Earnings History
EPS actual vs estimate, surprise %, beat rate, next earnings date
14
Avg Surprise7.1%
Next ReportOct 15, 2026
Period
Report
EPS Actual
EPS Est
Surprise
June 30, 2026
Jul 21, 2026
$0.53
$0.40
32.7%
March 31, 2026
$0.44
$0.44
-1.0%
Dec. 31, 2025
$0.53
$0.39
36.6%
Sept. 30, 2025
$0.39
$0.54
-27.9%
June 30, 2025
$0.57
$0.40
42.7%
March 31, 2025
$0.24
$0.40
-40.6%
Full Fundamentals
All metrics by year — income statement, balance sheet, cash flow
15
Income Statement10
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Interest Expense
·
·
$222M
$72M
$43M
$71M
$100M
$90M
$64M
$47M
Interest Income
$597M
$596M
$549M
$339M
$248M
$261M
$313M
$309M
$273M
$239M
Pretax Income
$66M
$-24M
$41M
$79M
$144M
$-4M
$64M
$58M
$77M
$34M
Income Tax
$14M
$-8M
$11M
$17M
$34M
$-3M
$13M
$12M
$34M
$10M
Net Income
$52M
$-16M
$32M
$63M
$113M
$-2M
$51M
$46M
$43M
$24M
EPS (Basic)
$1.26
$-0.44
$0.97
$1.87
$3.04
$-0.04
$1.21
$1.08
$1.01
$0.55
EPS (Diluted)
$1.26
$-0.44
$0.96
$1.85
$3.01
$-0.04
$1.20
$1.08
$1.01
$0.55
Shares (Basic)
41,578,758
35,755,375
33,511,321
33,862,410
37,169,283
41,737,216
42,543
42,487
42,489
42,489,000
Shares (Diluted)
41,731,303
35,755,375
33,675,388
34,142,563
37,527,523
41,737,216
42,939
42,487
42,489
42,489,000
EBITDA
$7M
$7M
$7M
$6M
$7M
$9M
$7M
$9M
·
·
Balance Sheet16
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Cash & Equivalents
·
·
·
·
$274M
$214M
$121M
$86M
$153M
$135M
PP&E (Net)
$23M
$32M
$44M
$42M
$38M
$110M
$129M
$124M
$129M
·
PP&E (Gross)
$74M
$82M
$97M
$95M
$97M
$176M
$201M
$196M
$206M
·
Accum. Depreciation
$51M
$50M
$53M
$53M
$59M
$66M
$72M
$72M
$77M
·
Goodwill
$19M
$19M
$19M
$20M
$20M
$20M
$20M
$19M
$19M
·
Total Assets
$9.78B
$9.90B
$9.72B
$9.13B
$7.64B
$7.77B
$7.99B
$8.12B
$8.44B
·
Capital Leases
$117M
$106M
$123M
$140M
$137M
$0
·
·
·
·
Total Liabilities
$8.84B
$9.01B
$8.98B
$8.42B
$6.81B
$6.99B
$7.15B
$7.38B
$7.68B
·
Common Stock
$4M
$4M
$3M
$3M
$4M
·
·
·
·
·
Paid-in Capital
$316M
$344M
$193M
$195M
$263M
$306M
$419M
$385M
$368M
·
Retained Earnings
$620M
$582M
$611M
$590M
$553M
$442M
$444M
$394M
$388M
·
Treasury Stock
·
·
·
·
·
$0
$46M
$18M
$0
·
AOCI
$-875.0K
$-40M
$-71M
$-81M
$15M
$32M
$13M
$-18M
$-6M
·
Stockholders' Equity
$939M
$890M
$736M
$706M
$832M
$783M
$835M
$747M
$753M
$705M
Liabilities + Equity
$9.78B
$9.90B
$9.72B
$9.13B
$7.64B
$7.77B
$7.99B
$8.12B
$8.44B
·
Shares Outstanding
40,595,273
42,127,316
·
33,815,161
35,883,320
·
·
·
·
·
Cash Flow15
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
D&A
$7M
$7M
$7M
$6M
$7M
$9M
$7M
$9M
$9M
$9M
Stock-based Comp
$5M
$5M
$7M
$6M
