FCCO First Community Corporation - Common Stock
$33.96
Price · Aug 19, 2026
Fundamentals as of Aug 12, 2026
52W Range
$26–$36
82% of range
Analyst Rating
BUY
9 analysts
Price Target
$38
+11% upside
P/E (TTM)
13.7
ROE
11.9%
Net Profit Margin
2083.0%
FCCO Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$33.95
Market Cap
$261M
P/E (TTM)
13.7
EPS (TTM)
$2.47
Revenue (TTM)
$922.0K
Div Yield
1.8%
ROE
11.9%
Debt/Equity
—
52W Range
$26 – $36
FCCO 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
$922.0K
2019-12-31
→
2025-12-31
EPS
$2.47
2019-12-31
→
2025-12-31
Free Cash Flow
$18M
2019-12-31
→
2025-12-31
Margins
2083.0%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
FCCO
Peer Median
P/E (TTM)
13.7
11.9
P/S (TTM)
283.3
1.8
P/B
1.6
1.4
Price / FCF
14.9
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
FCCO
Peer Median
Net Profit Margin
2083.0%
23.8%
ROA
0.96%
1.0%
ROE
11.9%
11.1%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
FCCO
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
FCCO
Peer Median
Revenue YoY
-3.1%
—
Revenue CAGR 3Y
-1.3%
—
Revenue CAGR 5Y
-3.8%
—
EPS YoY
36.5%
—
Net Income YoY
37.6%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
FCCO
Peer Median
Payout Ratio
24.7%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
1.8%
Payout Ratio
24.7%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 4, 2026 | $0.1700 |
| May 5, 2026 | $0.1600 |
| Feb. 10, 2026 | $0.1600 |
| Nov. 4, 2025 | $0.1600 |
| Aug. 5, 2025 | $0.1600 |
| May 6, 2025 | $0.1500 |
| Feb. 4, 2025 | $0.1500 |
| Oct. 29, 2024 | $0.1500 |
| July 30, 2024 | $0.1500 |
| April 29, 2024 | $0.1400 |
| Feb. 5, 2024 | $0.1400 |
| Oct. 30, 2023 | $0.1400 |
| July 31, 2023 | $0.1400 |
| May 1, 2023 | $0.1400 |
| Jan. 30, 2023 | $0.1400 |
| Oct. 31, 2022 | $0.1300 |
| Aug. 1, 2022 | $0.1300 |
| May 2, 2022 | $0.1300 |
| Jan. 31, 2022 | $0.1300 |
| Nov. 1, 2021 | $0.1200 |
FCCO Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
9 analysts
- Strong Buy 3 33.3%
- Buy 5 55.6%
- Hold 1 11.1%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
3 analysts · 2026-08-18
Median
$38.00
Mean
$37.83
← Below all targets
$33.95
Low
$37.50
High
$38.00
Median target
$38.00
+11.9%
Mean target
$37.83
+11.4%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.06%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.80 | $0.72 | 0.08% |
| March 31, 2026 | $0.72 | $0.64 | 0.08% |
| Dec. 31, 2025 | $0.69 | $0.69 | -0.00% |
| Sept. 30, 2025 | $0.72 | $0.66 | 0.06% |
| June 30, 2025 | $0.67 | $0.58 | 0.09% |
| March 31, 2025 | $0.51 | $0.46 | 0.05% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| FCCO | $228M | 12.0 | -3.1% | 2083.0% | 11.9% | — |
| FSBW | $309M | 9.6 | 44.8% | 21.8% | 11.0% | — |
| FDBC | $251M | 9.0 | 15.3% | 30.2% | 12.3% | — |
| MYFW | $261M | 20.0 | 7.6% | 13.6% | 5.0% | — |
| CBNA | — | 11.2 | 3.8% | 36.8% | 12.4% | — |
| ISBA | $366M | 19.5 | 11.5% | 24.1% | 8.4% | — |
| 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 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $922.0K | $952.0K | $963.0K | $960.0K | $977.0K | $1M | $2M | $2M | $1M | $1M | |
| Interest Expense | $35M | $37M | $24M | $3M | $2M | $4M | $6M | $4M | $3M | $3M | |
| Interest Income | $97M | $89M | $73M | $51M | $48M | $44M | $43M | $40M | $32M | $30M | |
| Pretax Income | $25M | $18M | $15M | $18M | $20M | $13M | $14M | $14M | $9M | $9M | |
| Income Tax | $6M | $4M | $3M | $4M | $4M | $2M | $3M | $3M | $3M | $2M | |
| Net Income | $19M | $14M | $12M | $15M | $15M | $10M | $11M | $11M | $6M | $7M | |
