PFIS Peoples Financial Services Corp. - Common Stock
$70.85
Price · Aug 19, 2026
Fundamentals as of Aug 7, 2026
52W Range
$44–$73
92% of range
Analyst Rating
HOLD
7 analysts
Price Target
$74
+4% upside
P/E (TTM)
12.0
ROE
11.7%
Net Profit Margin
31.5%
PFIS Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$70.85
Market Cap
$708M
P/E (TTM)
12.0
EPS (TTM)
$5.88
Revenue (TTM)
—
Div Yield
3.5%
ROE
11.7%
Debt/Equity
0.1
52W Range
$44 – $73
PFIS Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$5.88
2016-12-31
→
2025-12-31
Free Cash Flow
$43M
2016-12-31
→
2025-12-31
Margins
31.5%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
PFIS
Peer Median
P/E (TTM)
12.0
12.7
P/S (TTM)
3.8
2.9
P/B
1.4
1.2
Price / FCF
16.3
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
PFIS
Peer Median
Net Profit Margin
31.5%
27.1%
ROA
1.1%
1.1%
ROE
11.7%
10.5%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
PFIS
Peer Median
Debt / Equity
0.1
5.0
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
PFIS
Peer Median
Revenue YoY
39.7%
—
Revenue CAGR 3Y
20.4%
—
Revenue CAGR 5Y
14.2%
—
EPS YoY
493.9%
—
Net Income YoY
596.5%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
PFIS
Peer Median
Payout Ratio
41.6%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
3.5%
Payout Ratio
41.6%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| May 29, 2026 | $0.6250 |
| Feb. 27, 2026 | $0.6250 |
| Nov. 28, 2025 | $0.6180 |
| Aug. 29, 2025 | $0.6180 |
| May 30, 2025 | $0.6180 |
| Feb. 28, 2025 | $0.6180 |
| Nov. 29, 2024 | $0.6180 |
| Aug. 30, 2024 | $0.6180 |
| May 31, 2024 | $0.4100 |
| Feb. 28, 2024 | $0.4100 |
| Nov. 29, 2023 | $0.4100 |
| Aug. 30, 2023 | $0.4100 |
| May 30, 2023 | $0.4100 |
| Feb. 27, 2023 | $0.4100 |
| Nov. 29, 2022 | $0.4000 |
| Aug. 30, 2022 | $0.4000 |
| May 27, 2022 | $0.3900 |
| Feb. 25, 2022 | $0.3900 |
| Nov. 29, 2021 | $0.3800 |
| Aug. 30, 2021 | $0.3800 |
PFIS Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
SELL
7 analysts
- Strong Buy 0 0.0%
- Buy 0 0.0%
- Hold 4 57.1%
- Sell 1 14.3%
- Strong Sell 2 28.6%
12-Month Price Target
2 analysts · 2026-08-15
Median
$73.50
← Below all targets
$70.85
Low
$72.00
High
$75.00
Median target
$73.50
+3.7%
Mean target
$73.50
+3.7%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.04%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $1.48 | $1.67 | -0.19% |
| March 31, 2026 | $1.43 | $1.55 | -0.12% |
| Dec. 31, 2025 | $1.36 | $1.55 | -0.19% |
| Sept. 30, 2025 | $1.51 | $1.57 | -0.06% |
| June 30, 2025 | $1.69 | $1.51 | 0.18% |
| March 31, 2025 | $1.51 | $1.35 | 0.16% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| PFIS | $487M | 8.3 | 39.7% | 31.5% | 11.7% | — |
| SHBI | $591M | 9.9 | -0.27% | 285.4% | 10.3% | — |
| WASH | $562M | 10.9 | 127.6% | 22.8% | 9.8% | — |
| TCBX | $528M | 10.0 | 21.9% | 31.7% | 12.9% | — |
| CCB | $1.73B | 37.4 | -6.8% | 8.7% | 9.9% | — |
| AROW | — | 11.8 | 17.6% | — | — | — |
| CWBC | $431M | 11.2 | 25.6% | 26.0% | 9.7% | — |
| BCAL | $605M | 9.7 | 41.0% | 35.0% | 11.2% | — |
| CARE | $434M | 14.2 | 4.7% | 154.4% | 7.6% | — |
| MSBI | — | — | — | — | — | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $63M | $16M | $9M | $14M | $18M | $13M | $9M | $7M | $6M | $7M | |
| Interest Income | $260M | $211M | $150M | $111M | $94M | $94M | $93M | $85M | $74M | $69M | $63M | $64M | |
| Pretax Income | $72M | $8M | $33M | $45M | $54M | $34M | $29M | $28M | $27M | $25M | $22M | $23M | |
| Income Tax | $13M | $-30.0K | $5M | $7M | $10M | $5M | $3M | $3M | $8M | $5M | $5M | $5M | |
| Net Income | $59M | $8M | $27M | $38M | $44M | $29M | $26M | $25M | $18M | $20M | $18M | $18M | |
| EPS (Basic) | $5.92 | $1.00 | $3.85 | $5.31 | $6.05 | $4.02 | $3.48 | $3.37 | $2.50 | $2.65 | $2.36 | $2.34 | |
| EPS (Diluted) | $5.88 | $0.99 | $3.83 | $5.28 | $6.02 | $4.00 | $3.47 | $3.37 | $2.50 | $2.65 | $2.36 | $2.34 | |
| Shares (Diluted) | 10,073,996 | 8,586,035 | 7,151,471 | 7,211,643 | 7,235,303 | 7,337,843 | 7,412,369 | 7,402,900 | 7,395,837 | 7,396,716 | 7,516,451 | 7,561,982 | |
| EBITDA | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $2M |
Balance Sheet 18
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | · | · | · | · | $37M | $40M | $33M | $31M | |
| PP&E (Net) | $78M | $73M | $61M | $56M | $52M | $47M | $48M | $39M | $38M | $33M | $28M | $25M | |
| PP&E (Gross) | $126M | $126M | $100M | $92M | $85M | $78M | $77M | $65M | $62M | $55M | $49M | $45M | |
| Accum. Depreciation | $48M | $53M | $39M | $36M | $34M | $31M | $29M | $26M | $24M | $22M | $20M | $19M | |
| Goodwill | $76M | $76M | $63M | $63M | $63M | $63M | $63M | $63M | $63M | $63M | $63M | $63M | |
| Intangibles | $28M | $34M | · | $105.0K | $468.0K | $960.0K | $2M | $2M | · | · | · | · | |
| Other Non-current Assets | $4M | $5M | $2M | $3M | $6M | $6M | $7M | $8M | $9M | $10M | $14M | $14M | |
| Total Assets | $5.27B | $5.09B | $3.74B | $3.55B | $3.37B | $2.88B | $2.48B | $2.29B | $2.17B | $2.00B | $1.82B | $1.74B | |
| Short-term Debt | $33M | $16M | $18M | $115M | $0 | $50M | $152M | $86M | $124M | $83M | $38M | $20M | |
| Total Liabilities | $4.75B | $4.62B | $3.40B | $3.24B | $3.03B | $2.57B | $2.18B | $2.01B | $1.90B | $1.74B | $1.57B | $1.49B | |
| Long-term Debt | · | · | · | · | · | · | $33M | $38M | $50M | $58M | $60M | $33M | |
| Total Debt | $33M | $16M | $18M | $115M | · | $50M | $152M | $86M | $124M | $83M | $38M | $20M | |
| Common Stock | $20M | $20M | $14M | $14M | $14M | $14M | $15M | $15M | $15M | $15M | $15M | $15M | |
| Retained Earnings | $274M | $239M | $249M | $231M | $204M | $171M | $152M | $137M | $121M | $111M | $101M | $92M | |
| AOCI | $-25M | $-41M | $-44M | $-56M | $-6M | $2M | $-3M | $-8M | $-6M | $-4M | $-2M | $-829.0K | |
| Stockholders' Equity | $520M | $469M | $340M | $315M | $340M | $317M | $299M | $279M | $265M | $257M | $249M | $247M | |
| Liabilities + Equity | $5.27B | $5.09B | $3.74B | $3.55B | $3.37B | $2.88B | $2.48B | $2.29B | $2.17B | $2.00B | $1.82B | $1.74B | |
| Shares Outstanding | 9,994,595 | 9,990,724 | 7,040,852 | 7,158,017 | 7,169,372 | 7,215,202 | 7,388,480 | 7,399,054 | 7,396,505 | 7,394,143 | 7,410,606 | 7,548,358 |
Cash Flow 18
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $2M | |
| Stock-based Comp | $348.0K | $786.0K | $888.0K | $534.0K | $546.0K | $570.0K | $554.0K | $272.0K | $177.0K | $71.0K | $69.0K | $70.0K | |
| Deferred Tax | $5M | $-4M | $1M | $611.0K | $450.0K | $-2M | $394.0K | $-681.0K | $2M | $-1M | $-841.0K | $1M | |
| Amort. of Intangibles | $6M | $3M | $105.0K | $363.0K | $491.0K | $606.0K | $730.0K | $881.0K | $1M | $1M | $1M | $1M | |
| Other Non-cash | $-13M | $25M | $922.0K | $34.0K | $-6M | $6M | $7M | $6M | $6M | $8M | $10M | $26.0K | |
| Operating Cash Flow | $54M | $35M | $33M | $42M | $41M | $37M | $37M | $33M | $29M | $28M | $29M | $24M | |
| CapEx | $11M | $3M | $6M | $8M | $5M | $2M | $6M | $4M | $6M | $7M | $4M | $1M | |
| Investing Cash Flow | $-24M | $386M | $-26M | $-468M | $-440M | $-201M | $-185M | $-135M | $-185M | $-186M | $-89M | · | |
| Debt Issued | $76M | · | $25M | · | · | · | $16M | · | · | · | $30M | · | |
| Net Debt Issued | $35M | $-23M | $24M | $-2M | $-12M | $-18M | $-5M | $-12M | $-8M | $-2M | $27M | $-4M | |
| Stock Repurchased | · | · | · | · | · | · | · | · | · | · | · | $70.0K | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | · | · | $-70.0K | |
| Dividends Paid | $25M | $18M | $12M | $11M | $11M | $11M | $10M | $10M | $9M | $9M | $9M | $9M | |
| Financing Cash Flow | $103M | $-473M | $142M | $183M | $451M | $361M | $146M | $97M | $154M | $165M | $62M | · | |
| Net Change in Cash | $133M | $-52M | $149M | $-242M | $52M | $197M | $-1M | $-5M | $-2M | $7M | $1M | $-20M | |
| Taxes Paid | $8M | $2M | $3M | $10M | $7M | $6M | $5M | $3M | $6M | $6M | $4M | $5M | |
| Free Cash Flow | $43M | $31M | $27M | $35M | $36M | $35M | $31M | $29M | $22M | $21M | $24M | $19M | |
