CBNK Capital Bancorp, Inc. - Common Stock
$37.64
Price · Aug 17, 2026
Fundamentals as of Aug 7, 2026
52W Range
$26–$39
90% of range
Analyst Rating
BUY
10 analysts
Price Target
$42
+10% upside
P/E (TTM)
11.0
ROE
14.6%
Net Profit Margin
23.3%
CBNK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$37.64
Market Cap
$613M
P/E (TTM)
11.0
EPS (TTM)
$3.41
Revenue (TTM)
—
Div Yield
1.2%
ROE
14.6%
Debt/Equity
—
52W Range
$26 – $39
CBNK Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
Configure
10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$3.41
2023-12-31
→
2025-12-31
Free Cash Flow
—
Margins
23.3%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
CBNK
Peer Median
P/E (TTM)
11.0
11.2
P/S (TTM)
2.5
2.1
P/B
1.5
1.1
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
CBNK
Peer Median
Net Profit Margin
23.3%
26.9%
ROA
1.7%
1.3%
ROE
14.6%
12.4%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
CBNK
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
CBNK
Peer Median
Revenue YoY
31.7%
—
Revenue CAGR 3Y
13.0%
—
Revenue CAGR 5Y
12.8%
—
EPS YoY
60.9%
—
Net Income YoY
84.6%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
CBNK
Peer Median
Payout Ratio
12.8%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
1.2%
Payout Ratio
12.8%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 10, 2026 | $0.1400 |
| May 11, 2026 | $0.1200 |
| Feb. 9, 2026 | $0.1200 |
| Nov. 10, 2025 | $0.1200 |
| Aug. 11, 2025 | $0.1200 |
| May 12, 2025 | $0.1000 |
| Feb. 10, 2025 | $0.1000 |
| Nov. 4, 2024 | $0.1000 |
| Aug. 5, 2024 | $0.1000 |
| May 3, 2024 | $0.0800 |
| Feb. 2, 2024 | $0.0800 |
| Nov. 3, 2023 | $0.0800 |
| Aug. 4, 2023 | $0.0800 |
| May 12, 2023 | $0.0600 |
| Feb. 3, 2023 | $0.0600 |
| Nov. 4, 2022 | $0.0600 |
| Aug. 5, 2022 | $0.0600 |
| May 6, 2022 | $0.0500 |
| Feb. 7, 2022 | $0.0500 |
| Nov. 12, 2021 | $0.0500 |
CBNK Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
10 analysts
- Strong Buy 3 30.0%
- Buy 5 50.0%
- Hold 2 20.0%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
4 analysts · 2026-08-19
Median
$42.00
Mean
$41.50
← Below all targets
$37.64
Low
$40.00
High
$42.00
Median target
$42.00
+11.6%
Mean target
$41.50
+10.3%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.01%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.87 | $0.84 | 0.03% |
| March 31, 2026 | $0.73 | $0.79 | -0.06% |
| Dec. 31, 2025 | $0.91 | $0.80 | 0.11% |
| Sept. 30, 2025 | $0.72 | $0.85 | -0.13% |
| June 30, 2025 | $0.85 | $0.90 | -0.05% |
| March 31, 2025 | $0.88 | $0.74 | 0.14% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CBNK | $461M | 8.3 | 31.7% | 23.3% | 14.6% | — |
| KRNY | $416M | 15.4 | — | 16.9% | 3.5% | — |
| BWB | $487M | 11.8 | 30.8% | 32.1% | 9.3% | — |
| UNTY | $516M | 9.1 | 23.1% | 44.0% | 18.1% | — |
| SFST | $423M | 13.8 | 13.0% | 483.4% | 8.5% | — |
| NRIM | $588M | 9.3 | 30.4% | 25.3% | 20.9% | 81.7% |
| NPB | $579M | 8.0 | 29.2% | 34.5% | 14.2% | — |
| FBIZ | $452M | 9.1 | 9.9% | 29.8% | 14.1% | — |
| GCBC | $378M | 12.1 | 16.1% | 41.3% | 13.6% | — |
| CIVB | — | 8.4 | -0.52% | 242.9% | 9.8% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 11
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income | · | $-4M | $-5M | $-4M | · | · | · | · | · | |
| Interest Expense | · | · | $42M | $10M | $7M | $13M | $16M | $11M | $8M | |
