FSBC Five Star Bancorp - Common Stock
$44.73
Price · Aug 25, 2026
Fundamentals as of Aug 6, 2026
52W Range
$31–$50
72% of range
Analyst Rating
BUY
11 analysts
Price Target
$52
+16% upside
P/E (TTM)
15.4
ROE
14.3%
Net Profit Margin
38.9%
FSBC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$44.73
Market Cap
$956M
P/E (TTM)
15.4
EPS (TTM)
$2.90
Revenue (TTM)
—
Div Yield
1.8%
ROE
14.3%
Debt/Equity
—
52W Range
$31 – $50
FSBC 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
—
EPS
$2.90
2020-12-31
→
2025-12-31
Free Cash Flow
$71M
2021-12-31
→
2025-12-31
Margins
38.9%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
FSBC
Peer Median
P/E (TTM)
15.4
12.8
P/S (TTM)
6.0
2.1
P/B
2.1
1.2
Price / FCF
13.4
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
FSBC
Peer Median
Net Profit Margin
38.9%
30.0%
ROA
1.4%
1.1%
ROE
14.3%
11.7%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
FSBC
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
FSBC
Peer Median
Revenue YoY
25.6%
—
Revenue CAGR 3Y
12.9%
—
Revenue CAGR 5Y
16.3%
—
EPS YoY
28.3%
—
Net Income YoY
34.9%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
FSBC
Peer Median
Payout Ratio
27.7%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
1.8%
Payout Ratio
27.7%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 3, 2026 | $0.2500 |
| May 4, 2026 | $0.2500 |
| Feb. 2, 2026 | $0.2500 |
| Nov. 3, 2025 | $0.2000 |
| Aug. 4, 2025 | $0.2000 |
| May 5, 2025 | $0.2000 |
| Feb. 3, 2025 | $0.2000 |
| Nov. 4, 2024 | $0.2000 |
| Aug. 5, 2024 | $0.2000 |
| May 3, 2024 | $0.2000 |
| Feb. 2, 2024 | $0.2000 |
| Nov. 3, 2023 | $0.2000 |
| Aug. 4, 2023 | $0.2000 |
| May 5, 2023 | $0.2000 |
| Feb. 3, 2023 | $0.1500 |
| Nov. 4, 2022 | $0.1500 |
| Aug. 5, 2022 | $0.1500 |
| May 6, 2022 | $0.1500 |
| Feb. 4, 2022 | $0.1500 |
| Oct. 8, 2021 | $0.1500 |
FSBC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
11 analysts
- Strong Buy 2 18.2%
- Buy 6 54.5%
- Hold 3 27.3%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
5 analysts · 2026-08-22
Median
$52.00
← Below all targets
$44.73
Low
$50.00
High
$55.00
Median target
$52.00
+16.3%
Mean target
$52.00
+16.3%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.04%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.91 | $0.88 | 0.03% |
| March 31, 2026 | $0.87 | $0.80 | 0.07% |
| Dec. 31, 2025 | $0.83 | $0.78 | 0.05% |
| Sept. 30, 2025 | $0.77 | $0.72 | 0.05% |
| June 30, 2025 | $0.68 | $0.65 | 0.03% |
| March 31, 2025 | $0.62 | $0.60 | 0.02% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| FSBC | $765M | 12.3 | 25.6% | 38.9% | 14.3% | — |
| UVSP | $922M | 10.5 | 9.6% | 27.7% | 9.8% | — |
| MCB | $770M | 11.5 | -53.8% | 643.2% | 9.7% | — |
| AMTB | — | 15.5 | 30.8% | 11.9% | 5.6% | — |
| CFFN | $839M | 12.2 | 6.5% | 417.3% | 6.5% | — |
| MBWM | $826M | 8.8 | 4.8% | 36.6% | 13.1% | — |
| EQBK | — | 36.3 | -6.6% | 10.8% | 3.3% | — |
| MCBS | $765M | 10.1 | 10.2% | 44.0% | 14.0% | — |
| 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 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $64M | $15M | $4M | $9M | |
| Interest Income | $249M | $207M | $174M | $118M | $82M | $74M | |
| Pretax Income | $84M | $65M | $67M | $63M | $47M | $37M | |
| Income Tax | $22M | $19M | $19M | $18M | $5M | $1M | |
