FUNC First United Corporation - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$43.62
· of 52w range
· above low
· to high
$33.5452w low
$46.3052w high
Market Cap (MRQ)
$282M
P/E
11.6
EPS
$3.77
Revenue
$18M
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52W Range
$34–$46
Analyst Rating
BUY
Price Target
$50
P/E
11.6
ROE
12.4%
Net Profit Margin
133.1%
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FUNC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$43.62
Market Cap (MRQ)
$282M
P/E
11.6
EPS
$3.77
Revenue
$18M
Div Yield
2.1%
ROE
12.4%
Debt/Equity (MRQ)
0.3
52W Range
$34–$46
FUNC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| March 13, 1996 | 21-for-20 | Forward |
| Feb. 9, 1994 | 3-for-2 | Forward |
| June 16, 1993 | 2-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$18M2017-12-31 → 2025-12-31
EPS$3.772019-12-31 → 2025-12-31
Free Cash Flow$15M2016-12-31 → 2025-12-31
Net margin133.1%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | FUNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 11.65Y avg ≈8.5 | ≈8.5 | 12.6 | Undervalued | |
| P/S | 15.45Y avg ≈10.3 | ≈10.3 | 3.6 | Overvalued | |
| P/B (MRQ) | 1.35Y avg ≈1.0 | ≈1.0 | 1.3 | Fair value | |
| Price / FCF (TTM) | 10.85Y avg ≈9.7 | ≈9.7 | · | · | |
| Price / Cash Flow (TTM) | 9.35Y avg ≈8.4 | ≈8.4 | 10.2 | Overvalued | |
| EV / Revenue | 9.25Y avg ≈7.6 | ≈7.6 | · | · | |
| EV / FCF | 11.05Y avg ≈6.8 | ≈6.8 | · | · | |
| Price / Tangible Book | 1.55Y avg ≈1.1 | ≈1.1 | · | · | |
| PEG Ratio | ≈0.8 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | FUNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 176.6%5Y avg ≈174.9% | ≈174.9% | 32.8% | Weak | |
| Net Profit Margin | 133.1%5Y avg ≈131.8% | ≈131.8% | 25.0% | Weak | |
| ROA | 1.2%5Y avg ≈1.2% | ≈1.2% | 0.97% | Top tier | |
| ROE | 12.4%5Y avg ≈14.0% | ≈14.0% | 11.0% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | FUNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity (MRQ) | 0.35Y avg ≈0.3 | ≈0.3 | 0.3 | In line |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | FUNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 4.0%5Y avg ≈5.8% | ≈5.8% | · | · | |
| Revenue CAGR 3Y | 4.5%5Y avg ≈4.6% | ≈4.6% | · | · | |
| Revenue CAGR 5Y | 5.7% | · | · | · | |
| EPS YoY | 19.7%5Y avg ≈19.3% | ≈19.3% | · | · | |
| Net Income YoY | 19.2%5Y avg ≈17.1% | ≈17.1% | · | · | |
| EPS CAGR 3Y | 0.09%5Y avg ≈2.3% | ≈2.3% | · | · | |
| EPS CAGR 5Y | 13.9% | · | · | · | |
| Net Income CAGR 3Y | -0.71%5Y avg ≈1.2% | ≈1.2% | · | · | |
| Net Income CAGR 5Y | 12.1% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | FUNC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak | |
| Revenue / Employee | ≈$58.5K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.1%
Payout Ratio24.3%
Annualized Payout≈$1.04
5Y Div CAGR≈11.1%
Growth Streak≈6
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jul 20, 2026 | $0.26 | USD | ≈2.3% |
| Apr 17, 2026 | $0.26 | USD | ≈2.7% |
| Jan 16, 2026 | $0.26 | USD | ≈2.5% |
| Oct 17, 2025 | $0.26 | USD | ≈2.7% |
| Jul 18, 2025 | $0.22 | USD | ≈2.5% |
| Apr 17, 2025 | $0.22 | USD | ≈3.1% |
| Jan 17, 2025 | $0.22 | USD | ≈2.5% |
| Oct 18, 2024 | $0.22 | USD | ≈2.6% |
| Jul 18, 2024 | $0.20 | USD | ≈3.4% |
| Apr 16, 2024 | $0.20 | USD | ≈3.6% |
| Jan 17, 2024 | $0.20 | USD | ≈3.7% |
| Oct 17, 2023 | $0.20 | USD | ≈4.7% |
| Jul 17, 2023 | $0.20 | USD | ≈4.6% |
| Apr 14, 2023 | $0.20 | USD | ≈4.1% |
