Financials · National Commercial Banks · Nasdaq · CIK 1056943 · FYE Dec 31 · Prices AT CLOSE 2026-07-30 (USD) — end-of-day, never a live or intraday quote
Last $71.11Day −0.82%Mkt cap $712MP/E (FY) 12.1×1Y +53.7%Off 52W high −3.1%Vol (1Y) 26.8%
Daily closing price, split-adjusted to the current basis; 3y shown of 5,294 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)$58.26 |
| Implied upside−18.1% |
| Valuation confidenceMEDIUM |
| Short interest2.1% of sh out |
| Days to cover2.6d |
| 13F net flow (QoQ)+0.26% |
| Top-10 13F concentration70.1% |
| Next report (est.)2026-10-29 |
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)12.1× |
| Sales (TTM)$191.7M |
| Earnings (TTM)$58.9M |
| ROE12.0% |
| YTD+49.2% |
| 1Y+53.7% |
| 3Y+76.2% |
| 5Y+102.5% |
| 10Y+161.0% |
| Since incept. (ann.)+7.4% |
Total return through 2026-07-30 · series begins 2005-07-11. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)26.8% |
| Ann. volatility (3Y)33.0% |
| Sharpe (1Y)1.67 |
| Sharpe (3Y)0.74 |
| Max drawdown (1Y)−16.9% |
| Max drawdown (3Y)−29.1% |
| Beta (3Y vs SPY)1.10 |
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. | 634,696 | $34M | 6.35% | −2.4% |
| VANGUARD CAPITAL MANAGEMENT LLC | 392,034 | $21M | 3.92% | new |
| DIMENSIONAL FUND ADVISORS LP | 316,621 | $17M | 3.17% | +5.9% |
| GEODE CAPITAL MANAGEMENT, LLC | 235,370 | $13M | 2.35% | +2.3% |
| STATE STREET CORP | 200,435 | $11M | 2.00% | −3.7% |
| AMERICAN CENTURY COMPANIES INC | 119,027 | $6M | 1.19% | +136.0% |
| PEOPLES FINANCIAL SERVICES CORP. | 91,041 | $5M | 0.91% | −0.8% |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 78,711 | $4M | 0.79% | +6.7% |
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 | $1.47 | −1.3% | $49.8M | +8.6% |
| 2025-12-31 | 2026-01-30 | — | — | $46.8M | +5.8% |
| 2025-09-30 | 2025-10-30 | $1.51 | — | $46.7M | +3.8% |
| 2025-06-30 | 2025-07-31 | $1.68 | +265.2% | $48.4M | +115.6% |
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 2026-10-29 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Bank Servicing 68% · Asset Management1 15% · Commission And Fees On Fiduciary Activities 11% · Credit Card 6%
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 margin31.5% |
| EPS growth 3Y3.7% |
| Sales growth 3Y20.4% |
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.