$5M
$2M
$6M
$166.0K
$0
$0
Deferred Tax
$5M
$-8M
$-11M
$-104.0K
$6M
$-12M
$670.0K
$2M
$3M
$-2M
Other Non-cash
$68M
$95M
$-9M
$-124M
$-63M
$59M
$13M
$5M
·
·
Operating Cash Flow
$137M
$82M
$27M
$-49M
$67M
$57M
$78M
$62M
$73M
$75M
CapEx
$8M
$7M
$11M
$11M
$7M
$6M
$14M
$10M
$9M
$9M
Investing Cash Flow
$-48M
$-577M
$-607M
$-1.40B
$385M
$286M
$206M
$207M
$8M
$-322M
Stock Issued
$0
$156M
$0
$0
$0
$0
$29M
$18M
$0
$0
Stock Repurchased
$33M
$8M
$5M
$72M
$36M
$0
$0
·
·
·
Net Stock Activity
$-33M
$148M
$-5M
$-72M
$-36M
$0
$29M
$18M
·
·
Dividends Paid
$15M
$13M
$12M
$12M
$0
$0
$0
$40M
$0
$0
Financing Cash Flow
$-209M
$763M
$611M
$1.46B
$-393M
$-251M
$-249M
$-336M
$-62M
$244M
Net Change in Cash
$-120M
$268M
$31M
$16M
$60M
$93M
$36M
$-68M
$18M
$-3M
Free Cash Flow
$129M
$75M
$16M
$-60M
$61M
$52M
$64M
$52M
·
·
Levered FCF
·
·
$-150M
$-117M
$28M
$23M
$-16M
$-20M
·
·
Profitability5
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Net Margin
11.9%
-4.7%
7.8%
19.0%
34.7%
-0.65%
19.0%
16.8%
·
·
Pretax Margin
15.1%
-7.2%
10.0%
23.5%
44.2%
-1.7%
23.7%
21.1%
·
·
EBITDA Margin
1.5%
2.0%
1.7%
1.8%
2.2%
3.6%
2.6%
3.1%
·
·
ROA
0.53%
-0.16%
0.34%
0.76%
1.5%
-0.02%
0.64%
0.55%
·
·
ROE
5.6%
-1.8%
4.5%
9.2%
13.7%
-0.21%
6.2%
6.2%
·
·
Efficiency1
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Asset Turnover
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
·
·
Per Share4
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Book Value / Share
·
·
·
$20.87
·
·
·
·
·
·
Revenue / Share
$10.53
$9.39
$12.29
$9.78
$8680.51
$6301.89
$6292.60
$6.42
·
·
Cash Flow / Share
$3.28
$2.30
$0.79
$-1.44
$1796.82
$1371.61
$1825.66
$1.46
·
·
EPS (TTM)
$1.26
$-0.44
$0.96
$1.85
$3.01
$-0.04
$1.20
$1.08
·
·
Growth Rates7
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue YoY
30.8%
-18.9%
24.0%
2.5%
23.8%
·
·
·
·
·
Revenue CAGR 3Y
9.6%
1.0%
16.3%
·
·
·
·
·
·
·
Revenue CAGR 5Y
10.8%
·
·
·
·
·
·
·
·
·
EPS YoY
·
·
-48.1%
-38.5%
·
·
·
·
·
·
EPS CAGR 3Y
-12.0%
·
·
·
·
·
·
·
·
·
Net Income YoY
·
·
-48.7%
-43.9%
·
·
·
·
·
·
Net Income CAGR 3Y
-6.1%
·
·
·
·
·
·
·
·
·
Valuation (TTM)13
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue TTM
$439M
$336M
$414M
$334M
$326M
$263M
$270M
$273M
·
·
Net Income TTM
$52M
$-16M
$32M
$63M
$113M
$-2M
$51M
$46M
·
·
Market Cap
·
·
·
$908M
·
·
·
·
·
·
P/E
15.5
-50.9
25.6
14.5
11.5
-380.0
18.2
12.0
·
·
P/S
·
·
·
2.7
·
·
·
·
·
·
P/B
·
·
·
1.3
·
·
·
·
·
·
P / Tangible Book
·
·
·
1.3
·
·
·
·
·
·
P / Cash Flow
·
·
·
-18.5
·
·
·
·
·
·
P / FCF
·
·
·
-15.2
·
·
·
·
·
·
Dividend Yield
·
·
·
1.4%
·
·
·
·
·
·
Earnings Yield
6.5%
-2.0%
