Earnings History
EPS actual vs estimate, surprise %, beat rate, next earnings date
14
Avg Surprise2.5%
Next ReportOct 21, 2026
Period
Report
EPS Actual
EPS Est
Surprise
June 30, 2026
Jul 22, 2026
$0.80
$0.82
-2.0%
Dec. 31, 2025
$0.84
$0.69
21.1%
Sept. 30, 2025
$0.70
$0.67
4.0%
June 30, 2025
$0.61
$0.65
-6.6%
March 31, 2025
$0.51
$0.53
-3.8%
Full Fundamentals
All metrics by year — income statement, balance sheet, cash flow
15
Income Statement10
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue
$8M
$7M
$7M
$7M
$7M
$6M
$6M
$6M
$6M
$5M
Interest Expense
·
·
$22M
$3M
·
$6M
$7M
$5M
$4M
·
Interest Income
$75M
$70M
$59M
$50M
$45M
$44M
$45M
$43M
$41M
$41M
Pretax Income
$19M
$9M
$19M
$32M
$25M
$19M
$21M
$19M
$20M
$19M
Income Tax
$3M
$1M
$3M
$6M
$4M
$3M
$3M
$3M
$6M
$4M
Net Income
$16M
$8M
$16M
$26M
$20M
$16M
$17M
$16M
$14M
$15M
EPS (Basic)
$2.49
$1.24
$2.66
$4.33
$3.28
$2.48
$2.65
$2.32
$2.03
$2.15
EPS (Diluted)
$2.49
$1.24
$2.66
$4.33
·
$2.48
$2.65
$2.32
$2.03
$2.15
Shares (Basic)
6,359,960
6,161,428
5,889,687
5,989,601
6,209,929
6,483,230
6,580,659
6,957,974
6,957,974
6,957,974
Shares (Diluted)
6,362,505
6,163,610
5,889,953
5,989,601
·
·
·
·
6,957,974
6,957,974
Balance Sheet14
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Cash & Equivalents
$59M
$108M
$87M
·
·
·
·
·
·
·
PP&E (Net)
$18M
$17M
$11M
$10M
$10M
$10M
$9M
$9M
$8M
$9M
PP&E (Gross)
$31M
$28M
$24M
$22M
$22M
$21M
$20M
$19M
$18M
$18M
Accum. Depreciation
$12M
$11M
$12M
$12M
$12M
$11M
$11M
$10M
$9M
$9M
Goodwill
$11M
$11M
$6M
$6M
$6M
$6M
$6M
$6M
$6M
$6M
Intangibles
$1M
$2M
$0
·
·
·
$6M
$6M
$6M
$6M
Total Assets
$1.82B
$1.81B
$1.66B
$1.68B
$1.70B
$1.52B
$1.32B
$1.26B
$1.26B
$1.23B
Total Liabilities
$1.64B
$1.66B
$1.51B
$1.55B
$1.51B
$1.32B
$1.14B
$1.07B
$1.07B
$1.06B
Common Stock
$22M
$22M
$7M
$7M
$8M
$8M
$8M
$9M
$9M
$9M
Retained Earnings
$203M
$196M
$198M
$199M
$188M
$190M
$184M
$194M
$186M
$178M
AOCI
$-40M
$-62M
$-65M
$-84M
$-4M
$3M
$-9M
$-12M
$-10M
$-9M
Stockholders' Equity
$185M
$156M
$141M
$123M
$192M
$201M
$184M
$190M
$185M
$178M
Liabilities + Equity
$1.82B
$1.81B
$1.66B
$1.68B
$1.70B
$1.52B
$1.32B
$1.26B
$1.26B
$1.23B
Shares Outstanding
6,368,410
6,363,371
5,893,782
5,889,687
6,063,937
6,432,020
6,489,574
6,957,974
6,957,974
6,957,974
Cash Flow14
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Stock-based Comp
$193.0K
$128.0K
$42.0K
$0
·
·
·
·
·
·
