CARE Carter Bankshares, Inc. - Common Stock
$31.23
Price · Aug 19, 2026
Fundamentals as of Aug 6, 2026
52W Range
$17–$36
75% of range
Analyst Rating
BUY
11 analysts
Price Target
$34
+10% upside
P/E (TTM)
22.6
ROE
7.6%
Net Profit Margin
154.4%
CARE Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$31.23
Market Cap
$690M
P/E (TTM)
22.6
EPS (TTM)
$1.38
Revenue (TTM)
$20M
Div Yield
—
ROE
7.6%
Debt/Equity
—
52W Range
$17 – $36
CARE Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$20M
2019-12-31
→
2025-12-31
EPS
$1.38
2019-12-31
→
2025-12-31
Free Cash Flow
$32M
2021-12-31
→
2025-12-31
Margins
154.4%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
CARE
Peer Median
P/E (TTM)
22.6
11.1
P/S (TTM)
33.9
2.5
P/B
1.6
1.0
Price / FCF
21.7
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
CARE
Peer Median
Net Profit Margin
154.4%
26.0%
ROA
0.66%
1.1%
ROE
7.6%
11.7%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
CARE
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
CARE
Peer Median
Revenue YoY
4.7%
—
Revenue CAGR 3Y
3.5%
—
Revenue CAGR 5Y
2.5%
—
EPS YoY
30.2%
—
Net Income YoY
27.9%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
CARE
Peer Median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
—
Payout Ratio
—
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 10, 2026 | $0.1000 |
| May 11, 2026 | $0.1000 |
| Feb. 14, 2020 | $0.1400 |
| July 13, 2016 | $0.1000 |
| April 21, 2016 | $0.1000 |
| Jan. 13, 2016 | $0.1000 |
| Oct. 13, 2015 | $0.1000 |
| July 15, 2015 | $0.1000 |
| April 13, 2015 | $0.1000 |
| Jan. 14, 2015 | $0.1000 |
| Oct. 9, 2014 | $0.1000 |
| July 10, 2014 | $0.1000 |
| April 10, 2014 | $0.1000 |
| Jan. 9, 2014 | $0.1000 |
| Oct. 10, 2013 | $0.1000 |
| July 11, 2013 | $0.1000 |
| April 11, 2013 | $0.1000 |
| Jan. 10, 2013 | $0.1000 |
| Oct. 11, 2012 | $0.1000 |
| July 11, 2012 | $0.1000 |
CARE Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
11 analysts
- Strong Buy 3 27.3%
- Buy 4 36.4%
- Hold 4 36.4%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
3 analysts · 2026-08-14
Median
$34.50
← Below all targets
$31.23
Low
$34.00
High
$35.00
Median target
$34.50
+10.5%
Mean target
$34.50
+10.5%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.44%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.48 | $0.77 | -0.29% |
| March 31, 2026 | $0.40 | $2.80 | -2.4% |
| Dec. 31, 2025 | $0.41 | $0.36 | 0.05% |
| Sept. 30, 2025 | $0.26 | $0.42 | -0.16% |
| June 30, 2025 | $0.41 | $0.33 | 0.08% |
| March 31, 2025 | $0.39 | $0.29 | 0.10% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CARE | $434M | 14.2 | 4.7% | 154.4% | 7.6% | — |
| NWFL | $267M | 9.3 | 8.1% | 347.0% | 11.9% | — |
| TSBK | $263M | 9.1 | 9.6% | 35.3% | 11.3% | — |
| NECB | $316M | 7.0 | -0.71% | 42.4% | 12.9% | — |
| AVBH | $291M | -11.8 | -61.9% | -63.2% | -8.1% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 11
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $20M | $19M | $17M | $18M | $17M | $18M | $13M | |
| Interest Expense | · | · | $74M | $20M | $23M | $36M | $47M | |
| Interest Income | $232M | $222M | $196M | $160M | $134M | $141M | $159M | |
| Pretax Income | $40M | $31M | $29M | $62M | $36M | $-45M | $28M | |