| EPS (Basic) | $2.51 | $1.83 | $1.56 | $1.94 | $2.06 | $1.36 | $1.46 | $1.48 | $0.85 | $1.01 | |
| EPS (Diluted) | $2.47 | $1.81 | $1.55 | $1.92 | $2.05 | $1.35 | $1.45 | $1.45 | $0.83 | $0.98 | |
| Shares (Basic) | 7,663,000 | 7,617,000 | 7,568,000 | 7,529,000 | 7,491,000 | 7,446,000 | 7,510,000 | 7,581,000 | 6,849 | 6,617 | |
| Shares (Diluted) | 7,761,000 | 7,702,000 | 7,647,000 | 7,608,000 | 7,549,000 | 7,482,000 | 7,588,000 | 7,730,000 | 7,003 | 6,787 |
Balance Sheet 14
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | $69M | $65M | $48M | $32M | $31M | $22M | |
| PP&E (Net) | $29M | $30M | $31M | $31M | $33M | $34M | $35M | $35M | $36M | $30M | |
| PP&E (Gross) | $48M | $47M | $47M | $46M | $47M | $48M | $47M | $45M | $45M | $37M | |
| Accum. Depreciation | $19M | $17M | $16M | $15M | $14M | $13M | $12M | $10M | $9M | $7M | |
| Goodwill | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $5M | |
| Intangibles | $289.0K | $446.0K | $604.0K | $761.0K | $919.0K | $1M | $1M | $2M | $3M | $1M | |
| Total Assets | $2.06B | $1.96B | $1.83B | $1.67B | $1.58B | $1.40B | $1.17B | $1.09B | $1.05B | $915M | |
| Total Liabilities | $1.89B | $1.81B | $1.70B | $1.55B | $1.44B | $1.26B | $1.05B | $979M | $945M | $833M | |
| Common Stock | $8M | $8M | $8M | $8M | $8M | $8M | $7M | $8M | $8M | $7M | |
| Retained Earnings | $80M | $66M | $56M | $49M | $38M | $26M | $20M | $12M | $4M | $573.0K | |
| AOCI | $-18M | $-25M | $-28M | $-32M | $3M | $11M | $2M | $-2M | $-444.0K | $-1M | |
| Stockholders' Equity | $168M | $144M | $131M | $118M | $141M | $136M | $120M | $112M | $106M | $82M | |
| Liabilities + Equity | $2.06B | $1.96B | $1.83B | $1.67B | $1.58B | $1.40B | $1.17B | $1.09B | $1.05B | $915M | |
| Shares Outstanding | 7,693,215 | 7,644,424 | 7,606,172 | 7,577,912 | 7,548,638 | 7,500,338 | 7,440,026 | 7,638,681 | 7,587,938 | 6,708,393 |
Cash Flow 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $1M | $753.0K | $794.0K | · | · | · | · | · | · | · | |
| Amort. of Intangibles | $158.0K | $158.0K | $158.0K | $158.0K | $201.0K | $363.0K | $523.0K | $563.0K | $343.0K | $318.0K | |
| Operating Cash Flow | $19M | $12M | $13M | $22M | $58M | $-17M | $5M | $20M | $18M | $5M | |
| CapEx | $1M | $1M | $1M | $1M | $813.0K | $1M | $3M | $1M | $3M | $1M | |
| Investing Cash Flow | $-81M | $-68M | $-90M | $-163M | $-236M | $-172M | $-49M | $-48M | $9M | $-52M | |
| Stock Issued | · | $-104.0K | $-28.0K | $28.0K | $136.0K | $4.0K | · | · | · | · | |
| Stock Repurchased | · | · | · | · | · | · | $6M | · | · | · | |
| Net Stock Activity | · | $-104.0K | $-28.0K | $28.0K | $46.0K | $4.0K | $-6M | · | · | · | |
| Dividends Paid | $5M | $4M | $4M | $4M | $4M | $4M | $3M | $3M | $2M | $2M | |
| Financing Cash Flow | $73M | $111M | $134M | $109M | $182M | $206M | $60M | $30M | $-19M | $45M | |
| Net Change in Cash | · | · | · | · | $4M | $17M | $15M | $2M | $9M | $-942.0K | |
| Free Cash Flow | $18M | $10M | $11M | $21M | $57M | $-18M | $2M | $19M | $15M | $4M | |
| Levered FCF | $-9M | $-20M | $-8M | $18M | $55M | $-21M | $-2M | $15M | $14M | $2M |
Profitability 4
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 2083.0% | 1465.9% | 1229.8% | 1522.2% | 1582.9% | 900.9% | 665.3% | 634.8% | 14.9% | 18.9% | |
| Pretax Margin | 2696.2% | 1866.6% | 1561.8% | 1917.8% | 2011.0% | 1123.5% | 838.6% | 787.0% | 23.4% | 25.0% | |
| ROA | 0.96% | 0.74% | 0.68% | 0.90% | 1.0% | 0.78% | 0.97% | 1.0% | 0.59% | 0.75% | |
| ROE | 11.9% | 9.7% | 9.3% | 12.6% | 11.0% | 7.5% | 9.2% | 10.2% | 6.0% | 8.1% |