3.9%
6.9%
8.7%
-0.26%
5.5%
8.3%
·
·
Payout Ratio
28.8%
-81.4%
37.1%
19.3%
·
0.00%
0.00%
87.3%
·
·
Annual Payout
$15M
$13M
$12M
$12M
$0
$0
$0
$40M
·
·
Income Statement10
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Q1 2024
Q4 2023
Q3 2023
Q2 2023
Q1 2023
Q4 2022
Q3 2022
Interest Expense
·
·
·
·
·
·
·
·
·
$67M
·
$61M
$55M
$43M
·
$19M
Interest Income
$136M
$133M
$147M
$153M
$151M
$146M
$153M
$152M
$146M
$145M
$146M
$139M
$138M
$125M
$113M
$89M
Pretax Income
$27M
$23M
$2M
$19M
$30M
$15M
$18M
$-62M
$6M
$13M
$-21M
$28M
$9M
$25M
$27M
$22M
Income Tax
$6M
$5M
$-794.0K
$4M
$7M
$3M
$1M
$-14M
$1M
$3M
$-3M
$6M
$2M
$5M
$6M
$5M
Net Income
$21M
$18M
$3M
$15M
$23M
$12M
$17M
$-48M
$5M
$11M
$-17M
$22M
$7M
$20M
$22M
$18M
EPS (Basic)
$0.54
$0.44
$0.08
$0.35
$0.55
$0.28
$0.52
$-1.43
$0.15
$0.32
$-0.51
$0.66
$0.22
$0.60
$0.66
$0.52
EPS (Diluted)
$0.53
$0.44
$0.08
$0.35
$0.55
$0.28
$0.53
$-1.43
$0.15
$0.31
$-0.52
$0.66
$0.22
$0.60
$0.64
$0.52
Shares (Basic)
39,316,906
40,315,757
·
41,590,201
41,805,550
42,015,507
·
33,784,999
33,581,604
33,538,069
·
33,489,560
33,564,770
33,559,718
·
33,476,418
Shares (Diluted)
39,509,583
40,510,993
·
41,774,101
41,873,551
42,186,759
·
33,784,999
33,780,666
33,821,562
·
33,696,620
33,717,702
33,855,994
·
33,746,878
EBITDA
·
$2M
·
·
·
$2M
·
·
·
$1M
·
·
·
$1M
·
·
Balance Sheet15
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Q1 2024
Q4 2023
Q3 2023
Q2 2023
Q1 2023
Q4 2022
Q3 2022
PP&E (Net)
·
·
$23M
$30M
$32M
$32M
$32M
$33M
$33M
$45M
·
$43M
$44M
$42M
·
$41M
PP&E (Gross)
·
·
$74M
·
·
·
$82M
·
·
·
·
·
·
·
·
·
Accum. Depreciation
·
·
$51M
·
·
·
$50M
·
·
·
·
·
·
·
·
·
Goodwill
$19M
$19M
$19M
$19M
$19M
$19M
$19M
$19M
$19M
$19M
·
$21M
$21M
$21M
·
$20M
Total Assets
$10.29B
$9.90B
$9.78B
$10.41B
$10.33B
$10.17B
$9.90B
$10.35B
$9.75B
$9.82B
·
$9.35B
$9.52B
$9.50B
·
$8.74B
Capital Leases
$115M
$116M
$117M
$110M
$109M
$111M
$106M
$106M
$106M
$122M
·
$121M
$120M
$122M
·
$141M
Total Liabilities
$9.38B
$8.99B
$8.84B
$9.47B
$9.41B
$9.26B
$9.01B
$9.45B
$9.01B
$9.08B
·
$8.63B
$8.80B
$8.77B
·
$8.04B
Common Stock
$4M
$4M
$4M
$4M
$4M
$4M
$4M
$4M
$3M
$3M
·
$3M
$3M
$3M
·
$3M
Paid-in Capital
$283M
$298M
$316M
$327M
$336M
$339M
$344M
$343M
$190M
$192M
·
$194M
$195M
$195M
·
$192M
Retained Earnings
$651M
$634M
$620M
$621M
$610M
$590M
$582M
$569M
$620M
$618M
·
$631M
$612M
$608M
·
$588M
Treasury Stock
$0
$0
·
$0
$0
$0
·
·
·
·
·
·
·
·
·
·
AOCI
$-24M
$-21M
$-875.0K
$-7M
$-25M
$-27M
$-40M
$-13M
$-79M
$-76M
·
$-106M
$-87M
$-74M
·
$-86M
Stockholders' Equity
$914M
$914M
$939M
$945M
$924M
$906M
$890M
$903M
$734M
$738M
$736M
$720M