| Interest Income | $261M | $213M | $183M | $151M | $123M | $97M | $82M | $69M | $57M | |
| Pretax Income | $75M | $42M | $46M | $54M | $54M | $35M | $23M | $18M | $14M | |
| Income Tax | $18M | $11M | $10M | $12M | $14M | $9M | $6M | $5M | $7M | |
| Net Income | $57M | $31M | $36M | $42M | $40M | $26M | $17M | $13M | $7M | |
| EPS (Basic) | $3.45 | $2.12 | $2.56 | $2.98 | $2.90 | $1.87 | $1.23 | $1.05 | $0.63 | |
| EPS (Diluted) | $3.41 | $2.12 | $2.55 | $2.91 | $2.84 | $1.87 | $1.21 | $1.02 | $0.62 | |
| Shares (Basic) | 16,581,591 | 14,584,303 | 14,002,556 | 14,024,598 | 13,798,620 | 13,793,256 | 13,733,131 | 12,116,459 | 11,261,132 | |
| Shares (Diluted) | 16,767,565 | 14,640,177 | 14,080,547 | 14,362,203 | 14,081,403 | 13,800,176 | 13,968,585 | 12,462,138 | 11,428,000 | |
| EBITDA | · | $-4M | $-5M | · | · | · | · | · | · |
Balance Sheet 15
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | · | · | · | $35M | $52M | |
| PP&E (Net) | $15M | $16M | $5M | $3M | $3M | $4M | $6M | $3M | $3M | |
| PP&E (Gross) | · | · | · | · | · | · | · | $9M | $8M | |
| Accum. Depreciation | · | · | · | · | · | · | · | $6M | $5M | |
| Goodwill | $26M | $21M | $0 | $0 | · | · | · | · | · | |
| Intangibles | $15M | $16M | · | · | · | · | · | · | · | |
| Total Assets | $3.61B | $3.21B | $2.23B | $2.12B | $2.06B | $1.88B | $1.43B | $1.11B | $1.03B | |
| Total Liabilities | $3.20B | $2.85B | $1.97B | $1.90B | $1.86B | $1.72B | $1.29B | $990M | $946M | |
| Common Stock | $164.0K | $167.0K | $139.0K | $141.0K | $140.0K | $138.0K | $139.0K | $137.0K | $115.0K | |
| Paid-in Capital | $115M | $124M | $54M | $58M | $54M | $51M | $52M | $49M | $27M | |
| Retained Earnings | $293M | $243M | $213M | $182M | $145M | $107M | $82M | $66M | $53M | |
| AOCI | $-6M | $-11M | $-13M | $-17M | $-1M | $2M | $13.0K | $-595.0K | $-247.0K | |
| Stockholders' Equity | $402M | $355M | $255M | $224M | $198M | $159M | $133M | $115M | $80M | |
| Liabilities + Equity | $3.61B | $3.21B | $2.23B | $2.12B | $2.06B | $1.88B | $1.43B | $1.11B | $1.03B | |
| Shares Outstanding | 16,373,288 | 16,662,626 | 13,922,532 | 14,138,829 | 13,962,334 | 13,753,529 | 13,894,842 | 13,672,479 | 11,537,196 |
Cash Flow 15
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $2M | $2M | $2M | $2M | $1M | $983.0K | $795.0K | $570.0K | $506.0K | |
| Deferred Tax | $1M | $-2M | $142.0K | $1M | $-2M | $-3M | $-839.0K | $-141.0K | $-239.0K | |
| Amort. of Intangibles | $1M | $262.0K | $0 | · | · | · | · | · | · | |
| Operating Cash Flow | $70M | $35M | $47M | $51M | $132M | $5M | $-27M | $28M | $35M | |
| CapEx | · | · | · | · | · | · | · | $2M | $1M | |
| Investing Cash Flow | $-351M | $-270M | $-131M | $-198M | $-238M | $-386M | $-188M | $-109M | $-133M | |
| Stock Issued | · | · | · | · | · | · | $0 | $198.0K | $0 | |
| Stock Repurchased | $12M | $1M | $9M | $0 | $0 | $4M | $371.0K | $45.0K | $512.0K | |
| Net Stock Activity | $-12M | $-1M | $-9M | · | $0 | $-4M | $-371.0K | $153.0K | · | |
| Dividends Paid | $7M | $5M | $4M | $3M | $1M | $0 | · | · | · | |
| Financing Cash Flow | $331M | $386M | $57M | $44M | $143M | $412M | $295M | $63M | $113M | |
| Net Change in Cash | $50M | $151M | $-26M | $-103M | $36M | $32M | $80M | $-18M | $14M | |
| Taxes Paid | $19M | $9M | $8M | $12M | $16M | $12M | $5M | $3M | $8M | |