| Net Income | $62M | $46M | $48M | $45M | $42M | $36M | |
| EPS (Basic) | $2.90 | $2.26 | $2.78 | $2.61 | $2.83 | $3.57 | |
| EPS (Diluted) | $2.90 | $2.26 | $2.78 | $2.61 | $2.83 | $3.57 | |
| Shares (Basic) | 21,224,788 | 20,154,385 | 17,166,592 | 17,128,282 | 14,972,637 | 10,063,183 | |
| Shares (Diluted) | 21,273,552 | 20,205,440 | 17,187,969 | 17,165,610 | 14,995,213 | 10,063,183 |
Balance Sheet 12
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | $425M | $290M | |
| PP&E (Net) | $2M | $2M | $2M | $2M | $2M | $2M | |
| PP&E (Gross) | $8M | $7M | $6M | $6M | $5M | $5M | |
| Accum. Depreciation | $6M | $5M | $5M | $4M | $4M | $3M | |
| Total Assets | $4.75B | $4.05B | $3.59B | $3.23B | $2.56B | $1.95B | |
| Total Liabilities | $4.31B | $3.66B | $3.31B | $2.97B | $2.32B | $1.82B | |
| Common Stock | $304M | $303M | $221M | $220M | $218M | $110M | |
| Retained Earnings | $151M | $106M | $77M | $47M | $17M | $22M | |
| AOCI | $-9M | $-12M | $-12M | $-13M | $-566.0K | $1M | |
| Stockholders' Equity | $446M | $397M | $286M | $253M | $235M | $134M | |
| Liabilities + Equity | $4.75B | $4.05B | $3.59B | $3.23B | $2.56B | $1.95B | |
| Shares Outstanding | 21,367,387 | 21,319,083 | 17,256,989 | 17,241,926 | 17,224,848 | 11,000,273 |
Cash Flow 14
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | $607.0K | $461.0K | |
| Stock-based Comp | $1M | $1M | $962.0K | $1M | $1M | $316.0K | |
| Deferred Tax | $-578.0K | $-243.0K | $-897.0K | $-2M | $-4M | · | |
| Operating Cash Flow | $73M | $52M | $39M | $46M | $29M | $51M | |
| CapEx | $1M | $628.0K | $653.0K | $481.0K | $717.0K | $833.0K | |
| Investing Cash Flow | $-544M | $-447M | $-279M | $-837M | $-455M | $-373M | |
| Stock Issued | $0 | $81M | $0 | $0 | $111M | $13M | |
| Net Stock Activity | $0 | $81M | · | $0 | $111M | · | |
| Dividends Paid | $17M | $16M | $13M | $15M | $52M | · | |
| Financing Cash Flow | $626M | $426M | $302M | $626M | $561M | $434M | |
| Net Change in Cash | $155M | $31M | $62M | $-165M | $135M | $113M | |
| Taxes Paid | $25M | $17M | $20M | $5M | $10M | $2M | |
| Free Cash Flow | $71M | $51M | $38M | $45M | $28M | · | |
| Levered FCF | · | · | $-7M | $35M | $24M | · |
Profitability 4
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Net Margin | 38.9% | 36.2% | 40.3% | 40.6% | 50.0% | · | |
| Pretax Margin | 52.8% | 51.3% | 56.3% | 57.0% | 55.5% | · | |
| ROA | 1.4% | 1.2% | 1.4% | 1.6% | 1.9% | · | |
| ROE | 14.3% | 11.6% | 17.1% | 18.2% | 18.4% | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · |
Growth Rates 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue YoY | 25.6% | 6.6% | 7.4% | 29.8% | 13.9% | · | |
| Revenue CAGR 3Y | 12.9% | 14.1% | 16.7% | · | · | · | |
| Revenue CAGR 5Y | 16.3% | · | · | · | · | · | |
| EPS YoY | 28.3% | -18.7% | 6.5% | -7.8% | -20.7% | · | |
| EPS CAGR 3Y | 3.6% | -7.2% | -8.0% | · | · | · | |
| EPS CAGR 5Y | -4.1% | · | · | · | · | · | |
| Net Income YoY | 34.9% | -4.3% | 6.6% | 5.6% | 18.1% | · | |
| Net Income CAGR 3Y | 11.2% | 2.5% | 9.9% | · | · | · | |
| Net Income CAGR 5Y | 11.4% | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue TTM | $158M | $126M | $118M | $110M | $85M | · | |
| Net Income TTM | $62M | $46M | $48M | $45M | $42M | · | |
| Market Cap | $765M | $641M | $452M | $470M | $517M | · | |