Efficiency 1
| 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 | 0.0 | 0.0 |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | -3.1% | -1.1% | 0.31% | -1.7% | -12.8% | · | · | · | · | · | |
| Revenue CAGR 3Y | -1.3% | -0.86% | -4.9% | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | -3.8% | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 36.5% | 16.8% | -19.3% | -6.3% | 51.8% | · | · | · | · | · | |
| EPS CAGR 3Y | 8.8% | -4.1% | 4.7% | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 12.8% | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 37.6% | 17.8% | -19.0% | -5.5% | 53.1% | · | · | · | · | · | |
| Net Income CAGR 3Y | 9.5% | -3.4% | 5.5% | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 13.7% | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 5.9% | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $922.0K | $952.0K | $963.0K | $960.0K | $977.0K | $1M | $2M | $2M | $1M | $1M | |
| Net Income TTM | $19M | $14M | $12M | $15M | $15M | $10M | $11M | $11M | $6M | $7M | |
| Market Cap | $228M | $183M | $164M | $166M | $158M | $127M | $161M | $148M | $171M | $121M | |
| P/E | 12.0 | 13.3 | 13.9 | 11.4 | 10.2 | 12.6 | 14.9 | 13.4 | 27.2 | 18.4 | |
| P/S | 247.4 | 192.7 | 170.1 | 172.8 | 161.3 | 113.7 | 97.5 | 83.9 | 115.4 | 86.2 | |
| P/B | 1.4 | 1.3 | 1.2 | 1.4 | 1.1 | 0.9 | 1.3 | 1.3 | 1.6 | 1.5 | |
| P / Tangible Book | 1.5 | 1.4 | 1.4 | 1.6 | 1.3 | 1.1 | · | · | · | · | |
| P / Cash Flow | 12.2 | 16.9 | 13.4 | 7.5 | 2.7 | -7.5 | 32.2 | 7.4 | 9.3 | 23.6 | |
| P / FCF | 13.0 | 18.8 | 14.7 | 7.9 | 2.8 | -7.0 | 73.1 | 7.9 | 11.2 | 31.1 | |
| Dividend Yield | 2.1% | 2.4% | 2.6% | 2.4% | 2.3% | 2.8% | 2.1% | 2.0% | 1.4% | 1.8% | |
| Earnings Yield | 8.3% | 7.5% | 7.2% | 8.8% | 9.8% | 8.0% | 6.7% | 7.5% | 3.7% | 5.4% | |
| Payout Ratio | 24.7% | 31.6% | 35.8% | 26.8% | 23.2% | 35.4% | 30.1% | 27.0% | 42.5% | 31.7% | |
| Annual Payout | $5M | $4M | $4M | $4M | $4M | $4M | $3M | $3M | $2M | $2M |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $213.0K | $223.0K | $234.0K | $243.0K | $224.0K | $221.0K | $230.0K | $228.0K | $235.0K | $259.0K | $271.0K | $240.0K | $220.0K | $232.0K | $190.0K | $243.0K | |
| Interest Expense | $10M | $10M | $9M | $9M | $9M | $9M | $9M | $10M | $9M | $9M | $8M | $7M | $5M | $4M | $2M | $558.0K | |
| Interest Income | $29M | $28M | $25M | $25M | $24M | $23M | $23M | $23M | $22M | $21M | $21M | $19M | $17M | $16M | $15M | $13M | |
| Pretax Income | $10M | $6M | $6M | $7M | $7M | $5M | $5M | $5M | $4M | $3M | $4M | $2M | $4M | $4M | $5M | $5M | |
| Income Tax | $2M | $437.0K | $2M | $1M | $1M | $1M | $1M | $1M | $774.0K | $730.0K | $850.0K | $464.0K | $920.0K | $963.0K | $1M | $1M | |
| Net Income | $8M | $5M | $5M | $5M | $5M | $4M | $4M | $4M | $3M | $3M | $3M | $2M | $3M | $3M | $4M | $4M | |
| EPS (Basic) | $0.81 | $0.60 | $0.63 | $0.68 | $0.68 | $0.52 | $0.55 | $0.51 | $0.43 | $0.34 | $0.43 | $0.23 | $0.44 | $0.46 | $0.54 | $0.52 | |
| EPS (Diluted) | $0.80 | $0.59 | $0.62 | $0.67 | $0.67 | $0.51 | $0.55 | $0.50 | $0.42 | $0.34 | $0.44 | $0.23 | $0.43 | $0.45 | $0.53 | $0.52 | |
| Shares (Basic) | 9,366,000 | 9,215,000 | -7,656,668 | 7,668 | 7,664,000 | 7,648,000 | -7,608,623 | 7,623 | 7,617,000 | 7,601,000 | -15,125,000 | 7,573,000 | 7,565,000 | 7,555,000 | -15,046,000 | 7,531,000 | |
| Shares (Diluted) | 9,504,000 | 9,345,000 | -7,801,800 | 7,800 | 7,787,000 | 7,768,000 | -7,680,722 | 7,722 | 7,695,000 | 7,680,000 | -15,307,000 | 7,655,000 | 7,655,000 | 7,644,000 | -15,202,000 | 7,608,000 |