| Free Cash Flow | · | · | · | · | · | · | · | $27M | · | |
| Levered FCF | · | · | · | · | · | · | · | $18M | · |
Profitability 7
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | · | -2.0% | -2.8% | · | · | · | · | · | · | |
| Net Margin | 23.3% | 16.6% | 21.5% | 24.6% | 23.9% | 17.8% | 18.4% | 17.2% | · | |
| Pretax Margin | 30.6% | 22.5% | 27.8% | 31.9% | 32.2% | 24.2% | 24.7% | 24.0% | · | |
| EBITDA Margin | · | -2.0% | -2.8% | · | · | · | · | · | · | |
| ROA | 1.7% | 1.1% | 1.6% | 2.0% | 1.9% | 1.4% | 1.2% | 1.2% | · | |
| ROE | 14.6% | 9.8% | 14.4% | 19.1% | 20.7% | 16.7% | 12.9% | 11.5% | · | |
| ROIC | · | -0.77% | -1.4% | · | · | · | · | · | · |
Liquidity & Solvency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | -0.1 | · | · | · | · | · | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | · |
Growth Rates 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 31.7% | 11.8% | -2.1% | 1.6% | 24.7% | · | · | · | · | |
| Revenue CAGR 3Y | 13.0% | 3.6% | 7.4% | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 12.8% | · | · | · | · | · | · | · | · | |
| EPS YoY | 60.9% | -16.9% | -12.4% | 2.5% | 51.9% | · | · | · | · | |
| EPS CAGR 3Y | 5.4% | -9.3% | 10.9% | · | · | · | · | · | · | |
| EPS CAGR 5Y | 12.8% | · | · | · | · | · | · | · | · | |
| Net Income YoY | 84.6% | -13.7% | -14.2% | 4.6% | 54.8% | · | · | · | · | |
| Net Income CAGR 3Y | 11.0% | -8.2% | 11.6% | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 17.2% | · | · | · | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $245M | $186M | $167M | $170M | $167M | $134M | $92M | $74M | · | |
| Net Income TTM | $57M | $31M | $36M | $42M | $40M | $26M | $17M | $13M | · | |
| Market Cap | $461M | $475M | $337M | $333M | $366M | $192M | $207M | $156M | · | |
| P/E | 8.3 | 13.4 | 9.5 | 8.1 | 9.2 | 7.4 | 12.3 | 11.2 | · | |
| P/S | 1.9 | 2.6 | 2.0 | 2.0 | 2.2 | 1.4 | 2.2 | 2.1 | · | |
| P/B | 1.1 | 1.3 | 1.3 | 1.5 | 1.8 | 1.2 | 1.6 | 1.4 | · | |
| P / Tangible Book | 1.3 | 1.5 | 1.3 | 1.5 | 1.8 | 1.2 | · | · | · | |
| P / Cash Flow | 6.6 | 13.6 | 7.1 | 6.5 | 2.8 | 35.1 | -7.9 | 5.5 | · | |
| P / FCF | · | · | · | · | · | · | · | 5.9 | · | |
| Dividend Yield | 1.6% | 1.1% | 1.2% | 0.93% | 0.38% | 0.00% | · | · | · | |
| Earnings Yield | 12.1% | 7.4% | 10.5% | 12.4% | 10.8% | 13.4% | 8.1% | 8.9% | · | |
| Payout Ratio | 12.8% | 17.0% | 10.9% | 7.4% | 3.5% | · | · | · | · | |
| Annual Payout | $7M | $5M | $4M | $3M | $1M | $0 | · | · | · |
Income Statement 11
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income | · | · | · | $-923.0K | $-933.0K | $-903.0K | · | $-1M | $-782.0K | $-931.0K | $-1M | $-953.0K | $-1M | $-964.0K | · | · | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $13M | · | $11M | $10M | $9M | $6M | $2M | |
| Interest Income | $70M | $68M | $69M | $65M | $65M | $63M | $62M | $53M | $51M | $48M | $47M | $48M | $45M | $43M | $41M | $38M | |
| Pretax Income | $18M | $16M | $20M | $20M | $17M | $18M | $11M | $11M | $11M | $9M | $11M | $13M | $10M | $13M | $12M | $14M | |
| Income Tax | $4M | $4M | $5M | $5M | $4M | $4M | $3M | $3M | $3M | $2M | $2M | $3M | $2M | $3M | $3M | $3M | |
| Net Income | $14M | $12M | $15M | $15M | $13M | $14M | $8M | $9M | $8M | $7M | $9M | $10M | $7M | $10M | $9M | $11M | |
