Financials · National Commercial Banks · NYSE · CIK 1475841 · FYE Dec 31 · Prices AT CLOSE 2026-07-30 (USD) — end-of-day, never a live or intraday quote
Last $42.58Day +0.02%Mkt cap $1.9BP/E (FY) 14.9×1Y +16.8%Off 52W high −9.9%Vol (1Y) 25.9%
Daily closing price, split-adjusted to the current basis; 3y shown of 3,481 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)$33.67 |
| Implied upside−20.9% |
| Valuation confidenceMEDIUM |
| Short interest3.6% of sh out |
| Days to cover5.4d |
| 13F net flow (QoQ)+3.14% |
| Top-10 13F concentration55.9% |
| Next report (est.)2026-10-20 |
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)14.9× |
| Sales (TTM)$47.6M |
| Earnings (TTM)$106.1M |
| ROE8.1% |
| YTD+13.8% |
| 1Y+16.8% |
| 3Y+35.8% |
| 5Y+37.9% |
| 10Y+167.2% |
| Since incept. (ann.)+7.8% |
Total return through 2026-07-30 · series begins 2012-09-20. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)25.9% |
| Ann. volatility (3Y)28.6% |
| Sharpe (1Y)0.64 |
| Sharpe (3Y)0.50 |
| Max drawdown (1Y)−14.4% |
| Max drawdown (3Y)−32.9% |
| Beta (3Y vs SPY)0.92 |
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 |
|---|---|---|---|---|
| BlackRock, Inc. | 5.5M | $216M | 12.25% | +1.8% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 2.6M | $101M | 5.75% | new |
| WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC | 2.5M | $97M | 5.50% | new |
| WELLINGTON MANAGEMENT GROUP LLP | 2.2M | $88M | 4.99% | +74.6% |
| STATE STREET CORP | 2.2M | $85M | 4.84% | +15.3% |
| DIMENSIONAL FUND ADVISORS LP | 2.1M | $82M | 4.67% | +2.0% |
| VANGUARD CAPITAL MANAGEMENT LLC | 1.8M | $72M | 4.10% | new |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 1.5M | $60M | 3.43% | +230.9% |
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 | 2026-04-21 | $0.46 | −27.0% | $11.3M | +4.8% |
| 2025-12-31 | 2026-01-27 | — | — | $13.9M | +24.6% |
| 2025-09-30 | 2025-10-21 | $0.92 | +7.0% | $11.3M | −6.9% |
| 2025-06-30 | 2025-07-22 | $0.88 | +29.4% | $11.1M | −3.6% |
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 2026-10-20 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Bank Servicing Charges And Other Fees 37% · Credit And Debit Card 28% · Bank Servicing 26% · Other Non Interest Income 9%
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 margin232.6% |
| Debt / equity0.04× |
| EPS growth 3Y9.3% |
| Sales growth 3Y7.1% |
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.