Deferred Tax
$704.0K
$-884.0K
$750.0K
$-109.0K
$152.0K
$282.0K
$529.0K
$-382.0K
$2M
$18.0K
Amort. of Intangibles
$373.0K
$237.0K
$0
·
·
·
·
$50.0K
$68.0K
$257.0K
Operating Cash Flow
$18M
$9M
$16M
$30M
$23M
$14M
$19M
$20M
$11M
$18M
CapEx
$3M
$3M
$1M
$1M
$323.0K
$2M
$1M
$1M
$261.0K
$634.0K
Investing Cash Flow
$-39M
$16M
$53M
$-130M
$-193M
$-178M
$-62M
$-4M
$-20M
$-32M
Stock Repurchased
·
·
$0
$6M
$13M
$2M
$19M
·
·
·
Net Stock Activity
·
·
$0
$-6M
$-13M
·
$-19M
·
·
·
Dividends Paid
$10M
$9M
$15M
$9M
$9M
$9M
$9M
$8M
$8M
$8M
Financing Cash Flow
$-28M
$-4M
$-54M
$33M
$175M
$167M
$40M
$-16M
$8M
$17M
Net Change in Cash
$-49M
$22M
$15M
$-67M
$5M
$3M
$-3M
$-44.0K
$-1M
$2M
Taxes Paid
$2M
$715.0K
$3M
$4M
$3M
$4M
$3M
$2M
$4M
$4M
Free Cash Flow
$15M
$6M
$14M
$28M
$23M
·
$18M
$19M
$11M
$17M
Levered FCF
·
·
$-4M
·
·
·
$12M
·
·
·
Profitability4
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Net Margin
193.6%
102.0%
221.9%
370.8%
306.4%
·
283.8%
257.8%
29.7%
32.0%
Pretax Margin
234.4%
122.0%
264.1%
454.2%
370.2%
·
336.0%
298.6%
42.9%
40.5%
ROA
0.87%
0.44%
0.94%
1.5%
1.3%
·
1.4%
1.3%
1.1%
1.2%
ROE
8.9%
4.7%
12.2%
22.1%
10.7%
·
9.4%
8.5%
7.6%
8.2%
Efficiency1
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
Per Share6
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Book Value / Share
$29.04
$24.58
$23.84
$20.83
$31.62
·
·
$27.34
$26.57
$25.62
Revenue / Share
$1.28
$1.21
$1.20
·
·
·
·
·
$6.83
$6.71
Cash Flow / Share
$2.81
$1.53
$2.64
·
·
·
·
·
$1.58
$2.52
Cash / Share
$9.30
$16.99
·
·
·
·
·
·
·
·
Dividend / Share
$1.51
$1.51
$2.51
$1.50
$1.44
$1.39
$1.39
$1.21
·
·
EPS (TTM)
$2.49
$1.24
$2.66
$4.33
$3.06
$2.48
$2.65
$2.32
$2.03
$2.15
Growth Rates10
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue YoY
9.8%
5.3%
1.1%
5.1%
17.7%
·
·
·
·
·
Revenue CAGR 3Y
5.3%
3.8%
7.7%
·
·
·
·
·
·
·
Revenue CAGR 5Y
7.7%
·
·
·
·
·
·
·
·
·
EPS YoY
100.8%
-53.4%
-38.6%
·
·
·
·
·
·
·
EPS CAGR 3Y
-16.8%
·
2.4%
·
·
·
·
·
·
·
EPS CAGR 5Y
0.08%
·
·
·
·
·
·
·
·
·
Net Income YoY
107.6%
-51.4%
-39.5%
27.2%
26.8%
·
·
·
·
·
Net Income CAGR 3Y
-15.2%
-28.0%
-0.81%
·
·
·
·
·
·
·
Net Income CAGR 5Y
-0.31%
·
·
·
·
·
·
·
·
·
Dividends Paid CAGR 5Y
1.3%
·
·
·
·
·
·
·
·
·
Valuation (TTM)13
Metric
Trend
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue TTM
$8M
$7M
$7M
$7M
$7M
$6M
$6M
$6M
$6M
$5M
Net Income TTM
$16M
$8M
$16M
$26M
$20M
$16M
$17M
$16M
$14M
$15M
Market Cap
$214M
$183M
$191M
$237M
$217M
·
·
$253M
$316M
$302M
P/E
13.5
23.2
12.2
9.3
11.7
12.6
17.0
15.7
22.4
20.2
P/S
26.1
24.5
27.0
33.9
32.7
·
·
40.5
51.7
55.9
P/B
1.2
1.2
1.4
1.9
1.1
·
·
1.3
1.7
1.7
P / Tangible Book
1.2
1.3
1.4
2.0
1.2
1.0
·
·
·
·
P / Cash Flow
11.9
19.4
12.3
8.0
9.5
·
·
12.8
28.8
17.2
P / FCF
14.1
29.6
13.6
8.4
9.6
·
·
13.6
29.5
17.9
Dividend Yield
4.5%
5.1%
7.8%
3.8%
4.0%
·
·
3.3%
2.6%
2.7%
Earnings Yield
7.4%
4.3%
8.2%
10.7%
8.5%
7.9%
5.9%
6.4%
4.5%
5.0%
Payout Ratio
60.7%
121.5%
94.2%
34.5%
43.2%
·
51.7%
52.1%
57.8%
54.0%
Annual Payout
$10M
$9M
$15M
$9M
$9M
$9M
$9M
$8M
$8M
$8M
Income Statement10
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
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
$2M
Interest Expense
·
·
·
·
·
·
·
·
·
$8M
·
$6M
$5M
$3M
$1M
$753.0K
Interest Income
$19M
$19M
$20M
$19M
$19M
$18M
$18M
$19M
$17M
$16M
$16M
$15M
$15M
$14M
$14M
$13M
Pretax Income
$6M
$6M
$7M
$5M
$3M
$4M
$4M
$3M
$-485.0K
$3M
$5M
$4M
$4M
$5M
$12M
$8M
Income Tax
$1M
$1M
$1M
$961.0K
$362.0K
$666.0K
$609.0K
$550.0K
$-178.0K
$518.0K
$879.0K
$617.0K
$540.0K
$948.0K
$2M
$1M
Net Income
$5M
$5M
$6M
$4M
$2M
$3M
$3M
$3M
$-307.0K
$2M
$4M
$3M
$4M
$5M
$9M
$6M
EPS (Basic)
$0.79
$0.78
$0.92
$0.70
$0.36
$0.51
$0.50
$0.42
$-0.05
$0.37
$0.71
$0.52
$0.66
$0.77
$1.56
$1.03
EPS (Diluted)
$0.79
$0.78
$0.93
$0.69
$0.36
$0.51
$0.50
$0.42
$-0.05
$0.37
$0.71
$0.52
$0.66
$0.77
$1.56
$1.03
Shares (Basic)
6,363,920
6,363,371
·
6,360,973
6,358,917
6,358,410
·
6,356,594
6,028,220
5,889,687
·
5,889,687
5,889,687
5,889,687
·
5,974,961
Shares (Diluted)
6,367,161
6,366,154
·
6,363,351
6,361,582
6,360,392
·
6,358,352
6,028,220
5,891,651
·
5,889,939
5,890,048
5,889,687
·
5,974,961
Balance Sheet14
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
$55M
$62M
$59M
$42M
$93M
$123M
$108M
$50M
$99M
$121M
$87M
·
·
·
·
·
PP&E (Net)
$18M
$18M
$18M
$20M
$18M
$18M
$17M
$16M
$15M
$11M
$11M
$11M
$11M
$10M
$10M
$10M
PP&E (Gross)
·
·
$31M
·
·
·
$28M
·
·
·
$24M
·
·
·
$22M
·
Accum. Depreciation
·
·
$12M
·
·
·
$11M
·
·
·
$12M
·
·
·
$12M
·
Goodwill
$11M
$11M
$11M
$11M
$11M
$11M
$11M
$11M
$11M
$6M
$6M
$6M
$6M
$6M
$6M
$6M
Intangibles
$1M
$1M
$1M
$2M
$2M
$2M
$2M
$2M
$2M
·
·
·
·
·
·
·
Total Assets
$1.83B
$1.83B
$1.82B
$1.80B
$1.81B
$1.84B
$1.81B
$1.79B
$1.81B
$1.69B
$1.66B
$1.59B
$1.63B
$1.65B
$1.68B
$1.70B
Total Liabilities
$1.64B
$1.64B