| P/E | 12.3 | 13.3 | 9.4 | 10.4 | 10.6 | · | |
| P/S | 4.8 | 5.1 | 3.8 | 4.3 | 6.1 | · | |
| P/B | 1.7 | 1.6 | 1.6 | 1.9 | 2.2 | · | |
| P / Tangible Book | 1.7 | 1.6 | 1.6 | 1.9 | 2.2 | · | |
| P / Cash Flow | 10.5 | 12.4 | 11.6 | 10.2 | 18.0 | · | |
| P / FCF | 10.7 | 12.5 | 11.8 | 10.3 | 18.5 | · | |
| Dividend Yield | 2.2% | 2.5% | 2.9% | 3.3% | 10.1% | · | |
| Earnings Yield | 8.1% | 7.5% | 10.6% | 9.6% | 9.4% | · | |
| Payout Ratio | 27.7% | 35.6% | 27.1% | 34.2% | · | · | |
| Annual Payout | $17M | $16M | $13M | $15M | $52M | · |
Income Statement 9
| 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 | · | · | · | · | · | · | · | · | · | $21M | · | $18M | $15M | $11M | · | $4M | |
| Interest Income | $72M | $67M | $66M | $65M | $61M | $57M | $58M | $53M | $49M | $48M | $46M | $45M | $43M | $40M | $37M | $32M | |
| Pretax Income | $26M | $25M | $23M | $22M | $20M | $18M | $19M | $15M | $15M | $15M | $15M | $16M | $17M | $19M | $19M | $17M | |
| Income Tax | $7M | $6M | $5M | $6M | $6M | $5M | $6M | $4M | $4M | $4M | $4M | $5M | $4M | $5M | $5M | $5M | |
| Net Income | $19M | $19M | $18M | $16M | $15M | $13M | $13M | $11M | $11M | $11M | $11M | $11M | $13M | $13M | $13M | $12M | |
| EPS (Basic) | $0.91 | $0.87 | $0.83 | $0.77 | $0.68 | $0.62 | $0.61 | $0.52 | $0.51 | $0.62 | $0.63 | $0.64 | $0.74 | $0.77 | $0.77 | $0.68 | |
| EPS (Diluted) | $0.91 | $0.87 | $0.83 | $0.77 | $0.68 | $0.62 | $0.61 | $0.52 | $0.51 | $0.62 | $0.63 | $0.64 | $0.74 | $0.77 | $0.77 | $0.68 | |
| Shares (Basic) | 21,273,902 | 21,253,085 | -42,442,487 | 21,231,563 | 21,225,831 | 21,209,881 | -39,258,423 | 21,182,143 | 21,039,798 | 17,190,867 | -34,323,960 | 17,175,034 | 17,165,344 | 17,150,174 | -34,240,376 | 17,140,435 | |
| Shares (Diluted) | 21,338,903 | 21,313,078 | -42,531,119 | 21,281,818 | 21,269,265 | 21,253,588 | -39,358,397 | 21,232,758 | 21,058,085 | 17,272,994 | -34,370,735 | 17,194,825 | 17,168,995 | 17,194,884 | -34,316,805 | 17,168,447 |
Balance Sheet 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | · | $2M | $2M | $2M | · | $2M | |
| PP&E (Gross) | · | · | $8M | · | · | · | $7M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $6M | · | · | · | $5M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $5.38B | $5.03B | $4.75B | $4.64B | $4.41B | $4.25B | $4.05B | $3.89B | $3.63B | $3.48B | · | $3.51B | $3.40B | $3.40B | · | $3.07B | |
| Total Liabilities | $4.90B | $4.57B | $4.31B | $4.21B | $4.00B | $3.84B | $3.66B | $3.50B | $3.25B | $3.18B | · | $3.23B | $3.13B | $3.14B | · | $2.84B | |
| Common Stock | $305M | $304M | $304M | $304M | $303M | $303M | $303M | $302M | $302M | $221M | · | $220M | $220M | $220M | · | $219M | |
| Retained Earnings | $178M | $164M | $151M | $138M | $126M | $115M | $106M | $97M | $91M | $84M | · | $70M | $62M | $53M | · | $36M | |
| AOCI | $-9M | $-10M | $-9M | $-10M | $-12M | $-12M | $-12M | $-10M | $-12M | $-12M | · | $-16M | $-13M | $-12M | · | $-16M | |
| Stockholders' Equity | $474M | $459M | $446M | $431M | $417M | $406M | $397M | $390M | $380M | $293M | $286M | $274M | $269M | $261M | $253M | $239M | |
| Liabilities + Equity | $5.38B | $5.03B | $4.75B | $4.64B | $4.41B | $4.25B | $4.05B | $3.89B | $3.63B | $3.48B | · | $3.51B | $3.40B | $3.40B | · | $3.07B | |