| Income Tax | $9M | $6M | $5M | $12M | $4M | $772.0K | $1M | |
| Net Income | $31M | $25M | $23M | $50M | $32M | $-46M | $27M | |
| EPS (Basic) | $1.38 | $1.06 | $1.00 | $2.03 | $1.19 | $-1.74 | $1.01 | |
| EPS (Diluted) | $1.38 | $1.06 | $1.00 | $2.03 | $1.19 | $-1.74 | $1.01 | |
| Shares (Basic) | 22,456,705 | 22,817,149 | 23,240,543 | 24,595,789 | 26,342,729 | 26,379,774 | 26,258,576 | |
| Shares (Diluted) | 22,456,705 | 22,817,149 | 23,240,543 | 24,595,789 | 26,342,729 | 26,379,774 | 26,258,576 | |
| EBITDA | $8M | $7M | $6M | $6M | $6M | · | · |
Balance Sheet 15
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $105M | · | · | · | $278M | $242M | · | |
| PP&E (Net) | $72M | $74M | $74M | $72M | $75M | $85M | · | |
| PP&E (Gross) | $121M | $122M | $115M | $111M | $112M | $120M | · | |
| Accum. Depreciation | $48M | $48M | $41M | $39M | $36M | $35M | · | |
| Goodwill | $1M | $0 | · | · | · | · | · | |
| Intangibles | $940.0K | $0 | · | · | · | · | · | |
| Total Assets | $4.85B | $4.66B | $4.51B | $4.20B | $4.13B | $4.18B | · | |
| Total Liabilities | $4.43B | $4.27B | $4.16B | $3.88B | $3.73B | $3.74B | · | |
| Common Stock | $22M | $23M | $23M | $24M | $26M | $26M | · | |
| Paid-in Capital | $75M | $92M | $91M | $105M | $144M | $143M | · | |
| Retained Earnings | $365M | $334M | $309M | $286M | $235M | $255M | · | |
| AOCI | $-42M | $-65M | $-71M | $-86M | $2M | $16M | · | |
| Stockholders' Equity | $420M | $384M | $351M | $329M | $408M | $440M | $473M | |
| Liabilities + Equity | $4.85B | $4.66B | $4.51B | $4.20B | $4.13B | $4.18B | · | |
| Shares Outstanding | 22,083,007 | 23,069,175 | 22,956,304 | 23,956,772 | 26,430,919 | 26,385,041 | · |
Cash Flow 16
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| D&A | $8M | $7M | $6M | $6M | $6M | $6M | $5M | |
| Stock-based Comp | $2M | $2M | $2M | $1M | $1M | $1M | $381.0K | |
| Deferred Tax | $2M | $3M | $368.0K | $4M | $3M | $-2M | $-76.0K | |
| Amort. of Intangibles | $161.0K | · | · | · | · | · | · | |
| Other Non-cash | $-4M | $919.0K | $15M | $10M | $36M | · | · | |
| Operating Cash Flow | $40M | $37M | $47M | $71M | $78M | $8M | $38M | |
| CapEx | $8M | $8M | $10M | $6M | $8M | $10M | $8M | |
| Investing Cash Flow | $-156M | $-68M | $-307M | $-382M | $-106M | $-93M | $-129M | |
| Stock Repurchased | $20M | $0 | $16M | $43M | $157.0K | $0 | $0 | |
| Net Stock Activity | $-20M | $0 | $-16M | $-43M | $-157.0K | · | · | |
| Dividends Paid | · | · | · | $0 | $0 | $4M | $0 | |
| Financing Cash Flow | $90M | $108M | $268M | $80M | $65M | $202M | $-77M | |
| Net Change in Cash | $-26M | $77M | $8M | $-231M | $36M | $116M | $-168M | |
| Taxes Paid | $4M | $303.0K | $6M | · | · | · | · | |
| Free Cash Flow | $32M | $29M | $37M | $65M | $69M | · | · | |
| Levered FCF | · | · | $-23M | $48M | $49M | · | · |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 154.4% | 126.3% | 135.4% | 262.3% | 158.7% | · | · | |
| Pretax Margin | 196.9% | 159.0% | 166.3% | 323.0% | 179.4% | · | · | |
| EBITDA Margin | 38.7% | 36.3% | 36.2% | 31.7% | 31.3% | · | · | |
| ROA | 0.66% | 0.53% | 0.54% | 1.2% | 0.76% | · | · | |
| ROE | 7.6% | 6.4% | 6.9% | 15.6% | 7.8% | · | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | · |
Growth Rates 7
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 4.7% | 12.4% | -5.8% | 4.8% | -2.8% | · | · | |
| Revenue CAGR 3Y | 3.5% | 3.5% | -1.4% | · | · | · | · | |
| Revenue CAGR 5Y | 2.5% | · | · | · | · | · | · | |
| EPS YoY | 30.2% | 6.0% | -50.7% | 70.6% | · | · | · | |
| EPS CAGR 3Y | -12.1% | -3.8% | · | · | · | · | · | |
| Net Income YoY | 27.9% | 4.9% | -53.3% | 58.7% | · | · | · | |
| Net Income CAGR 3Y | -14.5% | -8.1% | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $20M | $19M | $17M | $18M | $17M | $18M | · | |
| Net Income TTM | $31M | $25M | $23M | $50M | $32M | $-46M | · | |
| Market Cap | $434M | $406M | $344M | $397M | $407M | · | · | |
| P/E | 14.2 | 16.6 | 15.0 | 8.2 | 12.9 | -6.2 | · | |
| P/S | 21.4 | 20.9 | 19.9 | 21.7 | 23.3 | · | · | |
| P/B | 1.0 | 1.1 | 1.0 | 1.2 | 1.0 | · | · | |
| P / Tangible Book | 1.0 | 1.1 | 1.0 | 1.2 | 1.0 | · | · | |
| P / Cash Flow | 10.9 | 11.0 | 7.4 | 5.6 | 5.2 | · | · | |
| P / FCF | 13.6 | 14.1 | 9.3 | 6.1 | 5.9 | · | · | |
| Dividend Yield | · | · | · | 0.00% | 0.00% | · | · | |
| Earnings Yield | 7.0% | 6.0% | 6.7% | 12.2% | 7.7% | -16.2% | · | |
| Payout Ratio | · | · | · | 0.00% | 0.00% | · | · | |
| Annual Payout | · | · | · | $0 | $0 | $4M | · |
Income Statement 10
| 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 | · | · | · | · | · | · | · | · | · | $26M | · | $21M | $17M | $11M | $7M | $5M | |
| Interest Income | $61M | $59M | $59M | $59M | $58M | $56M | $57M | $57M | $55M | $54M | $52M | $49M | $44M | $52M | $48M | $42M | |
| Pretax Income | $37M | $110M | $11M | $7M | $11M | $11M | $11M | $7M | $6M | $7M | $-2M | $4M | $6M | $20M | $19M | $19M | |
| Income Tax | $8M | $24M | $3M | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $-1.0K | $780.0K | $54.0K | $5M | $3M | $5M | |
| Net Income | $29M | $86M | $8M | $5M | $9M | $9M | $8M | $6M | $5M | $6M | $-2M | $4M | $6M | $16M | $16M | $14M | |
| EPS (Basic) | $1.31 | $3.88 | $0.38 | $0.24 | $0.37 | $0.39 | $0.36 | $0.24 | $0.21 | $0.25 | $-0.07 | $0.16 | $0.24 | $0.67 | $0.64 | $0.59 | |
| EPS (Diluted) | $1.31 | $3.88 | $0.38 | $0.24 | $0.37 | $0.39 | $0.36 | $0.24 | $0.21 | $0.25 | $-0.07 | $0.16 | $0.24 | $0.67 | $0.64 | $0.59 | |
| Shares (Basic) | 21,838,645 | 21,846,942 | -45,517,204 | 22,294,228 | 22,805,881 | 22,873,800 | -45,612,291 | 22,832,619 | 22,826,510 | 22,770,311 | -46,989,954 | 22,946,179 | 23,513,837 | 23,770,481 | -49,900,224 | 24,265,075 | |
| Shares (Diluted) | 21,838,645 | 21,846,942 | -45,517,204 | 22,294,228 | 22,805,881 | 22,873,800 | -45,612,291 | 22,832,619 | 22,826,510 | 22,770,311 | -46,989,954 | 22,946,179 | 23,513,837 | 23,770,481 | -49,900,224 | 24,265,075 | |
| EBITDA | · | $2M | · | · | · | $2M | · | · | · | $2M | · | · | · | $2M | · | · |
Balance Sheet 15
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $277M | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $66M | |
| PP&E (Net) | $70M | $71M | $72M | $72M | $72M | $74M | $74M | $73M | $73M | $73M | · | $74M | $75M | $72M | · | $73M | |
| PP&E (Gross) | · | · | $121M | · | · | · | $122M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $48M | · | · | · | $48M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $1M | $1M | $1M | $1M | $1M | · | $0 | · | · | · | · | · | · | · | · | · | |
