$37.02
▲ +$0.24
(+0.65%)
Vol 3K
11
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$243.2M
P/E
9.8
ROE
13.2%
Margin
26.6%
D/E
25.68
Beta
0.55
Div Yield
2.78%
52W
$25–$43
Wall Street Consensus
7 analysts · Apr 20262
Strong Buy
4
Buy
1
Hold
0
Sell
0
Strong Sell
85.7%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 100.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.98 | $1.10 | +$0.12 |
| Sep 2025 | $0.91 | $1.05 | +$0.14 |
| Jun 2025 | $0.86 | $0.92 | +$0.06 |
| Mar 2025 | $0.82 | $0.89 | +$0.07 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $20.8M | $20.9M | $21.8M | $22.7M | $23.4M |
| Net Income | — | $6.2M | $5.8M | $6.0M | $6.9M | $5.8M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 13.1% | 13.1% | 13.1% | 13.1% | 13.2% | 13.2% |
| P/E (TTM) | 8.46 | 9.51 | 9.98 | 9.44 | 9.98 | 9.76 |
| Net Margin | — | 26.6% | 26.6% | 26.6% | 26.6% | 26.6% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 42.84 | 89.92 | 42.84 | 42.84 | 25.68 | 25.68 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
1.3%
P/S (TTM)
1.61
P/B
1.2
EPS (TTM)
$3.84
CF/Share
$3.54
Rev Growth 3Y
+2.5%
52W High
$42.50
52W Low
$24.66
$24.66
52-Week Range
$42.50
Financial Health
Free Cash Flow
$8.2M
Net Debt
-$34.5M
Cash
$131.6M
Total Debt
$97.1M
As of Dec 31, 2025
How does FUNC compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
FUNC valuation vs Banking peers
P/E ratio
9.8
▼
22%
below
peers
(12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
1.6
▼
31%
below
peers
(2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
1.2
▲
16%
above
peers
(1.1)
vs Peers
vs Industry
Overvalued
Div yield
2.8%
▼
7%
below
peers
(3.0%)
vs Peers
vs Industry
Low yield
FUNC profitability vs Banking peers
ROE
13.2%
▲
47%
above
peers
(9.0%)
vs Peers
vs Industry
Top tier
Net margin
26.6%
▼
7%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.3%
▲
32%
above
peers
(1.0%)
vs Peers
vs Industry
Top tier
FUNC financial health vs Banking peers
D/E ratio
25.7
▲
86%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.6
▼
21%
below
peers
(0.7)
vs Peers
vs Industry
More volatile
FUNC fundamentals radar
FUNC
Peer median
Industry
FUNC profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
FUNC vs peers: key metrics
Related Signals
Insider Activity
NeutralBuys
0
Sells
0
RODEHEAVER CARISSA LYNN
Director · Mar 16
766 shs
RUSH JASON BARRY
Chief Executive Officer · Mar 16
502 shs
SANDERS KEITH
Officer · Mar 16
420 shs
STURM TONYA K
Chief Financial Officer · Mar 16
428 shs
FISHER ROBERT L. II
Officer · Mar 16
526 shs
RUSH JASON BARRY
Chief Executive Officer · Mar 06
1252 shs
SANDERS KEITH
Officer · Mar 06
735 shs
STURM TONYA K
Chief Financial Officer · Mar 06
819 shs
FISHER ROBERT L. II
Officer · Mar 06
875 shs
PETERSON JULIE W
Officer · Mar 06
651 shs
Last 90 days
Top Holders
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5.58%
$13.2M
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5.28%
$12.5M
Gendell, Jeffrey L.
2.74%
$6.5M
De Lisle Partners LLP
2.39%
$5.6M
As of Dec 31, 2025
Dividends
$0.96
/ year
Jan 16, 2026
$0.2600
Oct 17, 2025
$0.2600
Jul 18, 2025
$0.2200
Apr 17, 2025
$0.2200
Jan 17, 2025
$0.2200
Oct 18, 2024
$0.2200
Jul 18, 2024
$0.2000
Apr 16, 2024
$0.2000