 2025-06-30 | 2025-07-21 | $1.45 | +42.2% | $37.1M | +11.8% |
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 2026-10-19 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Credit Card 55% · Deposit Account 45%
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 margin31.0% |
| EPS growth 3Y12.2% |
| Sales growth 3Y4.1% |
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.