| Shares Outstanding | 21,402,864 | 21,376,153 | 21,367,387 | 21,367,387 | 21,360,991 | 21,329,235 | 21,319,083 | 21,319,583 | 21,319,583 | 17,353,251 | 17,256,989 | 17,257,357 | 17,257,357 | 17,258,904 | 17,241,926 | 17,245,983 |
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 | · | · | · | · | $445.0K | $461.0K | $470.0K | $469.0K | $466.0K | $472.0K | $385.0K | $403.0K | $405.0K | $419.0K | $410.0K | $910.0K | |
| Stock-based Comp | $500.0K | $382.0K | $402.0K | $400.0K | $400.0K | $257.0K | $257.0K | $300.0K | $300.0K | $299.0K | $320.0K | $200.0K | $200.0K | $242.0K | $222.0K | $300.0K | |
| Deferred Tax | · | · | $-1M | $10.0K | $712.0K | $0 | $-267.0K | $9.0K | $9.0K | $6.0K | $-976.0K | $9.0K | $8.0K | $62.0K | $-2M | $13.0K | |
| Operating Cash Flow | $24M | $19M | $21M | $19M | $18M | $15M | $18M | $18M | $16M | $247.0K | $-2M | $15M | $25M | $694.0K | $18M | $16M | |
| CapEx | $441.0K | $168.0K | $638.0K | $215.0K | $244.0K | $100.0K | $106.0K | $210.0K | $204.0K | $108.0K | $183.0K | $135.0K | $95.0K | $240.0K | $75.0K | $95.0K | |
| Investing Cash Flow | $-308M | $-144M | $-188M | $-127M | $-141M | $-89M | $-70M | $-203M | $-161M | $-12M | $-72M | $-81M | $-59M | $-69M | $-207M | $-198M | |
| Stock Issued | · | · | $0 | $0 | · | · | $0 | $0 | · | · | $0 | $0 | · | · | $0 | $0 | |
| Dividends Paid | $5M | $5M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | |
| Financing Cash Flow | $325M | $263M | $93M | $205M | $154M | $174M | $154M | $246M | $150M | $-125M | $71M | $89M | $-14M | $156M | $131M | $229M | |
| Net Change in Cash | $41M | $138M | $-74M | $97M | $31M | $100M | $101M | $60M | $5M | $-136M | $-2M | $23M | $-48M | $88M | $-58M | $47M | |
| Taxes Paid | $7M | $177.0K | $7M | $5M | $13M | $26.0K | $5M | $2M | $9M | $144.0K | $18M | $794.0K | $686.0K | $0 | $0 | $0 | |
| Free Cash Flow | · | $19M | · | · | · | $15M | · | · | · | $139.0K | · | · | · | $454.0K | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-15M | · | · | · | $-7M | · | · |
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 | 40.5% | 41.3% | · | 39.6% | 37.9% | 37.1% | · | 34.4% | 35.2% | 37.2% | · | 38.3% | 41.9% | 43.1% | · | 40.4% | |
| Pretax Margin | 54.4% | 55.5% | · | 53.8% | 52.4% | 52.0% | · | 48.0% | 49.4% | 52.3% | · | 54.7% | 56.5% | 60.6% | · | 57.1% | |
| ROA | 0.40% | 0.40% | · | 0.38% | 0.36% | 0.34% | · | 0.30% | 0.31% | 0.31% | · | 0.34% | 0.41% | 0.43% | · | 0.42% | |
| ROE | 4.4% | 4.3% | · | 4.0% | 3.6% | 3.8% | · | 3.3% | 3.3% | 3.8% | · | 4.3% | 5.1% | 5.3% | · | 5.0% |
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) 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 | $173M | $160M | · | $147M | $136M | $126M | · | $120M | $118M | $118M | · | $119M | $116M | $110M | · | $101M | |
| Net Income TTM | $69M | $63M | · | $55M | $49M | $45M | · | $43M | $45M | $48M | · | $49M | $48M | $45M | · | $43M | |
| Market Cap | $1.04B | $806M | · | $688M | $610M | $593M | · | $634M | $504M | $390M | · | $346M | $386M | $368M | · | $489M | |
| P/E | 15.1 | 12.8 | · | 12.4 | 12.2 | 12.2 | · | 13.0 | 9.4 | 8.1 | · | 7.1 | 8.1 | 8.2 | · | 11.4 | |
| P/S | 6.0 | 5.0 | · | 4.7 | 4.5 | 4.7 | · | 5.3 | 4.3 | 3.3 | · | 2.9 | 3.3 | 3.3 | · | 4.8 | |
| P/B | 2.2 | 1.8 | · | 1.6 | 1.5 | 1.5 | · | 1.6 | 1.3 | 1.3 | · | 1.3 | 1.4 | 1.4 | · | 2.0 | |
