Financials · Savings Institutions, Not Federally Chartered · Nasdaq · CIK 1769663 · FYE Dec 31 · Prices AT CLOSE 2026-07-28 (USD) — end-of-day, never a live or intraday quote
Last $18.02Day +0.45%Mkt cap $452MP/E (FY) 21.7×1Y +46.0%Off 52W high −7.2%Vol (1Y) 25.1%
Daily closing price, split-adjusted to the current basis; 3y shown of 1,761 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)$11.67 |
| Implied upside−35.2% |
| Valuation confidenceLOW |
| Short interest0.5% of sh out |
| Days to cover9.3d |
| 13F net flow (QoQ)−0.11% |
| Top-10 13F concentration84.2% |
| Next report (est.)2026-07-30 |
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)21.7× |
| Sales (TTM)$98.1M |
| Earnings (TTM)$19.8M |
| ROE6.5% |
| YTD+33.7% |
| 1Y+46.0% |
| 3Y+83.1% |
| 5Y+55.3% |
| Since incept. (ann.)+2.9% |
Total return through 2026-07-28 · series begins 2019-07-18. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)25.1% |
| Ann. volatility (3Y)27.6% |
| Sharpe (1Y)1.67 |
| Sharpe (3Y)0.91 |
| Max drawdown (1Y)−10.4% |
| Max drawdown (3Y)−20.7% |
| Beta (3Y vs SPY)0.60 |
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 |
|---|---|---|---|---|
| M3F, Inc. | 2.1M | $29M | 8.26% | +1.9% |
| BlackRock, Inc. | 602,142 | $8M | 2.40% | −2.1% |
| VANGUARD CAPITAL MANAGEMENT LLC | 525,673 | $7M | 2.10% | new |
| ALLIANCEBERNSTEIN L.P. | 508,981 | $7M | 2.03% | +4.2% |
| Private Capital Management, LLC | 354,839 | $5M | 1.42% | −2.1% |
| GEODE CAPITAL MANAGEMENT, LLC | 233,381 | $3M | 0.93% | −7.7% |
| DIMENSIONAL FUND ADVISORS LP | 217,592 | $3M | 0.87% | +0.7% |
| STATE STREET CORP | 181,916 | $3M | 0.73% | +0.7% |
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 | 2026-04-30 | $0.22 | −4.3% | $24.6M | +7.9% |
| 2025-12-31 | 2026-01-30 | — | — | $25.0M | — |
| 2025-09-30 | 2025-10-30 | $0.18 | −28.0% | $24.0M | +9.1% |
| 2025-06-30 | 2025-07-30 | $0.26 | +62.5% | $24.4M | +16.9% |
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 2026-07-30 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Wealth Management Services 48% · Credit And Debit Card 18% · Insurance Revenues Fee 16% · Deposit Account 16% · Service Other 3%
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 margin21.1% |
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.