Balance Sheet 14
| 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 | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $38M | |
| PP&E (Net) | $30M | $30M | $29M | $29M | $30M | $30M | $30M | $30M | $30M | $30M | · | $31M | $31M | $31M | · | $32M | |
| PP&E (Gross) | · | · | $48M | · | · | · | $47M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $19M | · | · | · | $17M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $29M | $29M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | |
| Intangibles | $3M | $3M | $289.0K | $328.0K | $368.0K | $407.0K | $446.0K | $486.0K | $525.0K | $564.0K | $604.0K | $643.0K | $682.0K | $722.0K | $761.0K | $801.0K | |
| Total Assets | $2.37B | $2.39B | $2.06B | $2.07B | $2.05B | $2.04B | $1.96B | $1.94B | $1.88B | $1.89B | · | $1.79B | $1.74B | $1.74B | · | $1.65B | |
| Total Liabilities | $2.14B | $2.17B | $1.89B | $1.91B | $1.89B | $1.89B | $1.81B | $1.80B | $1.75B | $1.75B | · | $1.67B | $1.62B | $1.61B | · | $1.54B | |
| Common Stock | $9M | $9M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | · | $8M | $8M | $8M | · | $8M | |
| Retained Earnings | $90M | $84M | $80M | $77M | $73M | $69M | $66M | $63M | $60M | $58M | · | $54M | $53M | $51M | · | $46M | |
| AOCI | $-18M | $-19M | $-18M | $-20M | $-22M | $-23M | $-25M | $-23M | $-27M | $-27M | · | $-33M | $-31M | $-29M | · | $-33M | |
| Stockholders' Equity | $228M | $221M | $168M | $162M | $156M | $150M | $144M | $143M | $136M | $133M | $131M | $124M | $124M | $124M | $118M | $114M | |
| Liabilities + Equity | $2.37B | $2.39B | $2.06B | $2.07B | $2.05B | $2.04B | $1.96B | $1.94B | $1.88B | $1.89B | · | $1.79B | $1.74B | $1.74B | · | $1.65B | |
| Shares Outstanding | 9,399,731 | 9,397,960 | 7,693,215 | 7,689,694 | 7,685,754 | 7,681,601 | 7,644,424 | 7,640,648 | · | 7,629,005 | · | 7,600,023 | 7,593,759 | 7,587,763 | · | 7,572,517 |
Cash Flow 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $368.0K | $-96.0K | $520.0K | $314.0K | $297.0K | $34.0K | $231.0K | $241.0K | · | · | · | · | · | · | · | · | |
| Amort. of Intangibles | $101.0K | $96.0K | $40.0K | $39.0K | $40.0K | $39.0K | $40.0K | $40.0K | $39.0K | $39.0K | $40.0K | $39.0K | $40.0K | $39.0K | $40.0K | $39.0K | |
| Operating Cash Flow | $-2M | $-2M | $3M | $9M | $-236.0K | $6M | $-4M | $11M | $-292.0K | $5M | $9M | $3M | $-3M | $4M | $4M | $9M | |
| CapEx | $236.0K | $96.0K | $570.0K | $122.0K | $218.0K | $200.0K | $297.0K | $179.0K | $342.0K | $279.0K | $105.0K | $255.0K | $219.0K | $492.0K | $585.0K | $338.0K | |
| Investing Cash Flow | $-27M | $-908.0K | $-21M | $-11M | $-18M | $-32M | $-31M | $-330.0K | $-25M | $-11M | $-35M | $-13M | $-32M | $-9M | $-21M | $-44M | |
| Stock Issued | · | · | · | · | · | $70.0K | · | $0 | $0 | $-104.0K | · | $0 | $0 | $-28.0K | $0 | $0 | |
| Net Stock Activity | · | · | · | · | · | $70.0K | · | · | · | $-104.0K | · | · | · | $-28.0K | · | · | |
| Dividends Paid | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $979.0K | $978.0K | |
| Financing Cash Flow | $-27M | $60M | $-15M | $12M | $1M | $75M | $13M | $50M | $-7M | $55M | $23M | $51M | $5M | $55M | $16M | $-32M | |
| Net Change in Cash | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $-66M | |
| Free Cash Flow | · | $-2M | · | · | · | $6M | · | · | · | $4M | · | · | · | $3M | · | · | |
| Levered FCF | · | $-11M | · | · | · | $-466.6K | · | · | · | $-3M | · | · | · | $721.7K | · | · |
Profitability 4