| P / Tangible Book | 2.2 | 1.8 | · | 1.6 | 1.5 | 1.5 | · | 1.6 | 1.3 | 1.3 | · | 1.3 | 1.4 | 1.4 | · | 2.0 | |
| P / Cash Flow | · | 42.6 | · | · | · | 38.3 | · | · | · | 1580.8 | · | · | · | 530.7 | · | · | |
| P / FCF | · | 43.0 | · | · | · | 38.6 | · | · | · | 2809.0 | · | · | · | 811.2 | · | · | |
| Earnings Yield | 6.6% | 7.8% | · | 8.0% | 8.2% | 8.2% | · | 7.7% | 10.6% | 12.3% | · | 14.1% | 12.4% | 12.2% | · | 8.7% | |
| Payout Ratio | · | 28.7% | · | · | · | 32.5% | · | · | · | 32.5% | · | · | · | 19.7% | · | · |
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 | |
|---|---|---|---|---|---|
| Net Income | $62M | $46M | $48M | $45M | $42M |
| Diluted EPS | $2.90 | $2.26 | $2.78 | $2.61 | $2.83 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $71M | $51M | $38M | $45M | $28M |
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Institutional owners (13F) 179 filers · $395.8M 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 |
|---|---|---|---|---|
| 49 (+24 vs prior Q) | 9 (+1 vs prior Q) | 48 (+10 vs prior Q) | 38 (-5 vs prior Q) | +440K |
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 |
|---|---|---|---|---|
| Davis Asset Management, L.P. | $73,594,935 | 1,511,500 | 18.59% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $31,701,816 | 651,095 | 8.01% | Shares |
| AMERICAN CENTURY COMPANIES INC | $25,753,796 | 528,934 | 6.51% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $22,743,452 | 467,107 | 5.75% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $20,198,985 | 414,762 | 5.10% | Shares |
| FRANKLIN RESOURCES INC | $18,384,808 | 377,589 | 4.64% | Shares |
| STATE STREET CORP | $17,806,927 | 365,823 | 4.50% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $16,544,765 | 339,798 | 4.18% | Shares |
| ADAGE CAPITAL PARTNERS GP, L.L.C. | $14,859,263 | 305,181 | 3.75% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $14,226,828 | 292,192 | 3.59% | Shares |
| Pacific Ridge Capital Partners, LLC | $8,416,067 | 172,850 | 2.13% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $8,001,228 | 164,330 | 2.02% | Shares |
| BRIGHTON JONES LLC | $6,921,107 | 142,146 | 1.75% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $6,677,834 | 137,150 | 1.69% | Shares |
| Bragg Financial Advisors, Inc | $6,673,501 | 137,061 | 1.69% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $6,610,544 | 135,768 | 1.67% | Shares |
| Siena Capital Partners GP, LLC | $6,565,700 | 134,847 | 1.66% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $5,623,792 | 115,502 | 1.42% | Shares |
| BANC FUNDS CO LLC | $4,183,396 | 85,919 | 1.06% | Shares |
| PRUDENTIAL FINANCIAL INC | $4,087,769 | 83,955 | 1.03% | Shares |
| VANGUARD GROUP INC | $4,084,323 | 114,151 | 1.03% | Shares |
| TD Asset Management Inc | $3,364,284 | 69,096 | 0.85% | Shares |
| Bank of New York Mellon Corp | $3,285,114 | 67,470 | 0.83% | Shares |
| GOLDMAN SACHS GROUP INC | $3,007,240 | 61,763 | 0.76% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $2,430,946 | 49,927 | 0.61% | Shares |
| DEPRINCE RACE & ZOLLO INC | $2,344,083 | 48,143 | 0.59% | Shares |
| Pathstone Holdings, LLC | $2,269,051 | 46,602 | 0.57% | Shares |
| Inspire Investing, LLC | $2,211,410 | 58,627 | 0.56% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $2,160,278 | 44,368 | 0.55% | Shares |