$721M
$729M
$706M
$696M
Liabilities + Equity
$10.29B
$9.90B
$9.78B
$10.41B
$10.33B
$10.17B
$9.90B
$10.35B
$9.75B
$9.82B
·
$9.35B
$9.52B
$9.50B
·
$8.74B
Shares Outstanding
39,186,293
39,803,607
·
·
·
·
·
·
·
·
·
·
33,736,159
33,814,260
·
33,773,249
Cash Flow16
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Q1 2024
Q4 2023
Q3 2023
Q2 2023
Q1 2023
Q4 2022
Q3 2022
D&A
$1M
$2M
$2M
$1M
$2M
$2M
$2M
$2M
$2M
$1M
$1M
$2M
$2M
$1M
$2M
$1M
Stock-based Comp
$1M
$658.0K
$1M
$1M
$2M
$790.0K
$802.0K
$1M
$1M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
Restructuring
·
·
·
·
·
·
·
·
·
·
·
$0
$2M
$3M
·
·
Other Non-cash
·
$-9M
·
·
·
$6M
·
·
·
$-11M
·
·
·
$-42M
·
·
Operating Cash Flow
$39M
$11M
$36M
$23M
$58M
$20M
$78M
$4M
$-2M
$3M
$-14M
$49M
$11M
$-19M
$-17M
$17M
CapEx
$2.0K
$776.0K
$5M
$-1M
$1M
$2M
$792.0K
$2M
$2M
$3M
$3M
$1M
$4M
$4M
$3M
$4M
Investing Cash Flow
$-294M
$-442M
$453M
$-76M
$-202M
$-223M
$-298M
$-237M
$-328M
$287M
$-375M
$21M
$-71M
$-182M
$-384M
$-601M
Stock Issued
·
·
$0
·
·
·
$0
·
·
·
$0
·
·
·
·
·
Stock Repurchased
$16M
$19M
$13M
$10M
$5M
$5M
$0
$3M
$4M
$0
$0
$3M
$2M
$566.0K
$0
$0
Net Stock Activity
·
$-19M
·
·
·
$-5M
·
·
·
$0
·
·
·
$-566.0K
·
·
Dividends Paid
$4M
$4M
$4M
$4M
$4M
$4M
$4M
$3M
$3M
$3M
$3M
$3M
$3M
$3M
$3M
$3M
Financing Cash Flow
$367M
$149M
$-650M
$47M
$133M
$261M
$139M
$594M
$-19M
$48M
$402M
$-206M
$20M
$396M
$389M
$532M
Net Change in Cash
$112M
$-281M
$-161M
$-6M
$-12M
$58M
$-81M
$362M
$-349M
$338M
$13M
$-136M
$-41M
$195M
$-12M
$-52M
Taxes Paid
$4M
$81.0K
·
·
$403.0K
$317.0K
·
·
·
·
·
·
·
·
·
·
Free Cash Flow
·
$10M
·
·
·
$18M
·
·
·
$-694.0K
·
·
·
$-23M
·
·
Levered FCF
·
·
·
·
·
·
·
·
·
$-53M
·
·
·
$-56M
·
·
Profitability5
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Q1 2024
Q4 2023
Q3 2023
Q2 2023
Q1 2023
Q4 2022
Q3 2022
Net Margin
20.9%
18.3%
·
13.2%
20.9%
11.3%
·
-144.6%
5.0%
11.4%
·
22.0%
6.6%
19.9%
·
24.4%
Pretax Margin
26.9%
23.5%
·
17.1%
27.0%
14.6%
·
-185.8%
6.4%
14.6%
·
27.9%
8.1%
24.8%
·
31.1%
EBITDA Margin
·
1.6%
·
·
·
1.5%
·
·
·
1.6%
·
·
·
1.3%
·
·
ROA
0.20%
0.18%
·
0.14%
0.23%
0.12%
·
-0.49%
0.05%
0.11%
·
0.24%
0.08%
0.23%
·
0.26%
ROE
2.3%
2.0%
·
1.6%
2.8%
1.5%
·
-5.9%
0.68%
1.4%
·
3.1%
1.0%
2.7%
·
2.8%
Efficiency1
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Q1 2024
Q4 2023
Q3 2023
Q2 2023
Q1 2023
Q4 2022
Q3 2022
Asset Turnover
0.0
0.0
·
0.0
0.0
0.0
·
0.0
0.0
0.0
·
0.0
0.0
0.0
·
0.0
Per Share5
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Q1 2024
Q4 2023
Q3 2023
Q2 2023
Q1 2023
Q4 2022
Q3 2022
Book Value / Share
$23.33
$22.96
·
·
·
·
·
·
·
·
·
·
$21.37