| 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 | 3565.7% | 2465.5% | · | 2136.6% | 2315.2% | 1808.6% | · | 1693.4% | 1389.4% | 1002.7% | · | 731.7% | 1512.3% | 1492.7% | · | 1625.9% | |
| Pretax Margin | 4572.3% | 2661.4% | · | 2711.1% | 2983.9% | 2344.3% | · | 2196.1% | 1718.7% | 1284.6% | · | 925.0% | 1930.5% | 1907.8% | · | 2070.8% | |
| ROA | 0.34% | 0.25% | · | 0.26% | 0.26% | 0.20% | · | 0.21% | 0.18% | 0.14% | · | 0.10% | 0.19% | 0.20% | · | 0.25% | |
| ROE | 4.0% | 3.0% | · | 3.4% | 3.6% | 2.8% | · | 2.9% | 2.5% | 2.0% | · | 1.5% | 2.8% | 2.8% | · | 3.1% |
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) 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $903.0K | $911.0K | · | $916.0K | $908.0K | $943.0K | · | $962.0K | $954.0K | $951.0K | · | $935.0K | $957.0K | $1M | · | $1M | |
| Net Income TTM | $23M | $20M | · | $18M | $16M | $14M | · | $11M | $11M | $11M | · | $13M | $15M | $15M | · | $14M | |
| Market Cap | $307M | $275M | · | $217M | $187M | $173M | · | $164M | · | $133M | · | $131M | $132M | $152M | · | $133M | |
| P/E | 12.0 | 12.0 | · | 12.0 | 11.6 | 12.7 | · | 14.4 | 12.1 | 12.0 | · | 10.5 | 9.0 | 10.5 | · | 9.2 | |
| P/S | 340.2 | 301.5 | · | 236.9 | 206.4 | 183.8 | · | 170.3 | · | 139.8 | · | 140.4 | 137.8 | 151.5 | · | 129.0 | |
| P/B | 1.3 | 1.2 | · | 1.3 | 1.2 | 1.2 | · | 1.1 | · | 1.0 | · | 1.1 | 1.1 | 1.2 | · | 1.2 | |
| P / Tangible Book | 1.6 | 1.5 | · | 1.5 | 1.3 | 1.3 | · | 1.3 | · | 1.1 | · | 1.2 | 1.2 | 1.4 | · | 1.3 | |
| P / Cash Flow | · | -114.9 | · | · | · | 26.9 | · | · | · | 28.3 | · | · | · | 38.1 | · | · | |
| P / FCF | · | -110.5 | · | · | · | 27.8 | · | · | · | 30.1 | · | · | · | 43.5 | · | · | |
| Earnings Yield | 8.3% | 8.3% | · | 8.3% | 8.6% | 7.8% | · | 7.0% | 8.2% | 8.3% | · | 9.5% | 11.1% | 9.6% | · | 10.9% | |
| Payout Ratio | · | 27.2% | · | · | · | 28.7% | · | · | · | 40.9% | · | · | · | 30.5% | · | · |
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 | $922.0K | $952.0K | $963.0K | $960.0K | $977.0K |
| Net Income | $19M | $14M | $12M | $15M | $15M |
| Diluted EPS | $2.47 | $1.81 | $1.55 | $1.92 | $2.05 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $18M | $10M | $11M | $21M | $57M |
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Institutional owners (13F) 125 filers · $141.9M 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 |
|---|---|---|---|---|
| 26 (+6 vs prior Q) | 11 (+4 vs prior Q) | 50 (+11 vs prior Q) | 19 (-8 vs prior Q) | +469K |
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 | $12,587,715 | 385,181 | 8.87% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $11,095,187 | 339,510 | 7.82% | Shares |
| Fifth Third Wealth Advisors LLC | $9,262,198 | 283,421 | 6.53% | Shares |
| ALLIANCEBERNSTEIN L.P. | $7,783,627 | 266,289 | 5.49% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $7,056,625 | 215,931 | 4.97% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $6,358,240 | 194,492 | 4.48% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $5,863,968 | 179,436 | 4.13% | Shares |
| Qube Research & Technologies Ltd | $5,082,916 | 155,536 | 3.58% | Shares |
| AMERICAN CENTURY COMPANIES INC | $4,875,366 | 149,185 | 3.44% | Shares |
| STATE STREET CORP | $4,760,659 | 145,675 | 3.36% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,993,038 | 122,186 | 2.81% | Shares |
| CITADEL ADVISORS LLC | $3,867,580 | 118,347 | 2.73% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $3,575,878 | 109,421 | 2.52% | Shares |
| Independent Advisor Alliance | $3,494,483 | 106,930 | 2.46% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $3,273,033 | 100,154 | 2.31% | Shares |
| Elizabeth Park Capital Advisors, Ltd. | $2,732,832 | 83,624 | 1.93% | Shares |
| Cutler Capital Management, LLC | $2,500,020 | 76,500 | 1.76% | Shares |
| Squarepoint Ops LLC | $2,368,124 | 72,464 | 1.67% | Shares |
| TWO SIGMA ADVISERS, LP | $2,271,190 | 76,600 | 1.60% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $2,126,749 | 65,078 | 1.50% | Shares |
| BlackRock, Inc. | $2,121,161 | 64,907 | 1.49% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,996,519 | 61,093 | 1.41% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $1,968,578 | 60,238 | 1.39% | Shares |
| Ancora Advisors LLC | $1,876,747 | 57,428 | 1.32% | Shares |
| GOLDMAN SACHS GROUP INC | $1,746,746 | 53,450 | 1.23% | Shares |
| Pinnacle Holdings, LLC | $1,506,123 | 46,087 | 1.06% | Shares |
| Asset Advisors Investment Management, LLC | $1,291,825 | 39,530 | 0.91% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $1,223,147 | 37,428 | 0.86% | Shares |
| Rosenthal | Henry Capital Advisors, Inc. | $1,154,453 | 35,326 | 0.81% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $1,094,224 | 33,483 | 0.77% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $1,080,237 | 33,055 | 0.76% | Shares |
| Anchor Investment Management, LLC | $1,045,732 | 35,776 | 0.74% | Shares |
| RBF Capital, LLC | $1,006,544 | 30,800 | 0.71% | Shares |
| SummerHaven Investment Management, LLC | $973,864 | 29,800 | 0.69% | Shares |
| MILLENNIUM MANAGEMENT LLC | $952,066 | 29,133 | 0.67% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $932,949 | 28,548 | 0.66% | Shares |
| HSBC HOLDINGS PLC | $928,460 | 28,590 | 0.65% | Shares |
| BARCLAYS PLC | $870,889 | 26,649 | 0.61% | Shares |
| XTX Topco Ltd | $852,033 | 26,072 | 0.60% | Shares |
| Numerai GP LLC | $740,758 | 22,667 | 0.52% | Shares |
| Abacus Planning Group, Inc. | $692,432 | 21,188 | 0.49% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $687,097 | 21,025 | 0.48% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $626,247 | 19,163 | 0.44% | Shares |
| D. E. Shaw & Co., Inc. | $546,802 | 16,732 | 0.39% | Shares |
| BLAIR WILLIAM & CO/IL | $512,978 | 15,697 | 0.36% | Shares |
| Trexquant Investment LP | $486,409 | 14,884 | 0.34% | Shares |
| BANK OF AMERICA CORP /DE/ | $434,350 | 13,291 | 0.31% | Shares |
| HighTower Advisors, LLC | $402,193 | 12,307 | 0.28% | Shares |
| EntryPoint Capital, LLC | $390,265 | 11,942 | 0.28% | Shares |
| BAILARD, INC. | $366,016 | 11,200 | 0.26% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $354,153 | 10,837 | 0.25% | Shares |
| Bank of New York Mellon Corp | $344,937 | 10,555 | 0.24% | Shares |
| PRINCETON CAPITAL MANAGEMENT LLC | $326,800 | 10,000 | 0.23% | Shares |
| AMERIPRISE FINANCIAL INC | $325,591 | 9,963 | 0.23% | Shares |
| Daytona Street Capital LLC | $323,900 | 10,000 | 0.23% | Shares |
| Man Group plc | $301,342 | 9,221 | 0.21% | Shares |
| Schonfeld Strategic Advisors LLC | $298,694 | 9,140 | 0.21% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $298,369 | 9,130 | 0.21% | Shares |
| Quadrature Capital Ltd | $294,872 | 9,023 | 0.21% | Shares |
| RHUMBLINE ADVISERS | $290,419 | 8,887 | 0.20% | Shares |
| Voleon Capital Management LP | $289,708 | 8,865 | 0.20% | Shares |
| DEUTSCHE BANK AG\ | $281,767 | 8,622 | 0.20% | Shares |
| Point72 Asset Management, L.P. | $253,303 | 7,751 | 0.18% | Shares |
| Facet Wealth, Inc. | $242,453 | 7,419 | 0.17% | Shares |
| PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO | $195,426 | 5,980 | 0.14% | Shares |
| MetLife Investment Management, LLC | $182,747 | 5,592 | 0.13% | Shares |
| CITIGROUP INC | $166,047 | 5,081 | 0.12% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $132,975 | 4,069 | 0.09% | Shares |
| JPMORGAN CHASE & CO | $119,743 | 3,663 | 0.08% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $111,112 | 3,400 | 0.08% | Shares |
| Nuveen, LLC | $99,249 | 3,037 | 0.07% | Shares |
| Police & Firemen's Retirement System of New Jersey | $99,184 | 3,035 | 0.07% | Shares |
| Vanguard Global Advisers, LLC | $92,419 | 2,828 | 0.07% | Shares |
| RAYMOND JAMES FINANCIAL INC | $86,144 | 2,636 | 0.06% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $74,314 | 2,274 | 0.05% | Shares |
| VANGUARD GROUP INC | $73,651 | 2,484 | 0.05% | Shares |
| SIGNATUREFD, LLC | $72,575 | 2,221 | 0.05% | Shares |
| Quantbot Technologies LP | $68,236 | 2,088 | 0.05% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $52,809 | 1,594 | 0.04% | Shares |
| Global Retirement Partners, LLC | $52,615 | 1,610 | 0.04% | Shares |
| FEDERATED HERMES, INC. | $46,896 | 1,435 | 0.03% | Shares |
| NORTHERN TRUST CORP | $46,046 | 1,409 | 0.03% | Shares |
| OAKWORTH CAPITAL, INC. | $45,926 | 1,380 | 0.03% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $38,203 | 1,169 | 0.03% | Shares |
| Tower Research Capital LLC (TRC) | $35,981 | 1,101 | 0.03% | Shares |
| CWM, LLC | $35,514 | 1,215 | 0.03% | Shares |
| PNC Financial Services Group, Inc. | $33,856 | 1,036 | 0.02% | Shares |
| Legal & General Group Plc | $27,974 | 856 | 0.02% | Shares |
| Ameritas Investment Partners, Inc. | $24,673 | 755 | 0.02% | Shares |
| NewEdge Advisors, LLC | $17,451 | 534 | 0.01% | Shares |
| Colonial Trust Advisors | $16,601 | 508 | 0.01% | Shares |
| MONTAG A & ASSOCIATES INC | $14,968 | 458 | 0.01% | Shares |
| Blue Trust, Inc. | $12,320 | 377 | 0.01% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $11,692 | 400 | 0.01% | Shares |
| Russell Investments Group, Ltd. | $10,294 | 315 | 0.01% | Shares |
| WELLS FARGO & COMPANY/MN | $10,229 | 313 | 0.01% | Shares |
| Arax Advisory Partners | $9,967 | 305 | 0.01% | Shares |
| FMR LLC | $9,837 | 301 | 0.01% | Shares |
| BURKETT FINANCIAL SERVICES, LLC | $9,803 | 299 | 0.01% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $9,739 | 298 | 0.01% | Shares |
Company insiders 37 insiders · 12 officers · 25 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Michael C Crapps | President and CEO | Feb. 24, 2026 A | 76,025 | 0 | 0 | $0 |
| Donald Shawn Jordan | EVP and CFO | Feb. 24, 2026 A | 10,905 | 0 | 0 | $0 |
| Joseph G Sawyer | Exec VP & CFO | March 13, 2019 F | 27,368 | 0 | 0 | $0 |
| Sarah Donley | EVP, COO, and CRO | Feb. 24, 2026 A | 5,157 | 0 | 0 | $0 |
| Fred Joseph Deutsch | Executive Vice President | July 28, 2026 S | 18,468 | 0 | 2 | $-345,150 |
| Joseph Andrew Painter | Executive Vice President | Feb. 24, 2026 A | — | 0 | 0 | $0 |
| Vaughan R. Dozier Jr. | Executive Vice President | Feb. 24, 2026 A | — | 0 | 0 | $0 |
| Jack W. Walker | EVP and Chief Credit Officer | Feb. 24, 2026 A | 7,618 | 0 | 0 | $0 |
| Robin D. Brown, | EVP, HR and Marketing | Feb. 24, 2026 A | 24,712 | 0 | 0 | $0 |
| Ted J Nissen | EVP and Chief Banking Officer | Feb. 24, 2026 A | 38,654 | 0 | 0 | $0 |
| Tanya A Butts | EVP and Senior Advisor | Feb. 18, 2025 F | 8,519 | 0 | 0 | $0 |
| David K Proctor | Exec VP & Chief Credit Officer | July 25, 2019 S | 21,349 | 0 | 0 | $0 |
| Leland E. Reynolds | Director | June 30, 2026 A | 32,807 | 1 | 0 | $14,835 |
