Financials · Savings Institution, Federally Chartered · Nasdaq · CIK 1010470 · FYE Jun 30 · Prices AT CLOSE 2026-07-29 (USD) — end-of-day, never a live or intraday quote
Last $17.78Day +1.02%Mkt cap $111MP/E (FY) 19.1×1Y +21.5%Off 52W high −1.2%Vol (1Y) 12.1%
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)$18.39 |
| Implied upside+3.4% |
| Valuation confidenceMEDIUM |
| Short interest0.5% of sh out |
| Days to cover7.8d |
| 13F net flow (QoQ)−0.13% |
| Top-10 13F concentration91.2% |
| Next report (est.)2026-10-27 |
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)19.1× |
| Sales (TTM)$39.2M |
| Earnings (TTM)$6.1M |
| ROE4.8% |
| YTD+13.7% |
| 1Y+21.5% |
| 3Y+41.2% |
| 5Y+27.7% |
| 10Y+30.2% |
| Since incept. (ann.)+0.3% |
Total return through 2026-07-29 · series begins 2005-07-11. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)12.1% |
| Ann. volatility (3Y)21.6% |
| Sharpe (1Y)1.68 |
| Sharpe (3Y)0.64 |
| Max drawdown (1Y)−5.3% |
| Max drawdown (3Y)−23.0% |
| Beta (3Y vs SPY)0.32 |
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 |
|---|---|---|---|---|
| DIMENSIONAL FUND ADVISORS LP | 490,410 | $8M | 7.84% | −0.2% |
| RAFFLES ASSOCIATES LP | 391,118 | $6M | 6.25% | −0.0% |
| Fourthstone LLC | 365,632 | $6M | 5.85% | +3.8% |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | 306,434 | $5M | 4.90% | −1.5% |
| M3F, Inc. | 284,594 | $5M | 4.55% | −5.0% |
| AMERIPRISE FINANCIAL INC | 282,827 | $5M | 4.52% | −0.1% |
| BlackRock, Inc. | 275,936 | $4M | 4.41% | +0.1% |
| VANGUARD CAPITAL MANAGEMENT LLC | 240,089 | $4M | 3.84% | new |
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 | 2026-04-28 | $0.21 | −25.0% | $9.9M | −2.4% |
| 2025-12-31 | 2026-01-27 | $0.22 | +69.2% | $9.8M | +2.5% |
| 2025-09-30 | 2025-10-28 | $0.25 | −10.7% | $9.7M | +2.4% |
| 2025-06-30 | 2025-07-28 | — | — | $9.8M | −1.6% |
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 2026-10-27 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Debit Card 53% · Deposit Account 47%
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 margin16.0% |
| EPS growth 3Y−8.7% |
| Sales growth 3Y2.4% |
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.