$21.56
·
$20.60
Revenue / Share
$2.55
$2.41
·
$2.67
$2.63
$2.50
·
$0.99
$2.92
$2.73
·
$2.98
$3.28
$3.00
·
$2.54
Cash Flow / Share
·
$0.27
·
·
·
$0.48
·
·
·
$0.08
·
·
·
$-0.56
·
·
Dividend / Share
$0.09
$0.09
$0.09
$0.09
$0.09
$0.09
$0.09
$0.09
$0.09
$0.09
$0.09
$0.09
$0.09
$0.09
$0.09
$0.09
EPS (TTM)
$1.40
$1.42
·
$1.71
$-0.07
$-0.47
·
$-1.49
$0.60
$0.67
·
$2.12
$1.98
$2.01
·
$2.97
Valuation (TTM)12
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Q1 2024
Q4 2023
Q3 2023
Q2 2023
Q1 2023
Q4 2022
Q3 2022
Revenue TTM
$422M
$432M
·
$438M
$360M
$349M
·
$326M
$393M
$405M
·
$419M
$405M
$366M
·
$360M
Net Income TTM
$56M
$58M
·
$67M
$4M
$-14M
·
$-50M
$21M
$23M
·
$72M
$67M
$68M
·
$107M
Market Cap
$1.00B
$877M
·
·
·
·
·
·
·
·
·
·
$580M
$736M
·
$839M
P/E
18.2
15.5
·
11.3
-260.4
-43.9
·
-14.3
37.8
34.8
·
8.2
8.7
10.8
·
8.4
P/S
2.4
2.0
·
·
·
·
·
·
·
·
·
·
1.4
2.0
·
2.3
P/B
1.1
1.0
·
·
·
·
·
·
·
·
·
·
0.8
1.0
·
1.2
P / Tangible Book
1.1
1.0
·
·
·
·
·
·
·
·
·
·
0.8
1.0
·
1.2
P / Cash Flow
·
80.3
·
·
·
·
·
·
·
·
·
·
·
-39.1
·
·
Dividend Yield
1.5%
1.7%
·
·
·
·
·
·
·
·
·
·
2.1%
1.6%
·
1.1%
Earnings Yield
5.5%
6.4%
·
8.9%
-0.38%
-2.3%
·
-7.0%
2.6%
2.9%
·
12.2%
11.5%
9.2%
·
12.0%
Payout Ratio
·
20.8%
·
·
·
32.5%
·
·
·
28.5%
·
·
·
14.9%
·
·
Annual Payout
$15M
$15M
·
$15M
$14M
$14M
·
$12M
$12M
$12M
·
$12M
$12M
$12M
·
$9M
Most recent period on the left · null values shown as ·
Financial Statements
Income statement, balance sheet, cash flow — annual, last 5 years
16
Metric
2025-12-31
2024-12-31
2023-12-31
2022-12-31
2021-12-31
Net Income
$52M
$-16M
$32M
$63M
$113M
Diluted EPS
$1.26
$-0.44
$0.96
$1.85
$3.01
No data for this statement
Not enough fundamentals data to build this statement yet.
Metric
2025-12-31
2024-12-31
2023-12-31
2022-12-31
2021-12-31
Free Cash Flow
$129M
$75M
$16M
$-60M
$61M
Institutional owners (13F)
157 filers
· $781.4M total
· As of Sept. 30, 2026
17
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders157
Value held$781.4M
New positions20
Exited positions22
Institutional activity — Q2 2026 vs prior quarter
New positions
Exited positions
Increased
Decreased
Net shares change
20 (-12 vs prior Q)
22 (+5 vs prior Q)
49 (-2 vs prior Q)
46 (+4 vs prior Q)
-165K
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
Filer
Filed
Stake
Status
Purpose
Filing
Patriot Financial Partners III, L.P., Patriot Financial Partners GP III, L.P., Patriot Financial Partners GP III, LLC, W. Kirk Wycoff, James J. Lynch, James F. Deutsch
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders
43 insiders
· 20 officers · 20 directors