| EPS (Basic) | $0.87 | $0.74 | $0.91 | $0.91 | $0.79 | $0.84 | $0.44 | $0.62 | $0.59 | $0.47 | $0.65 | $0.70 | $0.52 | $0.69 | $0.64 | $0.79 | |
| EPS (Diluted) | $0.87 | $0.73 | $0.92 | $0.89 | $0.78 | $0.82 | $0.44 | $0.62 | $0.59 | $0.47 | $0.65 | $0.70 | $0.52 | $0.68 | $0.63 | $0.77 | |
| Shares (Basic) | 16,287,884 | 16,345,156 | -33,253,369 | 16,585,538 | 16,583,894 | 16,665,528 | -27,142,918 | 13,913,639 | 13,894,858 | 13,918,724 | -28,114,499 | 13,932,848 | 14,024,824 | 14,159,383 | -28,001,599 | 14,030,408 | |
| Shares (Diluted) | 16,372,900 | 16,440,911 | -33,803,826 | 16,844,035 | 16,801,902 | 16,925,454 | -27,124,305 | 13,950,900 | 13,894,858 | 13,918,724 | -28,274,579 | 14,023,906 | 14,058,928 | 14,272,292 | -28,664,226 | 14,374,980 | |
| EBITDA | · | · | · | $-923.0K | $-933.0K | $-903.0K | · | $-1M | $-782.0K | $-931.0K | · | · | · | · | · | · |
Balance Sheet 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $18M | $18M | $15M | $15M | $15M | $15M | $16M | $6M | $6M | $4M | $5M | $5M | $5M | $5M | $3M | $3M | |
| Goodwill | $26M | $26M | $26M | $26M | $22M | $24M | $21M | · | · | · | $0 | · | · | · | · | · | |
| Intangibles | $14M | $15M | $15M | $15M | $15M | $16M | $16M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $3.89B | $3.81B | $3.61B | $3.39B | $3.39B | $3.35B | $3.21B | $2.56B | $2.44B | $2.32B | $2.23B | $2.27B | $2.23B | $2.25B | $2.12B | $2.01B | |
| Total Liabilities | $3.47B | $3.40B | $3.20B | $2.99B | $3.01B | $2.98B | $2.85B | $2.28B | $2.17B | $2.06B | $1.97B | $2.03B | $1.99B | $2.01B | $1.90B | $1.80B | |
| Common Stock | $163.0K | $163.0K | $164.0K | $166.0K | $166.0K | $167.0K | $167.0K | $139.0K | $139.0K | $139.0K | $139.0K | $139.0K | $140.0K | $141.0K | $141.0K | $140.0K | |
| Paid-in Capital | $113M | $112M | $115M | $127M | $127M | $129M | $124M | $56M | $55M | $54M | $54M | $55M | $56M | $57M | $58M | $57M | |
| Retained Earnings | $315M | $303M | $293M | $274M | $261M | $250M | $243M | $233M | $226M | $219M | $213M | $206M | $197M | $191M | $182M | $175M | |
| AOCI | $-6M | $-6M | $-6M | $-7M | $-8M | $-9M | $-11M | $-9M | $-13M | $-14M | $-13M | $-18M | $-16M | $-14M | $-17M | $-18M | |
| Stockholders' Equity | $422M | $409M | $402M | $395M | $380M | $370M | $355M | $280M | $268M | $259M | $255M | $243M | $237M | $235M | $224M | $214M | |
| Liabilities + Equity | $3.89B | $3.81B | $3.61B | $3.39B | $3.39B | $3.35B | $3.21B | $2.56B | $2.44B | $2.32B | $2.23B | $2.27B | $2.23B | $2.25B | $2.12B | $2.01B | |
| Shares Outstanding | 16,289,288 | 16,286,480 | 16,373,288 | 16,589,241 | 16,581,990 | 16,657,168 | 16,662,626 | 13,917,891 | 13,910,467 | 13,889,563 | 13,922,532 | 13,896,062 | 13,981,414 | 14,083,037 | 14,138,829 | 14,038,599 |
Cash Flow 11
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $985.0K | $512.0K | $378.0K | $823.0K | $0 | $407.0K | $473.0K | $475.0K | $475.0K | $472.0K | $440.0K | $441.0K | $438.0K | $438.0K | $415.0K | $415.0K | |
| Deferred Tax | $-913.0K | $-436.0K | $-450.0K | $2M | $-109.0K | $1.0K | $-2M | $-21.0K | $-3.0K | $-7.0K | $218.0K | $0 | $-11.0K | $-65.0K | $-24.0K | $318.0K | |
| Amort. of Intangibles | $261.0K | $260.0K | $262.0K | $262.0K | $261.0K | $261.0K | $262.0K | $0 | $0 | $0 | · | · | · | · | · | · | |
| Operating Cash Flow | $-5M | $22M | $18M | $33M | $-4M | $23M | $26M | $-464.0K | $13M | $-3M | $6M | $22M | $8M | $10M | $6M | $16M | |
| Investing Cash Flow | $-53M | $-72M | $-141M | $-88M | $-60M | $-61M | $-63M | $-84M | $-66M | $-58M | $-39M | $-26M | $-7M | $-59M | $-68M | $-78M | |
| Stock Repurchased | $36.0K | $4M | $9M | $-312.0K | $3M | $618.0K | $0 | $0 | $0 | $1M | $2M | $2M | $2M | $3M | $0 | $0 | |
| Net Stock Activity | · | $-4M | · | · | · | $-618.0K | · | · | · | $-1M | · | · | · | $-3M | · | · | |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $843.0K | $850.0K | $843.0K | $842.0K | |
| Financing Cash Flow | $77M | $194M | $190M | $-31M | $45M | $127M | $86M | $104M | $104M | $92M | $-59M | $31M | $-23M | $108M | $105M | $-152M | |
| Net Change in Cash | $19M | $144M | $67M | $-86M | $-19M | $89M | $49M | $20M | $51M | $31M | $-92M | $27M | $-21M | $60M | $43M | $-214M | |
| Taxes Paid | $8M | $40.0K | $3M | $-875.0K | $17M | $8.0K | $627.0K | $8M | $18.0K | $36.0K | $0 | $2M | $6M | $35.0K | $3M | $4M |
Profitability 7
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | · | · | · | -1.5% | -1.5% | -1.5% | · | -2.2% | -1.8% | -2.3% | · | · | · | · | · | · | |
| Net Margin | 21.8% | 19.1% | · | 23.9% | 21.6% | 23.8% | · | 19.3% | 18.7% | 16.0% | · | 22.7% | 17.4% | 24.0% | · | 25.3% | |
| Pretax Margin | 28.3% | 25.3% | · | 31.5% | 28.1% | 31.2% | · | 25.6% | 24.9% | 21.0% | · | 29.6% | 22.8% | 31.2% | · | 33.0% | |
| EBITDA Margin | · | · | · | -1.5% | -1.5% | -1.5% | · | -2.2% | -1.8% | -2.3% | · | · | · | · | · | · | |
| ROA | 0.39% | 0.34% | · | 0.51% | 0.45% | 0.49% | · | 0.36% | 0.35% | 0.29% | · | 0.46% | 0.33% | 0.45% | · | 0.53% | |
| ROE | 3.5% | 3.1% | · | 4.5% | 4.1% | 4.4% | · | 3.3% | 3.2% | 2.7% | · | 4.3% | 3.3% | 4.5% | · | 5.5% | |
| ROIC | · | · | · | -0.18% | -0.19% | -0.19% | · | -0.27% | -0.22% | -0.27% | · | · | · | · | · | · |
Liquidity & Solvency 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | · | · | · | · | · | · | · | -0.1 | · | · | · | · | · | · |
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) 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $252M | $245M | · | $227M | $208M | $189M | · | $173M | $170M | $167M | · | $169M | $170M | $170M | · | $174M | |
| Net Income TTM | $54M | $54M | · | $51M | $44M | $37M | · | $33M | $32M | $33M | · | $38M | $40M | $43M | · | $44M | |
| Market Cap | $572M | $484M | · | $529M | $557M | $472M | · | $358M | $285M | $289M | · | $266M | $253M | $234M | · | $324M | |
| P/E | 10.7 | 9.2 | · | 10.3 | 12.0 | 11.3 | · | 10.8 | 9.0 | 8.8 | · | 7.2 | 6.5 | 5.6 | · | 7.5 | |
| P/S | 2.3 | 2.0 | · | 2.3 | 2.7 | 2.5 | · | 2.1 | 1.7 | 1.7 | · | 1.6 | 1.5 | 1.4 | · | 1.9 | |
| P/B | 1.4 | 1.2 | · | 1.3 | 1.5 | 1.3 | · | 1.3 | 1.1 | 1.1 | · | 1.1 | 1.1 | 1.0 | · | 1.5 | |
| P / Tangible Book | 1.5 | 1.3 | · | 1.5 | 1.6 | 1.4 | · | 1.3 | 1.1 | 1.1 | · | 1.1 | 1.1 | 1.0 | · | 1.5 | |
| P / Cash Flow | · | 22.2 | · | · | · | 20.9 | · | · | · | -84.8 | · | · | · | 22.6 | · | · | |
| Earnings Yield | 9.3% | 10.8% | · | 9.8% | 8.4% | 8.8% | · | 9.3% | 11.1% | 11.4% | · | 14.0% | 15.3% | 17.8% | · | 13.3% | |
| Payout Ratio | · | 16.3% | · | · | · | 12.0% | · | · | · | 17.0% | · | · | · | 8.7% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | |
|---|---|---|---|---|---|
| Operating Margin % | — | — | — | -2.0% | — |
| Net Income | $57M | — | — | $31M | — |
| Diluted EPS | $3.41 | — | — | $2.12 | — |
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Institutional owners (13F) 138 filers · $200.4M 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 |
|---|---|---|---|---|
| 26 (+10 vs prior Q) | 13 (+9 vs prior Q) | 42 (+8 vs prior Q) | 33 (-14 vs prior Q) | +822K |
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 |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $17,486,459 | 497,906 | 8.73% | Shares |
| ALLIANCEBERNSTEIN L.P. | $13,068,529 | 439,426 | 6.52% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $12,746,628 | 362,945 | 6.36% | Shares |
| AMERICAN CENTURY COMPANIES INC | $10,393,729 | 295,949 | 5.19% | Shares |
| Wealthspire Advisors, LLC | $10,241,521 | 291,615 | 5.11% | Shares |
| Pacific Ridge Capital Partners, LLC | $10,057,350 | 286,371 | 5.02% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $9,288,011 | 264,465 | 4.63% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $9,007,590 | 256,403 | 4.50% | Shares |
| STATE STREET CORP | $8,422,268 | 239,814 | 4.20% | Shares |
| Ategra Capital Management, LLC | $8,121,711 | 231,256 | 4.05% | Shares |
| Ballast Asset Management, LP | $6,597,608 | 187,859 | 3.29% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $5,787,284 | 164,786 | 2.89% | Shares |
| Squarepoint Ops LLC | $4,844,944 | 137,954 | 2.42% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $3,722,158 | 105,984 | 1.86% | Shares |
| Empowered Funds, LLC | $3,664,280 | 104,336 | 1.83% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,265,528 | 92,982 | 1.63% | Shares |
| Gator Capital Management, LLC | $3,223,665 | 91,790 | 1.61% | Shares |
| Qube Research & Technologies Ltd | $2,855,537 | 81,308 | 1.42% | Shares |
| De Lisle Partners LLP | $2,666,501 | 75,893 | 1.33% | Shares |
| BANC FUNDS CO LLC | $2,644,536 | 75,300 | 1.32% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $2,633,684 | 74,991 | 1.31% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,620,128 | 74,605 | 1.31% | Shares |
| CITADEL ADVISORS LLC | $2,525,830 | 71,920 | 1.26% | Shares |
| BROWN ADVISORY INC | $2,467,918 | 70,271 | 1.23% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $2,296,040 | 65,377 | 1.15% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $2,262,782 | 64,430 | 1.13% | Shares |
| Elizabeth Park Capital Advisors, Ltd. | $2,115,067 | 60,224 | 1.06% | Shares |
| Man Group plc | $1,967,317 | 56,017 | 0.98% | Shares |
| Kendall Capital Management | $1,861,360 | 53,000 | 0.93% | Shares |
| WEDGE CAPITAL MANAGEMENT L L P/NC | $1,706,422 | 57,378 | 0.85% | Shares |
| MILLENNIUM MANAGEMENT LLC | $1,616,644 | 46,032 | 0.81% | Shares |
| FIRST TRUST ADVISORS LP | $1,511,916 | 43,050 | 0.75% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $1,459,061 | 41,545 | 0.73% | Shares |
| FIRST CITIZENS BANK & TRUST CO | $1,439,568 | 40,990 | 0.72% | Shares |
| Militia Capital Partners, LP | $1,323,990 | 47,000 | 0.66% | Shares |
| Verdence Capital Advisors LLC | $1,316,547 | 37,487 | 0.66% | Shares |
| Trexquant Investment LP | $1,210,481 | 34,467 | 0.60% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,145,720 | 32,623 | 0.57% | Shares |
| Bank of New York Mellon Corp | $1,115,446 | 31,761 | 0.56% | Shares |
| Numerai GP LLC | $973,175 | 27,710 | 0.49% | Shares |