| Levered FCF | · | · | $-26M | $21M | $28M | $23M | $16M | $17M | $16M | $16M | $19M | $14M |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 31.5% | 6.3% | 27.1% | 35.4% | 39.5% | 30.4% | 28.4% | 29.3% | 22.3% | 25.2% | 24.4% | 24.3% | |
| Pretax Margin | 38.5% | 6.3% | 32.2% | 42.2% | 48.5% | 35.4% | 31.9% | 33.3% | 32.2% | 31.7% | 30.6% | 31.8% | |
| EBITDA Margin | 1.8% | 2.5% | 2.8% | 2.9% | 2.5% | 3.0% | 3.4% | 2.7% | 2.4% | 2.1% | 2.2% | 2.3% | |
| ROA | 1.1% | 0.19% | 0.75% | 1.1% | 1.4% | 1.1% | 1.1% | 1.1% | 0.89% | 1.0% | 1.0% | 1.0% | |
| ROE | 11.7% | 1.8% | 8.2% | 12.3% | 13.0% | 9.3% | 8.6% | 9.0% | 7.0% | 7.6% | 7.1% | 7.2% |
Liquidity & Solvency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.0 | 0.1 | 0.4 | · | 0.2 | 0.5 | 0.3 | 0.5 | 0.3 | 0.2 | 0.1 |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 39.7% | 33.1% | -6.2% | -2.4% | 14.3% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 20.4% | 6.8% | 1.5% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 14.2% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 493.9% | -74.2% | -27.5% | -12.3% | 50.5% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 3.6% | -45.2% | -1.4% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 8.0% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 596.5% | -69.0% | -28.1% | -12.5% | 48.3% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 15.8% | -42.0% | -2.3% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 15.1% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 18.6% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $188M | $134M | $101M | $108M | $110M | $96M | $91M | $85M | $83M | $78M | $73M | $73M | |
| Net Income TTM | $59M | $8M | $27M | $38M | $44M | $29M | $26M | $25M | $18M | $20M | $18M | $18M | |
| Market Cap | $487M | $511M | $343M | $371M | $378M | $265M | $372M | $326M | $345M | $360M | $282M | · | |
| Enterprise Value | · | · | · | · | · | · | · | · | $431M | $403M | $288M | · | |
| P/E | 8.3 | 51.7 | 12.7 | 9.8 | 8.8 | 9.2 | 14.5 | 13.1 | 18.6 | 18.4 | 16.1 | 21.2 | |
| P/S | 2.6 | 3.8 | 3.4 | 3.4 | 3.4 | 2.8 | 4.1 | 3.8 | 4.2 | 4.6 | 3.9 | · | |
| P/B | 0.9 | 1.1 | 1.0 | 1.2 | 1.1 | 0.8 | 1.2 | 1.2 | 1.3 | 1.4 | 1.1 | · | |
| P / Tangible Book | 1.2 | 1.4 | 1.2 | 1.5 | 1.4 | 1.1 | · | · | · | · | · | · | |
| P / Cash Flow | 9.0 | 15.1 | 10.3 | 8.8 | 9.3 | 7.1 | 10.0 | 10.0 | 12.0 | 12.8 | 10.0 | · | |
| P / FCF | 11.2 | 16.3 | 12.5 | 10.7 | 10.5 | 7.6 | 11.8 | 11.4 | 15.4 | 16.9 | 11.9 | · | |
| EV / EBITDA | · | · | · | · | · | · | · | · | 220.9 | 242.5 | 180.3 | · | |
| EV / FCF | · | · | · | · | · | · | · | · | 19.3 | 18.9 | 12.1 | · | |
| EV / Revenue | · | · | · | · | · | · | · | · | 5.2 | 5.2 | 4.0 | · | |
| Dividend Yield | 5.1% | 3.5% | 3.4% | 3.0% | 2.9% | 4.0% | 2.7% | 3.0% | 2.7% | 2.5% | 3.3% | · | |
| Earnings Yield | 12.1% | 1.9% | 7.9% | 10.2% | 11.4% | 10.9% | 6.9% | 7.6% | 5.4% | 5.4% | 6.2% | 4.7% | |
| Payout Ratio | 41.6% | 212.9% | 42.6% | 29.7% | 24.8% | 35.8% | 39.4% | 38.9% | 50.5% | 46.8% | 52.6% | 53.0% | |
| Annual Payout | $25M | $18M | $12M | $11M | $11M | $11M | $10M | $10M | $9M | $9M | $9M | $9M |
Income Statement 9
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $20M | · | $17M | $15M | $11M | · | $4M | |
| Interest Income | $68M | $65M | $67M | $65M | $65M | $62M | $66M | $68M | $38M | $39M | $40M | $39M | $37M | $34M | $32M | $29M | |
| Pretax Income | $18M | $19M | $15M | $19M | $20M | $18M | $6M | $-5M | $4M | $4M | $4M | $8M | $11M | $9M | $11M | $12M | |
| Income Tax | $4M | $4M | $3M | $4M | $3M | $3M | $-272.0K | $-657.0K | $421.0K | $478.0K | $587.0K | $1M | $2M | $1M | $2M | $2M | |
| Net Income | $15M | $15M | $12M | $15M | $17M | $15M | $6M | $-4M | $3M | $3M | $4M | $7M | $9M | $8M | $9M | $10M | |
| EPS (Basic) | $1.48 | $1.47 | $1.19 | $1.53 | $1.70 | $1.50 | $0.47 | $-0.43 | $0.47 | $0.49 | $0.52 | $0.95 | $1.32 | $1.06 | $1.28 | $1.39 | |
| EPS (Diluted) | $1.48 | $1.47 | $1.20 | $1.51 | $1.68 | $1.49 | $0.47 | $-0.43 | $0.46 | $0.49 | $0.52 | $0.95 | $1.31 | $1.05 | $1.27 | $1.38 | |
| Shares (Diluted) | 10,036,037 | 10,029,213 | -20,138,365 | 10,086,915 | 10,082,260 | 10,043,186 | -15,674,641 | 10,044,449 | 7,114,115 | 7,102,112 | -14,346,099 | 7,120,685 | 7,177,915 | 7,198,970 | -14,433,290 | 7,213,147 | |
| EBITDA | · | $916.0K | · | · | · | $798.0K | · | · | · | $749.0K | · | · | · | $703.0K | · | · |
Balance Sheet 16
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $80M | $79M | $78M | $77M | $77M | $72M | $73M | $76M | $59M | $59M | · | $62M | $58M | $57M | · | $54M | |
| PP&E (Gross) | · | · | $126M | · | · | · | $126M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $48M | · | · | · | $53M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $76M | $76M | $76M | $76M | $76M | $76M | $76M | $77M | $63M | $63M | · | $63M | $63M | $63M | · | $63M | |
| Intangibles | $25M | $26M | $28M | $29M | $31M | $32M | $34M | $36M | · | · | · | $19.0K | $48.0K | $77.0K | · | · | |
| Other Non-current Assets | $8M | $9M | $4M | $5M | $6M | $6M | $5M | $12M | $3M | $2M | · | $3M | $3M | $11M | · | $8M | |
| Total Assets | $5.44B | $5.42B | $5.27B | $5.16B | $5.11B | $5.00B | $5.09B | $5.36B | $3.62B | $3.67B | · | $3.83B | $3.68B | $3.68B | · | $3.52B | |
| Short-term Debt | $85M | $179M | $33M | $76M | $76M | $15M | $16M | $37M | $104M | $20M | $18M | $27M | $20M | $17M | $115M | $15M | |
| Total Liabilities | $4.90B | $4.90B | $4.75B | $4.65B | $4.61B | $4.52B | $4.62B | $4.89B | $3.28B | $3.33B | · | $3.50B | $3.35B | $3.35B | · | $3.21B | |
| Total Debt | $85M | $179M | · | $76M | $76M | $15M | · | $37M | $104M | $20M | · | $27M | $20M | $17M | · | $15M | |
| Common Stock | $20M | $20M | $20M | $20M | $20M | $20M | $20M | $20M | $14M | $14M | · | $14M | $14M | $14M | · | $14M | |
| Retained Earnings | $291M | $282M | $274M | $268M | $259M | $248M | $239M | $239M | $250M | $249M | · | $248M | $244M | $238M | · | $224M | |
| AOCI | $-26M | $-28M | $-25M | $-29M | $-35M | $-36M | $-41M | $-35M | $-45M | $-45M | · | $-59M | $-52M | $-49M | · | $-64M | |
| Stockholders' Equity | $536M | $526M | $520M | $509M | $494M | $482M | $469M | $475M | $341M | $340M | $340M | $324M | $332M | $329M | $315M | $302M | |
| Liabilities + Equity | $5.44B | $5.42B | $5.27B | $5.16B | $5.11B | $5.00B | $5.09B | $5.36B | $3.62B | $3.67B | · | $3.83B | $3.68B | $3.68B | · | $3.52B | |
| Shares Outstanding | 10,010,367 | 10,010,488 | 9,994,595 | 9,994,595 | 9,994,696 | 9,995,483 | 9,990,724 | 9,994,648 | 7,057,258 | 7,057,258 | · | 7,040,852 | 7,130,409 | 7,150,757 | · | 7,162,750 |
Cash Flow 16
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $922.0K | $916.0K | $884.0K | $823.0K | $812.0K | $798.0K | $975.0K | $896.0K | $726.0K | $749.0K | $743.0K | $650.0K | $698.0K | $703.0K | $1M | $1M | |
| Stock-based Comp | $211.0K | $444.0K | $288.0K | $267.0K | $-19.0K | $-188.0K | $119.0K | $319.0K | $287.0K | $61.0K | $260.0K | $259.0K | $160.0K | $209.0K | $223.0K | $223.0K | |
| Deferred Tax | $-191.0K | $1M | $2M | $0 | $572.0K | $2M | $-1M | $-2M | $-257.0K | $-174.0K | $285.0K | $376.0K | $424.0K | $183.0K | · | · | |
| Amort. of Intangibles | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $0 | $0 | $19.0K | $29.0K | $28.0K | $29.0K | $74.0K | $96.0K | |
| Other Non-cash | · | $-9M | · | · | · | $-8M | · | · | · | $-876.0K | · | · | · | $-4M | · | · | |
| Operating Cash Flow | $14M | $8M | $16M | $15M | $14M | $9M | $8M | $22M | $2M | $3M | $9M | $7M | $13M | $5M | $12M | $11M | |
| CapEx | $2M | $2M | $3M | $2M | $5M | $499.0K | $-2M | $4M | $398.0K | $216.0K | $228.0K | $1M | $2M | $3M | $2M | $3M | |
| Investing Cash Flow | $-89M | $-80M | $-19M | $-40M | $-6M | $41M | $114M | $282M | $-4M | $-5M | $22M | $-25M | $-9M | $-14M | $-106M | $-41M | |
| Debt Issued | $25M | $20M | $27M | $34M | · | · | · | · | · | · | $0 | $0 | $0 | $25M | · | · | |
| Net Debt Issued | · | $367.0K | · | · | · | $-10M | · | · | · | · | · | · | · | $24M | · | · | |
| Dividends Paid | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | |
| Financing Cash Flow | $3M | $132M | $92M | $29M | $91M | $-108M | $-271M | $-68M | $-58M | $-75M | $-98M | $136M | $-8M | $112M | $19M | $95M | |
| Net Change in Cash | $-72M | $60M | $89M | $4M | $99M | $-59M | $-150M | $236M | $-60M | $-77M | $-67M | $118M | $-4M | $103M | $-75M | $65M | |
| Taxes Paid | $4M | $19.0K | $1M | $3M | $4M | $22.0K | $700.0K | $650.0K | $480.0K | $24.0K | $390.0K | $1M | $2M | $47.0K | $3M | $2M | |
| Free Cash Flow | · | $6M | · | · | · | $9M | · | · | · | $3M | · | · | · | $2M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-14M | · | · | · | $-7M | · | · |
Profitability 5
| 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 | 28.4% | 29.6% | · | 32.7% | 35.0% | 32.8% | · | -9.7% | 14.6% | 15.3% | · | 27.0% | 36.8% | 28.4% | · | 35.2% | |
| Pretax Margin | 35.3% | 37.2% | · | 40.4% | 42.1% | 39.9% | · | -11.1% | 16.5% | 17.4% | · | 32.4% | 43.8% | 33.6% | · | 42.1% | |
| EBITDA Margin | · | 1.8% | · | · | · | 1.7% | · | · | · | 3.3% | · | · | · | 2.6% | · | · | |
| ROA | 0.28% | 0.28% | · | 0.29% | 0.39% | 0.35% | · | -0.09% | 0.09% | 0.09% | · | 0.18% | 0.27% | 0.22% | · | 0.30% | |
| ROE | 2.9% | 2.9% | · | 3.1% | 4.1% | 3.6% | · | -1.1% | 0.98% | 1.0% | · | 2.1% | 2.9% | 2.3% | · | 3.2% |
Liquidity & Solvency 1
| 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 | 0.2 | 0.3 | · | 0.1 | 0.2 | 0.0 | · | 0.1 | 0.3 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.0 |
Efficiency 1
| 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 |
Valuation (TTM) 11
| 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 | $197M | $191M | · | $186M | $162M | $136M | · | $115M | $96M | $100M | · | $106M | $108M | $109M | · | $107M | |
| Net Income TTM | $62M | $62M | · | $43M | $31M | $17M | · | $9M | $23M | $27M | · | $34M | $36M | $37M | · | $38M | |
| Market Cap | $664M | $534M | · | $486M | $493M | $444M | · | $469M | $321M | $304M | · | $282M | $312M | $310M | · | $336M | |
| P/E | 10.8 | 8.7 | · | 11.4 | 15.4 | 22.1 | · | 31.9 | 14.2 | 11.3 | · | 8.6 | 8.7 | 8.6 | · | 8.9 | |
| P/S | 3.4 | 2.8 | · | 2.6 | 3.1 | 3.3 | · | 4.1 | 3.4 | 3.0 | · | 2.7 | 2.9 | 2.9 | · | 3.1 | |
| P/B | 1.2 | 1.0 | · | 1.0 | 1.0 | 0.9 | · | 1.0 | 0.9 | 0.9 | · | 0.9 | 0.9 | 0.9 | · | 1.1 | |
| P / Tangible Book | 1.5 | 1.3 | · | 1.2 | 1.3 | 1.2 | · | 1.3 | 1.2 | 1.1 | · | 1.1 | 1.2 | 1.2 | · | 1.4 | |
| P / Cash Flow | · | 64.4 | · | · | · | 49.0 | · | · | · | 94.3 | · | · | · | 68.1 | · | · | |
| P / FCF | · | 82.3 | · | · | · | 51.9 | · | · | · | 101.1 | · | · | · | 151.7 | · | · | |
| Earnings Yield | 9.2% | 11.5% | · | 8.7% | 6.5% | 4.5% | · | 3.1% | 7.0% | 8.8% | · | 11.7% | 11.5% | 11.7% | · | 11.2% | |
| Payout Ratio | · | 42.4% | · | · | · | 41.0% | · | · | · | 83.5% | · | · | · | 38.7% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Net Income | $59M | $8M | $27M | $38M | $44M |
| Diluted EPS | $5.88 | $0.99 | $3.83 | $5.28 | $6.02 |
Balance Sheet
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.0 | 0.1 | 0.4 | — |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $43M | $31M | $27M | $35M | $36M |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
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Institutional owners (13F) 129 filers · $185.0M 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.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 26 (+6 vs prior Q) | 10 (+5 vs prior Q) | 47 (+19 vs prior Q) | 19 (-12 vs prior Q) | +266K |
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 |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $26,757,663 | 403,159 | 14.46% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $21,517,021 | 324,198 | 11.63% | Shares |
| VANGUARD GROUP INC | $21,404,879 | 439,435 | 11.57% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $14,256,002 | 214,739 | 7.71% | Shares |
| STATE STREET CORP | $14,102,032 | 212,476 | 7.62% | Shares |
| AMERICAN CENTURY COMPANIES INC | $13,456,783 | 202,754 | 7.27% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $5,506,586 | 82,968 | 2.98% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $5,231,018 | 78,816 | 2.83% | Shares |
| PEOPLES FINANCIAL SERVICES CORP. | $4,978,514 | 75,023 | 2.69% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $4,113,281 | 61,975 | 2.22% | Shares |
| Empowered Funds, LLC | $3,986,713 | 60,068 | 2.16% | Shares |
| Alliance Wealth Advisors, LLC | $2,982,182 | 44,933 | 1.61% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $2,496,906 | 37,621 | 1.35% | Shares |
| Bank of New York Mellon Corp | $2,378,634 | 35,839 | 1.29% | Shares |
| TWO SIGMA INVESTMENTS, LP | $2,319,233 | 34,944 | 1.25% | Shares |
| FIRST TRUST ADVISORS LP | $2,264,876 | 34,125 | 1.22% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $2,000,392 | 30,140 | 1.08% | Shares |
| Cutler Capital Management, LLC | $1,907,893 | 28,746 | 1.03% | Shares |
| EAGLE WEALTH STRATEGIES LLC | $1,901,832 | 28,655 | 1.03% | Shares |
| Quantinno Capital Management LP | $1,818,273 | 27,396 | 0.98% | Shares |
| PNC Financial Services Group, Inc. | $1,817,542 | 27,385 | 0.98% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,755,155 | 26,445 | 0.95% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,402,666 | 21,134 | 0.76% | Shares |
| CORNERSTONE ADVISORS ASSET MANAGEMENT, LLC | $1,005,705 | 15,153 | 0.54% | Shares |
| LPL Financial LLC | $939,517 | 14,156 | 0.51% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $936,350 | 14,108 | 0.51% | Shares |
| &PARTNERS | $821,699 | 12,381 | 0.44% | Shares |
| CITIGROUP INC | $813,298 | 12,254 | 0.44% | Shares |
| RHUMBLINE ADVISERS | $793,046 | 11,949 | 0.43% | Shares |
| Stone House Investment Management, LLC | $785,305 | 11,832 | 0.42% | Shares |
| Jacobi Capital Management LLC | $760,018 | 11,451 | 0.41% | Shares |
| BERKSHIRE ASSET MANAGEMENT LLC/PA | $742,548 | 11,188 | 0.40% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $600,383 | 9,046 | 0.32% | Shares |
| Riggs Asset Managment Co. Inc. | $589,827 | 8,887 | 0.32% | Shares |
| Focus Partners Wealth | $586,776 | 8,841 | 0.32% | Shares |
| XTX Topco Ltd | $557,508 | 8,400 | 0.30% | Shares |
| WELLS FARGO & COMPANY/MN | $529,433 | 7,977 | 0.29% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $519,014 | 7,820 | 0.28% | Shares |
| GOLDMAN SACHS GROUP INC | $515,761 | 7,771 | 0.28% | Shares |
| BANK OF AMERICA CORP /DE/ | $481,713 | 7,258 | 0.26% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $478,461 | 7,209 | 0.26% | Shares |
| MILLENNIUM MANAGEMENT LLC | $437,246 | 6,588 | 0.24% | Shares |
| HANCOCK WHITNEY CORP | $398,817 | 6,009 | 0.22% | Shares |
| ALLIANCEBERNSTEIN L.P. | $394,642 | 7,400 | 0.21% | Shares |
| Sequoia Financial Advisors, LLC | $392,977 | 5,921 | 0.21% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $390,189 | 5,879 | 0.21% | Shares |
| ExodusPoint Capital Management, LP | $367,756 | 5,541 | 0.20% | Shares |
| LVW Advisors, LLC | $350,633 | 5,283 | 0.19% | Shares |
| WEALTH ENHANCEMENT ADVISORY SERVICES, LLC | $350,236 | 5,265 | 0.19% | Shares |
| MetLife Investment Management, LLC | $346,783 | 5,225 | 0.19% | Shares |
| RBF Capital, LLC | $346,053 | 5,214 | 0.19% | Shares |
| SEIZERT CAPITAL PARTNERS, LLC | $343,398 | 5,174 | 0.19% | Shares |
| Engineers Gate Manager LP | $335,500 | 5,055 | 0.18% | Shares |
| Archer Investment Corp | $331,850 | 5,000 | 0.18% | Shares |
| CANADA PENSION PLAN INVESTMENT BOARD | $318,576 | 4,800 | 0.17% | Shares |
| PRUDENTIAL FINANCIAL INC | $317,249 | 4,780 | 0.17% | Shares |
| Russell Investments Group, Ltd. | $312,071 | 4,702 | 0.17% | Shares |
| Savant Capital, LLC | $299,929 | 5,011 | 0.16% | Shares |
| Sterling Capital Management LLC | $293,687 | 4,425 | 0.16% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $288,710 | 4,350 | 0.16% | Shares |
| FIDELITY D & D BANCORP INC | $280,148 | 4,221 | 0.15% | Shares |
| BlackRock, Inc. | $278,289 | 4,193 | 0.15% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $275,966 | 4,158 | 0.15% | Shares |
| Cetera Investment Advisers | $270,568 | 4,076 | 0.15% | Shares |
| Sabal Trust CO | $267,220 | 6,009 | 0.14% | Shares |
| Shorepoint Capital Partners LLC | $256,020 | 2,342 | 0.14% | Shares |
| Invesco Ltd. | $248,091 | 3,738 | 0.13% | Shares |
| Cresset Asset Management, LLC | $245,436 | 3,698 | 0.13% | Shares |
| Vanguard Global Advisers, LLC | $239,529 | 3,609 | 0.13% | Shares |
| Man Group plc | $233,291 | 3,515 | 0.13% | Shares |
| Creative Planning | $232,826 | 3,508 | 0.13% | Shares |
| Tower Research Capital LLC (TRC) | $216,964 | 3,269 | 0.12% | Shares |
| Waldron Private Wealth LLC | $216,034 | 3,255 | 0.12% | Shares |
| Van Hulzen Asset Management, LLC | $214,907 | 3,238 | 0.12% | Shares |
| IEQ CAPITAL, LLC | $201,367 | 3,034 | 0.11% | Shares |
| Police & Firemen's Retirement System of New Jersey | $188,955 | 2,847 | 0.10% | Shares |
| AMERIPRISE FINANCIAL INC | $187,827 | 2,830 | 0.10% | Shares |
| HOEY INVESTMENTS, INC | $164,001 | 2,471 | 0.09% | Shares |
| MORGAN STANLEY | $129,621 | 1,953 | 0.07% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $117,475 | 1,770 | 0.06% | Shares |
| Nuveen, LLC | $115,417 | 1,739 | 0.06% | Shares |
| NORTHERN TRUST CORP | $99,024 | 1,492 | 0.05% | Shares |
| Nuveen Asset Management, LLC | $89,002 | 1,739 | 0.05% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $87,808 | 1,323 | 0.05% | Shares |
| Farther Finance Advisors, LLC | $84,688 | 1,276 | 0.05% | Shares |
| Community Bank, N.A. | $80,826 | 1,218 | 0.04% | Shares |
| BARCLAYS PLC | $74,932 | 1,129 | 0.04% | Shares |
| NATIONAL BANK OF CANADA /FI/ | $65,984 | 996 | 0.04% | Shares |
| Legal & General Group Plc | $61,127 | 921 | 0.03% | Shares |
| Ameritas Investment Partners, Inc. | $59,799 | 901 | 0.03% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $53,825 | 803 | 0.03% | Shares |
| Versant Capital Management, Inc | $37,433 | 564 | 0.02% | Shares |
| CWM, LLC | $34,878 | 654 | 0.02% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $26,878 | 504 | 0.01% | Shares |
| Arax Advisory Partners | $24,756 | 373 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $19,000 | 290 | 0.01% | Shares |
| GAMMA Investing LLC | $11,150 | 168 | 0.01% | Shares |
| JPMORGAN CHASE & CO | $10,474 | 158 | 0.01% | Shares |
| Integrated Wealth Concepts LLC | $10,088 | 152 | 0.01% | Shares |
| FMR LLC | $10,088 | 152 | 0.01% | Shares |
Company insiders 38 insiders · 19 officers · 20 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Gerard A Champi | CHIEF EXECUTIVE OFFICER | June 26, 2026 A | — | 0 | 0 | $0 |
| Craig W Best | CEO | Feb. 21, 2024 A | 18,444 | 0 | 0 | $0 |
| Alan W Dakey | PRESIDENT & CEO | June 6, 2012 P | 4,670 | 0 | 0 | $0 |
| James M Bone JR | EVP/CHIEF FINANCIAL OFFICER | June 26, 2026 A | — | 0 | 0 | $0 |
| Scott A Seasock | EVP Chief Financial Officer | Feb. 8, 2016 P | 4,990 | 0 | 0 | $0 |
| Thomas P Tulaney | President & Chief Oper Officer | Feb. 21, 2024 A | 20,406 | 0 | 0 | $0 |
| John R Anderson III | EVP/CHIEF OPERATING OFFICER | June 26, 2026 A | 4,894 | 0 | 0 | $0 |
| Amy Vieney | EVP/CHIEF HUMAN RESOURCES OFF | June 26, 2026 A | — | 0 | 0 | $0 |
| Jeffrey A Drobins | EVP/CHIEF LENDING OFFICER | June 26, 2026 A | 4,196 | 0 | 0 | $0 |
| Susan L Hubble | EVP/CHIEF INFORMATION OFFICER | June 26, 2026 A | 2,224 | 0 | 0 | $0 |
| Neal D Koplin | SR EVP/CHIEF BANKING OFFICER | June 26, 2026 A | 8,334 | 0 | 0 | $0 |
| Mary Griffin Cummings | EVP/GENERAL COUNSEL | June 26, 2026 A | — | 0 | 0 | $0 |
| Stephanie A. Westington | EVP/CHIEF ACCOUNTING OFF | June 26, 2026 A | — | 0 | 0 | $0 |
| Timothy Kirtley | EVP/CHIEF RISK OFFICER | June 26, 2026 A | 5,053 | 0 | 0 | $0 |
| Joseph Ferretti | EVP,Northeast Market President | Feb. 27, 2020 A | 1,007 | 0 | 0 | $0 |
| Debra E Dissinger | EVP, Chief Operations Officer | Nov. 6, 2019 S | 8,060 | 0 | 0 | $0 |
| Michael L Jake | EVP, Chief Risk Officer | March 26, 2019 A | 2,772 | 0 | 0 | $0 |
| Stephen N Lawrenson | VICE PRESIDENT | March 12, 2012 P | 2,643 | 0 | 0 | $0 |
| Wayne R Whipple | Officer | Feb. 12, 2004 X | 0 | 0 | 0 | $0 |
| Joseph T Wright JR | Director | Jan. 11, 2024 A | 42,492 | 0 | 0 | $0 |
| Ronald G Kukuchka | Director | Jan. 11, 2024 A | 31,354 | 0 | 0 | $0 |
| Elisa Z Ramirez | Director | Jan. 11, 2024 A | 1,112 | 0 | 0 | $0 |
| William E Aubrey II | Director | Jan. 11, 2024 A | 55,322 | 0 | 0 | $0 |
| Sandra Bodnyk | Director | Jan. 11, 2024 A | 4,907 | 0 | 0 | $0 |
| James B Nicholas | Director | Jan. 11, 2024 A | 24,594 | 0 | 0 | $0 |
| Richard S Lochen JR | Director | Jan. 11, 2024 A | 14,413 | 0 | 0 | $0 |
| George H Stover JR | Director | Dec. 9, 2016 S | 74,312 | 0 | 0 | $0 |
| Joseph G Cesare MD | Director | Nov. 30, 2016 S | 68,874 | 0 | 0 | $0 |
| Frank P Kozik | Director | July 9, 2015 P | 15,881 | 0 | 0 | $0 |
| James G Keisling | Director | April 27, 2015 P | 37,109 | 0 | 0 | $0 |
| Robert W Naismith | Director | Nov. 12, 2014 G | 40,542 | 0 | 0 | $0 |
| Steven Weinberger | Director | June 23, 2014 S | 17,975 | 0 | 0 | $0 |
| Earle A Wootton | Director | Oct. 27, 2011 P | 21,000 | 0 | 0 | $0 |
| Gerald Pennay | Director | Nov. 12, 2004 A | 15,370 | 0 | 0 | $0 |
| Jack Norris | Director | March 1, 2004 X | 0 | 0 | 0 | $0 |
| Thomas F Chamberlain | Director | May 1, 2002 M | 12,339 | 0 | 0 | $0 |
| Russell D Shurtleff | Director | May 1, 1999 M | 15,535 | 0 | 0 | $0 |
| John W Ord | Director | May 1, 1998 M | 67,124 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 35 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 |
|---|---|---|---|---|
| EBIT · Harbor ETF Trust | 0.06% | 128 NS | April 30, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.04% | 20,068 NS | May 31, 2026 | N-PORT |
| GSSC · Goldman Sachs ETF Trust | 0.04% | 6,513 NS | May 31, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.03% | 133,968 NS | May 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.02% | 26,335 NS | April 30, 2026 | N-PORT |
| RSSL · Global X Funds | 0.02% | 4,043 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.01% | 438 NS | May 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 29,268 NS | April 30, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 29,600 NS | April 30, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.01% | 993 NS | May 31, 2026 | N-PORT |
| UWM · ProShares Trust | 0.01% | 343 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.01% | 345 NS | May 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 312 NS | April 30, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 372 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 9 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 17,859 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 779 NS | April 30, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 2,978 NS | May 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 2,246 NS | April 30, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 389 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 2,386 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| IWV · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWN · iShares Trust | — | — | Aug. 17, 2026 | Daily |
| IWO · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWM · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWC · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | — | — | July 13, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | — | — | July 13, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | — | — | July 20, 2026 | Daily |