FS Bancorp Inc
FSBWFinancial·Banks - Regional·USA·Small·NASD·Nov 12 • 3:59 PM ET
43.21+0.11 (0.26%)
2026-11-13 13:28 CET
Market cap
$340.31M
Revenue, TTM
- USD m
Net income, TTM
28.65 USD m
Free cash flow, TTM
88.27 USD m
EPS diluted, TTM
3.80
11.37
Price
FSBW against its 20, 50 and 200-day averagesPatternshover a marker to name it
5.8% under the 52-week high of 45.85 on 17 Jul 2026. 52-week low 36.66 on 20 Mar 2026. Last 15 sessions, 6.5% high to low
Volume 0.00× normal · the session has not printed · the line is the 50-bar volume average
Setup. RS line 16
CANSLIM 2 of 6 — fails: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth This Year: High (>25%); Performance: Year +50%; Average Volume: Over 200K
VCP 6 of 6
Minervini 3 of 4 — fails: Performance: Year +50%
Zanger 2 of 5 — fails: RSI (14): Not Oversold (>50); Performance: Week +10%; Relative Volume: Over 1.5
Leaders 2 of 5 — fails: 50-Day Simple Moving Average: Price above SMA50; Performance: Year +50%; Average Volume: Over 500K
Breakout 1 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2; 50-Day Simple Moving Average: Price above SMA50
Growth 0 of 4 — fails: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth This Year: High (>25%); EPS Growth Next Year: High (>25%); Return on Equity: Over +15%
Quality 1 of 5 — fails: Return on Equity: Over +15%; Net Profit Margin: High (>20%); Debt/Equity: Low (<0.1); Current Ratio: Over 1
Value 2 of 4 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1)
Income 3 of 4 — fails: Payout Ratio: Low (<20%)
Small Cap 2 of 4 — fails: Average Volume: Over 500K; Performance: Year +50%
Accumulation 3 of 4 — fails: Institutional Transactions: Over +10%
Relative Strength 1 of 3 — fails: Performance: Year +100%; Average Volume: Over 500K
Profile
FSBW52-week range, 71% of the way up
36.6645.85
FS Bancorp, Inc. operates as a bank holding company, which engages in the provision of banking and financial services through its subsidiary. It operates through the Commercial and Consumer Banking, and Home Lending segments. The Commercial and Consumer Banking segment focuses on diversified financial products and services to its commercial and consumer customers through bank branches, automated teller machines (ATM), online banking platforms, mobile banking apps, and telephone banking. The Home Lending segment offers one-to-four-family residential mortgage loans primarily for sale in the secondary markets as well as originating adjustable rate mortgage. The company was founded in September 2011 and is headquartered in Mountlake Terrace, WA.
| Index | RUT |
|---|---|
| Employees | 580 |
| IPO | Jul 10, 2012 |
| Beta | 0.68 |
| ATR, 14d | 1.00 |
| Rel volume | 0.00 |
| Short float | 2.35% |
| Insider own | 14.73% |
| Inst own | 64.40% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | $340.31M |
| Enterprise Value | - |
| Income | 28.65M |
| Sales | 227.09M |
| Book / share | 42.35 |
| Cash / share | - |
| Dividend Est. | 1.16 (2.69%) |
| Dividend TTM | 1.16 (2.68%) |
| Dividend Ex-Date | Nov 06, 2026 |
| Dividend Gr. 3/5Y | 11.87% 21.67% |
| Payout | 26.12% |
| Employees | 580 |
| IPO | Jul 10, 2012 |
Ratios
| Price / earnings | 11.37 |
|---|---|
| Forward price / earnings | 9.67 |
| Price / earnings / growth | 2.39 |
| Price / sales | 1.50 |
| Price / book | 1.02 |
| Price / cash | - |
| Price / free cash flow | 3.86 |
| Value / cash profit | - |
| Value / sales | - |
| Quick Ratio | - |
| Current Ratio | 0.03 |
| Debt / equity | 1.28 |
| Long-term debt / equity | 1.28 |
| Options and short | No / Yes |
Earnings
| Earnings / share | 3.80 |
|---|---|
| Earnings next year | 4.47 |
| Earnings next quarter | 1.03 |
| Earnings this year | -8.08% |
| Earnings next year | 13.27% |
| Earnings growth, 5 years | 4.05% |
| Past earnings growth | 5.09% -0.90% |
| Past sales growth | 15.88% 10.52% |
| Earnings vs last year | -7.24% |
| Sales vs last year | 6.16% |
| Earnings vs last quarter | -46.33% |
| Sales vs last quarter | 6.85% |
| Earnings | Oct 21 AMC |
| Surprise | -43.07% 2.86% |
Ownership
| Insiders own | 14.73% |
|---|---|
| Insider trades | -0.85% |
| Institutions own | 64.40% |
| Institution trades | 1.71% |
| Return on assets | 0.83% |
| Return on equity | 9.04% |
| Return on capital | 3.77% |
| Gross Margin | - |
| Operating margin | 17.40% |
| Profit Margin | 12.62% |
| 20-day average | -1.79% |
| 50-day average | -1.79% |
| 200-day average | 2.63% |
Technical
| Shares out | 7.87M |
|---|---|
| Shares floating | 6.72M |
| Short / float | 2.35% |
| Short ratio | 5.71 |
| Short interest | 0.16M |
| 52-week high | 45.85 -5.8% |
| 52-week low | 36.66 +17.9% |
| Volatility | 2.06% 2.26% |
| Average range | 1.00 |
| Strength index | 40.76 |
| Market sensitivity | 0.68 |
| Relative volume | 0.00 |
| Avg Volume | 27.65K |
| Volume | 0 |
Performance
| Perf Week | -1.32% |
|---|---|
| Perf Month | -2.57% |
| Perf Quarter | -0.62% |
| Perf Half Y | 7.76% |
| Perf YTD | 4.96% |
| Perf Year | 7.89% |
| Perf 3Y | 47.15% |
| Perf 5Y | 22.38% |
| Perf 10Y | 182.59% |
| Recommendation | 3.00 |
| Target Price | 45.50 |
| Prev Close | 43.21 |
| Price | 43.21 |
| Change % | 0.00% |
Analyst ratings
latest 7 of 7| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Jul 27, 2026 | Downgrade | Brean Capital | Buy → Neutral | $45 | +4.1% |
| Jul 07, 2022 | Downgrade | Raymond James | Outperform → Mkt Perform | ||
| Jun 17, 2020 | Upgrade | Raymond James | Mkt Perform → Outperform | $45 | +4.1% |
| Jan 07, 2020 | Downgrade | Raymond James | Outperform → Mkt Perform | ||
| Sep 12, 2017 | Initiated | DA Davidson | Neutral | $52 | +20.3% |
| Apr 19, 2017 | Initiated | Raymond James | Outperform | ||
| Apr 17, 2017 | Initiated | FIG Partners | Outperform | $44 | +1.8% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| TSBK | Timberland Bancorp Inc | 370.51M |
| HFWA | Heritage Financial Corp | 1.14B |
| RVSB | Riverview Bancorp Inc | 127.71M |
| SFBC | Sound Financial Bancorp Inc | 116.92M |
| FNWB | First Northwest Bancorp | 93.56M |
| BANR | Banner Corp | 2.52B |
| NRIM | Northrim Bancorp Inc | 534.99M |
| WAFD | WaFd Inc | 2.18B |
| EBMT | Eagle Bancorp Montana Inc | 164.17M |
| COLB | Columbia Banking System Inc | 8.54B |
Insider trading
14 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Crowl Ben | Chief Lending Officer, EVP | Nov 04 '26 | Option Exercise | 22.22 | 2,604 | 57,854 | 22,111 | Nov 06 11:57 AM |
| Crowl Ben | Chief Lending Officer, EVP | Nov 05 '26 | Sale | 43.78 | 5,399 | 236,368 | 17 | Nov 06 11:57 AM |
| COSTA DONN C | Chief Home Lending Officer/EVP | Nov 04 '26 | Sale | 44.69 | 1,000 | 44,689 | 75,172 | Nov 06 11:30 AM |