| Ackerman Asset Management, LLC | $933,349 | 26,576 | 0.47% | Shares |
| TWO SIGMA ADVISERS, LP | $738,054 | 26,200 | 0.37% | Shares |
| SummerHaven Investment Management, LLC | $719,328 | 20,482 | 0.36% | Shares |
| PNC Financial Services Group, Inc. | $706,052 | 20,104 | 0.35% | Shares |
| BANK OF AMERICA CORP /DE/ | $705,139 | 20,078 | 0.35% | Shares |
| Boston Partners | $696,180 | 19,823 | 0.35% | Shares |
| XTX Topco Ltd | $695,868 | 19,814 | 0.35% | Shares |
| D. E. Shaw & Co., Inc. | $617,164 | 17,573 | 0.31% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $579,480 | 16,500 | 0.29% | Shares |
| FIFTH THIRD BANCORP | $538,109 | 15,322 | 0.27% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $500,355 | 14,247 | 0.25% | Shares |
| RHUMBLINE ADVISERS | $498,277 | 14,188 | 0.25% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $480,547 | 13,683 | 0.24% | Shares |
| Arcus Capital Partners, LLC | $451,714 | 12,862 | 0.23% | Shares |
| AMERIPRISE FINANCIAL INC | $410,904 | 11,700 | 0.21% | Shares |
| Harbor Advisors LLC | $404,477 | 11,517 | 0.20% | Shares |
| DEUTSCHE BANK AG\ | $384,178 | 10,939 | 0.19% | Shares |
| ExodusPoint Capital Management, LP | $374,695 | 10,669 | 0.19% | Shares |
| Rockefeller Capital Management L.P. | $353,881 | 10,076 | 0.18% | Shares |
| PRUDENTIAL FINANCIAL INC | $348,215 | 9,915 | 0.17% | Shares |
| WELLS FARGO & COMPANY/MN | $329,496 | 9,382 | 0.16% | Shares |
| Sequoia Financial Advisors, LLC | $323,877 | 9,222 | 0.16% | Shares |
| SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC | $309,934 | 8,825 | 0.15% | Shares |
| FEDERATED HERMES, INC. | $307,897 | 8,767 | 0.15% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $287,703 | 8,192 | 0.14% | Shares |
| COMERICA BANK | $280,348 | 9,952 | 0.14% | Shares |
| Sterling Capital Management LLC | $279,064 | 7,946 | 0.14% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $260,239 | 7,410 | 0.13% | Shares |
| GOLDMAN SACHS GROUP INC | $257,711 | 7,338 | 0.13% | Shares |
| Jump Financial, LLC | $257,429 | 7,330 | 0.13% | Shares |
| Praetorian Wealth Management, Inc. | $252,302 | 7,184 | 0.13% | Shares |
| MetLife Investment Management, LLC | $249,352 | 7,100 | 0.12% | Shares |
| Sollinda Capital Management LLC | $206,681 | 5,885 | 0.10% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $181,184 | 5,159 | 0.09% | Shares |
| Vanguard Global Advisers, LLC | $164,046 | 4,671 | 0.08% | Shares |
| Invesco Ltd. | $162,641 | 4,631 | 0.08% | Shares |
| BlackRock, Inc. | $156,986 | 4,470 | 0.08% | Shares |
| VANGUARD GROUP INC | $131,582 | 4,671 | 0.07% | Shares |
| Police & Firemen's Retirement System of New Jersey | $129,136 | 3,677 | 0.06% | Shares |
| Nuveen, LLC | $118,951 | 3,387 | 0.06% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $111,682 | 3,180 | 0.06% | Shares |
| Creative Planning | $91,593 | 2,608 | 0.05% | Shares |
| UBS Group AG | $63,708 | 1,814 | 0.03% | Shares |
| AlphaQuest LLC | $63,636 | 2,259 | 0.03% | Shares |
| NORTHERN TRUST CORP | $62,373 | 1,776 | 0.03% | Shares |
| Daytona Street Capital LLC | $60,225 | 1,709 | 0.03% | Shares |
| BARCLAYS PLC | $48,851 | 1,391 | 0.02% | Shares |
| Russell Investments Group, Ltd. | $48,816 | 1,390 | 0.02% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $44,813 | 1,276 | 0.02% | Shares |
