ISBA Isabella Bank Corporation - Common stock
$40,95
Harga · Agu 18, 2026
Fundamental per Agu 10, 2026
Rentang 52M
$30–$57
41% of range
Peringkat Analis
HOLD
10 analysts
Target Harga
$43
+5% upside
P/E (TTM)
16.0
ROE
8.4%
Margin Laba Bersih
24.1%
ISBA Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu
Harga
$40.95
Kapitalisasi Pasar
$300M
P/E (TTM)
16.0
EPS (TTM)
$2.56
Pendapatan (TTM)
—
Imbal Hasil Dividen
2.7%
ROE
8.4%
D/E Utang/Ekuitas
—
Rentang 52M
$30 – $57
ISBA Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda
Configure
Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS
Pendapatan & Laba Bersih
—
2016-12-31
→
2018-12-31
EPS
$2.56
2016-12-31
→
2025-12-31
Arus Kas Bebas
$23M
2017-12-31
→
2025-12-31
Margin
24.1%
Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?
Metrik
Tren 5 Tahun
ISBA
Median Rekan
P/E (TTM)
16.0
13.2
P/S (TTM)
52.5
1.6
P/B
1.3
1.2
Price / FCF (Harga / FCF)
12.9
—
Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC
Metrik
Tren 5 Tahun
ISBA
Median Rekan
Net Profit Margin (Margin Laba Bersih)
24.1%
18.9%
ROA
0.88%
1.1%
ROE
8.4%
9.5%
Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca
Metrik
Tren 5 Tahun
ISBA
Median Rekan
Pertumbuhan Pertumbuhan Pendapatan, EPS, dan Laba Bersih: YoY, CAGR 3T, CAGR 5T
Metrik
Tren 5 Tahun
ISBA
Median Rekan
Revenue YoY (Pendapatan YoY)
11.5%
—
Revenue CAGR 3Y (CAGR Pendapatan 3T)
1.9%
—
Revenue CAGR 5Y (CAGR Pendapatan 5T)
3.9%
—
EPS YoY
37.6%
—
Net Income YoY (Laba Bersih YoY)
36.1%
—
Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang
Metrik
Tren 5 Tahun
ISBA
Median Rekan
Payout Ratio (Rasio Pembayaran Dividen)
42.8%
—
Dividen Yield, rasio pembayaran, riwayat dividen, CAGR 5 tahun
Imbal Hasil Dividen
2.7%
Rasio Pembayaran Dividen
42.8%
CAGR Dividen 5T
—
| Tanggal ex-dividen | Jumlah |
|---|---|
| 26 Juni 2026 | $0,2800 |
| 27 Maret 2026 | $0,2800 |
| 17 Des. 2025 | $0,2800 |
| 26 Sep. 2025 | $0,2800 |
| 26 Juni 2025 | $0,2800 |
| 27 Maret 2025 | $0,2800 |
| 16 Des. 2024 | $0,2800 |
| 26 Sep. 2024 | $0,2800 |
| 26 Juni 2024 | $0,2800 |
| 26 Maret 2024 | $0,2800 |
| 12 Des. 2023 | $0,2800 |
| 26 Sep. 2023 | $0,2800 |
| 27 Juni 2023 | $0,2800 |
| 28 Maret 2023 | $0,2800 |
| 13 Des. 2022 | $0,2800 |
| 27 Sep. 2022 | $0,2700 |
| 27 Juni 2022 | $0,2700 |
| 28 Maret 2022 | $0,2700 |
| 13 Des. 2021 | $0,2700 |
| 27 Sep. 2021 | $0,2700 |
ISBA Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan
JUAL
10 analis
- Beli Kuat 0 0,0%
- Beli 0 0,0%
- Tahan 6 60,0%
- Jual 2 20,0%
- Jual Kuat 2 20,0%
Target Harga 12 Bulan
1 analis · 2026-08-15
Rendah
$43.00
Tinggi
$43.00
Target median
$43.00
+5,0%
Target rata-rata
$43.00
+5,0%
Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya
Kejutan Rata-rata
-2.0%
| Periode | EPS Aktual | EPS Estimasi | Kejutan |
|---|---|---|---|
| 31 Maret 2026 | $-2.69 | $-1.17 | -1.5% |
| 31 Des. 2025 | $-5.83 | $-0.78 | -5.1% |
| 30 Sep. 2025 | $-1.70 | $-0.54 | -1.2% |
| 30 Juni 2025 | $-3.76 | $-0.24 | -3.5% |
| 31 Maret 2025 | $-0.48 | $-0.59 | 0.11% |
| 31 Des. 2024 | $-1.76 | $-0.61 | -1.1% |
Perbandingan rekan (sub-industri GICS) Metrik utama vs rekan sektor
| Ticker | Kapitalisasi Pasar | P/E | Pendapatan YoY | Margin Bersih | ROE | Margin Kotor |
|---|---|---|---|---|---|---|
| ISBA | $366M | 19.5 | 11.5% | 24.1% | 8.4% | — |
| SBET | $1.76B | -1.2 | 666.1% | -2618.4% | -51.2% | — |
| ACEL | $939M | 19.0 | 8.1% | 3.9% | 19.4% | — |
| BALY | $802M | -1.5 | -0.58% | -26.7% | -126.8% | — |
| INSE | $252M | -16.1 | 2.4% | -5.6% | 132.3% | — |
| CPHC | $79M | -154.0 | -3.2% | -0.89% | -0.63% | — |
| FLL | $94M | -2.3 | 3.5% | -13.3% | -338.5% | — |
| LVS | $43.94B | 27.7 | 15.2% | 12.5% | 72.7% | — |
Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas
Laporan Laba Rugi 10
| Metrik | Tren | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | · | · | · | · | · | · | · | $6M | $5M | $5M | |
| Interest Expense | · | · | $22M | $5M | $7M | $14M | $18M | $16M | $12M | $11M | |
| Interest Income | $96M | $90M | $80M | $66M | $60M | $64M | $67M | $64M | $58M | $54M | |
| Pretax Income | $24M | $16M | $22M | $27M | $23M | $12M | $14M | $15M | $16M | $16M | |
| Income Tax | $5M | $3M | $4M | $5M | $4M | $987.0K | $1M | $1M | $3M | $2M | |
| Net Income | $19M | $14M | $18M | $22M | $19M | $11M | $13M | $14M | $13M | $14M | |
| EPS (Basic) | $2.56 | $1.86 | $2.42 | $2.95 | $2.48 | $1.37 | $1.65 | $1.78 | $1.69 | $1.77 | |
| EPS (Diluted) | $2.56 | $1.86 | $2.40 | $2.91 | $2.45 | $1.34 | $1.61 | $1.74 | $1.65 | $1.73 | |
| Shares (Basic) | 7,372,434 | 7,465,343 | 7,511,591 | 7,549,878 | 7,853,398 | 7,959,705 | 7,909,794 | 7,872,077 | 7,841,451 | 7,813,739 | |
| Shares (Diluted) | 7,385,862 | 7,482,374 | 7,575,492 | 7,647,612 | 7,965,961 | 8,106,091 | 8,095,042 | 8,072,848 | 8,033,737 | 7,999,350 |
Neraca 14
| Metrik | Tren | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $26M | $25M | $34M | $39M | $105M | $247M | $61M | $73M | $31M | $23M | |
| PP&E (Net) | $29M | $28M | $28M | $26M | $24M | $25M | $26M | $28M | $28M | $29M | |
| PP&E (Gross) | $80M | $77M | $77M | $73M | $73M | $73M | $72M | $71M | $69M | $68M | |
| Accum. Depreciation | $51M | $49M | $49M | $48M | $49M | $47M | $45M | $43M | $41M | $39M | |
| Goodwill | $48M | $48M | $48M | $48M | $48M | $48M | $48M | $48M | $48M | $48M | |
| Intangibles | · | · | $2.0K | $5.0K | $20.0K | $49.0K | $97.0K | $169.0K | $265.0K | $384.0K | |
| Total Assets | $2.21B | $2.09B | $2.06B | $2.03B | $2.03B | $1.96B | $1.81B | $1.84B | $1.81B | $1.73B | |
| Total Liabilities | $1.98B | $1.88B | $1.86B | $1.84B | $1.82B | $1.74B | $1.60B | $1.65B | $1.62B | $1.54B | |
| Common Stock | $123M | $126M | $127M | $129M | $129M | $142M | $141M | $140M | $140M | $140M | |
| Retained Earnings | $114M | $103M | $97M | $90M | $76M | $64M | $62M | $57M | $52M | $46M | |
| AOCI | $-8M | $-21M | $-26M | $-37M | $2M | $8M | $2M | $-8M | $-3M | $-3M | |
| Stockholders' Equity | $231M | $210M | $202M | $186M | $211M | $219M | $210M | $196M | $195M | $188M | |
| Liabilities + Equity | $2.21B | $2.09B | $2.06B | $2.03B | $2.03B | $1.96B | $1.81B | $1.84B | $1.81B | $1.73B | |
| Shares Outstanding | 7,322,207 | 7,424,893 | 7,485,889 | 7,559,421 | 7,532,641 | 7,997,247 | 7,910,804 | 7,870,969 | 7,857,293 | 7,821,069 |
Arus Kas 15
| Metrik | Tren | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $341.0K | $476.0K | $782.0K | $610.0K | · | · | $523.0K | $612.0K | $640.0K | $573.0K | |
| Deferred Tax | $38.0K | $-310.0K | $1M | $13.0K | $-523.0K | $-276.0K | $408.0K | $275.0K | $3M | $-282.0K | |
| Amort. of Intangibles | · | · | $3.0K | $15.0K | $29.0K | $48.0K | $72.0K | $96.0K | $119.0K | $162.0K | |
| Operating Cash Flow | $27M | $20M | $24M | $27M | $26M | $22M | $23M | $22M | $20M | $20M | |
| CapEx | $3M | $2M | $4M | $3M | $2M | $2M | $1M | $2M | $2M | $4M | |
| Investing Cash Flow | $-116M | $-38M | $-26M | $-106M | $-230M | $45M | $15M | $7M | $-82M | $-70M | |
| Stock Issued | $1M | $2M | $2M | $2M | $2M | $4M | $5M | $7M | $6M | $5M | |
| Stock Repurchased | $5M | $3M | $3M | · | · | · | · | · | · | · | |
| Net Stock Activity | $-3M | $2M | $2M | $2M | $2M | $4M | $5M | $7M | $6M | · | |
| Dividends Paid | $8M | $8M | $8M | $8M | $8M | $9M | $8M | $8M | $8M | $8M | |
| Financing Cash Flow | $91M | $9M | $-3M | $13M | $63M | $119M | $-52M | $14M | $70M | $51M | |
| Net Change in Cash | $1M | $-9M | $-5M | $-66M | $-141M | $186M | $-13M | $43M | $8M | $1M | |
| Taxes Paid | $2M | $2M | $2M | · | · | · | · | · | · | · | |
| Free Cash Flow | $23M | $18M | $20M | $24M | $24M | $20M | $22M | $20M | $15M | · | |
| Levered FCF | · | · | $2M | $19M | $18M | $8M | $6M | $5M | $5M | · |
Profitabilitas 4
| Metrik | Tren | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 24.1% | 19.7% | 25.3% | 30.0% | 29.3% | 16.8% | 22.7% | 247.9% | 23.3% | · | |
| Pretax Margin | 30.7% | 23.3% | 30.4% | 36.2% | 35.1% | 18.3% | 25.1% | 272.0% | 28.6% | · | |
| ROA | 0.88% | 0.67% | 0.89% | 1.1% | 0.98% | 0.58% | 0.71% | 0.77% | 0.75% | · | |
| ROE | 8.4% | 6.6% | 9.4% | 12.3% | 9.0% | 4.9% | 6.2% | 7.3% | 6.8% | · |
Efisiensi 1
| Metrik | Tren | 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 | · |
Tingkat Pertumbuhan 10
| Metrik | Tren | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 11.5% | -1.9% | -3.2% | 11.5% | 2.7% | · | · | · | · | · | |
| Revenue CAGR 3Y | 1.9% | 1.9% | 3.5% | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 3.9% | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 37.6% | -22.5% | -17.5% | 18.8% | 82.8% | · | · | · | · | · | |
| EPS CAGR 3Y | -4.2% | -8.8% | 21.4% | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 13.8% | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 36.1% | -23.5% | -18.3% | 14.1% | 79.1% | · | · | · | · | · | |
| Net Income CAGR 3Y | -5.3% | -10.7% | 18.6% | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 11.7% | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | -1.1% | · | · | · | · | · | · | · | · | · |
Valuasi (TTM) 13
| Metrik | Tren | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $5M | $5M | |
| Net Income TTM | $19M | $14M | $18M | $22M | $19M | $11M | $13M | $14M | $13M | $14M | |
| Market Cap | $366M | $193M | $161M | $178M | $192M | $157M | $192M | $178M | $222M | · | |
| P/E | 19.5 | 14.0 | 9.0 | 8.1 | 10.4 | 14.6 | 15.1 | 13.0 | 17.1 | 16.1 | |
| P/S | 63.9 | 33.7 | 28.1 | 31.0 | 33.6 | 27.3 | 33.6 | 31.4 | 41.2 | · | |
| P/B | 1.6 | 0.9 | 0.8 | 1.0 | 0.9 | 0.7 | 0.9 | 0.9 | 1.1 | · | |
| P / Tangible Book | 2.0 | 1.2 | 1.0 | 1.3 | 1.2 | 0.9 | · | · | · | · | |
| P / Cash Flow | 13.7 | 9.8 | 6.8 | 6.6 | 7.5 | 7.1 | 8.3 | 8.1 | 13.1 | · | |
| P / FCF | 15.7 | 11.0 | 8.2 | 7.5 | 8.0 | 7.6 | 8.8 | 9.0 | 14.8 | · | |
| Dividend Yield | 2.2% | 4.2% | 5.1% | 4.5% | 4.4% | 5.5% | 4.3% | 4.6% | 3.6% | · | |
| Earnings Yield | 5.1% | 7.2% | 11.2% | 12.4% | 9.6% | 6.9% | 6.6% | 7.7% | 5.8% | 6.2% | |
| Payout Ratio | 42.8% | 58.7% | 45.2% | 36.3% | 42.9% | 78.3% | 63.6% | 58.3% | 60.4% | · | |
| Annual Payout | $8M | $8M | $8M | $8M | $8M | $9M | $8M | $8M | $8M | $8M |
Laporan Laba Rugi 9
| Metrik | Tren | 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 | · | · | · | · | · | · | · | $9M | $9M | $8M | · | $6M | $5M | $3M | · | $1M | |
| Interest Income | $26M | $25M | $25M | $25M | $23M | $23M | $23M | $23M | $22M | $21M | $21M | $20M | $19M | $19M | $18M | $17M | |
| Pretax Income | $6M | $6M | $7M | $6M | $6M | $5M | $5M | $4M | $4M | $4M | $5M | $5M | $6M | $6M | $8M | $7M | |
| Income Tax | · | · | · | · | · | · | · | · | · | $511.0K | $726.0K | $937.0K | $918.0K | $1M | $1M | $1M | |
| Net Income | $5M | $5M | $5M | $5M | $5M | $4M | $4M | $3M | $3M | $3M | $4M | $4M | $5M | $5M | $6M | $6M | |
| EPS (Basic) | $0.69 | $0.68 | $0.64 | $0.71 | $0.68 | $0.53 | $0.53 | $0.44 | $0.47 | $0.42 | $0.51 | $0.59 | $0.62 | $0.70 | $0.84 | $0.78 | |
| EPS (Diluted) | $0.69 | $0.68 | $0.64 | $0.71 | $0.68 | $0.53 | $0.54 | $0.44 | $0.46 | $0.42 | $0.51 | $0.58 | $0.61 | $0.70 | $0.83 | $0.77 | |
| Shares (Basic) | 7,330,929 | 7,325,789 | -14,788,620 | 7,357,977 | 7,383,338 | 7,419,739 | -14,959,398 | 7,454,097 | 7,477,310 | 7,493,334 | -15,038,746 | 7,495,168 | 7,498,584 | 7,556,585 | -15,084,167 | 7,555,333 | |
| Shares (Diluted) | 7,337,378 | 7,329,058 | -14,816,061 | 7,371,652 | 7,398,109 | 7,432,162 | -14,993,377 | 7,473,184 | 7,494,828 | 7,507,739 | -15,196,826 | 7,570,374 | 7,567,527 | 7,634,417 | -15,293,171 | 7,650,950 |
Neraca 13
| Metrik | Tren | 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 | $42M | $50M | $26M | $161M | $109M | $69M | $25M | $27M | $24M | $25M | · | $116M | $30M | $99M | · | $99M | |
| PP&E (Net) | $29M | $29M | $29M | $29M | $28M | $28M | $28M | $28M | $28M | $28M | · | $27M | $26M | $26M | · | $25M | |
| PP&E (Gross) | · | · | $80M | · | · | · | $77M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $51M | · | · | · | $49M | · | · | · | · | · | · | · | · | · | |
| Goodwill | · | · | $48M | · | · | · | $48M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $2.22B | $2.25B | $2.21B | $2.26B | $2.16B | $2.10B | $2.09B | $2.11B | $2.06B | $2.06B | · | $2.12B | $2.04B | $2.08B | · | $2.06B | |
| Total Liabilities | $1.97B | $2.02B | $1.98B | $2.03B | $1.94B | $1.89B | $1.88B | $1.89B | $1.86B | $1.86B | · | $1.93B | $1.85B | $1.89B | · | $1.89B | |
| Common Stock | $135M | $123M | $123M | $124M | $125M | $126M | $126M | $125M | $126M | $127M | · | $128M | $126M | $128M | · | $129M | |
| Retained Earnings | $120M | $117M | $114M | $111M | $108M | $105M | $103M | $101M | $100M | $98M | · | $96M | $93M | $91M | · | $85M | |
| AOCI | $-9M | $-9M | $-8M | $-10M | $-14M | $-17M | $-21M | $-17M | $-28M | $-28M | · | $-42M | $-36M | $-30M | $-37M | $-43M | |
| Stockholders' Equity | $249M | $234M | $231M | $227M | $220M | $216M | $210M | $213M | $202M | $201M | $202M | $185M | $188M | $193M | $186M | $177M | |
| Liabilities + Equity | $2.22B | $2.25B | $2.21B | $2.26B | $2.16B | $2.10B | $2.09B | $2.11B | $2.06B | $2.06B | · | $2.12B | $2.04B | $2.08B | · | $2.06B | |
| Shares Outstanding | 7,628,809 | 7,333,319 | 7,322,207 | 7,350,567 | 7,361,684 | 7,408,010 | 7,424,893 | 7,438,720 | 7,474,016 | 7,488,101 | 7,485,889 | 7,490,557 | 7,496,826 | 7,540,015 | 7,559,421 | 7,564,348 |
Arus Kas 13
| Metrik | Tren | 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 | $47.0K | $172.0K | $63.0K | $56.0K | $48.0K | $174.0K | $73.0K | $79.0K | $81.0K | $243.0K | $86.0K | $140.0K | · | · | · | · | |
| Amort. of Intangibles | · | · | · | · | · | · | · | · | · | $0 | · | $0 | $1.0K | $1.0K | · | $4.0K | |
| Operating Cash Flow | $8M | $4M | $12M | $3M | $8M | $5M | $7M | $4M | $6M | $3M | $5M | $4M | $7M | $8M | $6M | $6M | |
| CapEx | $409.0K | $536.0K | $878.0K | $1M | $600.0K | $984.0K | $516.0K | $361.0K | $411.0K | $818.0K | $1M | $1M | $595.0K | $1M | $926.0K | $1M | |
| Investing Cash Flow | $22M | $-18M | $-89M | $-43M | $-13M | $28M | $11M | $-35M | $-5M | $-10M | $-9M | $5M | $-34M | $12M | $-22M | $-13M | |
| Stock Issued | $12M | $433.0K | $300.0K | $272.0K | $340.0K | $419.0K | $333.0K | $350.0K | $393.0K | $447.0K | $409.0K | $362.0K | $384.0K | $462.0K | $418.0K | $437.0K | |
| Stock Repurchased | $224.0K | $402.0K | $1M | $609.0K | $2M | $1M | $657.0K | $1M | $662.0K | $740.0K | $509.0K | $497.0K | · | · | · | · | |
| Net Stock Activity | · | $31.0K | · | · | · | $-726.0K | · | · | · | $447.0K | · | · | · | $462.0K | · | · | |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Financing Cash Flow | $-38M | $39M | $-58M | $93M | $44M | $12M | $-21M | $35M | $-2M | $-2M | $-79M | $77M | $-42M | $40M | $-44M | $24M | |
| Net Change in Cash | $-8M | $24M | $-135M | $53M | $39M | $45M | $-3M | $4M | $-2M | $-8M | $-82M | $86M | $-69M | $60M | $-60M | $17M | |
| Free Cash Flow | · | $3M | · | · | · | $4M | · | · | · | $3M | · | · | · | $6M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-4M | · | · | · | $4M | · | · |
Profitabilitas 4
| Metrik | Tren | 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 | 22.4% | 23.5% | · | 25.6% | 26.7% | 21.9% | · | 18.2% | 20.3% | 18.7% | · | 24.9% | 25.3% | 28.5% | · | 30.9% | |
| Pretax Margin | 27.5% | 28.1% | · | 30.7% | 32.8% | 26.9% | · | 21.3% | 23.8% | 21.8% | · | 30.2% | 30.3% | 34.4% | · | 37.4% | |
| ROA | 0.23% | 0.23% | · | 0.24% | 0.24% | 0.19% | · | 0.16% | 0.17% | 0.15% | · | 0.21% | 0.23% | 0.26% | · | 0.28% | |
| ROE | 2.1% | 2.2% | · | 2.4% | 2.4% | 1.9% | · | 1.7% | 1.8% | 1.6% | · | 2.4% | 2.4% | 2.7% | · | 3.0% |
Efisiensi 1
| Metrik | Tren | 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 |
Valuasi (TTM) 11
| Metrik | Tren | 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 | $6M | $6M | · | $6M | $6M | $6M | · | $6M | $6M | $6M | · | $6M | $6M | $6M | · | $6M | |
| Net Income TTM | $20M | $19M | · | $18M | $16M | $14M | · | $14M | $16M | $17M | · | $20M | $21M | $21M | · | $21M | |
| Market Cap | $301M | $335M | · | $259M | $222M | $175M | · | $158M | $136M | $145M | · | $158M | $154M | $187M | · | $162M | |
| P/E | 14.3 | 17.6 | · | 14.9 | 14.3 | 12.8 | · | 11.2 | 8.8 | 8.4 | · | 7.9 | 7.4 | 8.9 | · | 8.0 | |
| P/S | 52.6 | 58.5 | · | 45.3 | 38.8 | 30.5 | · | 27.6 | 23.8 | 25.4 | · | 27.5 | 26.8 | 32.7 | · | 28.3 | |
| P/B | 1.2 | 1.4 | · | 1.1 | 1.0 | 0.8 | · | 0.7 | 0.7 | 0.7 | · | 0.9 | 0.8 | 1.0 | · | 0.9 | |
| P / Tangible Book | 1.2 | 1.4 | · | 1.1 | 1.0 | 0.8 | · | 0.7 | 0.7 | 0.7 | · | 0.9 | 0.8 | 1.0 | · | 0.9 | |
| P / Cash Flow | · | 88.6 | · | · | · | 37.2 | · | · | · | 43.5 | · | · | · | 24.7 | · | · | |
| P / FCF | · | 103.3 | · | · | · | 47.0 | · | · | · | 57.6 | · | · | · | 29.5 | · | · | |
| Earnings Yield | 7.0% | 5.7% | · | 6.7% | 7.0% | 7.8% | · | 9.0% | 11.4% | 11.9% | · | 12.6% | 13.5% | 11.2% | · | 12.4% | |
| Payout Ratio | · | 41.1% | · | · | · | 51.5% | · | · | · | 66.9% | · | · | · | 38.8% | · | · |
Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir
Laporan Laba Rugi
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Laba Bersih | $19M | $14M | $18M | $22M | $19M |
| EPS Dilusian | $2.56 | $1.86 | $2.40 | $2.91 | $2.45 |
Arus Kas
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Arus Kas Bebas | $23M | $18M | $20M | $24M | $24M |
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Pemilik institusional (13F) 59 pengaju · $50.8M total · Per tanggal 30 Juni 2026
Institusi yang melaporkan kepemilikan saham ini dalam SEC Form 13F triwulanan mereka. Hanya posisi panjang; satu pengaju dapat muncul dua kali untuk leg opsi terpisah. Kaki put/call offset yang besar biasanya mencerminkan pembuatan pasar atau inventaris yang dilindungi, bukan keyakinan arah.
Aktivitas institusional — Q2 2026 vs kuartal sebelumnya
| Posisi baru | Posisi yang keluar | Meningkat | Menurun | Perubahan bersih saham |
|---|---|---|---|---|
| 29 (+18 vs Kuartal sebelumnya) | 10 (+7 vs Kuartal sebelumnya) | 13 (+1 vs Kuartal sebelumnya) | 6 (+1 vs Kuartal sebelumnya) | +424K |
Dibandingkan dengan Q1 2026. Pengajuan Formulir 13F SEC jatuh tempo dalam waktu 45 hari setelah akhir kuartal ditambah kelonggaran singkat untuk pengaju terlambat — kuartal yang masih dalam jangka waktu tersebut dilewati demi pasangan terakhir yang dilaporkan sepenuhnya.
| Institusi | Nilai | Saham | % dari 13F yang dilacak | Tipe |
|---|---|---|---|---|
| VANGUARD GROUP INC | $13.162.700 | 263.254 | 25,93% | Saham |
| VANGUARD CAPITAL MANAGEMENT LLC | $11.834.161 | 299.599 | 23,31% | Saham |
| GEODE CAPITAL MANAGEMENT, LLC | $5.924.374 | 149.944 | 11,67% | Saham |
| STATE STREET CORP | $3.419.950 | 86.581 | 6,74% | Saham |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1.846.309 | 46.742 | 3,64% | Saham |
| VANGUARD FIDUCIARY TRUST CO | $1.836.039 | 46.482 | 3,62% | Saham |
| HARBOUR INVESTMENTS, INC. | $1.303.040 | 32.988 | 2,57% | Saham |
| VICTORY CAPITAL MANAGEMENT INC | $1.224.500 | 31.000 | 2,41% | Saham |
| GOLDMAN SACHS GROUP INC | $1.084.749 | 27.462 | 2,14% | Saham |
| TWO SIGMA INVESTMENTS, LP | $942.391 | 23.858 | 1,86% | Saham |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $802.680 | 20.321 | 1,58% | Saham |
| AMERICAN CENTURY COMPANIES INC | $787.274 | 19.931 | 1,55% | Saham |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $562.480 | 14.240 | 1,11% | Saham |
| Integrated Wealth Concepts LLC | $482.432 | 12.214 | 0,95% | Saham |
| BANK OF AMERICA CORP /DE/ | $416.725 | 10.550 | 0,82% | Saham |
| CITADEL ADVISORS LLC | $392.275 | 9.931 | 0,77% | Saham |
| Walleye Capital LLC | $355.263 | 8.994 | 0,70% | Saham |
| Mattson Financial Services, LLC | $347.504 | 8.534 | 0,68% | Saham |
| Gradient Investments LLC | $337.093 | 8.534 | 0,66% | Saham |
| Qube Research & Technologies Ltd | $290.641 | 7.358 | 0,57% | Saham |
| DEUTSCHE BANK AG\ | $267.573 | 6.774 | 0,53% | Saham |
| DIMENSIONAL FUND ADVISORS LP | $267.099 | 6.762 | 0,53% | Saham |
| FourThought Financial Partners, LLC | $252.484 | 6.392 | 0,50% | Saham |
| Bank of New York Mellon Corp | $235.855 | 5.971 | 0,46% | Saham |
| WELLS FARGO & COMPANY/MN | $229.614 | 5.813 | 0,45% | Saham |
| RHUMBLINE ADVISERS | $211.520 | 5.355 | 0,42% | Saham |
| CITIGROUP INC | $181.384 | 4.592 | 0,36% | Saham |
| MetLife Investment Management, LLC | $169.850 | 4.300 | 0,33% | Saham |
| Nuveen, LLC | $137.579 | 3.483 | 0,27% | Saham |
| UBS Group AG | $128.968 | 3.265 | 0,25% | Saham |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $125.689 | 3.182 | 0,25% | Saham |
| BNP PARIBAS FINANCIAL MARKETS | $121.304 | 3.071 | 0,24% | Saham |
| JPMORGAN CHASE & CO | $117.295 | 2.877 | 0,23% | Saham |
| Invesco Ltd. | $109.257 | 2.766 | 0,22% | Saham |
| Vanguard Global Advisers, LLC | $105.742 | 2.677 | 0,21% | Saham |
| NEW YORK STATE COMMON RETIREMENT FUND | $102.700 | 2.600 | 0,20% | Saham |
| Atlantic Union Bankshares Corp | $101.239 | 2.563 | 0,20% | Saham |
| Police & Firemen's Retirement System of New Jersey | $80.856 | 2.047 | 0,16% | Saham |
| MORGAN STANLEY | $80.225 | 2.031 | 0,16% | Saham |
| STRS OHIO | $55.300 | 1.400 | 0,11% | Saham |
| MARSHALL WACE, LLP | $45.229 | 1.145 | 0,09% | Saham |
| NORTHERN TRUST CORP | $43.095 | 1.091 | 0,08% | Saham |
| BARCLAYS PLC | $40.804 | 1.033 | 0,08% | Saham |
| CWM, LLC | $34.527 | 756 | 0,07% | Saham |
| Legal & General Group Plc | $26.702 | 676 | 0,05% | Saham |
| Ameritas Investment Partners, Inc. | $24.885 | 630 | 0,05% | Saham |
| Russell Investments Group, Ltd. | $21.883 | 554 | 0,04% | Saham |
| Tower Research Capital LLC (TRC) | $20.461 | 518 | 0,04% | Saham |
| BlackRock, Inc. | $19.434 | 492 | 0,04% | Saham |
| ROYAL BANK OF CANADA | $12.000 | 307 | 0,02% | Saham |
| Clearstead Advisors, LLC | $11.100 | 281 | 0,02% | Saham |
| HUNTINGTON NATIONAL BANK | $9.875 | 250 | 0,02% | Saham |
| JONES FINANCIAL COMPANIES LLLP | $6.023 | 150 | 0,01% | Saham |
| Sterling Capital Management LLC | $5.530 | 140 | 0,01% | Saham |
| ROTHSCHILD INVESTMENT LLC | $1.975 | 50 | 0,00% | Saham |
| FMR LLC | $1.225 | 31 | 0,00% | Saham |
| OSAIC HOLDINGS, INC. | $751 | 19 | 0,00% | Saham |
| PRICE T ROWE ASSOCIATES INC /MD/ | $225 | 5.695 | 0,00% | Saham |
| Caitong International Asset Management Co., Ltd | $79 | 2 | 0,00% | Saham |
Orang dalam perusahaan 46 orang dalam · 17 pejabat · 31 direktur
| Orang Dalam | Peran | Aktivitas terakhir | Saham dimiliki | Beli 12m | Jual 12m | Bersih 12m |
|---|---|---|---|---|---|---|
| Jerome E Schwind | President & CEO | 1 Juni 2026 A | 37.629 | 1 | 0 | $12.462 |
| William M Schaefer | Chief Financial Officer | 1 Mei 2025 P | 7.249 | 0 | 0 | $0 |
| Dennis P Angner | President & CFO | 1 Maret 2017 A | 28.124 | 0 | 0 | $0 |
| Neil Michael Mcdonnell | President | 1 Juni 2026 A | 12.202 | 2 | 0 | $16.754 |
| Michael Kyle Huenemann | Chief Lending Officer | 2 Maret 2026 P | 1.097 | 1 | 0 | $1.920 |
| Jon D Catlin | Chief Credit Officer | 2 Maret 2026 P | 1.285 | 1 | 0 | $3.241 |
| Prisby Michael P | Treasurer | 21 Mei 2025 S | 18.658 | 0 | 0 | $0 |
| Peggy Wheeler | Chief Operations Officer | 1 Mei 2025 P | 8.871 | 0 | 0 | $0 |
| Julie Huber | VP & Chief Technology Officer | 1 Juni 2022 P | 188 | 0 | 0 | $0 |
| Jennifer L Gill | VP & Controller | 1 Feb. 2022 P | 810 | 0 | 0 | $0 |
| David J Reetz | Sr VP & Chief Lending Officer | 27 Okt. 2021 S | 9.000 | 0 | 0 | $0 |
| Gregory S Matthews | Chief Credit Officer | 1 Maret 2021 P | 451 | 0 | 0 | $0 |
| Rhonda S Tudor | Controller | 2 Nov. 2020 P | 264 | 0 | 0 | $0 |
| Gregory S Mapes | VP & Treasurer | 30 Juni 2010 J | 633 | 0 | 0 | $0 |
| Patricia Plaxton | Vice President | 30 Juni 2010 J | 902 | 0 | 0 | $0 |
| Timothy M Miller | Vice President | 25 Okt. 2006 A | 3.031 | 0 | 0 | $0 |
| Mary Ann Breuer | Vice Pres., Sec/Treasurer | 20 Juli 2004 G | 3.234 | 0 | 0 | $0 |
| Brian B Tessin | Direktur | 1 Juni 2026 A | 1.062 | 0 | 0 | $0 |
| Brian Roy Sackett | Direktur | 1 Juni 2026 A | 4.201 | 1 | 0 | $19.981 |
| Melinda Marie Coffin | Direktur | 1 Juni 2026 A | 5.611 | 1 | 0 | $22.014 |
| Vicki L Rupp | Direktur | 1 Juni 2026 A | 9.854 | 0 | 0 | $0 |
| Sarah R Opperman | Direktur | 1 Juni 2026 A | 24.514 | 1 | 0 | $13.734 |
| Jeffrey J Barnes | Direktur | 1 Juni 2026 A | 42.527 | 0 | 0 | $0 |
| Jae A Evans | Direktur | 2 Maret 2026 A | 26.971 | 1 | 1 | $-83.183 |
| David Brian Behen | Direktur | 20 Jan. 2026 P | 611 | 1 | 0 | $11.998 |
| Chad R Payton | Direktur | 2 Juni 2025 A | 7.474 | 0 | 0 | $0 |
| Gregory V Varner | Direktur | 3 Sep. 2024 A | 32.232 | 0 | 0 | $0 |
| Thomas L Kleinhardt | Direktur | 3 Sep. 2024 A | 107.710 | 0 | 0 | $0 |
| Richard L Mcguirk | Direktur | 29 April 2024 P | 15.712 | 0 | 0 | $0 |
| Charles G Hubscher | Direktur | 1 Juni 2023 A | 231.538 | 0 | 0 | $0 |
| David J Maness | Direktur | 1 Juni 2023 A | 54.442 | 0 | 0 | $0 |
| Joseph W Manifold | Direktur | 1 Juni 2020 A | 33.289 | 0 | 0 | $0 |
| Michael W Mcguire | Direktur | 2 Des. 2019 A | 107.973 | 0 | 0 | $0 |
| Joseph Laframboise | Direktur | 3 Sep. 2019 A | 16.356 | 0 | 0 | $0 |
| Richard J Barz | Direktur | 29 Okt. 2018 P | 41.114 | 0 | 0 | $0 |
| Dianne C Morey | Direktur | 18 Jan. 2011 P | 5.600 | 0 | 0 | $0 |
| William J Strickler | Direktur | 30 Juni 2010 J | 77.671 | 0 | 0 | $0 |
| James C Fabiano | Direktur | 30 Juni 2010 J | 264.002 | 0 | 0 | $0 |
| Dale D Weburg | Direktur | 30 Juni 2010 J | 30.700 | 0 | 0 | $0 |
| Ted Kortes | Direktur | 4 Jan. 2010 S | 6.515 | 0 | 0 | $0 |
| Sandra L Caul | Direktur | 30 Sep. 2009 J | 10.390 | 0 | 0 | $0 |
| David W Hole | Direktur | 25 Okt. 2006 A | 15.361 | 0 | 0 | $0 |
| Ronald Schumacher | Direktur | 25 Okt. 2006 A | 13.535 | 0 | 0 | $0 |
| Frederick L Bradford | Direktur | 13 Feb. 2004 P | 70.758 | 0 | 0 | $0 |
| Gerald D Cassel | Direktur | 13 Feb. 2004 P | 7.292 | 0 | 0 | $0 |
| Jill Bourland | — | 17 Agu 2026 P | 5.899 | 10 | 0 | $14.676 |
Orang dalam dari pengajuan SEC Form 3/4/5; bersih = hanya P/S pasar terbuka
Aktivis & pemilik 5%+ 1 saham
Investor yang mengajukan Jadwal 13D SEC — kepemilikan manfaat di atas 5% dengan niat untuk memengaruhi penerbit (kepemilikan aktivis, kampanye dewan, M&A). Setiap baris menunjukkan status terbaru yang diketahui dari posisi pengaju tersebut.
| Pengaju | Diajukan | Kepemilikan | Status | Tujuan | Pengajuan |
|---|---|---|---|---|---|
| Richard L. McGuirk McGuirk Investments, LLC | 5 Nov. 2021 | — | Pengajuan awal | — | 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.
Kepemilikan ETF Dimiliki oleh 16 ETF
Bobot mencerminkan kepemilikan ekuitas langsung (N-PORT) saja; dana berbasis leverage atau derivatif mungkin memiliki eksposur swap tambahan yang tidak ditampilkan.
| Dana | Bobot | Unit | Per tanggal | Sumber |
|---|---|---|---|---|
| IWC · iShares Trust | 0,07% | 23.806 SH | 8 Agu 2026 | Harian |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0,02% | 6.034 SH | 8 Agu 2026 | Harian |
| IWN · iShares Trust | 0,02% | 65.942 SH | 8 Agu 2026 | Harian |
| AVSC · AMERICAN CENTURY ETF TRUST | 0,01% | 7.115 NS | 31 Mei 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0,01% | 40.103 SH | 8 Agu 2026 | Harian |
| IWM · iShares Trust | 0,01% | 163.616 SH | 8 Agu 2026 | Harian |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0,01% | 555 SH | 8 Agu 2026 | Harian |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0,00% | 1.977 SH | 8 Agu 2026 | Harian |
| AVUV · AMERICAN CENTURY ETF TRUST | 0,00% | 12.310 NS | 31 Mei 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0,00% | 313 NS | 30 April 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0,00% | 919 NS | 30 April 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0,00% | 82.621 SH | 8 Agu 2026 | Harian |
| VTI · VANGUARD INDEX FUNDS | 0,00% | 209.680 SH | 8 Agu 2026 | Harian |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0,00% | 605 SH | 8 Agu 2026 | Harian |
| DFAT · Dimensional ETF Trust | 0,00% | 64 NS | 30 April 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0,00% | 306 NS | 30 April 2026 | N-PORT |