| Qube Research & Technologies Ltd | $1,996,533 | 41,005 | 0.50% | Shares |
| Squarepoint Ops LLC | $1,993,807 | 40,949 | 0.50% | Shares |
| Mill Creek Capital Advisors, LLC | $1,757,827 | 46,602 | 0.44% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $1,711,502 | 35,151 | 0.43% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $1,579,358 | 32,437 | 0.40% | Shares |
| Swiss National Bank | $1,460,505 | 29,996 | 0.37% | Shares |
| SummerHaven Investment Management, LLC | $1,223,969 | 25,138 | 0.31% | Shares |
| GABELLI FUNDS LLC | $1,217,250 | 25,000 | 0.31% | Shares |
| IEQ CAPITAL, LLC | $1,203,201 | 24,711 | 0.30% | Shares |
| Rosenthal | Henry Capital Advisors, Inc. | $1,110,764 | 22,813 | 0.28% | Shares |
| Sanctuary Advisors, LLC | $1,051,899 | 21,604 | 0.27% | Shares |
| Point72 Asset Management, L.P. | $1,038,704 | 21,333 | 0.26% | Shares |
| Quantinno Capital Management LP | $1,004,085 | 20,622 | 0.25% | Shares |
| TEACHER RETIREMENT SYSTEM OF TEXAS | $986,801 | 20,267 | 0.25% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $972,534 | 19,974 | 0.25% | Shares |
| RHUMBLINE ADVISERS | $951,735 | 19,547 | 0.24% | Shares |
| ALLIANCEBERNSTEIN L.P. | $823,428 | 21,830 | 0.21% | Shares |
| D. E. Shaw & Co., Inc. | $822,471 | 16,892 | 0.21% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $795,497 | 16,338 | 0.20% | Shares |
| SEI INVESTMENTS CO | $785,564 | 16,134 | 0.20% | Shares |
| AMERIPRISE FINANCIAL INC | $768,523 | 15,784 | 0.19% | Shares |
| BlackRock, Inc. | $731,372 | 15,021 | 0.18% | Shares |
| ANCHYRA PARTNERS LLC | $720,661 | 14,801 | 0.18% | Shares |
| Keeley-Teton Advisors, LLC | $703,562 | 25,308 | 0.18% | Shares |
| BANK OF AMERICA CORP /DE/ | $693,783 | 14,249 | 0.18% | Shares |
| WELLS FARGO & COMPANY/MN | $680,784 | 13,982 | 0.17% | Shares |
| ALPS ADVISORS INC | $669,049 | 13,741 | 0.17% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $659,944 | 13,554 | 0.17% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $647,577 | 13,300 | 0.16% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $644,120 | 13,229 | 0.16% | Shares |
| Park Capital Management, LLC / WI | $627,517 | 12,888 | 0.16% | Shares |
| Quantbot Technologies LP | $591,827 | 12,155 | 0.15% | Shares |
| EJF Capital LP | $581,943 | 11,952 | 0.15% | Shares |
| Symmetry Partners, LLC | $554,871 | 11,396 | 0.14% | Shares |
| EMERALD MUTUAL FUND ADVISERS TRUST | $500,971 | 10,289 | 0.13% | Shares |
| Fifth Third Wealth Advisors LLC | $476,042 | 9,777 | 0.12% | Shares |
| EPIQ Capital Group, LLC | $464,375 | 15,433 | 0.12% | Shares |
| VANGUARD ASSET MANAGEMENT, Ltd | $456,274 | 9,371 | 0.12% | Shares |
| Able Wealth Management LLC | $455,592 | 9,357 | 0.12% | Shares |
| XTX Topco Ltd | $446,341 | 9,167 | 0.11% | Shares |
| HUB Investment Partners, LLC | $443,809 | 9,115 | 0.11% | Shares |
| R Squared Ltd | $439,768 | 9,032 | 0.11% | Shares |
| MetLife Investment Management, LLC | $435,240 | 8,939 | 0.11% | Shares |
| TWO SIGMA INVESTMENTS, LP | $420,828 | 8,643 | 0.11% | Shares |
| Sequoia Financial Advisors, LLC | $417,322 | 8,571 | 0.11% | Shares |
| Baird Financial Group, Inc. | $416,835 | 8,561 | 0.11% | Shares |
| 1492 Capital Management LLC | $407,681 | 8,373 | 0.10% | Shares |
