Financials · Savings Institution, Federally Chartered · Nasdaq · CIK 1500375 · FYE Jun 30 · Prices AT CLOSE 2026-08-28 (USD) Last $25.42 · Day −0.33% · Mkt cap $78M · P/E (FY) 20.2× · 1Y +94.2% · Off 52W high −9.2% · Vol (1Y) 40.6% Price2023-08-28 → 2026-08-28 HFBL close: $15.3 on 2023-08-28 to $25.4 on 2026-08-28. Split-adj closes · 240 of 4,824 · price returnⓘ At a glance | Short interest0.1% of sh out | | Days to cover1.6d | | 13F net flow (QoQ)−0.43% | | Top-10 13F concentration99.7% |
SI 2026-08-14 · 13F 2026-Q1ⓘ Key fundamentalsFY 2025 | P/E (FY)20.2× | | Sales (TTM)$23.6M | | Earnings (TTM)$5.9M | | ROE7.2% | | Net margin18.8% | | EPS growth 3Y−3.7% | | Sales growth 3Y−0.3% |
FY ratios · TTM sales/earnings (USD)ⓘ Trailing returns | YTD+43.3% | | 1Y+94.2% | | 3Y+84.6% | | 5Y+66.2% | | 10Y+184.9% | | Since incept. (ann.)+10.5% |
Total return · from 2007-06-20ⓘ Risk | Ann. volatility (1Y)40.6% | | Ann. volatility (3Y)40.0% | | Sharpe (1Y)1.92 | | Sharpe (3Y)0.71 | | Max drawdown (1Y)−18.6% | | Max drawdown (3Y)−28.6% | | Beta (3Y vs SPY)0.62 |
Daily returns, ann.ⓘ Top institutional holders13F 2026-Q1 | Manager | Shares | Value | % sh out | QoQ |
|---|
| STILWELL VALUE LLC | 80,000 | $1M | 2.60% | +0.0% | | VANGUARD CAPITAL MANAGEMENT LLC | 41,135 | $711,636 | 1.34% | new | | ALLIANCEBERNSTEIN L.P. | 36,588 | $658,584 | 1.19% | −21.5% | | DIMENSIONAL FUND ADVISORS LP | 14,511 | $251,041 | 0.47% | +0.0% | | GEODE CAPITAL MANAGEMENT, LLC | 14,228 | $246,252 | 0.46% | −15.4% | | VANGUARD FIDUCIARY TRUST CO | 9,875 | $170,838 | 0.32% | new | | BlackRock, Inc. | 4,768 | $82,487 | 0.16% | −5.2% | | NewEdge Advisors, LLC | 4,000 | $69,200 | 0.13% | +0.0% |
Δ vs 2025-Q4ⓘ Latest reported quarterslast report 2026-04-30 | Period end | Reported | EPS | EPS YoY | Revenue | Rev YoY |
|---|
| 2026-03-31 | 2026-04-30 | $0.48 | +100.0% | $6.0M | +15.7% | | 2025-12-31 | 2026-01-28 | $0.54 | +63.6% | $6.0M | +18.2% | | 2025-09-30 | 2025-10-23 | $0.52 | +67.7% | $5.9M | +25.0% | | 2025-06-30 | 2025-07-29 | $0.38 | +81.0% | $5.6M | +16.1% |
As-reported XBRLⓘ Segment mixFY2025 (ended Jun 2025) Fees Non Sufficient Funds 63% · Debit Card Interchange Fees 49% · ATMSurcharge Income 8% 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
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