$1.64B
$1.62B
$1.64B
$1.67B
$1.66B
$1.62B
$1.66B
$1.55B
$1.51B
$1.48B
$1.50B
$1.52B
$1.55B
$1.59B
Common Stock
$22M
$22M
$22M
$22M
$22M
$22M
$22M
$22M
$22M
$7M
$7M
$7M
$7M
$7M
$7M
$7M
Retained Earnings
$208M
$208M
$203M
$202M
$197M
$200M
$196M
$198M
$196M
$200M
$198M
$198M
$195M
$196M
$199M
$197M
AOCI
$-38M
$-42M
$-40M
$-44M
$-50M
$-54M
$-62M
$-52M
$-68M
$-68M
$-65M
$-90M
$-74M
$-72M
$-84M
$-92M
Stockholders' Equity
$192M
$187M
$185M
$179M
$169M
$167M
$156M
$168M
$149M
$139M
$141M
$116M
$128M
$131M
$123M
$112M
Liabilities + Equity
$1.83B
$1.83B
$1.82B
$1.80B
$1.81B
$1.84B
$1.81B
$1.79B
$1.81B
$1.69B
$1.66B
$1.59B
$1.63B
$1.65B
$1.68B
$1.70B
Shares Outstanding
6,370,620
6,368,410
6,368,410
6,366,001
6,366,001
6,363,371
6,363,371
6,360,973
6,361,433
5,893,782
5,893,782
5,891,739
·
5,889,687
5,889,687
5,957,275
Cash Flow12
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
$63.0K
$62.0K
$50.0K
$49.0K
$51.0K
$43.0K
$35.0K
$28.0K
$33.0K
$32.0K
$21.0K
$16.0K
$5.0K
$0
$0
$0
Amort. of Intangibles
$84.0K
$87.0K
$89.0K
$92.0K
$95.0K
$97.0K
$100.0K
$102.0K
$35.0K
$0
$0
$0
$0
·
·
·
Operating Cash Flow
$4M
$3M
$7M
$6M
$2M
$3M
$5M
$3M
$-3M
$4M
$2M
$5M
$3M
$4M
$11M
$8M
CapEx
$190.0K
$229.0K
$432.0K
$800.0K
$543.0K
$963.0K
$954.0K
$971.0K
$1M
$315.0K
$228.0K
·
·
·
·
·
Investing Cash Flow
$-6M
$-3M
$-240.0K
$-41M
$3M
$-1M
$16M
$-5M
$13M
$-3M
$-3M
$470.0K
$41M
$16M
$5M
$-52M
Stock Repurchased
·
·
·
·
·
·
·
·
·
·
·
$0
$0
$0
$3M
$796.0K
Net Stock Activity
·
·
·
·
·
·
·
·
·
·
·
·
·
$0
·
·
Dividends Paid
·
·
$5M
$0
·
·
$5M
$1.0K
$4M
$0
$5M
$0
$4M
$6M
$5M
$-5.0K
Financing Cash Flow
$-5M
$3M
$10M
$-16M
$-35M
$13M
$37M
$-48M
$-32M
$34M
$34M
$-22M
$-29M
$-37M
$-35M
$-8M
Net Change in Cash
$-8M
$3M
$17M
$-51M
$-30M
$14M
$58M
$-49M
$-22M
$35M
$33M
$-17M
$15M
$-17M
$-19M
$-51M
Taxes Paid
$710.0K
$1M
$1M
$93.0K
·
·
$0
$0
$455.0K
$260.0K
$-1M
$150.0K
$3M
$1M
$420.0K
$1M
Free Cash Flow
·
$3M
·
·
·
$2M
·
·
·
·
·
·
·
·
·
·
Profitability4
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
230.9%
225.6%
·
212.7%
119.2%
150.6%
·
142.0%
-16.7%
114.2%
·
167.5%
230.4%
246.0%
·
343.3%
Pretax Margin
279.0%
273.9%
·
258.9%
138.0%
181.6%
·
171.1%
-26.4%
141.5%
·
201.1%
262.3%
297.4%
·
420.8%
ROA
0.28%
0.27%
·
0.25%
0.13%
0.18%
·
0.16%
-0.02%
0.13%
·
0.19%
0.23%
0.27%
·
0.37%
ROE
2.8%
2.8%
·
2.5%
1.4%
2.1%
·
1.9%
-0.22%
1.6%
·
2.7%
2.9%
3.1%
·
4.1%