| Alexander Snipe JR | Director | June 30, 2026 A | 57,442 | 0 | 0 | $0 |
| Jonathan W Been | Director | June 30, 2026 A | 135,455 | 0 | 0 | $0 |
| Thomas Carlton Brown | Director | June 30, 2026 A | 41,647 | 0 | 0 | $0 |
| Chimin J Chao | Director | June 30, 2026 A | 62,904 | 0 | 0 | $0 |
| Ray E Jones | Director | Feb. 24, 2026 A | 3,393 | 0 | 0 | $0 |
| Mickey Layden | Director | Feb. 24, 2026 A | 9,048 | 0 | 0 | $0 |
| Jane S Sosebee | Director | Feb. 24, 2026 A | 9,507 | 0 | 0 | $0 |
| Jan H Hollar | Director | Feb. 24, 2026 A | 8,156 | 0 | 0 | $0 |
| Roderick M Todd JR | Director | Feb. 24, 2026 A | 12,599 | 0 | 2 | $-47,007 |
| James W Kitchens JR | Director | Feb. 24, 2026 A | 21,588 | 0 | 0 | $0 |
| Thomas J Johnson | Director | Feb. 17, 2021 A | 42,717 | 0 | 0 | $0 |
| Mitchell M Willoughby | Director | Feb. 25, 2020 A | 62,701 | 0 | 0 | $0 |
| Anita B Easter | Director | Feb. 25, 2019 P | 20,331 | 0 | 0 | $0 |
| Richard K Bogan | Director | Dec. 31, 2018 A | 20,481 | 0 | 0 | $0 |
| Randolph J Potter | Director | Dec. 31, 2018 A | 3,112 | 0 | 0 | $0 |
| George H Fann JR | Director | July 25, 2018 M | 105,301 | 0 | 0 | $0 |
| Paul S Simon | Director | Feb. 22, 2017 P | 27,596 | 0 | 0 | $0 |
| O A Ethridge | Director | Dec. 31, 2015 A | 1,080 | 0 | 0 | $0 |
| Loretta R Whitehead | Director | March 12, 2015 P | 18,505 | 0 | 0 | $0 |
| James C Leventis | Director | May 15, 2012 P | 14,938 | 0 | 0 | $0 |
| Hinton G Davis | Director | Feb. 4, 2009 P | 79,144 | 0 | 0 | $0 |
| Edward J. Tarver | — | Feb. 20, 2024 A | 7,407 | 0 | 0 | $0 |
| Steve P Sligh | — | Jan. 23, 2006 S | 17,894 | 0 | 0 | $0 |
| Angelo Tsiantis | — | April 22, 2004 M | 24,280 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 27 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 | 0.07% | 30,765 SH | Aug. 8, 2026 | Daily |
| GSSC · Goldman Sachs ETF Trust | 0.02% | 7,920 NS | May 31, 2026 | N-PORT |
| IWN · iShares Trust | 0.02% | 90,510 SH | Aug. 8, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 7,701 SH | Aug. 8, 2026 | Daily |
| ROSC · Lattice Strategies Trust | 0.02% | 332 NS | April 30, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.02% | 14,632 NS | May 31, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.01% | 115,186 NS | May 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 896 SH | Aug. 8, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 50,904 SH | Aug. 8, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 229,519 SH | Aug. 8, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 30,986 NS | April 30, 2026 | N-PORT |
| RSSL · Global X Funds | 0.01% | 3,105 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.01% | 335 NS | May 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 24,070 NS | April 30, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 262 NS | May 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 6,783 NS | April 30, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 267 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 7 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 12,298 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 1,107 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 579 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 107,732 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 268,181 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 583 SH | Aug. 8, 2026 | Daily |
| EBI · RBB Fund Trust | 0.00% | 6 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |