Financials · State Commercial Banks · Nasdaq · CIK 1431567 · FYE Dec 31 · Prices AT CLOSE 2026-07-29 (USD) — end-of-day, never a live or intraday quote
Last $33.78Day −1.66%Mkt cap $284MP/E (FY) 11.7×1Y +26.3%Off 52W high −5.7%Vol (1Y) 22.6%
Daily closing price, split-adjusted to the current basis; 3y shown of 5,293 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)$30.02 |
| Implied upside−11.1% |
| Valuation confidenceMEDIUM |
| Short interest1.4% of sh out |
| Days to cover5.3d |
| 13F net flow (QoQ)+0.26% |
| Top-10 13F concentration76.5% |
| 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)11.7× |
| Sales (TTM)$83.1M |
| Earnings (TTM)$23.9M |
| ROE12.2% |
| YTD+13.7% |
| 1Y+26.3% |
| 3Y+29.8% |
| 5Y+110.6% |
| 10Y+296.0% |
| Since incept. (ann.)+6.3% |
Total return through 2026-07-29 · series begins 2005-07-11. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)22.6% |
| Ann. volatility (3Y)31.6% |
| Sharpe (1Y)1.08 |
| Sharpe (3Y)0.44 |
| Max drawdown (1Y)−13.9% |
| Max drawdown (3Y)−26.3% |
| Beta (3Y vs SPY)0.38 |
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. | 427,315 | $14M | 5.08% | −10.1% |
| Fourthstone LLC | 411,189 | $13M | 4.89% | +34.6% |
| Siena Capital Partners GP, LLC | 323,187 | $10M | 3.84% | +0.0% |
| VANGUARD CAPITAL MANAGEMENT LLC | 318,507 | $10M | 3.79% | new |
| DIMENSIONAL FUND ADVISORS LP | 158,145 | $5M | 1.88% | +11.2% |
| GEODE CAPITAL MANAGEMENT, LLC | 156,344 | $5M | 1.86% | −2.0% |
| Cresset Asset Management, LLC | 140,282 | $5M | 1.67% | +0.0% |
| STATE STREET CORP | 106,149 | $3M | 1.26% | +7.0% |
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 | $0.64 | +0.0% | $20.8M | +7.0% |
| 2025-12-31 | 2026-01-26 | — | — | $21.3M | +10.4% |
| 2025-09-30 | 2025-10-23 | $0.81 | −9.0% | $21.2M | +8.6% |
| 2025-06-30 | 2025-07-21 | $0.67 | −5.6% | $19.9M | +4.2% |
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.
Deposit Account 51% · Debit Card 48% · Mortgage Banking 1%
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 margin29.3% |
| EPS growth 3Y1.1% |
| Sales growth 3Y7.6% |
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.