Efficiency1
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
Per Share6
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
$30.17
$29.43
·
$28.15
$26.51
$26.29
·
$26.38
$23.42
$23.65
·
$19.71
·
$22.25
·
$18.83
Revenue / Share
$0.34
$0.35
·
$0.33
$0.30
$0.34
·
$0.30
$0.30
$0.32
·
$0.31
$0.29
·
·
·
Cash Flow / Share
·
$0.52
·
·
·
$0.40
·
·
·
$0.65
·
·
·
·
·
·
Cash / Share
$8.56
$9.76
·
$6.65
$14.59
$19.26
·
$7.82
$15.54
$20.56
·
·
·
·
·
·
Dividend / Share
$0.75
·
$0.78
$0.00
$0.73
·
$0.78
$0.00
$0.73
$0.00
$0.78
$0.00
$0.73
$1.00
$0.78
$0.00
EPS (TTM)
$3.19
$2.76
·
$2.06
$1.79
$1.38
·
$1.45
$1.55
$2.26
·
$3.51
$4.02
$4.29
·
·
Valuation (TTM)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
Revenue TTM
$8M
$8M
·
$8M
$8M
$8M
·
$7M
$7M
$7M
·
$7M
$7M
$7M
·
$7M
Net Income TTM
$20M
$18M
·
$13M
$11M
$9M
·
$9M
$9M
$13M
·
$21M
$24M
$26M
·
$22M
Market Cap
$231M
$232M
·
$187M
$173M
$169M
·
$190M
$180M
$197M
·
$148M
·
$185M
·
$201M
P/E
11.4
13.2
·
14.3
15.2
19.3
·
20.6
18.2
14.8
·
7.1
7.3
7.3
·
·
P/S
27.3
28.2
·
23.5
22.3
22.1
·
26.0
24.8
27.6
·
20.8
·
26.0
·
28.7
P/B
1.2
1.2
·
1.0
1.0
1.0
·
1.1
1.2
1.4
·
1.3
·
1.4
·
1.8
P / Tangible Book
1.3
1.3
·
1.1
1.1
1.1
·
1.2
1.3
1.5
·
1.3
·
1.5
·
1.9
P / Cash Flow
·
70.3
·
·
·
66.0
·
·
·
51.3
·
·
·
42.8
·
·
Dividend Yield
·
·
·
·
5.3%
5.5%
·
4.7%
5.0%
4.5%
·
10.1%
·
8.0%
·
4.4%
Earnings Yield
8.8%
7.6%
·
7.0%
6.6%
5.2%
·
4.9%
5.5%
6.8%
·
14.0%
13.8%
13.6%
·
·
Payout Ratio
·
·
·
·
·
·
·
·
·
0.00%
·
·
·
130.0%
·
·
Annual Payout
·
·
·
·
$9M
$9M
·
$9M
$9M
$9M
·
$15M
$15M
$15M
·
$9M
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
2023-12-31
2022-12-31
2021-12-31
Revenue
$8M
$7M
$7M
$7M
$7M
Net Income
$16M
$8M
$16M
$26M
$20M
Diluted EPS
$2.49
$1.24
$2.66
$4.33
·
No data for this statement
Not enough fundamentals data to build this statement yet.
Metric
2025-12-31
2024-12-31
2023-12-31
2022-12-31
2021-12-31
Free Cash Flow
$15M
$6M
$14M
$28M
$23M
Institutional owners (13F)
101 filers
· $89.0M total
· As of Sept. 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.
Holders101
Value held$89.0M
New positions19
Exited positions13
Institutional activity — Q2 2026 vs prior quarter
New positions
Exited positions
Increased
Decreased
Net shares change
19 (+2 vs prior Q)
13 (+9 vs prior Q)
38 (+14 vs prior Q)
15 (-5 vs prior Q)
-35K
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.