| Jan 12, 2023 | $0.18 | USD | ≈3.2% |
| Oct 17, 2022 | $0.15 | USD | ≈3.4% |
| Jul 15, 2022 | $0.15 | USD | ≈3.5% |
| Apr 14, 2022 | $0.15 | USD | ≈2.6% |
| Jan 13, 2022 | $0.15 | USD | ≈3.0% |
| Oct 15, 2021 | $0.15 | USD | ≈3.2% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
9.8%
Next Report
Oct 19, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 20, 2026 | $1.13 | $1.07 | 5.5% |
| March 31, 2026 | $1.02 | $0.94 | 8.7% | |
| Dec. 31, 2025 | $1.10 | $0.98 | 12.3% | |
| Sept. 30, 2025 | $1.05 | $0.91 | 15.7% | |
| June 30, 2025 | $0.92 | $0.86 | 7.4% | |
| March 31, 2025 | $0.89 | $0.82 | 9.1% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $18M | $18M | $17M | $16M | $16M | $14M | $13M | $13M | $12M | |
| Interest Expense | · | · | $24M | $5M | $6M | $10M | $12M | $8M | $7M | |
| Interest Income | $101M | $92M | $81M | $62M | $58M | $58M | $58M | $52M | $47M | |
| Pretax Income | $33M | $27M | $19M | $33M | $26M | $18M | $16M | $13M | $12M | |
| Income Tax | $8M | $7M | $4M | $8M | $7M | $4M | $3M | $3M | $7M | |
| Net Income | $25M | $21M | $15M | $25M | $20M | $14M | $13M | $11M | $5M | |
| EPS (Basic) | $3.78 | $3.15 | $2.25 | $3.77 | $2.95 | $1.98 | $1.85 | · | · | |
| EPS (Diluted) | $3.77 | $3.15 | $2.25 | $3.76 | $2.95 | $1.97 | $1.85 | · | · | |
| Shares (Basic) | 6,490,000 | 6,527,000 | 6,686,000 | 6,650,000 | 6,710,000 | 7,004,000 | 7,101,000 | · | · | |
| Shares (Diluted) | 6,504,000 | 6,540,000 | 6,701,000 | 6,661,000 | 6,717,000 | 7,013,000 | 7,101,000 | · | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $132M | $78M | $50M | $74M | $116M | $149M | $50M | $24M | $84M | |
| PP&E (Net) | $30M | $30M | $31M | $35M | $35M | $37M | $39M | $38M | $31M | |
| PP&E (Gross) | $63M | $64M | $63M | $65M | $62M | $61M | $61M | $60M | $54M | |
| Accum. Depreciation | $33M | $34M | $31M | $30M | $27M | $24M | $22M | $23M | $23M | |
| Goodwill | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | $11M | |
| Intangibles | $440.0K | $769.0K | $1M | $1M | $1M | · | · | · | · | |
| Total Assets | $2.09B | $1.97B | $1.91B | $1.85B | $1.73B | $1.73B | $1.44B | $1.38B | $1.34B | |
| Short-term Debt | $18M | $65M | $45M | $65M | $58M | $49M | $49M | $78M | $49M | |
| Total Liabilities | $1.88B | $1.79B | $1.74B | $1.70B | $1.59B | $1.60B | $1.32B | $1.27B | $1.23B | |
| Long-term Debt | $96M | $121M | $111M | $31M | $31M | $101M | $101M | $101M | $121M | |
| Total Debt | $18M | $65M | · | $65M | $58M | · | · | $78M | $49M | |
| Common Stock | $65.0K | $65.0K | $66.0K | $67.0K | $66.0K | $70.0K | $71.0K | $71.0K | $71.0K | |
| Paid-in Capital | $22M | $20M | $24M | $24M | $24M | $30M | $32M | $32M | $32M | |
| Retained Earnings | $207M | $189M | $174M | $166M | $145M | $130M | $119M | $109M | $101M | |
| AOCI | $-25M | $-30M | $-36M | $-39M | $-27M | $-29M | $-26M | $-24M | $-25M | |
| Stockholders' Equity | $204M | $179M | $162M | $152M | $142M | $131M | $126M | $117M | $108M | |
| Liabilities + Equity | $2.09B | $1.97B | $1.91B | $1.85B | $1.73B | $1.73B | $1.44B | $1.38B | $1.34B | |
| Shares Outstanding | 6,499,476 | 6,471,096 | 6,639,888 | 6,666,428 | 6,620,955 | 6,992,911 | 7,110,022 | 7,086,632 | 7,067,425 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $760.0K | $483.0K | $527.0K | $532.0K | $472.0K | $345.0K | $268.0K | $249.0K | $192.0K | |
| Deferred Tax | $-576.0K | $-825.0K | $-889.0K | $595.0K | $550.0K | $527.0K | $953.0K | $1M | $9M | |
| Amort. of Intangibles | $329.0K | $330.0K | $330.0K | $219.0K | · | · | · | · | · | |
| Operating Cash Flow | $19M | $22M | $22M | $27M | $20M | $16M | $16M | $18M | $13M | |
| CapEx | $4M | $2M | $353.0K | $4M | $1M | $2M | $4M | $9M | $7M | |
| Investing Cash Flow | $-48M | $-38M | $-82M | $-172M | $-28M | $-191M | $-33M | $-114M | $-8M | |
| Debt Issued | · | $90M | $80M | · | · | · | · | · | · | |
| Net Debt Issued | $-25M | $10M | · | · | $-70M | · | · | $-20M | $-11M | |
| Stock Issued | $315.0K | $290.0K | $293.0K | $217.0K | $215.0K | $198.0K | $170.0K | $119.0K | $9M | |
| Stock Repurchased | · | $4M | $1M | · | $7M | $3M | · | · | · | |
| Net Stock Activity | $315.0K | $-4M | · | $217.0K | $-7M | · | · | $119.0K | $9M | |
| Dividends Paid | $6M | $5M | $5M | $4M | $4M | $4M | $3M | $2M | $1M | |
| Financing Cash Flow | $82M | $45M | $35M | $104M | $-25M | $275M | $43M | $35M | $15M | |
| Net Change in Cash | · | · | · | · | · | · | · | $-60M | $20M | |
| Taxes Paid | $8M | $5M | $6M | $8M | $6M | $1M | $1M | $530.0K | $175.0K | |
| Free Cash Flow | $15M | $20M | · | $23M | $19M | · | · | $9M | $6M | |
| Levered FCF | · | · | · | $19M | $15M | · | · | $2M | $3M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 133.1% | 116.1% | · | 155.0% | 123.1% | · | · | 84.8% | 9.8% | |
| Pretax Margin | 176.6% | 153.7% | · | 205.4% | 163.9% | · | · | 106.8% | 22.7% | |
| ROA | 1.2% | 1.1% | · | 1.4% | 1.1% | · | · | 0.78% | 0.40% | |
| ROE | 12.4% | 11.6% | · | 17.6% | 14.3% | · | · | 9.2% | 4.6% |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.4 | · | 0.4 | 0.4 | · | · | 0.7 | 0.5 |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | · | · | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $31.33 | $27.71 | · | $22.77 | $21.43 | · | · | $16.52 | $15.34 | |
| Revenue / Share | $2.83 | $2.71 | · | $2.43 | $2.39 | · | · | · | · | |
| Cash Flow / Share | $2.98 | $3.41 | · | $3.98 | $2.98 | · | · | · | · | |
| Cash / Share | $20.25 | $12.10 | · | $11.15 | $17.48 | · | · | $3.32 | $11.85 | |
| Dividend / Share | $0.96 | $0.84 | $0.80 | $0.63 | $0.60 | $0.52 | $0.44 | $0.27 | · | |
| EPS (TTM) | $3.77 | $3.15 | $2.25 | $3.76 | $2.95 | $1.97 | $1.85 | $0.15 | $0.15 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 4.0% | 6.3% | 3.2% | 0.63% | 14.8% | · | · | · | · | |
| Revenue CAGR 3Y | 4.5% | 3.3% | 6.0% | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 5.7% | · | · | · | · | · | · | · | · | |
| EPS YoY | 19.7% | 40.0% | -40.2% | 27.5% | 49.8% | · | · | · | · | |
| EPS CAGR 3Y | 0.09% | 2.2% | 4.5% | · | · | · | · | · | · | |
| EPS CAGR 5Y | 13.9% | · | · | · | · | · | · | · | · | |
| Net Income YoY | 19.2% | 36.6% | -39.9% | 26.7% | 42.8% | · | · | · | · | |
| Net Income CAGR 3Y | -0.71% | 1.3% | 2.9% | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 12.1% | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 10.3% | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $18M | $18M | $17M | $16M | $16M | $14M | $13M | $13M | $12M | |
| Net Income TTM | $25M | $21M | $15M | $25M | $20M | $14M | $13M | $11M | $5M | |
| Market Cap | $243M | $218M | · | $131M | $124M | · | · | $113M | $123M | |
| Enterprise Value | $129M | $205M | · | $121M | $66M | · | · | $167M | $88M | |
| P/E | 9.9 | 10.7 | 10.4 | 5.2 | 6.4 | 7.9 | 13.0 | 106.1 | 116.0 | |
| P/S | 13.2 | 12.3 | · | 8.1 | 7.7 | · | · | 9.0 | 10.4 | |