| Ameritas Investment Partners, Inc. | $41,968 | 1,195 | 0.02% | Shares |
| FMR LLC | $41,126 | 1,171 | 0.02% | Shares |
| Legal & General Group Plc | $37,227 | 1,060 | 0.02% | Shares |
| CITIGROUP INC | $30,168 | 859 | 0.02% | Shares |
| CWM, LLC | $26,469 | 890 | 0.01% | Shares |
| JPMORGAN CHASE & CO | $25,076 | 714 | 0.01% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $18,825 | 633 | 0.01% | Shares |
| Pinnacle Wealth Planning Services, Inc. | $14,153 | 403 | 0.01% | Shares |
| Tower Research Capital LLC (TRC) | $13,065 | 372 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $11,000 | 324 | 0.01% | Shares |
| Sandy Spring Bank | $9,916 | 350 | 0.00% | Shares |
Company insiders 4 insiders · 1 officers · 0 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| James Como | EVP, COO of the Bank | July 20, 2026 A | — | 0 | 0 | $0 |
| Constance E Perrine | — | Oct. 11, 2023 M | 1,880 | 0 | 0 | $0 |
| Joshua Bernstein | — | April 1, 2019 M | 98,594 | 0 | 0 | $0 |
| Scott C Brannan | — | March 15, 2019 P | 100 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 31 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 |
|---|---|---|---|---|
| IWC · iShares Trust | 0.10% | 38,671 SH | Aug. 8, 2026 | Daily |
| FSCC · Federated Hermes ETF Trust | 0.10% | 8,239 NS | May 31, 2026 | N-PORT |
| EBIT · Harbor ETF Trust | 0.08% | 277 NS | April 30, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.03% | 9,772 SH | Aug. 8, 2026 | Daily |
| IWN · iShares Trust | 0.03% | 111,928 SH | Aug. 8, 2026 | Daily |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.03% | 212,337 NS | May 31, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.03% | 21,818 NS | May 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 300,668 SH | Aug. 8, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 957 SH | Aug. 8, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 53,032 NS | April 30, 2026 | N-PORT |
| RSSL · Global X Funds | 0.01% | 4,969 NS | April 30, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 44,787 NS | April 30, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 64,212 SH | Aug. 8, 2026 | Daily |
| ITWO · ProShares Trust | 0.01% | 541 NS | May 31, 2026 | N-PORT |
| UWM · ProShares Trust | 0.01% | 424 NS | May 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.01% | 687 NS | April 30, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.00% | 3,638 SH | Aug. 8, 2026 | Daily |
| EBI · RBB Fund Trust | 0.00% | 833 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 429 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 11 NS | May 31, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 364 NS | May 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 3,135 NS | April 30, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 1,859 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 776 NS | April 30, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 2,922 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 6,996 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,468 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 132,510 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 354,580 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,007 SH | Aug. 8, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |