Earnings History
EPS actual vs estimate, surprise %, beat rate, next earnings date
14
Avg Surprise-5.0%
Next ReportOct 19, 2026
Period
Report
EPS Actual
EPS Est
Surprise
June 30, 2026
Jul 20, 2026
$0.60
$0.68
-12.3%
March 31, 2026
$0.62
$0.63
-1.8%
Dec. 31, 2025
$0.52
$0.62
-15.5%
Sept. 30, 2025
$0.57
$0.60
-4.3%
June 30, 2025
$0.51
$0.53
-2.9%
March 31, 2025
$0.49
$0.46
6.6%
Full Fundamentals
All metrics by year — income statement, balance sheet, cash flow
15
Income Statement8
Metric
Trend
2025
2024
2023
Interest Income
$380M
$318M
$267M
Pretax Income
$110M
$73M
$45M
Income Tax
$27M
$18M
$11M
Net Income
$83M
$55M
$34M
EPS (Basic)
$2.14
$1.83
$0.94
EPS (Diluted)
$2.11
$1.83
$0.93
Shares (Basic)
33,432,895
25,759,938
25,729,227
Shares (Diluted)
33,863,189
25,822,496
25,795,481
Balance Sheet14
Metric
Trend
2025
2024
2023
Cash & Equivalents
$496M
$376M
$352M
PP&E (Net)
$28M
$27M
$29M
PP&E (Gross)
$40M
$42M
$41M
Accum. Depreciation
$13M
$14M
$12M
Intangibles
$2M
$2M
$5M
Total Assets
$7.02B
$5.22B
$4.76B
Deferred Tax
$4M
$3M
$24M
Total Liabilities
$6.45B
$4.76B
$4.33B
Paid-in Capital
$205M
$167M
$180M
Retained Earnings
$364M
$296M
$251M
AOCI
$-199.0K
$-324.0K
$-801.0K
Stockholders' Equity
$569M
$462M
$431M
Liabilities + Equity
$7.02B
$5.22B
$4.76B
Shares Outstanding
34,494,116
25,684,560
25,689,560
Cash Flow13
Metric
Trend
2025
2024
2023
Deferred Tax
$272.0K
$-21M
$-2M
Amort. of Intangibles
$586.0K
$973.0K
$1M
Operating Cash Flow
$44M
$20M
$504M
CapEx
$3M
$1M
$3M
Investing Cash Flow
$-1.63B
$-458M
$-751M
Stock Issued
$114M
$0
·
Stock Repurchased
$0
$770.0K
$616.0K
Net Stock Activity
$114M
$-770.0K
·
Dividends Paid
$3M
$3M
$3M
Financing Cash Flow
$1.71B
$463M
$324M
Net Change in Cash
$120M
$24M
$78M
Taxes Paid
$29M
$43M
·
Free Cash Flow
$42M
$19M
·
Profitability4
Metric
Trend
2025
2024
2023
Net Margin
34.5%
29.5%
·
Pretax Margin
45.7%
38.9%
·
ROA
1.4%
1.0%
·
ROE
14.2%
12.0%
·
Efficiency1
Metric
Trend
2025
2024
2023
Asset Turnover
0.0
0.0
·
Per Share6
Metric
Trend
2025
2024
2023
Book Value / Share
$16.50
$18.01
·
Revenue / Share
$7.14
$7.25
·
Cash Flow / Share
$1.31
$0.77
·
Cash / Share
$14.39
$14.65
·
Dividend / Share
$0.10
$0.10
$0.10
EPS (TTM)
$2.11
$1.83
·
Growth Rates3
Metric
Trend
2025
2024
2023
Revenue YoY
29.2%
-4.7%
·
EPS YoY
15.3%
96.8%
·
Net Income YoY
51.2%
63.4%
·
Valuation (TTM)13
Metric
Trend
2025
2024
2023
Revenue TTM
$242M
$187M
·
Net Income TTM
$83M
$55M
·
Market Cap
$579M
·
·
P/E
8.0
·
·
P/S
2.4
·
·
P/B
1.0
·
·
P / Tangible Book
1.0
·
·
P / Cash Flow
13.1
·
·
P / FCF
13.9
·
·
Dividend Yield
0.56%
·
·
Earnings Yield
12.6%
·
·
Payout Ratio
3.9%
4.7%
·
Annual Payout
$3M
$3M
·
Income Statement8
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Q1 2024
Interest Income
$107M
$102M
$106M
$102M
$93M
$79M
$83M
$83M
$79M
$73M
Pretax Income
$29M
$29M
$32M
$29M
$27M
$23M
$15M
$25M
$17M
$16M
Income Tax
$7M
$7M
$8M
$7M
$6M
$5M
$4M
$6M
$4M
$4M
Net Income
$22M
$22M
$24M
$22M
$20M
$17M
$11M
$19M
$13M
$12M
EPS (Basic)
$0.61
$0.63
$0.54
$0.58
$0.52
$0.50
$0.34
$0.67
$0.44
$0.38
EPS (Diluted)
$0.60
$0.62
$0.54
$0.57
$0.51
$0.49
$0.35
$0.66
$0.44
$0.38
Shares (Basic)
34,740,412
34,702,246
·
34,602,289
34,574,086
29,871,001
·
25,689,560
25,689,560
25,689,560
Shares (Diluted)
35,416,828
35,260,806
·
35,337,136
35,218,962
30,448,848
·
25,756,431
25,756,431
25,756,431
Balance Sheet14
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Q1 2024
Cash & Equivalents
$538M
$488M
$496M
$419M
$416M
$321M
$376M
·
·
·
PP&E (Net)
$27M
$27M
$28M
$28M
$27M
$27M
$27M
·
·
·
PP&E (Gross)
$41M
$41M
$40M
$44M
$43M
$42M
$42M
·
·
·
Accum. Depreciation
$14M
$13M
$13M
$16M
$16M
$15M
$14M
·
·
·
Intangibles
$1M
$1M
$2M
$2M
$2M
$2M
$2M
·
·
·
Total Assets
$7.53B
$7.40B
$7.02B
$6.84B
$6.43B
$5.86B
$5.22B
·
·
·
Deferred Tax
$5M
$4M
$4M
$3M
$3M
$3M
$3M
·
·
·
Total Liabilities
$6.92B
$6.81B
$6.45B
$6.22B
$5.83B
$5.27B
$4.76B
·
·
·
Paid-in Capital
$206M
$205M
$205M
$277M
$277M
$276M
$167M
·
·
·
Retained Earnings
$406M
$385M
$364M
$347M
$328M
$310M
$296M
·
·
·
AOCI
$-90.0K
$-88.0K
$-199.0K
$-189.0K
$-164.0K
$-310.0K
$-324.0K
·
·
·
Stockholders' Equity
$612M
$590M
$569M
$624M
$604M
$587M
$462M
·
·
·
Liabilities + Equity
$7.53B
$7.40B
$7.02B
$6.84B
$6.43B
$5.86B
$5.22B
·
·
·
Shares Outstanding
34,581,842
34,494,116
34,494,116
34,364,659
34,364,659
34,315,099
25,684,560
·
·
·
Cash Flow12
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Q1 2024
Deferred Tax
$529.0K
$288.0K
$1M
$-482.0K
$165.0K
$-551.0K
$-927.0K
$-1M
$-19M
$0
Amort. of Intangibles
$147.0K
$146.0K
$147.0K
$146.0K
$147.0K
$146.0K
$243.0K
$244.0K
$243.0K
$243.0K
Operating Cash Flow
$4M
$38M
$-28M
$90M
$-72M
$54M
$10M
$45M
$-34M
$-939.0K
CapEx
$162.0K
$417.0K
$508.0K
$794.0K
$1M
$322.0K
$90.0K
$438.0K
$-33.0K
$557.0K
Investing Cash Flow
$-66M
$-389M
$-55M
$-474M
$-386M
$-716M
$87M
$-172M
$-185M
$-189M
Stock Issued
$0
$0
$1.0K
$0
$-294.0K
$114M
$0
$0
$0
$0
Net Stock Activity
·
$0
·
·
·
$114M
·
·
·
·
Dividends Paid
