Earnings History
EPS actual vs estimate, surprise %, beat rate, next earnings date
14
Next ReportOct 20, 2026
Period
Report
EPS Actual
EPS Est
Surprise
Sept. 30, 2025
$0.32
—
—
June 30, 2025
$0.34
—
—
Sept. 30, 2024
$0.24
—
—
June 30, 2024
$0.19
—
—
Full Fundamentals
All metrics by year — income statement, balance sheet, cash flow
15
Income Statement8
Metric
Trend
2025
2024
Interest Income
$36M
$35M
Pretax Income
$9M
$6M
Income Tax
$1M
$935.0K
Net Income
$7M
$5M
EPS (Basic)
$0.97
$0.65
EPS (Diluted)
$0.97
$0.65
Shares (Basic)
7,510,235
7,617,009
Shares (Diluted)
7,519,415
7,617,009
Balance Sheet14
Metric
Trend
2025
2024
Cash & Equivalents
$64M
$33M
PP&E (Net)
$7M
$7M
PP&E (Gross)
$22M
$22M
Accum. Depreciation
$15M
$15M
Total Assets
$727M
$686M
Total Liabilities
$586M
$596M
Long-term Debt
$0
$10M
Common Stock
$78.0K
$68.0K
Retained Earnings
$88M
$83M
Treasury Stock
$0
$13M
AOCI
$-8M
$-10M
Stockholders' Equity
$142M
$90M
Liabilities + Equity
$727M
$686M
Shares Outstanding
7,836,100
7,770,658
Cash Flow9
Metric
Trend
2025
2024
Deferred Tax
$-101.0K
$128.0K
Operating Cash Flow
$8M
$3M
Investing Cash Flow
$-8M
$21M
Net Debt Issued
$-10M
·
Stock Issued
$43M
·
Stock Repurchased
$53.0K
$20.0K
Net Stock Activity
$43M
·
Dividends Paid
$2M
$1M
Financing Cash Flow
$31M
$-44M
Profitability4
Metric
Trend
2025
2024
Net Margin
26.1%
·
Pretax Margin
31.4%
·
ROA
1.0%
·
ROE
6.2%
·
Efficiency1
Metric
Trend
2025
2024
Asset Turnover
0.0
·
Per Share6
Metric
Trend
2025
2024
Book Value / Share
$18.08
·
Revenue / Share
$3.70
·
Cash Flow / Share
$1.06
·
Cash / Share
$8.20
·
Dividend / Share
$0.31
$0.40
EPS (TTM)
$0.97
·
Growth Rates3
Metric
Trend
2025
2024
Revenue YoY
14.2%
·
EPS YoY
49.2%
·
Net Income YoY
47.4%
·
Valuation (TTM)12
Metric
Trend
2025
2024
Revenue TTM
$28M
·
Net Income TTM
$7M
·
Market Cap
$115M
·
P/E
15.1
·
P/S
4.1
·
P/B
0.8
·
P / Tangible Book
0.8
·
P / Cash Flow
14.4
·
Dividend Yield
1.5%
·
Earnings Yield
6.6%
·
Payout Ratio
23.1%
·
Annual Payout
$2M
·
Income Statement8
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Interest Income
$9M
$9M
$9M
$9M
$9M
$8M
$9M
$9M
$9M
Pretax Income
$3M
$2M
$2M
$3M
$2M
$1M
$2M
$2M
$1M
Income Tax
$477.0K
$430.0K
$411.0K
$487.0K
$378.0K
$206.0K
$278.0K
$258.0K
$216.0K
Net Income
$2M
$2M
$2M
$2M
$2M
$1M
$1M
$1M
$1M
EPS (Basic)
$0.29
$0.26
$0.27
$0.32
$0.25
$0.14
$0.19
$0.18
$0.19
EPS (Diluted)
$0.29
$0.26
$0.27
$0.32
$0.25
$0.14
$0.19
$0.18
$0.19
Shares (Basic)
7,377,633
7,349,045
·
7,386,783
7,678,457
7,650,171
·
7,640,059
5,885,764
Shares (Diluted)
7,394,317
7,365,208
·
7,395,351
7,682,245
7,655,927
·
7,640,059
5,885,764
Balance Sheet14
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Cash & Equivalents
$72M
$62M
$64M
$84M
$75M
·
$33M
·
·
PP&E (Net)
$7M
$7M
$7M
$7M
$7M
·
$7M
·
·
PP&E (Gross)
·
·
$22M
·
·
·
$22M
·
·
Accum. Depreciation
·
·
$15M
·
·
·
$15M
·
·
Total Assets
$737M
$722M
$727M
$743M
$735M
·
$686M
·
·
Total Liabilities
$592M
$580M
$586M
$603M
$642M
·
$596M
·
·
Long-term Debt
·
·
$0
$2M
$2M
·
$10M
·
·
Common Stock
$79.0K
$79.0K
$78.0K
$78.0K
$68.0K
·
$68.0K
·
·
Retained Earnings
$91M
$90M
$88M
$87M
$85M
·
$83M
·
·
Treasury Stock
·
·
$0
$0
$13M
·
$13M
·
·
AOCI
$-8M
$-8M
$-8M
$-9M
$-10M
·
$-10M
·
·
Stockholders' Equity
$145M
$142M
$142M
$139M
$93M
·
$90M
·
·
Liabilities + Equity
$737M
$722M
$727M
$743M
$735M
·
$686M
·
·
Shares Outstanding
7,863,818
7,863,388
7,836,100
7,825,501
5,759,172
·
7,770,658
·
·
Cash Flow10
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Deferred Tax
$-137.0K
$-54.0K
$53.0K
$-49.0K
$-13.0K
$-92.0K
$25.0K
$5.0K
·
Operating Cash Flow
$2M
$3M
$2M
$3M
$2M
$718.0K
$3M
$-1M
·
CapEx
$80.0K
$8.0K
·
$41.0K
$386.0K
$150.0K
·
$0
·
Investing Cash Flow
$-3M
$3M
$-3M
$1M
$-324.0K
$-6M
$-7M
$7M
·
Stock Issued
·
·
$-2.0K
·
·
·
·
·
·
Stock Repurchased
$50.0K
$32.0K
$2.0K
$0
$16.0K
$35.0K
$3.0K
$0
·
Net Stock Activity
·
$-32.0K
·
·
·
·
·
·
·
Dividends Paid
$663.0K
$662.0K
$657.0K
$658.0K
$0
$361.0K
$360.0K
$361.0K
·
Financing Cash Flow
$12M
$-8M
$-18M
$4M
$43M
$2M
$-37M
$7M
·
Free Cash Flow
·
$3M
·
·
·
·
·
·
·
Profitability4
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Net Margin
28.4%
26.1%
·
31.8%
27.7%
·
·
·
·
Pretax Margin
34.7%
32.0%
·
38.4%
33.2%
·
·
·
·
ROA
0.30%
0.53%
·
0.64%
0.52%
·
·
·
·
ROE
1.8%
2.7%
·
3.4%
4.1%
·
·
·
·
Efficiency1
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Asset Turnover
0.0
0.0
·
0.0
0.0
·
·
·
·
Per Share6
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Book Value / Share
$18.41
$18.11
·
$17.80
$16.13
·
·
·
·
Revenue / Share
$1.03
$1.00
·
$1.00
$1.22
·
·
·
·
Cash Flow / Share
·
$0.38
·
·
·
·
·
·
·
Cash / Share
$9.19
$7.83
·
$10.69
$13.09
·
·
·
·
Dividend / Share
$0.09
$0.09
$0.09
$0.09
$0.00
$0.13
$0.13
$0.13
$0.13
EPS (TTM)
$1.14
$1.10
·
$0.90
$0.76
$0.70
·
·
·
Valuation (TTM)12
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Revenue TTM
$30M
$29M
·
$27M
$26M
$25M
·
·
·
Net Income TTM
$8M
$8M
·
$7M
$6M
$5M
·
·
·
Market Cap
$140M
$119M
·
$102M
$67M
·
·
·
·
P/E
15.6
13.8
·
14.4
15.4
16.7
·
·
·
P/S
4.7
4.1
·
3.8
2.6
·
·
·
·
P/B
1.0
0.8
·
0.7
0.7
·
·
·
·
P / Tangible Book
1.0
0.8
·
0.7
0.7
·
·
·
·
P / Cash Flow
·
42.8
·
·
·
·
·
·
·
Dividend Yield
1.9%
1.7%
·
1.4%
1.6%
·
·
·
·
Earnings Yield
6.4%
7.2%
·
6.9%
6.5%
6.0%
·
·
·
Payout Ratio
·
34.4%
·
·
·
·
·
·
·
Annual Payout
$3M
$2M
·
$1M
$1M
·
·
·
·
Most recent period on the left · null values shown as ·
Financial Statements
Income statement, balance sheet, cash flow — annual, last 5 years
16
Metric
2025-12-31
2024-12-31
Net Income
$7M
$5M
Diluted EPS
$0.97
$0.65
No data for this statement
Not enough fundamentals data to build this statement yet.
No data for this statement
Not enough fundamentals data to build this statement yet.
Institutional owners (13F)
33 filers
· $39.4M total
· As of June 30, 2026
17
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.
Holders33
Value held$39.4M
New positions3
Exited positions1
Institutional activity — Q2 2026 vs prior quarter
New positions
Exited positions
Increased
Decreased
Net shares change
3 (-1 vs prior Q)
1 (-2 vs prior Q)
14 (+6 vs prior Q)
3 (-4 vs prior Q)
+56K
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.
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.
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
10 insiders
· 2 officers · 7 directors