Earnings History
EPS actual vs estimate, surprise %, beat rate, next earnings date
14
Avg Surprise15.3%
Next ReportOct 21, 2026
Period
Report
EPS Actual
EPS Est
Surprise
June 30, 2026
Jul 27, 2026
$1.52
$1.31
15.8%
March 31, 2026
$1.41
$1.25
13.0%
Dec. 31, 2025
$1.15
$1.21
-5.1%
Sept. 30, 2025
$1.27
$1.08
17.4%
June 30, 2025
$1.15
$0.86
33.9%
March 31, 2025
$0.87
$0.75
16.5%
Full Fundamentals
All metrics by year — income statement, balance sheet, cash flow
15
Income Statement11
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
Revenue
$3M
$2M
$2M
$1M
$872.0K
$788.0K
$1M
$1M
Interest Expense
·
·
$94M
$23M
$13M
$23M
$29M
$24M
Interest Income
$198M
$192M
$188M
$118M
$81M
$77M
$83M
$80M
Pretax Income
$48M
$13M
$48M
$48M
$34M
$7M
$23M
$21M
Income Tax
$13M
$4M
$11M
$11M
$7M
$1M
$5M
$4M
Net Income
$35M
$10M
$37M
$37M
$27M
$6M
$18M
$17M
EPS (Basic)
$4.49
$1.24
$4.71
$4.84
$3.38
$0.75
$2.32
$2.23
EPS (Diluted)
$4.45
$1.23
$4.67
$4.79
$3.36
$0.75
$2.31
$2.21
Shares (Basic)
7,750,191
7,710,076
7,587,768
7,563,363
7,706,407
7,728,328
7,757,355
7,722,175
Shares (Diluted)
7,826,280
7,737,952
7,647,411
7,640,218
7,761,811
7,748,453
7,784,631
7,775,480
EBITDA
$4M
$4M
$4M
$3M
$4M
$3M
$3M
$2M
Balance Sheet14
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
Short-term Investments
$192M
$146M
$128M
$122M
$108M
$107M
$101M
$117M
PP&E (Net)
·
·
·
·
·
$22M
$29M
$20M
PP&E (Gross)
·
·
·
·
·
·
·
$30M
Accum. Depreciation
·
·
·
·
·
·
·
$11M
Goodwill
$3M
$3M
$3M
$3M
$3M
$3M
$3M
$3M
Intangibles
·
·
·
·
$0
$76.0K
$214.0K
$290.0K
Total Assets
$3.36B
$3.27B
$3.22B
$3.25B
$2.46B
$2.25B
$1.88B
$1.87B
Total Liabilities
$3.06B
$3.00B
$2.95B
$3.01B
$2.25B
$2.08B
$1.70B
$1.70B
Common Stock
$120M
$119M
$118M
$115M
$118M
$121M
$121M
$121M
Retained Earnings
$182M
$153M
$149M
$124M
$92M
$71M
$69M
$55M
AOCI
$-216.0K
$-1M
$-2M
$-189.0K
$-9M
$-16M
$-8M
$-1M
Stockholders' Equity
$301M
$271M
$266M
$238M
$202M
$177M
$182M
$174M
Liabilities + Equity
$3.36B
$3.27B
$3.22B
$3.25B
$2.46B
$2.25B
$1.88B
$1.87B
Shares Outstanding
7,899,943
7,859,873
7,882,616
7,730,699
7,803,166
7,919,278
7,868,803
7,842,271
Cash Flow16
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
D&A
$4M
$4M
$4M
$3M
$4M
$3M
$3M
$2M
Stock-based Comp
$2M
$3M
$3M
$2M
$2M
$2M
$1M
$1M
Deferred Tax
$-1M
$-469.0K
$-191.0K
$-2M
$2M
$-4M
$276.0K
$1M
Amort. of Intangibles
·
·
·
·
·
·
$75.0K
$92.0K
Other Non-cash
$-12M
$14M
$-11M
$41M
$857.0K
$-9M
$-16M