| Intangibles | $812.0K | $874.0K | $940.0K | $1M | $1M | · | $0 | · | · | · | · | · | · | · | · | · | |
| Total Assets | $4.80B | $4.80B | $4.85B | $4.84B | $4.78B | $4.70B | $4.66B | $4.61B | $4.53B | $4.55B | · | $4.45B | $4.38B | $4.37B | · | $4.11B | |
| Total Liabilities | $4.26B | $4.29B | $4.43B | $4.43B | $4.38B | $4.30B | $4.27B | $4.23B | $4.17B | $4.20B | · | $4.12B | $4.04B | $4.01B | · | $3.80B | |
| Common Stock | $22M | $22M | $22M | $22M | $23M | $23M | $23M | $23M | $23M | $23M | · | $23M | $23M | $24M | · | $24M | |
| Paid-in Capital | $73M | $75M | $75M | $80M | $84M | $92M | $92M | $92M | $91M | $91M | · | $90M | $96M | $103M | · | $107M | |
| Retained Earnings | $477M | $451M | $365M | $356M | $351M | $343M | $334M | $325M | $320M | $315M | · | $311M | $307M | $302M | · | $270M | |
| AOCI | $-33M | $-43M | $-42M | $-46M | $-52M | $-56M | $-65M | $-53M | $-70M | $-70M | · | $-94M | $-82M | $-73M | · | $-86M | |
| Stockholders' Equity | $539M | $505M | $420M | $413M | $406M | $402M | $384M | $387M | $364M | $359M | $351M | $331M | $344M | $355M | $329M | $315M | |
| Liabilities + Equity | $4.80B | $4.80B | $4.85B | $4.84B | $4.78B | $4.70B | $4.66B | $4.61B | $4.53B | $4.55B | · | $4.45B | $4.38B | $4.37B | · | $4.11B | |
| Shares Outstanding | 22,162,213 | 22,159,980 | 22,083,007 | 22,406,406 | 22,669,834 | 23,161,993 | 23,069,175 | 23,072,014 | 23,072,750 | 23,020,542 | · | 22,955,753 | 23,371,835 | 23,895,543 | · | 24,111,171 |
Cash Flow 13
| 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 | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Stock-based Comp | $616.0K | $519.0K | $522.0K | $539.0K | $529.0K | $481.0K | $428.0K | $458.0K | $425.0K | $441.0K | $390.0K | $395.0K | $431.0K | $345.0K | $304.0K | $306.0K | |
| Deferred Tax | $-958.0K | $6M | $1M | $-652.0K | $507.0K | $1M | $1M | $3M | $-2M | $189.0K | $112.0K | $-283.0K | $84.0K | $455.0K | $2M | $440.0K | |
| Other Non-cash | · | $209M | · | · | · | $-6M | · | · | · | $10M | · | · | · | $4M | · | · | |
| Operating Cash Flow | $-261M | $304M | $12M | $12M | $10M | $6M | $11M | $10M | $-2M | $18M | $8M | $9M | $7M | $22M | $23M | $21M | |
| CapEx | $2M | $2M | $3M | $2M | $2M | $2M | $3M | $2M | $2M | $1M | $2M | $2M | $4M | $2M | $2M | $2M | |
| Investing Cash Flow | $352M | $-27M | $-11M | $-50M | $-13M | $-81M | $-34M | $-23M | $-22M | $10M | $-52M | $-79M | $-51M | $-125M | $-112M | $-20M | |
| Stock Repurchased | · | · | $6M | $5M | · | · | $0 | $0 | $0 | $0 | $0 | $6M | $8M | $2M | $3M | $8M | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | $0 | · | · | · | $-2M | · | · | |
| Financing Cash Flow | $-43M | $-154M | $-2M | $45M | $15M | $33M | $48M | $56M | $-22M | $26M | $43M | $72M | $16M | $138M | $70M | $-5M | |
| Net Change in Cash | $48M | $123M | $-2M | $7M | $11M | $-42M | $26M | $43M | $-46M | $54M | $-869.0K | $2M | $-28M | $35M | $-19M | $-5M | |
| Free Cash Flow | · | $302M | · | · | · | $5M | · | · | · | $16M | · | · | · | $21M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-4M | · | · | · | $12M | · | · |
Profitability 5
| 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 | 42.1% | 80.2% | · | 13.9% | 22.8% | 24.2% | · | 16.4% | 14.3% | 17.4% | · | 11.1% | 18.0% | 35.0% | · | 33.5% | |
| Pretax Margin | 54.2% | 102.9% | · | 18.3% | 28.5% | 30.1% | · | 20.5% | 17.6% | 21.6% | · | 13.5% | 18.1% | 43.6% | · | 45.2% | |
| EBITDA Margin | · | 2.0% | · | · | · | 5.2% | · | · | · | 5.0% | · | · | · | 3.3% | · | · | |
| ROA | 0.60% | 1.8% | · | 0.11% | 0.18% | 0.19% | · | 0.12% | 0.11% | 0.13% | · | 0.08% | 0.13% | 0.38% | · | 0.35% | |
| ROE | 6.1% | 18.9% | · | 1.4% | 2.2% | 2.4% | · | 1.6% | 1.4% | 1.6% | · | 1.1% | 1.7% | 4.5% | · | 4.0% |
Efficiency 1
| 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 |
Valuation (TTM) 8
| 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 Income TTM | $129M | $109M | · | $29M | $28M | $25M | · | $20M | $20M | $31M | · | $41M | $52M | $57M | · | $40M | |
| Market Cap | $754M | $517M | · | $435M | $393M | $375M | · | $401M | $349M | $291M | · | $288M | $346M | $335M | · | $388M | |
| P/E | 5.9 | 4.8 | · | 15.7 | 14.3 | 14.8 | · | 20.2 | 17.6 | 9.6 | · | 7.3 | 6.9 | 6.0 | · | 10.1 | |
| P/B | 1.4 | 1.0 | · | 1.1 | 1.0 | 0.9 | · | 1.0 | 1.0 | 0.8 | · | 0.9 | 1.0 | 0.9 | · | 1.2 | |
| P / Tangible Book | 1.4 | 1.0 | · | 1.1 | 1.0 | 0.9 | · | 1.0 | 1.0 | 0.8 | · | 0.9 | 1.0 | 0.9 | · | 1.2 | |
| P / Cash Flow | · | 1.7 | · | · | · | 58.8 | · | · | · | 16.5 | · | · | · | 14.9 | · | · | |
| P / FCF | · | 1.7 | · | · | · | 77.2 | · | · | · | 17.8 | · | · | · | 16.3 | · | · | |
| Earnings Yield | 17.1% | 20.9% | · | 6.4% | 7.0% | 6.7% | · | 5.0% | 5.7% | 10.4% | · | 13.7% | 14.5% | 16.8% | · | 9.9% |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Revenue | $20M | $19M | $17M | $18M | $17M |
| Net Income | $31M | $25M | $23M | $50M | $32M |
| Diluted EPS | $1.38 | $1.06 | $1.00 | $2.03 | $1.19 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $32M | $29M | $37M | $65M | $69M |
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Institutional owners (13F) 168 filers · $353.9M total · As of June 30, 2026
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.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 56 (+39 vs prior Q) | 13 (+2 vs prior Q) | 49 (+6 vs prior Q) | 30 (-13 vs prior Q) | +1.0M |
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.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| DIMENSIONAL FUND ADVISORS LP | $40,807,239 | 1,199,860 | 11.53% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $32,509,377 | 955,877 | 9.19% | Shares |
| STATE STREET CORP | $31,027,663 | 912,310 | 8.77% | Shares |
| AMERICAN CENTURY COMPANIES INC | $24,132,411 | 709,568 | 6.82% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $21,791,635 | 640,742 | 6.16% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $16,825,729 | 494,603 | 4.75% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $13,062,697 | 384,084 | 3.69% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $10,265,646 | 301,842 | 2.90% | Shares |
| GOLDMAN SACHS GROUP INC | $9,480,219 | 278,748 | 2.68% | Shares |
| ALGERT GLOBAL LLC | $9,462,024 | 278,213 | 2.67% | Shares |
| Hillsdale Investment Management Inc. | $8,966,975 | 263,657 | 2.53% | Shares |
| Huber Capital Management LLC | $6,242,637 | 183,553 | 1.76% | Shares |
| Petiole USA ltd | $6,095,340 | 179,222 | 1.72% | Shares |
| TUDOR INVESTMENT CORP ET AL | $5,489,894 | 161,420 | 1.55% | Shares |
| FMR LLC | $5,196,048 | 152,780 | 1.47% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $5,041,132 | 148,225 | 1.42% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $4,910,636 | 144,388 | 1.39% | Shares |
| DIVERSIFIED TRUST CO | $4,821,325 | 141,762 | 1.36% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $4,818,639 | 141,683 | 1.36% | Shares |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | $4,476,022 | 131,609 | 1.26% | Shares |
| Russell Investments Group, Ltd. | $3,857,550 | 113,424 | 1.09% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,625,126 | 106,590 | 1.02% | Shares |
| Trexquant Investment LP | $3,414,502 | 100,397 | 0.96% | Shares |
| BANK OF AMERICA CORP /DE/ | $3,365,528 | 98,957 | 0.95% | Shares |
| Empowered Funds, LLC | $3,309,105 | 97,298 | 0.93% | Shares |
| FIRST TRUST ADVISORS LP | $3,170,616 | 93,226 | 0.90% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $3,125,485 | 91,899 | 0.88% | Shares |
| MACKENZIE FINANCIAL CORP | $3,058,281 | 89,923 | 0.86% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $2,989,649 | 87,905 | 0.84% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $2,908,161 | 85,509 | 0.82% | Shares |
| Aquatic Capital Management LLC | $2,758,313 | 81,103 | 0.78% | Shares |
| PRUDENTIAL FINANCIAL INC | $2,692,742 | 79,175 | 0.76% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $2,154,295 | 63,343 | 0.61% | Shares |
| Oppenheimer & Close, LLC | $2,125,625 | 62,500 | 0.60% | Shares |
| FIRST MANHATTAN CO. LLC. | $2,040,600 | 60,000 | 0.58% | Shares |
| AMERIPRISE FINANCIAL INC | $1,944,998 | 57,189 | 0.55% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $1,812,699 | 53,299 | 0.51% | Shares |
| STIFEL FINANCIAL CORP | $1,709,206 | 50,256 | 0.48% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $1,488,788 | 43,775 | 0.42% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $1,370,705 | 40,303 | 0.39% | Shares |
| SIERRA SUMMIT ADVISORS LLC | $1,346,082 | 39,579 | 0.38% | Shares |
| MILLENNIUM MANAGEMENT LLC | $1,313,364 | 38,617 | 0.37% | Shares |
| Quantinno Capital Management LP | $1,311,133 | 38,551 | 0.37% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $1,249,799 | 36,748 | 0.35% | Shares |
| EJF Capital LP | $1,224,394 | 36,001 | 0.35% | Shares |
| D. E. Shaw & Co., Inc. | $1,142,294 | 33,587 | 0.32% | Shares |
| Balyasny Asset Management L.P. | $1,081,552 | 31,801 | 0.31% | Shares |
| Bank of New York Mellon Corp | $1,068,220 | 31,409 | 0.30% | Shares |
| BlackRock, Inc. | $1,060,568 | 31,184 | 0.30% | Shares |
| MORGAN STANLEY | $1,059,276 | 31,146 | 0.30% | Shares |
| RHUMBLINE ADVISERS | $980,296 | 28,824 | 0.28% | Shares |
| Campbell & CO Investment Adviser LLC | $979,148 | 28,790 | 0.28% | Shares |
| BARCLAYS PLC | $884,770 | 26,015 | 0.25% | Shares |
| Richard Young Associates, Ltd. | $832,259 | 24,471 | 0.24% | Shares |
| XTX Topco Ltd | $778,625 | 22,894 | 0.22% | Shares |
| MARSHALL WACE, LLP | $752,234 | 22,118 | 0.21% | Shares |
| Kingsview Wealth Management, LLC | $748,502 | 32,097 | 0.21% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $737,201 | 21,676 | 0.21% | Shares |
| Rafferty Asset Management, LLC | $730,229 | 21,471 | 0.21% | Shares |
| Engineers Gate Manager LP | $707,408 | 20,800 | 0.20% | Shares |
| Vanguard Global Advisers, LLC | $659,454 | 19,390 | 0.19% | Shares |
| WELLS FARGO & COMPANY/MN | $643,401 | 18,918 | 0.18% | Shares |
| ALLIANCEBERNSTEIN L.P. | $554,550 | 23,780 | 0.16% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $541,541 | 15,923 | 0.15% | Shares |
| Retirement Planning Group, LLC | $511,646 | 15,044 | 0.14% | Shares |
| Baader Bank Aktiengesellschaft | $510,150 | 15,000 | 0.14% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $508,178 | 14,942 | 0.14% | Shares |
| LightSquare Wealth Management, LLC | $500,253 | 14,709 | 0.14% | Shares |
| CAXTON ASSOCIATES LLP | $436,042 | 12,821 | 0.12% | Shares |
| LPL Financial LLC | $431,791 | 12,696 | 0.12% | Shares |
| MetLife Investment Management, LLC | $431,009 | 12,673 | 0.12% | Shares |
| State of Wyoming | $429,240 | 12,621 | 0.12% | Shares |
| Partners in Financial Planning | $418,289 | 12,299 | 0.12% | Shares |
| MASSACHUSETTS FINANCIAL SERVICES CO /MA/ | $380,130 | 11,177 | 0.11% | Shares |
| CITADEL ADVISORS LLC | $362,547 | 10,660 | 0.10% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $354,010 | 10,409 | 0.10% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $348,228 | 10,239 | 0.10% | Shares |
| State of Tennessee, Department of Treasury | $327,177 | 9,620 | 0.09% | Shares |
| Magnetar Financial LLC | $324,081 | 9,529 | 0.09% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $322,551 | 9,484 | 0.09% | Shares |
| Cornerstone Investment Partners, LLC | $316,327 | 9,301 | 0.09% | Shares |
| Sterling Capital Management LLC | $312,280 | 9,182 | 0.09% | Shares |
| Invesco Ltd. | $307,178 | 9,032 | 0.09% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $296,941 | 8,731 | 0.08% | Shares |
| Mariner, LLC | $292,734 | 8,609 | 0.08% | Shares |
| Cambria Investment Management, L.P. | $280,276 | 8,241 | 0.08% | Shares |
| Integrated Wealth Concepts LLC | $270,242 | 7,946 | 0.08% | Shares |
| HighTower Advisors, LLC | $257,966 | 7,585 | 0.07% | Shares |
| Semanteon Capital Management, LP | $257,116 | 7,560 | 0.07% | Shares |
| Allegheny Financial Group | $243,119 | 7,148 | 0.07% | Shares |
| CARY STREET PARTNERS FINANCIAL LLC | $233,770 | 6,874 | 0.07% | Shares |
| STATE BOARD OF ADMINISTRATION OF FLORIDA RETIREMENT SYSTEM | $229,908 | 6,760 | 0.06% | Shares |
| Police & Firemen's Retirement System of New Jersey | $229,431 | 6,746 | 0.06% | Shares |
| Ethic Inc. | $225,384 | 6,627 | 0.06% | Shares |
| Quantbot Technologies LP | $205,522 | 6,043 | 0.06% | Shares |
| Aigen Investment Management, LP | $204,774 | 6,021 | 0.06% | Shares |
| Nuveen, LLC | $196,102 | 5,766 | 0.06% | Shares |
| Cubist Systematic Strategies, LLC | $185,847 | 9,575 | 0.05% | Shares |
| VANGUARD GROUP INC | $171,121 | 8,704 | 0.05% | Shares |
| Salomon & Ludwin, LLC | $150,985 | 4,365 | 0.04% | Shares |
Company insiders 10 insiders · 7 officers · 2 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Litz H Van Dyke | CHIEF EXECUTIVE OFFICER | June 30, 2026 A | 79,767 | 0 | 0 | $0 |
| Wendy S. Bell | SENIOR EXECUTIVE VP, CFO | June 30, 2026 A | 46,651 | 0 | 0 | $0 |
| Bradford N. Langs | PRESIDENT, CHIEF STRATEGY OFCR | July 30, 2026 S | 33,242 | 0 | 1 | $-86,350 |
| Matthew M. Speare | SEVP, CHIEF OPERATING OFFICER | June 30, 2026 A | 31,798 | 0 | 0 | $0 |
| Arthur Loran Adams | EVP, DIRECTOR OF REG RISK MNGT | June 30, 2026 A | 16,302 | 0 | 0 | $0 |
| Jane Ann Davis | EVP, CHIEF ADMIN. OFFICER | June 30, 2026 A | 17,327 | 0 | 0 | $0 |
| Tony E Kallsen | SEVP, CHIEF CREDIT OFFICER | June 30, 2026 A | 26,091 | 0 | 0 | $0 |
| Robert M. Bolton | Director | July 30, 2026 S | 55,000 | 0 | 1 | $-51,900 |
| Gregory W Feldmann | — | Aug. 4, 2026 G | 16,921 | 0 | 0 | $0 |
| Robert W Conner | — | Feb. 14, 2023 A | 75,962 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 40 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| AFSM · First Trust Exchange-Traded Fund VI… | 0.30% | 10,778 NS | May 31, 2026 | N-PORT |
| EBIT · Harbor ETF Trust | 0.07% | 324 NS | April 30, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.05% | 54,291 NS | May 31, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.05% | 503,791 NS | May 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.03% | 98,356 NS | April 30, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.03% | 135,756 NS | April 30, 2026 | N-PORT |
| RSSL · Global X Funds | 0.02% | 9,491 NS | April 30, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.02% | 3,839 NS | May 31, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.02% | 1,029 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 73,726 NS | April 30, 2026 | N-PORT |
| UWM · ProShares Trust | 0.01% | 805 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.01% | 814 NS | May 31, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 909 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 20 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 2,652 NS | April 30, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 10,796 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 33,177 NS | April 30, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,073 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 4,744 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 6,506 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 20 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VFQY · VANGUARD WELLINGTON FUND | — | — | July 30, 2026 | Daily |
| VFMF · VANGUARD WELLINGTON FUND | — | — | July 30, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| ITOT · iShares Trust | — | — | July 22, 2026 | Daily |
| IWV · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWN · iShares Trust | — | — | Aug. 17, 2026 | Daily |
| IWO · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWM · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWC · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | — | — | July 13, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | — | — | July 13, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | — | — | July 20, 2026 | Daily |
| ISCF · iShares Trust | — | — | July 20, 2026 | Daily |
| DWAS · Invesco Exchange-Traded Fund Trust … | — | — | July 20, 2026 | Daily |