| P/B | 1.2 | 1.2 | · | 0.9 | 0.9 | · | · | 1.0 | 1.1 | |
| P / Tangible Book | 1.3 | 1.3 | 1.0 | 0.9 | 1.0 | 0.9 | · | · | · | |
| P / Cash Flow | 12.6 | 9.8 | · | 4.9 | 6.2 | · | · | 6.2 | 9.5 | |
| P / FCF | 15.8 | 10.7 | · | 5.7 | 6.6 | · | · | 12.8 | 19.3 | |
| EV / FCF | 8.4 | 10.1 | · | 5.3 | 3.5 | · | · | 19.0 | 13.8 | |
| EV / Revenue | 7.0 | 11.6 | · | 7.5 | 4.1 | · | · | 13.3 | 7.5 | |
| Dividend Yield | 2.5% | 2.5% | · | 3.0% | 3.1% | · | · | 1.7% | 0.99% | |
| Earnings Yield | 10.1% | 9.3% | 9.6% | 19.1% | 15.7% | 12.7% | 7.7% | 0.94% | 0.86% | |
| Payout Ratio | 24.3% | 26.1% | · | 15.9% | 19.7% | · | · | 0.00% | 23.1% | |
| Annual Payout | $6M | $5M | $5M | $4M | $4M | $4M | $3M | $2M | $1M |
Income Statement
| 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 | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $4M | $4M | |
| Interest Expense | · | · | · | · | · | · | · | · | $8M | $8M | · | $7M | $6M | $3M | $2M | $1M | |
| Interest Income | $26M | $26M | $26M | $26M | $25M | $24M | $24M | $23M | $23M | $22M | $22M | $21M | $20M | $18M | $17M | $16M | |
| Pretax Income | $7M | $9M | $8M | $9M | $8M | $8M | $8M | $8M | $7M | $5M | $2M | $6M | $6M | $6M | $9M | $10M | |
| Income Tax | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $317.0K | $1M | $1M | $1M | $2M | $3M | |
| Net Income | $6M | $7M | $6M | $7M | $6M | $6M | $6M | $6M | $5M | $4M | $2M | $5M | $4M | $4M | $7M | $7M | |
| EPS (Basic) | $0.88 | $1.03 | $0.89 | $1.07 | $0.92 | $0.90 | $0.95 | $0.89 | $0.75 | $0.56 | $0.26 | $0.67 | $0.66 | $0.66 | $1.05 | $1.04 | |
| EPS (Diluted) | $0.88 | $1.03 | $0.89 | $1.07 | $0.92 | $0.89 | $0.95 | $0.89 | $0.75 | $0.56 | $0.27 | $0.67 | $0.66 | $0.65 | $1.04 | $1.04 | |
| Shares (Basic) | 6,451,000 | 6,483,000 | · | 6,496,000 | 6,489,000 | 6,474,000 | · | 6,468,000 | 6,527,000 | 6,642,000 | · | 6,714,000 | 6,704,000 | 6,675,000 | · | 6,658,000 | |
| Shares (Diluted) | 6,461,000 | 6,494,000 | · | 6,508,000 | 6,506,000 | 6,490,000 | · | 6,482,000 | 6,537,000 | 6,655,000 | · | 6,728,000 | 6,718,000 | 6,697,000 | · | 6,669,000 |
Balance Sheet
| 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 | $85M | $90M | $132M | $95M | $79M | $84M | $78M | $62M | $45M | $87M | $50M | $81M | $89M | $156M | $74M | $31M | |
| PP&E (Net) | $30M | $30M | $30M | $30M | $30M | $30M | $30M | $31M | $30M | $30M | $31M | $33M | $34M | $34M | $35M | $35M | |
| PP&E (Gross) | · | · | $63M | · | · | · | $64M | · | · | · | $63M | · | · | · | $65M | · | |
| Accum. Depreciation | · | · | $33M | · | · | · | $34M | · | · | · | $31M | · | · | · | $30M | · | |
| Goodwill | · | · | $11M | · | · | · | $11M | $11M | $11M | $11M | $11M | · | · | · | $11M | · | |
| Intangibles | · | · | $440.0K | · | · | · | $769.0K | · | · | · | $1M | · | · | · | $1M | · | |
| Total Assets | $2.08B | $2.04B | $2.09B | $2.02B | $2.01B | $1.98B | $1.97B | $1.92B | $1.87B | $1.91B | $1.91B | $1.93B | $1.93B | $1.94B | $1.85B | $1.80B | |
| Short-term Debt | $69M | $20M | $18M | $20M | $51M | $20M | $65M | $50M | $63M | $79M | $45M | $53M | $50M | $52M | $65M | $90M | |
| Total Liabilities | $1.87B | $1.83B | $1.88B | $1.82B | $1.82B | $1.80B | $1.79B | $1.74B | $1.70B | $1.75B | $1.74B | $1.77B | $1.77B | $1.78B | $1.70B | $1.67B | |
| Long-term Debt | $31M | $31M | $96M | $96M | $121M | $121M | $121M | $121M | $71M | $71M | $111M | $111M | $111M | $111M | $31M | $31M | |
| Total Debt | $69M | $20M | · | $20M | $51M | $20M | · | $50M | $63M | · | · | $53M | $50M | $52M | · | $90M | |
| Common Stock | $64.0K | $64.0K | $65.0K | $65.0K | $65.0K | $65.0K | $65.0K | $65.0K | $65.0K | $66.0K | $66.0K | $67.0K | $67.0K | $67.0K | $67.0K | $67.0K | |
| Paid-in Capital | $20M | $19M | $22M | $21M | $21M | $21M | $20M | $20M | $20M | $24M | $24M | $25M | $25M | $25M | $24M | $24M | |
| Retained Earnings | $216M | $212M | $207M | $203M | $198M | $193M | $189M | $184M | $180M | $176M | $174M | $173M | $170M | $167M | $166M | $161M | |
| AOCI | $-23M | $-26M | $-25M | $-25M | $-28M | $-30M | $-30M | $-31M | $-36M | $-35M | $-36M | $-44M | $-40M | $-39M | $-39M | $-53M | |
| Stockholders' Equity | $212M | $205M | $204M | $199M | $191M | $184M | $179M | $174M | $164M | $165M | $162M | $155M | $155M | $153M | $152M | $132M | |
| Liabilities + Equity | $2.08B | $2.04B | $2.09B | $2.02B | $2.01B | $1.98B | $1.97B | $1.92B | $1.87B | $1.91B | $1.91B | $1.93B | $1.93B | $1.94B | $1.85B | $1.80B | |
| Shares Outstanding | 6,453,836 | 6,446,717 | 6,499,476 | 6,496,908 | 6,494,611 | 6,478,634 | 6,471,096 | 6,468,625 | 6,465,601 | 6,648,645 | 6,639,888 | 6,715,170 | 6,711,422 | 6,688,710 | 6,666,428 | 6,659,390 |
Cash Flow
| 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 | · | · | $172.0K | $93.0K | $440.0K | $55.0K | $113.0K | $-63.0K | $376.0K | $57.0K | $104.0K | $69.0K | $298.0K | $56.0K | $117.0K | $79.0K | |
| Amort. of Intangibles | $82.0K | $83.0K | $82.0K | $83.0K | $82.0K | $82.0K | $83.0K | $82.0K | $83.0K | $82.0K | $82.0K | $83.0K | $82.0K | $83.0K | $62.0K | $52.0K | |
| Operating Cash Flow | $5M | $14M | $10M | $2M | $995.0K | $7M | $9M | $2M | $7M | $4M | $6M | $9M | $5M | $4M | $8M | $8M | |
| CapEx | $146.0K | $908.0K | $2M | $1M | $289.0K | $585.0K | $45.0K | $2M | $116.0K | $65.0K | $7.0K | $62.0K | $172.0K | $112.0K | $773.0K | $547.0K | |
| Investing Cash Flow | $-42M | $-4M | $-26M | $7M | $-26M | $-3M | $-42M | $-25M | $-399.0K | $28M | $-2M | $-14M | $-57M | $-9M | $2M | $-45M | |
| Debt Issued | · | · | · | · | · | · | $0 | · | · | · | $0 | $0 | $0 | $80M | · | · | |
| Net Debt Issued | · | $-65M | · | · | · | · | · | · | · | $-40M | · | · | · | $80M | · | · | |
| Stock Issued | $91.0K | $89.0K | $89.0K | $76.0K | $75.0K | $75.0K | $75.0K | $71.0K | $70.0K | $74.0K | $75.0K | $80.0K | $74.0K | $64.0K | $55.0K | $53.0K | |
| Stock Repurchased | $371.0K | $2M | · | · | · | · | $1.0K | $-1.0K | · | · | $1M | · | · | · | · | · | |
| Net Stock Activity | · | $-2M | · | · | · | $75.0K | · | · | · | $74.0K | · | · | · | $64.0K | · | · | |
| Dividends Paid | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $999.0K | $999.0K | |
| Financing Cash Flow | $33M | $-51M | $52M | $8M | $20M | $2M | $48M | $40M | $-49M | $5M | $-35M | $-3M | $-15M | $87M | $34M | $46M | |
| Taxes Paid | $4M | $110.0K | $2M | $3M | $4M | $52.0K | $2M | $2M | $853.0K | $70.0K | $1M | $2M | $2M | $90.0K | $2M | $1M | |
| Free Cash Flow | · | $13M | · | · | · | $6M | · | · | · | $4M | · | · | · | $3M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-3M | · | · | · | $870.0K | · | · |
Profitability
| 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 | 23.7% | 28.5% | · | 30.6% | 27.5% | 27.7% | · | 28.5% | 24.5% | 19.8% | · | 23.9% | 23.5% | 23.1% | · | 169.4% | |
| Pretax Margin | 30.9% | 37.8% | · | 40.6% | 36.5% | 36.8% | · | 38.0% | 32.5% | 26.0% | · | 30.9% | 31.1% | 30.3% | · | 234.8% | |
| ROA | 0.28% | 0.33% | · | 0.35% | 0.31% | 0.30% | · | 0.30% | 0.26% | · | · | 0.24% | 0.24% | 0.24% | · | 0.39% | |
| ROE | 2.8% | 3.4% | · | 3.7% | 3.4% | 3.5% | · | 3.4% | 3.1% | · | · | 3.1% | 3.1% | 3.0% | · | 5.2% |
Liquidity & Solvency
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.3 | 0.1 | · | 0.1 | 0.3 | 0.1 | · | 0.3 | 0.4 | · | · | 0.3 | 0.3 | 0.3 | · | 0.7 |
Efficiency
| 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 |
Per Share
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $32.91 | $31.84 | · | $30.65 | $29.43 | $28.35 | · | $26.90 | $25.39 | · | · | $23.08 | $23.12 | $22.85 | · | $19.83 | |
| Revenue / Share | $3.71 | $3.61 | · | $3.49 | $3.35 | $3.23 | · | $3.13 | $3.07 | $2.81 | · | $2.81 | $2.79 | $2.82 | · | $0.61 | |
| Cash Flow / Share | · | $2.14 | · | · | · | $1.07 | · | · | · | $0.54 | · | · | · | $0.52 | · | · | |
| Cash / Share | $13.20 | $13.94 | · | $14.65 | $12.18 | $13.03 | · | $9.65 | $6.97 | · | · | $12.01 | $13.19 | $23.31 | · | $4.62 | |
| Dividend / Share | $0.26 | $0.26 | $0.26 | $0.26 | $0.22 | $0.22 | $0.22 | $0.22 | $0.20 | $0.20 | $0.20 | $0.20 | $0.20 | $0.20 | $0.13 | $0.15 | |
| EPS (TTM) | $3.87 | $3.91 | · | $3.83 | $3.65 | $3.48 | · | $2.47 | $2.25 | $2.16 | · | $3.02 | $3.39 | $3.55 | · | $3.86 |
Valuation (TTM)
| 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 | $16M | $16M | · | $16M | $16M | $16M | · | $16M | $16M | $16M | · | $16M | $16M | $16M | · | $16M | |
| Net Income TTM | $25M | $25M | · | $25M | $24M | $23M | · | $16M | $15M | $14M | · | $20M | $23M | $24M | · | $26M | |
| Market Cap | $285M | $236M | · | $239M | $201M | $194M | · | $193M | $132M | · | · | $109M | $96M | $113M | · | $110M | |
| Enterprise Value | $269M | $166M | · | $164M | $173M | $130M | · | $181M | $149M | · | · | $82M | $57M | $9M | · | $169M | |
| P/E | 11.4 | 9.4 | · | 9.6 | 8.5 | 8.6 | · | 12.1 | 9.1 | 10.6 | · | 5.4 | 4.2 | 4.7 | · | 4.3 | |
| P/S | 17.6 | 14.6 | · | 14.8 | 12.5 | 12.0 | · | 11.9 | 8.2 | 9.4 | · | 6.7 | 5.9 | 7.0 | · | 6.8 | |
| P/B | 1.3 | 1.2 | · | 1.2 | 1.1 | 1.1 | · | 1.1 | 0.8 | · | · | 0.7 | 0.6 | 0.7 | · | 0.8 | |
| P / Tangible Book | 1.3 | 1.2 | · | 1.2 | 1.1 | 1.1 | · | 1.2 | 0.9 | · | · | 0.7 | 0.6 | 0.7 | · | 0.8 | |
| P / Cash Flow | · | 17.0 | · | · | · | 27.9 | · | · | · | · | · | · | · | 32.1 | · | · | |
| EV / Revenue | 16.6 | 10.3 | · | 10.1 | 10.7 | 8.1 | · | 11.2 | 9.3 | 9.0 | · | 5.1 | 3.5 | 0.6 | · | 10.4 | |
| Dividend Yield | 2.3% | 2.6% | · | 2.4% | 2.8% | 2.8% | · | 2.7% | 4.0% | 3.5% | · | 4.5% | 4.7% | 3.7% | · | 3.6% | |
| Earnings Yield | 8.8% | 10.7% | · | 10.4% | 11.8% | 11.6% | · | 8.3% | 11.0% | 9.4% | · | 18.6% | 23.8% | 21.1% | · | 23.3% | |
| Payout Ratio | · | 25.4% | · | · | · | 24.5% | · | · | · | 35.9% | · | · | · | 27.4% | · | · | |
| Annual Payout | $6M | $6M | · | $6M | $6M | $5M | · | $5M | $5M | $5M | · | $5M | $5M | $4M | · | $4M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $18M | $18M | $17M | $16M | $16M |
| Net Income | $25M | $21M | $15M | $25M | $20M |
| Diluted EPS | $3.77 | $3.15 | $2.25 | $3.76 | $2.95 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.4 | · | 0.4 | 0.4 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $15M | $20M | · | $23M | $19M |
Institutional owners (13F) 91 filers · $145.3M 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.
Holders
91
Value held
$145.3M
New positions
8
Exited positions
6
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 8 (-4 vs prior Q) | 6 (-1 vs prior Q) | 37 (+11 vs prior Q) | 22 (-12 vs prior Q) | +136K |
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 |
|---|---|---|---|---|
| BlackRock, Inc. | $20,125,099 | 456,248 | 13.85% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $15,964,535 | 361,916 | 10.99% | Shares |
| VANGUARD GROUP INC | $12,852,703 | 343,288 | 8.85% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $11,878,338 | 269,289 | 8.18% | Shares |
| GENDELL JEFFREY L | $7,867,107 | 178,352 | 5.42% | Shares |
| De Lisle Partners LLP | $7,276,723 | 164,390 | 5.01% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $6,693,843 | 151,702 | 4.61% | Shares |
| Huber Capital Management LLC | $5,290,421 | 119,937 | 3.64% | Shares |
| AMERICAN CENTURY COMPANIES INC | $5,008,735 | 113,551 | 3.45% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $4,904,811 | 111,195 | 3.38% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $4,488,898 | 101,766 | 3.09% | Shares |
| STATE STREET CORP | $3,768,758 | 85,440 | 2.59% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3,342,656 | 75,780 | 2.30% | Shares |
| NORTHERN TRUST CORP | $2,841,963 | 64,429 | 1.96% | Shares |
| GOLDMAN SACHS GROUP INC | $2,773,990 | 62,888 | 1.91% | Shares |
| MORGAN STANLEY | $2,336,241 | 52,964 | 1.61% | Shares |
| TWO SIGMA INVESTMENTS, LP | $2,109,428 | 47,822 | 1.45% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,799,026 | 40,785 | 1.24% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,748,432 | 39,638 | 1.20% | Shares |
| Empowered Funds, LLC | $1,681,120 | 38,112 | 1.16% | Shares |
| Daytona Street Capital LLC | $1,638,918 | 37,130 | 1.13% | Shares |
| MARSHALL WACE, LLP | $1,289,867 | 29,242 | 0.89% | Shares |
| Bank of New York Mellon Corp | $1,128,142 | 25,576 | 0.78% | Shares |
| Qube Research & Technologies Ltd | $1,029,660 | 23,343 | 0.71% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $997,460 | 22,613 | 0.69% | Shares |
| SummerHaven Investment Management, LLC | $986,829 | 22,372 | 0.68% | Shares |
| HoldCo Asset Management, LP | $917,664 | 20,804 | 0.63% | Shares |
| CITADEL ADVISORS LLC | $879,024 | 19,928 | 0.61% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $778,586 | 17,651 | 0.54% | Shares |
| Angel Oak Capital Advisors, LLC | $749,870 | 17,000 | 0.52% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $651,549 | 14,771 | 0.45% | Shares |
| ROYAL BANK OF CANADA | $580,000 | 13,149 | 0.40% | Shares |
| Trexquant Investment LP | $531,878 | 12,058 | 0.37% | Shares |
| Nuveen, LLC | $528,659 | 11,985 | 0.36% | Shares |
| HSBC HOLDINGS PLC | $501,966 | 11,484 | 0.35% | Shares |
| Squarepoint Ops LLC | $489,621 | 11,100 | 0.34% | Shares |
| TWO SIGMA ADVISERS, LP | $468,000 | 12,500 | 0.32% | Shares |
| BARCLAYS PLC | $448,951 | 10,178 | 0.31% | Shares |
| PRUDENTIAL FINANCIAL INC | $358,394 | 8,125 | 0.25% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $343,220 | 7,781 | 0.24% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $338,572 | 7,676 | 0.23% | Shares |
| OSAIC HOLDINGS, INC. | $313,803 | 7,114 | 0.22% | Shares |
| MILLENNIUM MANAGEMENT LLC | $306,609 | 6,951 | 0.21% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $277,849 | 6,299 | 0.19% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $256,407 | 5,813 | 0.18% | Shares |
| Wealthspire Advisors, LLC | $253,280 | 5,742 | 0.17% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $246,795 | 5,595 | 0.17% | Shares |
| CANADA PENSION PLAN INVESTMENT BOARD | $238,194 | 5,400 | 0.16% | Shares |
| DEUTSCHE BANK AG\ | $235,989 | 5,350 | 0.16% | Shares |
| WELLS FARGO & COMPANY/MN | $224,959 | 5,100 | 0.15% | Shares |
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 |
|---|---|---|---|---|---|
| Driver Opportunity Partners I LP, Driver Management Company LLC, J. Abbott R. Cooper ×25 filings | April 19, 2021 | · | Initial filing | · | 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.
