RM Regional Management Corp. Common Stock
$34.00
Price · Aug 19, 2026
Fundamentals as of Jul 31, 2026
52W Range
$30–$46
23% of range
Analyst Rating
STRONG BUY
12 analysts
Price Target
$44
+29% upside
P/E (TTM)
7.6
ROE
12.1%
Net Profit Margin
6.9%
RM Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$34.00
Market Cap
$325M
P/E (TTM)
7.6
EPS (TTM)
$4.45
Revenue (TTM)
$646M
Div Yield
—
ROE
12.1%
Debt/Equity
—
52W Range
$30 – $46
RM 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
$646M
2017-12-31
→
2025-12-31
EPS
$4.45
2017-12-31
→
2025-12-31
Free Cash Flow
$304M
2017-12-31
→
2025-12-31
Margins
6.9%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
RM
Peer Median
P/E (TTM)
7.6
8.9
P/S (TTM)
0.5
0.9
P/B
0.9
1.0
Price / FCF
1.1
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
RM
Peer Median
Net Profit Margin
6.9%
4.6%
ROA
2.2%
1.1%
ROE
12.1%
6.5%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
RM
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
RM
Peer Median
Revenue YoY
9.7%
—
Revenue CAGR 3Y
8.4%
—
Revenue CAGR 5Y
11.5%
—
EPS YoY
7.5%
—
Net Income YoY
7.7%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
RM
Peer Median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
—
Payout Ratio
—
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| May 20, 2026 | $0.3000 |
| Feb. 19, 2026 | $0.3000 |
| Nov. 25, 2025 | $0.3000 |
| Aug. 20, 2025 | $0.3000 |
| May 21, 2025 | $0.3000 |
| Feb. 20, 2025 | $0.3000 |
| Nov. 21, 2024 | $0.3000 |
| Aug. 21, 2024 | $0.3000 |
| May 21, 2024 | $0.3000 |
| Feb. 21, 2024 | $0.3000 |
| Nov. 21, 2023 | $0.3000 |
| Aug. 22, 2023 | $0.3000 |
| May 23, 2023 | $0.3000 |
| Feb. 21, 2023 | $0.3000 |
| Nov. 22, 2022 | $0.3000 |
| Aug. 23, 2022 | $0.3000 |
| May 24, 2022 | $0.3000 |
| Feb. 22, 2022 | $0.3000 |
| Nov. 23, 2021 | $0.2500 |
| Aug. 24, 2021 | $0.2500 |
RM Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
12 analysts
- Strong Buy 5 41.7%
- Buy 5 41.7%
- Hold 2 16.7%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
3 analysts · 2026-08-14
Median
$43.00
← Below all targets
$34.00
Low
$38.50
High
$50.00
Median target
$43.00
+26.5%
Mean target
$43.83
+28.9%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.06%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.85 | $0.83 | 0.02% |
| March 31, 2026 | $1.18 | $1.00 | 0.18% |
| Dec. 31, 2025 | $1.30 | $1.32 | -0.02% |
| Sept. 30, 2025 | $1.42 | $1.48 | -0.06% |
| June 30, 2025 | $1.03 | $0.75 | 0.28% |
| March 31, 2025 | $0.70 | $0.76 | -0.06% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| RM | $370M | 8.7 | 9.7% | 6.9% | 12.1% | — |
| PRAA | $680M | -2.3 | 7.8% | -25.4% | -28.9% | — |
| NRDS | $966M | 21.2 | 21.7% | 5.8% | 12.7% | — |
| OPFI | — | 10.6 | — | — | 57.7% | — |
| TREE | $731M | 4.9 | 24.1% | 13.5% | 74.7% | 31.5% |
| OPRT | — | 10.0 | -4.5% | — | — | — |
| MFIN | — | — | — | — | — | — |
| CPSS | $204M | 11.7 | 10.4% | 4.5% | 12.5% | — |
| DFDV | — | — | — | — | — | — |
| AXP | $253.79B | 24.1 | 6.4% | 26.2% | 32.9% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $646M | $589M | $551M | $507M | $428M | $374M | $356M | $307M | $272M | $241M | $217M | $205M | |
| SG&A Expense | $258M | $248M | $243M | $223M | $196M | $176M | $157M | $140M | $131M | $119M | $116M | $97M | |
| Operating Expenses | · | · | · | · | · | · | · | · | · | · | · | $181M | |
| Interest Expense | · | · | · | · | $31M | $38M | $40M | $33M | $24M | $20M | $16M | $15M | |
| Interest Income | $538M | $491M | $455M | $417M | $383M | $335M | $321M | $280M | $249M | $221M | $196M | $185M | |
| Pretax Income | $58M | $54M | $21M | $65M | $112M | $36M | $59M | $46M | $40M | $39M | $38M | $24M | |
| Income Tax | $13M | $13M | $5M | $14M | $24M | $9M | $14M | $11M | $10M | $15M | $15M | $9M | |
| Net Income | $44M | $41M | $16M | $51M | $89M | $27M | $45M | $35M | $30M | $24M | $23M | $15M | |
| EPS (Basic) | $4.71 | $4.28 | $1.70 | $5.51 | $8.84 | $2.45 | $3.92 | $3.03 | $2.59 | $2.03 | $1.82 | $1.17 | |
| EPS (Diluted) | $4.45 | $4.14 | $1.66 | $5.30 | $8.33 | $2.40 | $3.80 | $2.93 | $2.54 | $1.99 | $1.79 | $1.14 | |
| Shares (Basic) | 9,428,000 | 9,640,000 | 9,398,000 | 9,296,000 | 10,034,000 | 10,930,000 | 11,401,000 | 11,655,000 | 11,551,000 | 11,824,000 | 12,849,000 | 12,701,000 | |
| Shares (Diluted) | 9,984,000 | 9,957,000 | 9,593,000 | 9,656,000 | 10,643,000 | 11,145,000 | 11,773,000 | 12,078,000 | 11,783,000 | 12,085,000 | 13,074,000 | 12,951,000 | |
| EBITDA | $16M | $14M | · | $13M | $12M | $13M | $11M | $9M | $7M | $6M | $4M | $4M |
Balance Sheet 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $4M | $4M | $5M | $4M | $11M | $8M | $2M | $4M | $5M | $4M | $8M | $4M | |
| PP&E (Net) | $13M | $14M | $14M | $15M | $13M | $14M | $15M | $14M | $12M | $12M | $9M | $9M | |
| PP&E (Gross) | $48M | $46M | $44M | $42M | $38M | $38M | $37M | $34M | $29M | $28M | $23M | $23M | |
| Accum. Depreciation | $35M | $33M | $30M | $28M | $25M | $24M | $22M | $20M | $17M | $17M | $14M | $14M | |
| Goodwill | · | · | · | $716.0K | $716.0K | $716.0K | $716.0K | $716.0K | $716.0K | $716.0K | $716.0K | $716.0K | |
| Intangibles | $32M | $25M | $16M | $12M | $9M | $8M | $9M | $9M | $10M | $6M | $2M | $847.0K | |
| Total Assets | $2.10B | $1.91B | $1.79B | $1.72B | $1.46B | $1.10B | $1.16B | $956M | $829M | $712M | $626M | $530M | |
| Deferred Tax | $3M | · | · | · | · | · | · | $747.0K | $5M | · | · | · | |
| Total Liabilities | $1.73B | $1.55B | $1.47B | $1.42B | $1.18B | $832M | $856M | $677M | $590M | $505M | $421M | $352M | |
| Long-term Debt | $1.64B | $1.47B | $1.40B | $1.35B | $1.10B | $762M | $799M | $651M | $567M | $490M | $408M | $341M | |
| Common Stock | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Retained Earnings | $411M | $378M | $350M | $346M | $306M | $227M | $249M | $204M | $169M | $139M | $115M | $91M | |
| Treasury Stock | $178M | $154M | $150M | $150M | $130M | $62M | $50M | $25M | $25M | $25M | · | · | |
| AOCI | $-2.0K | $62.0K | $-372.0K | $-586.0K | · | · | · | · | · | · | · | · | |
| Stockholders' Equity | $373M | $357M | $322M | $309M | $283M | $272M | $303M | $279M | $239M | $207M | $205M | $178M | |
| Liabilities + Equity | $2.10B | $1.91B | $1.79B | $1.72B | $1.46B | $1.10B | $1.16B | $956M | $829M | $712M | $626M | $530M | |
| Shares Outstanding | 9,554,000 | 10,010,000 | 9,759,000 | 9,523,000 | 9,788,000 | 10,932,000 | 11,013,000 | 11,777,000 | 11,659,000 | 11,450,000 | 12,914,000 | 12,748,000 |
Cash Flow 15
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $16M | $14M | $15M | $13M | $12M | $13M | $11M | $9M | $7M | $6M | $4M | $4M | |
| Stock-based Comp | $12M | $11M | $12M | $11M | $7M | $6M | $5M | $5M | $4M | $4M | $4M | $2M | |
| Deferred Tax | $13M | $4M | $112.0K | $5M | $-4M | $676.0K | $-1M | $-4M | $5M | $2M | $-122.0K | $-5M | |
| Amort. of Intangibles | $6M | $4M | $4M | $3M | $2M | $2M | $2M | $2.0K | $2M | $2M | $800.0K | $1M | |
| Other Non-cash | $224M | $198M | · | $145M | $86M | $126M | $106M | $99M | $69M | $63M | $52M | $69M | |
| Operating Cash Flow | $309M | $269M | $249M | $224M | $189M | $165M | $158M | $146M | $115M | $100M | $83M | $86M | |
| CapEx | $5M | $5M | $5M | $6M | $4M | $4M | $6M | $5M | $5M | $6M | $3M | $3M | |
| Investing Cash Flow | $-471M | $-315M | $-279M | $-447M | $-355M | $-92M | $-269M | $-199M | $-180M | $-160M | · | · | |
| Stock Repurchased | $24M | $4M | · | $21M | $67M | $12M | $25M | · | · | $25M | · | · | |
| Net Stock Activity | $-24M | $-4M | · | $-21M | $-67M | $-12M | $-25M | · | · | $-25M | · | · | |
| Financing Cash Flow | $124M | $53M | $26M | $206M | $243M | $-58M | $117M | $81M | $74M | $54M | · | · | |
| Net Change in Cash | $-38M | $7M | $-3M | $-17M | $77M | $15M | $6M | $28M | $9M | $-5M | $4M | $-109.0K | |
| Taxes Paid | $6M | $3M | $3M | $27M | $23M | $7M | $15M | $4M | $16M | $13M | $12M | $15M | |
| Free Cash Flow | $304M | $264M | · | $218M | $185M | $168M | $159M | $141M | $111M | $93M | $78M | $81M | |
| Levered FCF | · | · | · | · | $161M | $140M | $129M | $115M | $93M | $81M | $68M | $72M |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 6.9% | 7.0% | · | 10.1% | 20.7% | 7.1% | 12.6% | 11.5% | 11.0% | 10.0% | 10.8% | 7.2% | |
| Pretax Margin | 8.9% | 9.2% | · | 12.9% | 26.3% | 9.6% | 16.6% | 15.0% | 14.8% | 16.2% | 17.5% | 11.7% | |
| EBITDA Margin | 2.5% | 2.4% | · | 2.5% | 2.7% | 3.6% | 3.0% | 2.9% | 2.7% | 2.7% | 1.7% | 1.8% | |
| ROA | 2.2% | 2.2% | · | 3.2% | 6.9% | 2.4% | 4.2% | 4.0% | 3.9% | 3.6% | 4.0% | 2.8% | |
| ROE | 12.1% | 11.6% | · | 16.6% | 31.7% | 9.8% | 14.9% | 12.9% | 13.4% | 11.7% | 12.2% | 8.7% |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.3 | 0.3 | · | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.4 | 0.4 |
Growth Rates 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 9.7% | 6.7% | 8.7% | 18.4% | 14.6% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 8.4% | 11.2% | 13.8% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 11.5% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 7.5% | 149.4% | -68.7% | -36.4% | 247.1% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | -5.7% | -20.8% | -11.6% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 13.1% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 7.7% | 158.3% | -68.8% | -42.2% | 231.8% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | -4.7% | -22.5% | -15.8% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 10.7% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $646M | $589M | $551M | $507M | $428M | $374M | $356M | $307M | $272M | $241M | $217M | $205M | |
| Net Income TTM | $44M | $41M | $16M | $51M | $89M | $27M | $45M | $35M | $30M | $24M | $23M | $15M | |
| Market Cap | $370M | $340M | · | $267M | $562M | $326M | $331M | $283M | $307M | $301M | $200M | $202M | |
| P/E | 8.7 | 8.2 | 15.1 | 5.3 | 6.9 | 12.4 | 7.9 | 8.2 | 10.4 | 13.2 | 8.6 | 13.9 | |
| P/S | 0.6 | 0.6 | · | 0.5 | 1.3 | 0.9 | 0.9 | 0.9 | 1.1 | 1.3 | 0.9 | 1.0 | |
| P/B | 1.0 | 1.0 | · | 0.9 | 2.0 | 1.2 | 1.1 | 1.0 | 1.3 | 1.5 | 1.0 | 1.1 | |
| P / Tangible Book | 1.1 | 1.0 | 0.8 | 0.9 | 2.1 | 1.2 | · | · | · | · | · | · | |
| P / Cash Flow | 1.2 | 1.3 | · | 1.2 | 3.0 | 1.9 | 2.0 | 1.9 | 2.7 | 3.0 | 2.4 | 2.4 | |
| P / FCF | 1.2 | 1.3 | · | 1.2 | 3.0 | 1.9 | 2.1 | 2.0 | 2.8 | 3.2 | 2.6 | 2.5 | |
| Earnings Yield | 11.5% | 12.2% | 6.6% | 18.9% | 14.5% | 8.0% | 12.7% | 12.2% | 9.7% | 7.6% | 11.6% | 7.2% |
Income Statement 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 | $168M | $167M | $170M | $165M | $157M | $153M | $155M | $146M | $143M | $144M | $142M | $141M | $133M | $135M | $132M | $131M | |
| SG&A Expense | $65M | $65M | $65M | $64M | $63M | $66M | $65M | $62M | $60M | $60M | $65M | $62M | $57M | $59M | $55M | $58M | |
| Interest Income | $140M | $140M | $142M | $138M | $130M | $127M | $128M | $125M | $119M | $120M | $91M | $125M | $118M | $120M | $84M | $116M | |
| Pretax Income | $11M | $15M | $16M | $19M | $13M | $9M | $13M | $10M | $11M | $20M | $-10M | $11M | $8M | $12M | $1M | $13M | |
| Income Tax | $2M | $3M | $3M | $5M | $3M | $2M | $3M | $3M | $3M | $5M | $-2M | $2M | $2M | $3M | $-1M | $3M | |
| Net Income | $8M | $11M | $13M | $14M | $10M | $7M | $10M | $8M | $8M | $15M | $-8M | $9M | $6M | $9M | $2M | $10M | |
| EPS (Basic) | $0.91 | $1.24 | $1.38 | $1.53 | $1.07 | $0.73 | $1.02 | $0.79 | $0.88 | $1.59 | $-0.81 | $0.94 | $0.64 | $0.93 | $0.32 | $1.09 | |
| EPS (Diluted) | $0.85 | $1.18 | $1.30 | $1.42 | $1.03 | $0.70 | $0.96 | $0.76 | $0.86 | $1.56 | $-0.78 | $0.91 | $0.63 | $0.90 | $0.33 | $1.06 | |
| Shares (Basic) | 8,988,000 | 9,163,000 | -19,056,000 | 9,370,000 | 9,504,000 | 9,610,000 | -19,225,000 | 9,683,000 | 9,613,000 | 9,569,000 | -18,755,000 | 9,429,000 | 9,399,000 | 9,325,000 | -18,693,000 | 9,195,000 | |
| Shares (Diluted) | 9,604,000 | 9,662,000 | -20,017,000 | 10,133,000 | 9,843,000 | 10,025,000 | -19,742,000 | 10,090,000 | 9,863,000 | 9,746,000 | -19,245,000 | 9,650,000 | 9,566,000 | 9,622,000 | -19,561,000 | 9,526,000 | |
| EBITDA | · | $5M | · | · | · | $4M | · | · | · | $3M | · | · | · | $4M | · | · |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $7M | $5M | $4M | $4M | $4M | $4M | $4M | $5M | $4M | $4M | $5M | $7M | $10M | $7M | $4M | $3M | |
| PP&E (Net) | $13M | $13M | $13M | $13M | $13M | $14M | $14M | $13M | $13M | $13M | · | $14M | $15M | $15M | · | $12M | |
| PP&E (Gross) | · | · | $48M | · | · | · | $46M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $35M | · | · | · | $33M | · | · | · | · | · | · | · | · | · | |
| Intangibles | · | · | $32M | · | · | · | $25M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $2.13B | $2.07B | $2.10B | $2.03B | $1.97B | $1.90B | $1.91B | $1.82B | $1.79B | $1.76B | · | $1.77B | $1.72B | $1.70B | · | $1.61B | |
| Deferred Tax | $3M | $4M | $3M | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Total Liabilities | $1.75B | $1.70B | $1.73B | $1.66B | $1.60B | $1.54B | $1.55B | $1.47B | $1.44B | $1.42B | · | $1.43B | $1.40B | $1.38B | · | $1.30B | |
| Long-term Debt | $1.67B | $1.61B | $1.64B | $1.57B | $1.50B | $1.47B | $1.47B | $1.39B | $1.37B | $1.35B | · | $1.37B | $1.34B | $1.32B | · | $1.23B | |
| Common Stock | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | · | $1M | $1M | $1M | · | $1M | |
| Retained Earnings | $424M | $419M | $411M | $401M | $390M | $383M | $378M | $372M | $367M | $362M | · | $360M | $354M | $351M | · | $346M | |
| Treasury Stock | $190M | $185M | $178M | $170M | $165M | $160M | $154M | $150M | $150M | $150M | · | $150M | $150M | $150M | · | $150M | |
| AOCI | $-49.0K | $-31.0K | $-2.0K | $-10.0K | $-2.0K | $-171.0K | $62.0K | $-87.0K | $-39.0K | $-219.0K | · | $-398.0K | $-367.0K | $-378.0K | · | $-456.0K | |
| Stockholders' Equity | $378M | $376M | $373M | $372M | $363M | $358M | $357M | $353M | $345M | $336M | $322M | $331M | $322M | $317M | $309M | $308M | |
| Liabilities + Equity | $2.13B | $2.07B | $2.10B | $2.03B | $1.97B | $1.90B | $1.91B | $1.82B | $1.79B | $1.76B | · | $1.77B | $1.72B | $1.70B | · | $1.61B | |
| Shares Outstanding | 9,340,000 | 9,338,000 | 9,554,000 | 9,803,000 | 9,962,000 | 10,088,000 | 10,010,000 | 10,164,000 | 10,156,000 | 9,868,000 | · | 9,835,000 | 9,829,000 | 9,578,000 | · | 9,584,000 |
Cash Flow 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $5M | $5M | $5M | $4M | $4M | $4M | $4M | $4M | $3M | $3M | $3M | $4M | $4M | $4M | $4M | $3M | |
| Stock-based Comp | $2M | $2M | $3M | $3M | $3M | $4M | $2M | $4M | $3M | $2M | $4M | $3M | $2M | $2M | $3M | $3M | |
| Other Non-cash | · | $63M | · | · | · | $50M | · | · | · | $38M | · | · | · | $38M | · | · | |
| Operating Cash Flow | $81M | $81M | $80M | $87M | $79M | $64M | $64M | $75M | $71M | $58M | $67M | $68M | $62M | $53M | $60M | $55M | |
| CapEx | $1M | $1M | $1M | $1M | $1M | $1M | $2M | $1M | $1M | $1M | $1M | $835.0K | $1M | $2M | $3M | $643.0K | |
| Investing Cash Flow | $-110M | $-35M | $-143M | $-163M | $-105M | $-60M | $-119M | $-112M | $-64M | $-20M | $-85M | $-109M | $-65M | $-20M | $-152M | $-134M | |
| Stock Repurchased | $5M | $8M | $8M | $5M | $5M | $6M | · | · | · | · | · | · | · | · | $0 | $0 | |
| Net Stock Activity | · | $-8M | · | · | · | $-6M | · | · | · | · | · | · | · | · | · | · | |
| Financing Cash Flow | $45M | $-41M | $53M | $63M | $22M | $-13M | $70M | $14M | $14M | $-44M | $22M | $25M | $10M | $-30M | $106M | $43M | |
| Net Change in Cash | $15M | $5M | $-11M | $-13M | $-5M | $-9M | $15M | $-23M | $21M | $-6M | $4M | $-17M | $7M | $2M | $15M | $-36M | |
| Taxes Paid | $2M | $-448.0K | $-251.0K | $48.0K | $6M | $-81.0K | $230.0K | $3M | $877.0K | $-967.0K | $266.0K | $2M | $1M | $15.0K | $200.0K | $4M | |
| Free Cash Flow | · | $80M | · | · | · | $62M | · | · | · | $57M | · | · | · | $51M | · | · |
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 | 4.9% | 6.8% | · | 8.7% | 6.4% | 4.6% | · | 5.2% | 5.9% | 10.5% | · | 6.3% | 4.5% | 6.4% | · | 7.7% | |
| Pretax Margin | 6.3% | 8.9% | · | 11.5% | 8.6% | 6.0% | · | 7.0% | 7.8% | 13.8% | · | 7.7% | 5.9% | 8.6% | · | 10.2% | |
| EBITDA Margin | · | 2.9% | · | · | · | 2.4% | · | · | · | 2.4% | · | · | · | 3.0% | · | · | |
| ROA | 0.40% | 0.57% | · | 0.75% | 0.54% | 0.38% | · | 0.43% | 0.48% | 0.88% | · | 0.52% | 0.37% | 0.54% | · | 0.69% | |
| ROE | 2.2% | 3.1% | · | 4.0% | 2.9% | 2.0% | · | 2.2% | 2.5% | 4.7% | · | 2.8% | 1.9% | 2.8% | · | 3.4% |
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 | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 |
Valuation (TTM) 10
| 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 | $658M | $643M | · | $622M | $600M | $587M | · | $575M | $562M | $554M | · | $541M | $523M | $511M | · | $495M | |
| Net Income TTM | $44M | $43M | · | $39M | $33M | $38M | · | $40M | $38M | $39M | · | $34M | $37M | $58M | · | $70M | |
| Market Cap | $385M | $301M | · | $382M | $291M | $304M | · | $332M | $292M | $239M | · | $272M | $300M | $250M | · | $269M | |
| P/E | 9.2 | 7.4 | · | 10.0 | 8.7 | 7.8 | · | 8.0 | 7.3 | 6.1 | · | 7.9 | 8.0 | 4.4 | · | 4.0 | |
| P/S | 0.6 | 0.5 | · | 0.6 | 0.5 | 0.5 | · | 0.6 | 0.5 | 0.4 | · | 0.5 | 0.6 | 0.5 | · | 0.5 | |
| P/B | 1.0 | 0.8 | · | 1.0 | 0.8 | 0.8 | · | 0.9 | 0.8 | 0.7 | · | 0.8 | 0.9 | 0.8 | · | 0.9 | |
| P / Tangible Book | 1.0 | 0.8 | · | 1.0 | 0.8 | 0.8 | · | 0.9 | 0.8 | 0.7 | · | 0.8 | 0.9 | 0.8 | · | 0.9 | |
| P / Cash Flow | · | 3.7 | · | · | · | 4.8 | · | · | · | 4.1 | · | · | · | 4.7 | · | · | |
| P / FCF | · | 3.8 | · | · | · | 4.9 | · | · | · | 4.2 | · | · | · | 4.9 | · | · | |
| Earnings Yield | 10.9% | 13.4% | · | 10.0% | 11.5% | 12.9% | · | 12.5% | 13.8% | 16.5% | · | 12.6% | 12.6% | 22.5% | · | 25.0% |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2024-03-31 | 2023-12-31 | 2022-12-31 | |
|---|---|---|---|---|---|
| Revenue | $646M | $589M | — | $551M | $507M |
| Net Income | $44M | $41M | — | $16M | $51M |
| Diluted EPS | $4.45 | $4.14 | — | $1.66 | $5.30 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2024-03-31 | 2023-12-31 | 2022-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $304M | $264M | — | — | $218M |
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Institutional owners (13F) 131 filers · $232.7M 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 |
|---|---|---|---|---|
| 27 (+9 vs prior Q) | 8 (-5 vs prior Q) | 43 (+6 vs prior Q) | 32 (-4 vs prior Q) | +112K |
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 |
|---|---|---|---|---|
| Forager Capital Management, LLC | $39,076,470 | 948,458 | 16.79% | Shares |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | $35,243,510 | 855,425 | 15.14% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $27,439,118 | 665,998 | 11.79% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $13,826,432 | 335,593 | 5.94% | Shares |
| AMERICAN CENTURY COMPANIES INC | $11,913,268 | 289,157 | 5.12% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $7,905,191 | 191,810 | 3.40% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $7,644,289 | 185,541 | 3.28% | Shares |
| STATE STREET CORP | $7,137,406 | 173,238 | 3.07% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $5,141,266 | 124,788 | 2.21% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $5,034,846 | 122,205 | 2.16% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $5,018,325 | 121,804 | 2.16% | Shares |
| Hillsdale Investment Management Inc. | $4,685,140 | 113,717 | 2.01% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $4,609,621 | 111,884 | 1.98% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $4,355,376 | 105,713 | 1.87% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $2,945,017 | 71,481 | 1.27% | Shares |
| FMR LLC | $2,699,424 | 65,520 | 1.16% | Shares |
| Empowered Funds, LLC | $2,690,525 | 65,304 | 1.16% | Shares |
| BlackRock, Inc. | $2,436,733 | 59,144 | 1.05% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,330,313 | 56,561 | 1.00% | Shares |
| Man Group plc | $2,267,978 | 55,048 | 0.97% | Shares |
| VANGUARD GROUP INC | $2,175,309 | 56,137 | 0.93% | Shares |
| PANAGORA ASSET MANAGEMENT INC | $1,975,746 | 47,955 | 0.85% | Shares |
| AMERIPRISE FINANCIAL INC | $1,949,049 | 47,307 | 0.84% | Shares |
| CITADEL ADVISORS LLC | $1,783,466 | 43,288 | 0.77% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $1,604,575 | 38,946 | 0.69% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $1,551,839 | 37,666 | 0.67% | Shares |
| GLOBEFLEX CAPITAL L P | $1,428,116 | 34,663 | 0.61% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $1,362,896 | 33,080 | 0.59% | Shares |
| Quantinno Capital Management LP | $1,175,477 | 28,531 | 0.51% | Shares |
| FIRST TRUST ADVISORS LP | $1,150,180 | 27,917 | 0.49% | Shares |
| NORGES BANK | $1,133,000 | 27,500 | 0.49% | Shares |
| Trexquant Investment LP | $1,126,408 | 27,340 | 0.48% | Shares |
| NOMURA ASSET MANAGEMENT INTERNATIONAL INC. | $1,075,000 | 26,100 | 0.46% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $1,055,915 | 25,629 | 0.45% | Shares |
| PDT Partners, LLC | $1,029,918 | 24,998 | 0.44% | Shares |
| TWO SIGMA INVESTMENTS, LP | $909,820 | 22,083 | 0.39% | Shares |
| Bank of New York Mellon Corp | $828,820 | 20,117 | 0.36% | Shares |
| Universal- Beteiligungs- und Servicegesellschaft mbH | $807,520 | 19,600 | 0.35% | Shares |
| D. E. Shaw & Co., Inc. | $677,246 | 16,438 | 0.29% | Shares |
| PRUDENTIAL FINANCIAL INC | $657,758 | 15,965 | 0.28% | Shares |
| VOYA INVESTMENT MANAGEMENT LLC | $654,503 | 15,886 | 0.28% | Shares |
| Integrated Quantitative Investments LLC | $650,301 | 15,784 | 0.28% | Shares |
| TWO SIGMA ADVISERS, LP | $624,573 | 16,118 | 0.27% | Shares |
| BANK OF AMERICA CORP /DE/ | $590,519 | 14,333 | 0.25% | Shares |
| FRANKLIN RESOURCES INC | $582,568 | 14,140 | 0.25% | Shares |
| JPMORGAN CHASE & CO | $545,296 | 13,127 | 0.23% | Shares |
| Brandywine Global Investment Management, LLC | $527,000 | 13,600 | 0.23% | Shares |
| Jump Financial, LLC | $464,407 | 11,272 | 0.20% | Shares |
| RHUMBLINE ADVISERS | $462,503 | 11,226 | 0.20% | Shares |
| HANCOCK WHITNEY CORP | $401,041 | 9,734 | 0.17% | Shares |
| EntryPoint Capital, LLC | $369,688 | 8,973 | 0.16% | Shares |
| Quadrature Capital Ltd | $367,998 | 8,932 | 0.16% | Shares |
| ALLIANCEBERNSTEIN L.P. | $357,975 | 11,100 | 0.15% | Shares |
| BARCLAYS PLC | $355,350 | 8,625 | 0.15% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $353,496 | 8,580 | 0.15% | Shares |
| XTX Topco Ltd | $353,331 | 8,576 | 0.15% | Shares |
| GOLDMAN SACHS GROUP INC | $347,069 | 8,424 | 0.15% | Shares |
| PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO | $326,716 | 7,930 | 0.14% | Shares |
| EXCHANGE TRADED CONCEPTS, LLC | $297,382 | 7,218 | 0.13% | Shares |
| CANADA PENSION PLAN INVESTMENT BOARD | $284,280 | 6,900 | 0.12% | Shares |
| Dynamic Technology Lab Private Ltd | $278,000 | 6,745 | 0.12% | Shares |
| SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC | $266,193 | 6,461 | 0.11% | Shares |
| Brevan Howard Capital Management LP | $233,934 | 5,678 | 0.10% | Shares |
| PACIFIC GLOBAL INVESTMENT MANAGEMENT CO | $232,540 | 7,723 | 0.10% | Shares |
| MetLife Investment Management, LLC | $225,034 | 5,462 | 0.10% | Shares |
| SEIZERT CAPITAL PARTNERS, LLC | $224,334 | 5,445 | 0.10% | Shares |
| ALGERT GLOBAL LLC | $208,966 | 5,072 | 0.09% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $203,652 | 4,943 | 0.09% | Shares |
| Russell Investments Group, Ltd. | $184,864 | 4,487 | 0.08% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $166,160 | 4,033 | 0.07% | Shares |
| Invesco Ltd. | $149,803 | 3,636 | 0.06% | Shares |
| Vanguard Global Advisers, LLC | $147,125 | 3,571 | 0.06% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $142,882 | 3,468 | 0.06% | Shares |
| AlphaQuest LLC | $133,378 | 3,442 | 0.06% | Shares |
| Nuveen, LLC | $126,072 | 3,060 | 0.05% | Shares |
| State of Tennessee, Department of Treasury | $124,012 | 3,010 | 0.05% | Shares |
| Police & Firemen's Retirement System of New Jersey | $111,405 | 2,704 | 0.05% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $103,989 | 2,524 | 0.04% | Shares |
| Nuveen Asset Management, LLC | $103,979 | 3,060 | 0.04% | Shares |
| NORTHERN TRUST CORP | $57,309 | 1,391 | 0.02% | Shares |
| Allspring Global Investments Holdings, LLC | $51,752 | 1,222 | 0.02% | Shares |
| Ameritas Investment Partners, Inc. | $39,016 | 947 | 0.02% | Shares |
| Legal & General Group Plc | $33,454 | 812 | 0.01% | Shares |
| CWM, LLC | $31,283 | 970 | 0.01% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $30,900 | 750 | 0.01% | Shares |
| MORGAN STANLEY | $28,593 | 694 | 0.01% | Shares |
| Versant Capital Management, Inc | $28,469 | 691 | 0.01% | Shares |
| Tower Research Capital LLC (TRC) | $27,439 | 666 | 0.01% | Shares |
| CITIGROUP INC | $23,525 | 571 | 0.01% | Shares |
| Creative Planning | $22,907 | 556 | 0.01% | Shares |
| SIGNATUREFD, LLC | $21,383 | 519 | 0.01% | Shares |
| Arax Advisory Partners | $18,417 | 447 | 0.01% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $15,803 | 490 | 0.01% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $15,319 | 475 | 0.01% | Shares |
| OSAIC HOLDINGS, INC. | $14,347 | 348 | 0.01% | Shares |
| LSV ASSET MANAGEMENT | $14,075 | 341,632 | 0.01% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $13,761 | 334 | 0.01% | Shares |
| GAMMA Investing LLC | $13,514 | 328 | 0.01% | Shares |
| Tieton Capital Management, LLC | $13,112 | 318,259 | 0.01% | Shares |
| Geneos Wealth Management Inc. | $12,360 | 300 | 0.01% | Shares |
Company insiders 34 insiders · 15 officers · 17 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Robert William Beck | President and CEO | Aug. 11, 2025 S | 79,673 | 0 | 0 | $0 |
| Peter R Knitzer | President and CEO | Dec. 31, 2019 F | 34,234 | 0 | 0 | $0 |
| Thomas F Fortin | Chief Executive Officer | Oct. 1, 2014 A | 14,227 | 0 | 0 | $0 |
| Donald E. Thomas | EVP and CFO | March 22, 2019 F | 7,773 | 0 | 0 | $0 |
| Robert Barry | EVP and CFO | March 27, 2012 A | — | 0 | 0 | $0 |
| Jody L. Anderson | President and COO | March 15, 2017 A | — | 0 | 0 | $0 |
| John D. Schachtel | EVP and COO | Dec. 31, 2023 F | 65,132 | 0 | 0 | $0 |
| Steven B Barnette | VP, Chief Accounting Officer | Aug. 3, 2026 A | 17,865 | 0 | 3 | $-269,708 |
| Harpreet Rana | EVP, Chief Fin & Admin Officer | July 2, 2026 A | 63,635 | 0 | 0 | $0 |
| Catherine R Atwood | SVP and General Counsel | July 2, 2026 A | 55,707 | 0 | 2 | $-105,068 |
| Manish Parmar | EVP, Chief Credit Risk Officer | July 2, 2026 A | 71,847 | 0 | 1 | $-55,477 |
| Brian J. Fisher | EVP, Chief Strat/Dev Officer | July 2, 2026 A | 46,117 | 0 | 3 | $-525,918 |
| Michael S Dymski | VP, Chief Accounting Officer | March 1, 2021 A | 51,180 | 0 | 0 | $0 |
| Daniel J. Taggart | EVP, Chief Credit Risk Officer | Dec. 31, 2019 F | 11,576 | 0 | 0 | $0 |
| Michelle Masters | SVP, Strategic Ops | March 11, 2015 A | 2,783 | 0 | 0 | $0 |
| Sandra K. Johnson | Director | June 1, 2026 G | 20,573 | 0 | 0 | $0 |
| Jonathan David Brown | Director | May 21, 2026 A | 34,748 | 0 | 0 | $0 |
| Roel C Campos | Director | March 12, 2026 P | 115,154 | 1 | 0 | $30,563 |
| Carlos Palomares | Director | Feb. 27, 2026 M | 69,910 | 0 | 0 | $0 |
| Julie Booth | Director | May 22, 2025 A | 5,159 | 0 | 0 | $0 |
| Maria Contreras-Sweet | Director | May 22, 2025 A | 35,867 | 0 | 0 | $0 |
| Philip V Bancroft | Director | May 25, 2023 A | 35,055 | 0 | 0 | $0 |
| Alvaro G Demolina | Director | Feb. 22, 2021 S | 17,428 | 0 | 0 | $0 |
| Richard A Godley | Director | May 4, 2017 A | 22,909 | 0 | 0 | $0 |
| Glynn C Quattlebaum | Director | Nov. 7, 2014 P | 92,603 | 0 | 0 | $0 |
| David Perez | Director | Dec. 10, 2013 M | 0 | 0 | 0 | $0 |
| Erik A Scott | Director | Dec. 10, 2013 M | 0 | 0 | 0 | $0 |
| Richard T Dell'Aquila | Director | Dec. 10, 2013 M | 0 | 0 | 0 | $0 |
| Jared L Johnson | Director | Dec. 10, 2013 M | 0 | 0 | 0 | $0 |
| EJF Capital LLC | 10% owner | April 30, 2014 S | 1,176,851 | 0 | 0 | $0 |
| Jerry L Shirley | 10% owner | Dec. 31, 2012 S | 446,095 | 0 | 0 | $0 |
| Lakhbir S. Lamba | — | Aug. 12, 2026 P | 55,734 | 2 | 0 | $316,495 |
| Steven J Freiberg | — | May 21, 2026 A | 142,048 | 0 | 0 | $0 |
| Michael R Dunn | — | May 21, 2026 A | 106,692 | 0 | 2 | $-374,512 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
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 |
|---|---|---|---|---|---|
| Basswood Capital Management, L.L.C., Basswood Partners, L.L.C., Basswood Financial Fund, LP, Basswood Financial Long Only Fund, LP, Basswood Opportunity Partners, LP, Basswood Opportunity Fund, Inc., Jonathan D. Brown, Matthew Lindenbaum, Bennett Lindenbaum ×4 filings | Nov. 29, 2022 | — | Initial filing | Board campaign | 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.
ETF ownership Held by 38 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 |
|---|---|---|---|---|
| DEEP · ETF Series Solutions | 1.03% | 7,380 NS | May 31, 2026 | N-PORT |
| GSSC · Goldman Sachs ETF Trust | 0.05% | 13,565 NS | May 31, 2026 | N-PORT |
| FNDA · SCHWAB STRATEGIC TRUST | 0.03% | 80,810 NS | May 31, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.03% | 238,365 NS | May 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.02% | 49,565 NS | April 30, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.02% | 14,730 NS | May 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.02% | 66,792 NS | April 30, 2026 | N-PORT |
| RSSL · Global X Funds | 0.01% | 3,986 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.01% | 427 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 30,603 NS | April 30, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 333 NS | May 31, 2026 | N-PORT |
| AVSU · AMERICAN CENTURY ETF TRUST | 0.00% | 476 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 342 NS | May 31, 2026 | N-PORT |
| FNDB · SCHWAB STRATEGIC TRUST | 0.00% | 895 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 20,720 NS | April 30, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 337 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 8 NS | May 31, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.00% | 229 NS | May 31, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 3,792 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 738 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 1,202 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,208 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 12 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 |
| PKW · Invesco Exchange-Traded Fund Trust | — | — | Aug. 4, 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 |