$-2M
Operating Cash Flow
$28M
$30M
$32M
$83M
$35M
$-2M
$7M
$20M
CapEx
$1M
$613.0K
$2M
$5M
·
·
$645.0K
$3M
Investing Cash Flow
$-165M
$-34M
$-48M
$-811M
$-270M
$-22M
$19M
$-75M
Stock Repurchased
$1M
$2M
$0
$6M
$5M
$1M
$988.0K
$0
Net Stock Activity
$-1M
$-2M
$0
$-6M
$-5M
$-1M
$-988.0K
·
Dividends Paid
$6M
$6M
$6M
$6M
$5M
$4M
$4M
$4M
Financing Cash Flow
$54M
$42M
$-70M
$739M
$171M
$355M
$-25M
$62M
Net Change in Cash
$-83M
$38M
$-87M
$11M
$-65M
$332M
$-61.0K
$7M
Taxes Paid
·
$5M
$12M
$12M
$5M
$4M
$3M
$4M
Free Cash Flow
$27M
$29M
$30M
$78M
·
·
$6M
$17M
Levered FCF
·
·
$-42M
$60M
·
·
$-17M
$-3M
Profitability5
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
Net Margin
1245.5%
497.7%
2250.6%
3491.5%
3048.8%
749.2%
30.9%
28.9%
Pretax Margin
1716.0%
679.0%
2949.2%
4476.0%
3883.1%
926.5%
38.9%
35.1%
EBITDA Margin
144.5%
192.3%
222.4%
314.0%
410.9%
415.7%
5.7%
2.8%
ROA
1.1%
0.30%
1.1%
1.3%
1.1%
0.29%
0.97%
0.95%
ROE
12.0%
3.6%
14.0%
15.9%
13.4%
3.4%
10.2%
10.0%
Efficiency1
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
Asset Turnover
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Per Share5
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
Book Value / Share
$38.16
$34.42
$33.71
$30.85
$25.89
$22.30
$23.18
$22.21
Revenue / Share
$0.36
$0.25
$0.21
$0.14
$0.11
$0.10
$7.58
$7.75
Cash Flow / Share
$3.61
$3.87
$4.17
$10.82
$4.45
$-0.20
$0.85
$2.57
Dividend / Share
$0.80
$0.80
$0.80
$0.80
$0.64
$0.56
$0.52
$0.48
EPS (TTM)
$4.45
$1.23
$4.67
$4.79
$3.36
$0.75
$2.31
$2.21
Growth Rates10
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
Revenue YoY
44.0%
20.5%
52.0%
22.9%
10.7%
·
·
·
Revenue CAGR 3Y
38.1%
31.1%
27.4%
·
·
·
·
·
Revenue CAGR 5Y
29.1%
·
·
·
·
·
·
·
EPS YoY
261.8%
-73.7%
-2.5%
42.6%
348.0%
·
·
·
EPS CAGR 3Y
-2.4%
-28.5%
84.0%
·
·
·
·
·
EPS CAGR 5Y
42.8%
·
·
·
·
·
·
·
Net Income YoY
260.3%
-73.4%
-2.1%
40.8%
350.3%
·
·
·
Net Income CAGR 3Y
-2.0%
-28.4%
83.8%
·
·
·
·
·
Net Income CAGR 5Y
42.9%
·
·
·
·
·
·
·
Dividends Paid CAGR 5Y
7.4%
·
·
·
·
·
·
·
Valuation (TTM)13
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
Revenue TTM
$3M
$2M
$2M
$1M
$872.0K
$788.0K
$1M
$1M
Net Income TTM
$35M
$10M
$37M
$37M
$27M
$6M
$18M
$17M
Market Cap
$362M
$245M
$238M
$228M
$256M
$155M
$227M
$225M
P/E
10.3
25.3
6.5
6.1
9.8
26.1
12.5
13.0
P/S
128.1
124.7
146.0
212.2
293.9
196.5
221.8
206.6
P/B
1.2
0.9
0.9
1.0
1.3
0.9
1.2
1.3
P / Tangible Book
1.2
0.9
0.9
1.0
1.3
0.9
·
·