Company insiders 37 insiders · 10 officers · 22 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| William B Grant | Chairman & CEO | Aug. 20, 2015 I | 6,860 | 0 | 0 | $0 |
| Anthony James Tasker | SVP & COO | March 6, 2026 A | 988 | 0 | 1 | $-39 |
| Robert L. Fisher II | EVP & Chief Banking Officer | July 28, 2026 S | 9,105 | 0 | 1 | $-237,772 |
| Keith Sanders | EVP & Chief Wealth Officer | July 23, 2026 S | 10,342 | 0 | 1 | $-218,400 |
| Julie W Peterson | SVP & Chief Credit Officer | March 6, 2026 A | 1,603 | 0 | 0 | $0 |
| Robin E Murray | SVP & Dir. of Retail Banking | March 20, 2017 P | 501 | 0 | 0 | $0 |
| Eugene D Helbig JR | Sr. V.P & Sr. Trust Officer | May 4, 2011 P | 1,029 | 0 | 0 | $0 |
| Steven M Lantz | Sr. VP & Sr. Lending Officer | Sept. 14, 2009 S | 702 | 0 | 0 | $0 |
| Frederick A Thayer IV | Sr. VP & Director of Sales | June 30, 2009 D | 4,136 | 0 | 0 | $0 |
| Jeannette R Fitzwater | Senior Vice President | June 30, 2009 D | 8,583 | 0 | 0 | $0 |
| Irvin Robert Rudy | Director | July 24, 2026 S | 37,500 | 0 | 1 | $-44,580 |
| Kevin Hessler | Director | May 27, 2026 A | 5,573 | 0 | 0 | $0 |
| Beth Moran | Director | May 27, 2026 A | 28,952 | 0 | 0 | $0 |
| Christy Dipietro | Director | May 27, 2026 A | 16,684 | 0 | 0 | $0 |
| Sanu Chadha | Director | May 27, 2026 A | 9,862 | 0 | 0 | $0 |
| Patricia Milon | Director | May 27, 2026 A | 11,481 | 0 | 0 | $0 |
| John F. Barr | Director | May 27, 2026 A | 30,904 | 0 | 0 | $0 |
| Andrew H Walls III | Director | May 27, 2026 A | 52,079 | 0 | 0 | $0 |
| Marisa A. Shockley | Director | May 22, 2024 A | 26,253 | 0 | 0 | $0 |
| John Mccullough | Director | Feb. 1, 2023 P | 54,712 | 0 | 0 | $0 |
| Kathryn M Burkey | Director | Aug. 27, 2020 P | 46,020 | 0 | 0 | $0 |
| Elaine L Mcdonald | Director | July 22, 2020 A | 31,982 | 0 | 0 | $0 |
| Robert W Kurtz | Director | June 3, 2019 S | 10,521 | 0 | 0 | $0 |
| Robert G Stuck | Director | May 24, 2018 A | 14,082 | 0 | 0 | $0 |
| Donald E Moran | Director | Sept. 3, 2014 P | 102,452 | 0 | 0 | $0 |
| Richard G Stanton | Director | May 28, 2014 A | 18,939 | 0 | 0 | $0 |
| Paul B Cox JR | Director | May 22, 2013 A | 6,666 | 0 | 0 | $0 |
| David J Beachy | Director | May 22, 2013 A | 11,357 | 0 | 0 | $0 |
| Faye E Cannon | Director | May 26, 2010 A | 4,840 | 0 | 0 | $0 |
| Raymond F Hinkle | Director | May 26, 2010 A | 7,255 | 0 | 0 | $0 |
| Karen F Myers | Director | May 14, 2008 A | 6,658 | 0 | 0 | $0 |
| Tonya K. Sturm | · | Aug. 3, 2026 P | 11,835 | 4 | 0 | $2,575 |
| Brian R. Boal | · | Aug. 3, 2026 P | 22,386 | 4 | 0 | $12,293 |
| Jason Barry Rush | · | Aug. 3, 2026 P | 27,311 | 4 | 0 | $11,574 |
| Carissa Lynn Rodeheaver | · | Aug. 3, 2026 P | 49,010 | 8 | 0 | $25,319 |
| Gary Ruddell | · | May 3, 2021 P | 20,559 | 0 | 0 | $0 |
| Beverly A Sines | · | March 18, 2020 I | 308 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 20 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% | 21,364 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 5,312 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.01% | 23,482 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 37,553 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 628 SH | Oct. 2, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 35,016 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 164,255 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 2,897 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 21,007 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.00% | 946 SH | Oct. 2, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 12,988 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 414 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 543 NS | July 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 1,266 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 555 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 8 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 67,432 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 195,054 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 457 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 59,911 SH | Sept. 11, 2026 | Daily |
FUNC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 8 analysts
BUY
Median target
$50.00
+14.6%
2 25.0%
Strong Buy
5 62.5%
Buy
1 12.5%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
2 analysts · 2026-09-27Mean target $50.00 +14.6%
Low$50.00
Mean$50.00
High$50.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| FUNC | $243M | 9.9 | 4.0% | 133.1% | 12.4% | · |
| ISBA | $366M | 19.5 | 11.5% | 24.1% | 8.4% | · |
| QNBC | · | · | 16.9% | 24.2% | 11.6% | · |
| ATLO | $203M | 15.6 | 21.9% | 28.5% | 9.5% | · |
| FRAF | $225M | 10.6 | 24.8% | 23.9% | 12.8% | · |
| NKSH | $214M | 13.5 | 9.8% | 193.6% | 8.9% | · |
| FBLA | $232M | 183.6 | -3.8% | 2.4% | 0.39% | · |
| LCNB | $233M | 10.1 | 13.3% | 25.1% | 8.6% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-Q filed Aug 6, 2026