Financials · National Commercial Banks · Nasdaq · CIK 1750735 · FYE Dec 31 · Prices AT CLOSE 2026-07-30 (USD) — end-of-day, never a live or intraday quote
Last $20.04Day −1.52%Mkt cap $238MP/E (FY) 10.6×1Y +39.5%Off 52W high −7.5%Vol (1Y) 28.8%
Daily closing price, split-adjusted to the current basis; 3y shown of 2,188 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)$18.64 |
| Implied upside−7.0% |
| Valuation confidenceMEDIUM |
| Short interest1.6% of sh out |
| Days to cover1.7d |
| 13F net flow (QoQ)+0.21% |
| Top-10 13F concentration63.4% |
| Next report (est.)2026-10-22 |
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)10.6× |
| Sales (TTM)$130.0M |
| Earnings (TTM)$21.4M |
| ROE11.8% |
| YTD+15.6% |
| 1Y+39.5% |
| 3Y+89.4% |
| 5Y+80.1% |
| Since incept. (ann.)+12.7% |
Total return through 2026-07-30 · series begins 2017-11-07. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)28.8% |
| Ann. volatility (3Y)31.1% |
| Sharpe (1Y)1.30 |
| Sharpe (3Y)0.85 |
| Max drawdown (1Y)−16.1% |
| Max drawdown (3Y)−39.2% |
| Beta (3Y vs SPY)1.11 |
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 |
|---|---|---|---|---|
| Fourthstone LLC | 1.2M | $22M | 9.90% | +4.8% |
| STRATEGIC VALUE BANK PARTNERS LLC | 651,298 | $12M | 5.48% | +0.0% |
| BlackRock, Inc. | 558,532 | $11M | 4.70% | +2.9% |
| VANGUARD CAPITAL MANAGEMENT LLC | 486,842 | $9M | 4.10% | new |
| FIRST MANHATTAN CO. LLC. | 437,696 | $8M | 3.69% | +0.0% |
| DIMENSIONAL FUND ADVISORS LP | 434,002 | $8M | 3.65% | +9.8% |
| BANC FUNDS CO LLC | 369,333 | $7M | 3.11% | +15.1% |
| ACADIAN ASSET MANAGEMENT LLC | 250,937 | $5M | 2.11% | +16.6% |
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 | 2026-04-23 | $0.17 | −19.0% | $30.2M | +11.6% |
| 2025-12-31 | 2026-01-29 | — | — | $34.2M | +5.1% |
| 2025-09-30 | 2025-10-23 | $0.58 | +38.1% | $33.1M | +13.7% |
| 2025-06-30 | 2025-07-24 | $0.49 | +63.3% | $32.4M | +24.4% |
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 2026-10-22 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Investment Advice 89% · Wire Transfer Fees ATMDebit Card Commissions And Title Fees 11%
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 margin17.2% |
| EPS growth 3Y1.8% |
| Sales growth 3Y4.3% |
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.
