Financials · Savings Institutions, Not Federally Chartered · Nasdaq · CIK 1751783 · FYE Dec 31 · Prices AT CLOSE 2026-07-29 (USD) — end-of-day, never a live or intraday quote
Last $12.32Day −0.73%Mkt cap $138MP/E (FY) 13.4×1Y −5.4%Off 52W high −31.5%Vol (1Y) 50.3%
Daily closing price, split-adjusted to the current basis; 3y shown of 1,887 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)$12.09 |
| Implied upside−1.8% |
| Valuation confidenceLOW |
| Short interest1.8% of sh out |
| Days to cover12.1d |
| 13F net flow (QoQ)+0.22% |
| Top-10 13F concentration92.0% |
| 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)13.4× |
| Sales (TTM)$53.2M |
| Earnings (TTM)$10.0M |
| ROE7.8% |
| YTD+2.5% |
| 1Y−5.4% |
| 3Y+76.0% |
| 5Y+14.4% |
| Since incept. (ann.)+0.6% |
Total return through 2026-07-29 · series begins 2019-01-17. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)50.3% |
| Ann. volatility (3Y)38.4% |
| Sharpe (1Y)0.21 |
| Sharpe (3Y)0.69 |
| Max drawdown (1Y)−31.8% |
| Max drawdown (3Y)−31.8% |
| Beta (3Y vs SPY)0.54 |
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. | 1.0M | $16M | 9.05% | −0.5% |
| ALLIANCEBERNSTEIN L.P. | 386,608 | $5M | 3.46% | +3.0% |
| VANGUARD CAPITAL MANAGEMENT LLC | 184,491 | $3M | 1.65% | new |
| BlackRock, Inc. | 168,926 | $3M | 1.51% | +13.5% |
| GEODE CAPITAL MANAGEMENT, LLC | 93,609 | $1M | 0.84% | +1.3% |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 74,627 | $1M | 0.67% | +2.6% |
| Empowered Funds, LLC | 59,627 | $919,448 | 0.53% | new |
| STATE STREET CORP | 31,031 | $478,498 | 0.28% | +3.7% |
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 | 2026-04-23 | $0.20 | −4.8% | $12.7M | −1.0% |
| 2025-12-31 | 2026-01-29 | — | — | $13.5M | +69.1% |
| 2025-09-30 | 2025-10-28 | $0.25 | — | $14.0M | — |
| 2025-06-30 | 2025-07-24 | $0.25 | +177.8% | $13.1M | +22.9% |
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 2026-10-22 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
| Net margin18.8% |
| EPS growth 3Y12.9% |
| Sales growth 3Y3.8% |
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.