P / Cash Flow
12.8
8.2
7.5
2.8
7.4
-102.4
34.2
11.3
P / FCF
13.3
8.3
8.0
2.9
·
·
37.9
13.5
Dividend Yield
1.7%
2.6%
2.6%
2.7%
2.0%
2.8%
1.8%
1.7%
Earnings Yield
9.7%
4.0%
15.5%
16.3%
10.2%
3.8%
8.0%
7.7%
Payout Ratio
17.8%
64.3%
17.0%
16.5%
18.9%
74.3%
22.4%
21.6%
Annual Payout
$6M
$6M
$6M
$6M
$5M
$4M
$4M
$4M
Income Statement11
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
$665.0K
$780.0K
$771.0K
$779.0K
$674.0K
$602.0K
$589.0K
$575.0K
$495.0K
$304.0K
$688.0K
$294.0K
$361.0K
$286.0K
$343.0K
$240.0K
Interest Expense
·
·
·
·
·
·
·
·
·
$27M
·
$26M
$23M
$19M
$13M
$5M
Interest Income
$52M
$51M
$51M
$51M
$49M
$48M
$48M
$48M
$48M
$48M
$49M
$48M
$47M
$44M
$40M
$30M
Pretax Income
$16M
$14M
$14M
$13M
$12M
$9M
$4M
$3M
$1M
$5M
$11M
$13M
$10M
$14M
$11M
$12M
Income Tax
$4M
$3M
$5M
$3M
$3M
$2M
$1M
$786.0K
$356.0K
$1M
$3M
$3M
$2M
$3M
$3M
$2M
Net Income
$12M
$11M
$9M
$10M
$9M
$7M
$3M
$2M
$1M
$4M
$9M
$10M
$8M
$10M
$8M
$9M
EPS (Basic)
$1.55
$1.42
$1.17
$1.28
$1.15
$0.88
$0.38
$0.24
$0.14
$0.48
$1.10
$1.25
$1.02
$1.34
$1.04
$1.19
EPS (Diluted)
$1.52
$1.41
$1.16
$1.27
$1.14
$0.87
$0.37
$0.24
$0.14
$0.48
$1.07
$1.25
$1.02
$1.33
$1.02
$1.18
Shares (Basic)
7,856,210
7,724,253
·
7,774,887
7,777,469
7,670,224
·
7,715,040
7,747,675
7,663,521
·
7,598,230
7,593,417
7,554,689
·
7,553,718
Shares (Diluted)
7,980,973
7,800,935
·
7,844,785
7,819,828
7,740,521
·
7,720,895
7,723,888
7,687,679
·
7,633,934
7,601,562
7,616,671
·
7,612,421
EBITDA
·
$1M
·
·
·
$974.0K
·
·
·
$940.0K
·
·
·
$884.0K
·
·
Balance Sheet10
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
Short-term Investments
$206M
$188M
$192M
$128M
$143M
$136M
$146M
$146M
$138M
$126M
$128M
$116M
$118M
$121M
$122M
$113M
Goodwill
$3M
$3M
$3M
$3M
$3M
$3M
$3M
$3M
$3M
$3M
$3M
$3M
$3M
$3M
$3M
$3M
Total Assets
$3.48B
$3.37B
$3.36B
$3.24B
$3.24B
$3.18B
$3.27B
$3.16B
$3.14B
$3.16B
$3.22B
$3.25B
$3.25B
$3.25B
$3.25B
$2.72B
Total Liabilities
$3.15B
$3.06B
$3.06B
$2.95B
$2.95B
$2.91B
$3.00B
$2.89B
$2.87B
$2.89B
$2.95B
$2.99B
$3.00B
$3.01B
$3.01B
$2.49B
Common Stock
$122M
$121M
$120M
$119M
$119M
$118M
$119M
$118M
$118M
$118M
$118M
$117M
$117M
$116M
$115M
$115M
Retained Earnings
$202M
$191M
$182M
$174M
$165M
$158M
$153M
$151M
$151M
$151M
$149M
$142M
$134M
$128M
$124M
$117M
AOCI
$-570.0K
$-475.0K
$-216.0K
$-570.0K
$-903.0K
$-1M
$-1M
$-2M
$-2M
$-2M
$-2M
$-2M
$-2M
$-1M
$-189.0K
$-200.0K
Stockholders' Equity
$324M
$312M
$301M
$293M
$283M
$275M
$271M
$268M
$267M
$268M
$266M
$258M
$249M
$242M
$238M
$232M
Liabilities + Equity
$3.48B
$3.37B
$3.36B
$3.24B
$3.24B
$3.18B
$3.27B
$3.16B
$3.14B
$3.16B
$3.22B
$3.25B
$3.25B
$3.25B
$3.25B
$2.72B
Shares Outstanding
7,973,180
7,973,180
7,899,943
7,877,443
7,873,387
7,888,013
7,859,873
7,858,573
7,866,499
7,908,180
7,882,616
7,841,616
7,829,950
7,843,438
7,730,699
7,711,843
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
$1M
$1M
$1M
$1M
$974.0K
$970.0K
$934.0K
$931.0K
$940.0K
$940.0K
$903.0K
$896.0K
$884.0K
$890.0K
$886.0K
Stock-based Comp
$937.0K
$1M
$763.0K
$657.0K
$681.0K
$243.0K
$679.0K
$623.0K
$622.0K
$1M
$1M
$640.0K
$666.0K
$702.0K
$470.0K
$634.0K
Deferred Tax
$1M
$0
$-1M
$0
$-224.0K
$176.0K
$-601.0K
$2M
$-2M
$282.0K
$-77.0K
$562.0K
$-1M
$472.0K
$-2M
$-1M
Amort. of Intangibles
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
$0
Other Non-cash
·
$-6M
·
·
·
$-4M
·
·
·
$3M
·
·
·
$-5M
·
·
Operating Cash Flow
$10M
$8M
$8M
$10M
$6M
$4M
$14M
$-557.0K
$7M
$9M
$-527.0K
$13M
$13M
$7M
$18M
$18M
CapEx
$191.0K
$470.0K
$265.0K
$404.0K
$378.0K
$97.0K
$46.0K
$115.0K
$369.0K
$83.0K
$246.0K
$144.0K
$948.0K
$707.0K
$611.0K
$628.0K
Investing Cash Flow
$-108M
$-19M
$-183M
$-34M
$-31M
$83M
$-96M
$17M
$10M
$35M
$45M
$5M
$-17M
$-82M
$-398M
$-236M
Stock Repurchased
$0
$150.0K
$0
$0
$422.0K
$912.0K
$0
$231.0K
$986.0K
$920.0K
$0
$0
$0
$0
$0
$2M
Net Stock Activity
·
$-150.0K
·
·
·
$-912.0K
·
·
·
$-920.0K
·
·
·
$0
·
·
Dividends Paid
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
Financing Cash Flow
$84M
$4M
$106M
$-3M
$42M
$-90M
$98M
$24M
$-14M
$-66M
$-33M
$-22M
$-11M
$-4M
$513M
$269M
Net Change in Cash
$-15M
$-7M
$-70M
$-27M
$18M
$-3M
$16M
$40M
$4M
$-22M
$11M
$-4M
$-15M
$-78M
$133M
$52M
Taxes Paid
·
·
·
$2M
$3M
$515.0K
·
$2M
$3M
$426.0K
$2M
$3M
$7M
$162.0K
$3M
$3M
Free Cash Flow
·
$7M
·
·
·
$4M
·
·
·
$9M
·
·
·
$6M
·
·
Levered FCF
·
·
·
·
·
·
·
·
·
$-11M
·
·
·
$-8M
·
·
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
1860.5%
1445.5%
·
1293.7%
1348.4%
1144.2%
·
335.0%
·
1237.8%
·
3325.5%
2211.4%
3629.0%
·
3822.5%
Pretax Margin
2451.1%
1842.2%
·
1730.3%
1752.7%
1489.5%
·
471.6%
·
1671.7%
·
4371.1%
2817.7%
4737.8%
·
4829.6%
EBITDA Margin
·
141.7%
·
·
·
161.8%
·
·
·
309.2%
·
·
·
309.1%
·
·
ROA
0.37%
0.34%
·
0.31%
0.28%
0.22%
·
0.06%
·
0.12%
·
0.33%
0.28%
0.36%
·
0.37%
ROE
4.1%
3.8%
·
3.6%
3.3%
2.5%
·
0.73%
·
1.5%
·
4.0%
3.4%
4.6%
·
4.3%
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
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
$40.57
$39.11
·
$37.17
$35.98
$34.89
·
$34.09
·
$33.89
·
$32.88
$31.78
$30.89
·
$30.02
Revenue / Share
$0.08
$0.10
·
$0.10
$0.09
$0.08
·
$0.07
·
$0.04
·
$0.04
$0.05
$0.04
·
$0.03
Cash Flow / Share
·
$0.99
·
·
·
$0.51
·
·
·
$1.17
·
·
·
$0.93
·
·
Dividend / Share
$0.20
$0.20
$0.20
$0.20
$0.20
$0.20
$0.20
$0.20
$0.20
$0.20
$0.20
$0.20
$0.20
$0.20
$0.20
$0.20
EPS (TTM)
$5.36
$4.98
·
$3.65
$2.62
$1.62
·
$1.93
$2.89
$3.82
·
$4.62
$4.55
$5.08
·
$4.76
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
$3M
$3M
·
$3M
$2M
$2M
·
$2M
$1M
$2M
·
$1M
$1M
$1M
·
$986.0K
Net Income TTM
$43M
$40M
·
$29M
$21M
$13M
·
$15M
$23M
$30M
·
$36M
$36M
$40M
·
$37M
Market Cap
$468M
$387M
·
$349M
$284M
$238M
·
$235M
·
$205M
·
$190M
$191M
$195M
·
$224M
P/E
11.0
9.7
·
12.1
13.8
18.6
·
15.5
8.8
6.8
·
5.3
5.4
4.9
·
6.1
P/S
156.4
128.8
·
131.8
116.3
105.3
·
114.1
·
124.6
·
148.2
155.2
174.4
·
227.7
P/B
1.4
1.2
·
1.2
1.0
0.9
·
0.9
·
0.8
·
0.7
0.8
0.8
·
1.0
P / Tangible Book
1.5
1.3
·
1.2
1.0
0.9
·
0.9
0.8
0.8
·
0.7
0.8
0.8
·
1.0
P / Cash Flow
·
50.1
·
·
·
60.7
·
·
·
22.7
·
·
·
27.4
·
·
Dividend Yield
1.3%
1.6%
·
1.8%
2.2%
2.6%
·
2.7%
·
3.0%
·
3.3%
3.2%
3.2%
·
2.7%
Earnings Yield
9.1%
10.3%
·
8.2%
7.3%
5.4%
·
6.4%
11.4%
14.7%
·
19.0%
18.7%
20.4%
·
16.4%
Payout Ratio
·
14.0%
·
·
·
22.8%
·
·
·
42.0%
·
·
·
15.0%
·
·
Annual Payout
$6M
$6M
·
$6M
$6M
$6M
·
$6M
·
$6M
·
$6M
$6M
$6M
·
$6M
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
Revenue
$3M
$2M
$2M
$1M
$872.0K
Net Income
$35M
$10M
$37M
$37M
$27M
Diluted EPS
$4.45
$1.23
$4.67
$4.79
$3.36
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
$27M
$29M
$30M
$78M
·
Institutional owners (13F)
130 filers
· $241.8M total
· As of June 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.
Holders130
Value held$241.8M
New positions19
Exited positions9
Institutional activity — Q2 2026 vs prior quarter
New positions
Exited positions
Increased
Decreased
Net shares change
19 (+2 vs prior Q)
9 (+3 vs prior Q)
50 (+2 vs prior Q)
31 (+4 vs prior Q)
+298K
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.
Seidman and Associates LLC, Seidman Investment Partnership LP, Seidman Investment Partnership II LP, LSBK06-08 LLC, Broad Park Investors LLC, Chewy Gooey Cookies LP, Veteri Place Corporation, Lawrence B Seidman×3 filings
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
35 insiders
· 11 officers · 22 directors