| Integrated Quantitative Investments LLC | $401,108 | 8,238 | 0.10% | Shares |
| Empirical Asset Management, LLC | $389,325 | 7,996 | 0.10% | Shares |
| FIRST TRUST ADVISORS LP | $377,298 | 7,749 | 0.10% | Shares |
| SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC | $367,463 | 7,547 | 0.09% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $352,272 | 7,235 | 0.09% | Shares |
| Vanguard Global Advisers, LLC | $338,152 | 6,945 | 0.09% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $331,092 | 6,800 | 0.08% | Call option |
| TWO SIGMA ADVISERS, LP | $325,598 | 9,100 | 0.08% | Shares |
| EntryPoint Capital, LLC | $316,826 | 6,507 | 0.08% | Shares |
| Invesco Ltd. | $303,339 | 6,230 | 0.08% | Shares |
| AIRE ADVISORS, LLC | $299,736 | 6,156 | 0.08% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $292,530 | 6,008 | 0.07% | Shares |
| FERGUSON WELLMAN CAPITAL MANAGEMENT, INC | $292,140 | 6,000 | 0.07% | Shares |
| Private Advisor Group, LLC | $286,979 | 5,894 | 0.07% | Shares |
| PDT Partners, LLC | $277,582 | 5,701 | 0.07% | Shares |
| LPL Financial LLC | $275,616 | 5,661 | 0.07% | Shares |
| Quotient Wealth Partners, LLC | $275,537 | 5,659 | 0.07% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $272,421 | 5,595 | 0.07% | Shares |
| Vident Advisory, LLC | $271,398 | 5,574 | 0.07% | Shares |
| Commonwealth Financial Services, LLC | $261,660 | 5,374 | 0.07% | Shares |
| VestGen Advisors, LLC | $249,244 | 5,119 | 0.06% | Shares |
| UNITED CAPITAL FINANCIAL ADVISORS, LLC | $242,135 | 4,973 | 0.06% | Shares |
| Allworth Financial LP | $240,578 | 4,941 | 0.06% | Shares |
| Police & Firemen's Retirement System of New Jersey | $235,367 | 4,834 | 0.06% | Shares |
Company insiders 20 insiders · 0 officers · 5 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Robert Truxtun Perry-Smith | Director | July 22, 2026 P | 258,898 | 1 | 0 | $1,379,972 |
| Judson Teichert Riggs | Director | July 22, 2026 P | 87,531 | 1 | 0 | $100,012 |
| Kevin Francis Ramos | Director | July 22, 2026 P | 177,546 | 1 | 0 | $250,008 |
| Shannon Deary-Bell | Director | July 22, 2026 P | 85,244 | 1 | 0 | $250,008 |
| Donna Lucas | Director | July 22, 2026 P | 14,254 | 1 | 0 | $49,984 |
| Lawrence Eugene Allbaugh | — | Aug. 4, 2026 G | 210,695 | 2 | 0 | $4,250,004 |
| Don Justin Kurtze | — | May 1, 2025 A | 4,643 | 0 | 0 | $0 |
| Warren Paul Kashiwagi | — | May 1, 2025 A | 5,396 | 0 | 0 | $0 |
| Michael Eugene Lee | — | May 1, 2025 A | 37,672 | 0 | 0 | $0 |
| John William Dalton | — | May 1, 2025 A | 31,757 | 0 | 0 | $0 |
| David Frank Nickum | — | May 1, 2025 A | 178,902 | 0 | 0 | $0 |
| Brett Levi Wait | — | May 1, 2025 A | 20,191 | 0 | 0 | $0 |
| Heather Christina Luck | — | May 1, 2025 A | 27,661 | 0 | 0 | $0 |
| Lydia Ann Ramirez-Medina | — | May 1, 2025 A | 13,385 | 0 | 0 | $0 |
| Shelley Ronan Wetton | — | May 1, 2025 A | 23,454 | 0 | 0 | $0 |
| Michael Anthony Rizzo | — | May 1, 2025 A | 33,369 | 0 | 0 | $0 |
| Randall E Reynoso | — | May 1, 2025 A | 21,896 | 0 | 0 | $0 |
| James Eugene Beckwith | — | Feb. 28, 2025 S | 476,381 | 0 | 0 | $0 |
| Leigh Ann White | — | Feb. 7, 2024 A | 17,963 | 0 | 0 | $0 |
| David John Lucchetti | — | Oct. 25, 2023 P | 309,200 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Larry Eugene Allbaugh | May 14, 2021 | — | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
ETF ownership Held by 44 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 |
|---|---|---|---|---|
| QABA · First Trust Exchange-Traded Fund | 0.42% | 7,535 NS | June 30, 2026 | N-PORT |
| BFOR · ALPS ETF Trust | 0.27% | 13,498 NS | May 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.16% | 54,935 SH | Aug. 21, 2026 | Daily |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.06% | 414,301 NS | May 31, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.05% | 33,466 NS | May 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.03% | 2,094 SH | Aug. 21, 2026 | Daily |
| IWO · iShares Trust | 0.03% | 104,643 SH | Aug. 21, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.03% | 11,873 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 434,900 SH | Aug. 21, 2026 | Daily |
| VFMF · VANGUARD WELLINGTON FUND | 0.02% | 3,444 SH | Aug. 19, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 90,490 SH | Aug. 19, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 6,779 NS | April 30, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.02% | 66,079 NS | April 30, 2026 | N-PORT |
| RB · ProShares Trust | 0.02% | 5 NS | May 31, 2026 | N-PORT |
| IWN · iShares Trust | 0.02% | 55,414 SH | Aug. 21, 2026 | Daily |
| ITWO · ProShares Trust | 0.02% | 733 NS | May 31, 2026 | N-PORT |
| SCHA · SCHWAB STRATEGIC TRUST | 0.02% | 82,113 NS | May 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 9,427 SH | Aug. 21, 2026 | Daily |
| ISCV · iShares Trust | 0.01% | 2,251 SH | Aug. 21, 2026 | Daily |
| ISCB · iShares Trust | 0.01% | 703 SH | Aug. 21, 2026 | Daily |
| ISCG · iShares Trust | 0.01% | 2,316 SH | Aug. 21, 2026 | Daily |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 194,048 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 4,085 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 24,666 SH | Aug. 19, 2026 | Daily |
| UWM · ProShares Trust | 0.01% | 574 NS | May 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 28,877 NS | April 30, 2026 | N-PORT |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 4,240 NS | April 30, 2026 | N-PORT |
| URTY · ProShares Trust | 0.01% | 583 NS | May 31, 2026 | N-PORT |
| WSML · iShares Trust | 0.01% | 967 SH | Aug. 20, 2026 | Daily |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 700 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 15 NS | May 31, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 6,382 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,447 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 4,221 NS | April 30, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 12,597 NS | April 30, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 539 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 4,796 NS | April 30, 2026 | N-PORT |
| SCHB · SCHWAB STRATEGIC TRUST | 0.00% | 10,105 NS | May 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 3,991 SH | Aug. 21, 2026 | Daily |
| AVSU · AMERICAN CENTURY ETF TRUST | 0.00% | 45 NS | May 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 8 NS | April 30, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 442,446 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,210 SH | Aug. 19, 2026 | Daily |
| EBI · RBB Fund Trust | 0.00% | 2 NS | May 31, 2026 | N-PORT |