Financials · National Commercial Banks · Nasdaq · CIK 1295401 · FYE Dec 31 · Prices AT CLOSE 2026-07-29 (USD) — end-of-day, never a live or intraday quote
Last $67.59Day −1.77%Mkt cap $2.8BP/E (FY) 13.7×1Y +4.1%Off 52W high −17.2%Vol (1Y) 42.7%
Daily closing price, split-adjusted to the current basis; 3y shown of 1,586 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)$30.29 |
| Implied upside−55.2% |
| Valuation confidenceLOW |
| Short interest7.6% of sh out |
| Days to cover7.5d |
| 13F net flow (QoQ)−8.52% |
| Top-10 13F concentration52.4% |
| 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)13.7× |
| Sales (TTM)$689.8M |
| Earnings (TTM)$231.1M |
| ROE30.8% |
| YTD+0.1% |
| 1Y+4.1% |
| 3Y+78.3% |
| 5Y+193.2% |
| Since incept. (ann.)+49.1% |
Total return through 2026-07-29 · series begins 2020-04-01. Only the windows this history actually covers are shown.
| Ann. volatility (1Y)42.7% |
| Ann. volatility (3Y)43.0% |
| Sharpe (1Y)0.35 |
| Sharpe (3Y)0.66 |
| Max drawdown (1Y)−35.9% |
| Max drawdown (3Y)−36.3% |
| Beta (3Y vs SPY)0.99 |
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. | 6.1M | $328M | 14.49% | −2.5% |
| STATE STREET CORP | 2.8M | $150M | 6.60% | +5.6% |
| AMERICAN CENTURY COMPANIES INC | 2.6M | $142M | 6.28% | −0.4% |
| FMR LLC | 1.9M | $102M | 4.50% | −48.2% |
| VANGUARD CAPITAL MANAGEMENT LLC | 1.8M | $96M | 4.22% | new |
| Nantahala Capital Management, LLC | 1.4M | $74M | 3.27% | +28.8% |
| DIMENSIONAL FUND ADVISORS LP | 1.3M | $72M | 3.16% | −5.0% |
| GEODE CAPITAL MANAGEMENT, LLC | 1.3M | $72M | 3.15% | +1.4% |
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 | $1.41 | +18.5% | $161.3M | −8.0% |
| 2025-12-31 | 2026-01-29 | — | — | $172.6M | +8.2% |
| 2025-09-30 | 2025-10-30 | $1.18 | +13.5% | $174.6M | +38.8% |
| 2025-06-30 | 2025-07-24 | $1.27 | +21.0% | $181.2M | +45.6% |
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 2026-10-22 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.
Prepaid Card Fees 73% · Credit Card Merchant Discount 15% · Consumer Credit Fintech Fees 12%
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 margin32.4% |
| EPS growth 3Y29.4% |
| Sales growth 3Y25.7% |
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.