$866.0K
$861.0K
$859.0K
$860.0K
$859.0K
$641.0K
$643.0K
$645.0K
$638.0K
$643.0K
Financing Cash Flow
$113M
$342M
$160M
$387M
$552M
$606M
$-161M
$214M
$327M
$82M
Net Change in Cash
$51M
$-9M
$77M
$4M
$94M
$-55M
$-64M
$87M
$109M
$-107M
Taxes Paid
$6M
$290.0K
·
·
$13M
$93.0K
·
·
·
·
Free Cash Flow
·
$37M
·
·
·
$54M
·
·
·
·
Profitability4
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Q1 2024
Net Margin
33.8%
34.9%
·
34.4%
34.5%
32.4%
·
·
·
·
Pretax Margin
44.9%
46.4%
·
45.3%
45.2%
42.4%
·
·
·
·
ROA
0.31%
0.33%
·
0.65%
0.63%
0.59%
·
·
·
·
ROE
3.6%
3.8%
·
7.1%
6.7%
5.9%
·
·
·
·
Efficiency1
Metric
Trend
Q2 2026
Q1 2026
Q4 2025
Q3 2025
Q2 2025
Q1 2025
Q4 2024
Q3 2024
Q2 2024
Q1 2024
Asset Turnover
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
Book Value / Share
$17.69
$17.10
·
$18.14
$17.58
$17.09
·
·
·
·
Revenue / Share
$1.82
$1.80
·
$1.82
$1.67
$1.75
·
·
·
·
Cash Flow / Share
·
$1.07
·
·
·
$1.79
·
·
·
·
Cash / Share
$15.57
$14.14
·
$12.20
$12.10
$9.37
·
·
·
·
Dividend / Share
$0.03
$0.03
$0.03
$0.03
$0.03
$0.03
$0.03
$0.03
$0.03
$0.03
EPS (TTM)
$2.33
$2.24
·
$1.92
$2.01
$1.94
·
·
·
·
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
Revenue TTM
$257M
$252M
·
$220M
$210M
$197M
·
·
·
·
Net Income TTM
$90M
$88M
·
$71M
$67M
$60M
·
·
·
·
Market Cap
$663M
$595M
·
$587M
$471M
$496M
·
·
·
·
P/E
8.2
7.7
·
8.9
6.8
7.4
·
·
·
·
P/S
2.6
2.4
·
2.7
2.2
2.5
·
·
·
·
P/B
1.1
1.0
·
0.9
0.8
0.8
·
·
·
·
P / Tangible Book
1.1
1.0
·
0.9
0.8
0.8
·
·
·
·
P / Cash Flow
·
15.8
·
·
·
9.1
·
·
·
·
Dividend Yield
0.52%
0.58%
·
0.51%
0.59%
0.52%
·
·
·
·
Earnings Yield
12.2%
13.0%
·
11.2%
14.7%
13.4%
·
·
·
·
Payout Ratio
·
3.9%
·
·
·
3.7%
·
·
·
·
Annual Payout
$3M
$3M
·
$3M
$3M
$3M
·
·
·
·
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
2025-06-30
2025-03-31
2024-12-31
2024-09-30
Net Income
$83M
·
·
$55M
·
Diluted EPS
$2.11
·
·
$1.83
·
No data for this statement
Not enough fundamentals data to build this statement yet.
Metric
2025-12-31
2025-06-30
2025-03-31
2024-12-31
2024-09-30
Free Cash Flow
$42M
·
·
$19M
·
Institutional owners (13F)
124 filers
· $436.9M 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.
Holders124
Value held$436.9M
New positions20
Exited positions11
Institutional activity — Q2 2026 vs prior quarter
New positions
Exited positions
Increased
Decreased
Net shares change
20 (-12 vs prior Q)
11 (-1 vs prior Q)
45 (0 vs prior Q)
43 (+20 vs prior Q)
-127K
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.