| Leech Ted A. | Chairman of the Board | Oct 29 '26 | Sale | 44.01 | 6 | 277 | 202 | Oct 30 04:34 PM |
| COSTA DONN C | Chief Home Lending, EVP | Oct 26 '26 | Option Exercise | 29.30 | 36,800 | 1,078,240 | 112,972 | Oct 28 11:54 AM |
| Degner Terri L | Director | Aug 28 '26 | Sale | 43.25 | 975 | 42,169 | 1,200 | Aug 31 01:36 PM |
| Degner Terri L | Director | Aug 25 '26 | Sale | 42.72 | 1,694 | 72,368 | 0 | Aug 28 11:28 AM |
| Degner Terri L | Director | Aug 28 '26 | Proposed Sale | 43.25 | 975 | 42,169 | Aug 28 11:24 AM | |
| McCormick Sean | Chief Credit Admin. Officer | Aug 25 '26 | Sale | 42.86 | 907 | 38,874 | 4,913 | Aug 26 02:35 PM |
| McCormick Sean | Officer | Aug 25 '26 | Proposed Sale | 42.86 | 907 | 38,874 | Aug 25 10:38 AM | |
| Cofer-Wildsmith Marina | Director | Nov 21 '25 | Sale | 40.00 | 2,371 | 94,821 | 0 | Nov 24 10:12 AM |
| Cofer-Wildsmith Marina | Director | Nov 20 '25 | Sale | 40.00 | 161 | 6,440 | 2,371 | Nov 24 10:12 AM |
| Cofer-Wildsmith Marina | Director | Nov 14 '25 | Option Exercise | 29.30 | 17 | 498 | 5,607 | Nov 17 12:30 PM |
| Cofer-Wildsmith Marina | Director | Nov 14 '25 | Sale | 40.05 | 17 | 681 | 5,590 | Nov 17 12:30 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 696.31B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.86B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 33.08B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.54B |
| DFSV | US Small Cap Value Portfolio ETF Class Shares | AUM: 8.56B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.79B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.17B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.64B |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.45B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.90B |
News
latest 14 of 200- FS Bancorp, Inc. Announces the Appointment of Matthew D. Mullet as a Director of FS Bancorp, Inc. (GlobeNewswire)
- FS Bancorp: Q3 Earnings Snapshot (Associated Press)
- FS Bancorp, Inc. Reports Third Quarter Net Income of $4.9 Million or $0.63 Per Diluted Share and Declares 55th Consecutive Quarterly Cash Dividend (GlobeNewswire)
- FS Bancorp, Inc. Authorizes Share Repurchase Program (GlobeNewswire)
- FS Bancorp, Inc. Announces Completion of Acquisition of Pacific West Bancorp (GlobeNewswire)
- FS Bancorp: Q2 Earnings Snapshot (Associated Press)
- FS Bancorp, Inc. Reports Second Quarter Net Income of $7.9 Million or $1.04 Per Diluted Share and Declares 54th Consecutive Quarterly Cash Dividend (GlobeNewswire)
- FS Bancorp, Inc. Names Matt Mullet CEO (GlobeNewswire)
- FS Bancorp: Q1 Earnings Snapshot (Associated Press)
- FS Bancorp, Inc. Reports First Quarter Net Income of $7.8 Million or $1.02 Per Diluted Share and Declares 53rd Consecutive Quarterly Cash Dividend (GlobeNewswire)
- Washingtons FS Bancorp boosts Portland presence (Banking Dive)
- FS Bancorp, Inc. and Pacific West Bancorp to Merge (GlobeNewswire)
- 1st Security Bank CEO Matthew Mullet joins the Federal Reserve Bank of San Francisco's Seattle Branch Board of Directors (GlobeNewswire)
- FS Bancorp (FSBW) Reports Q4 Earnings: What Key Metrics Have to Say (Zacks)
Quarterly earnings
2026Q3 EPS 0.630 missed 1.107, from 1.180 a year earlier. Sales 41.86 beat 40.70, from 39.28 a year earlier
The outline behind the bar is the estimate. The filled bar is the print. Green beat it, red missed it.
| Period | Reported | EPS adjusted | EPS est | EPS reported | Sales act, USD m | Sales est, USD m | Surprise | Year-ago quarter | Analysts | Next session |
|---|---|---|---|---|---|---|---|---|---|---|
| 2026Q3ended 2026-09-30 | 2026-10-21 16:30 | 0.630 | 1.107 | 0.630 | 41.86 | 40.70 | EPS -43.1% · sales +2.9% | vs 2025Q3, year-ago quarter · EPS -46.6% · sales +6.6% | 3 EPS · 2 sales | Open -4.96% vs SPY -0.87%. Close +0.05% vs SPY -1.18% |
| 2026Q2ended 2026-06-30 | 2026-07-21 16:30 | 1.040 | 1.083 | 1.042 | 38.80 | 38.00 | EPS -4.0% · sales +2.1% | vs 2025Q2, year-ago quarter · EPS +5.1% · sales +4.1% | 3 EPS · 2 sales | Open -3.97% vs SPY -0.22%. Close -2.36% vs SPY -0.12% |
| 2026Q1ended 2026-03-31 | 2026-04-21 16:30 | 1.020 | 1.013 | 1.022 | 37.95 | 37.70 | EPS +0.7% · sales +0.7% | vs 2025Q1, year-ago quarter · EPS +1.0% · sales +5.1% | 3 EPS · 2 sales | Open -0.87% vs SPY +0.72%. Close -0.36% vs SPY +1.01% |
| 2025Q4ended 2025-12-31 | 2026-01-21 16:30 | 1.100 | 1.127 | 1.102 | 40.01 | 38.20 | EPS -2.4% · sales +4.7% | vs 2024Q4, year-ago quarter · EPS +19.6% · sales +12.0% | 3 EPS · 2 sales | Open -2.95% vs SPY +0.65%. Close +0.53% vs SPY +0.52% |
| 2025Q3ended 2025-09-30 | 2025-10-21 16:30 | 1.180 | 1.080 | 1.181 | 39.28 | 37.90 | EPS +9.3% · sales +3.7% | vs 2024Q3, year-ago quarter · EPS -8.5% · sales +5.6% | 3 EPS · 2 sales | Open +0.65% vs SPY +0.11%. Close +3.36% vs SPY -0.52% |
| 2025Q2ended 2025-06-30 | 2025-07-22 16:30 | 0.990 | 0.967 | 0.987 | 37.28 | 36.55 | EPS +2.4% · sales +2.0% | vs 2024Q2, year-ago quarter · EPS -12.4% · sales +2.7% | 3 EPS · 2 sales | Open +1.43% vs SPY +0.43%. Close +0.82% vs SPY +0.85% |
| 2025Q1ended 2025-03-31 | 2025-04-22 16:30 | 1.010 | 0.933 | 1.010 | 36.11 | 36.05 | EPS +8.2% · sales +0.2% | vs 2024Q1, year-ago quarter · EPS -4.7% · sales +1.8% | 3 EPS · 2 sales | Open +1.45% vs SPY +2.50%. Close +3.67% vs SPY +1.55% |
| 2024Q4ended 2024-12-31 | 2025-01-21 16:30 | 0.920 | 1.043 | 0.919 | 35.72 | 36.33 | EPS -11.8% · sales -1.7% | vs 2023Q4, year-ago quarter · EPS -25.2% · sales -0.5% | 3 EPS · 2 sales | Open -3.96% vs SPY +0.48%. Close -4.67% vs SPY +0.56% |
| 2024Q3ended 2024-09-30 | 2024-10-22 16:30 | 1.290 | 1.147 | 1.289 | 37.21 | 36.30 | EPS +12.5% · sales +2.5% | vs 2023Q3, year-ago quarter · EPS +14.2% · sales +4.5% | 3 EPS · 2 sales | Open +0.97% vs SPY -0.35%. Close +0.09% vs SPY -0.91% |
| 2024Q2ended 2024-06-30 | 2024-07-25 12:00 | 1.130 | 1.063 | 1.131 | 36.30 | 36.00 | EPS +6.3% · sales +0.8% | vs 2023Q2, year-ago quarter · EPS -2.6% · sales -0.2% | 3 EPS · 2 sales | Open +0.77% vs SPY +0.02%. Close +3.99% vs SPY -0.52% |
| 2024Q1ended 2024-03-31 | 2024-04-24 16:30 | 1.060 | 0.980 | 1.056 | 35.46 | 34.50 | EPS +8.2% · sales +2.8% | vs 2023Q1, year-ago quarter · EPS -12.4% · sales -1.2% | 3 EPS · 2 sales | Open +0.80% vs SPY -1.23%. Close +0.19% vs SPY -0.38% |
| 2023Q4ended 2023-12-31 | 2024-01-24 16:30 | 1.230 | 1.020 | 1.234 | 35.91 | 34.75 | EPS +20.6% · sales +3.3% | vs 2022Q4, year-ago quarter · EPS +26.8% · sales +8.8% | 3 EPS · 2 sales | Open +2.04% vs SPY +0.45%. Close +5.99% vs SPY +0.54% |
| 2023Q3ended 2023-09-30 | 2023-10-25 16:30 | 1.130 | 1.117 | 1.132 | 35.62 | 36.05 | EPS +1.2% · sales -1.2% | vs 2022Q3, year-ago quarter · EPS +4.6% · sales +12.3% | 3 EPS · 2 sales | - |
| 2023Q2ended 2023-06-30 | 2023-07-26 16:30 | 1.160 | 1.217 | 1.156 | 36.39 | 36.70 | EPS -4.7% · sales -0.9% | vs 2022Q2, year-ago quarter · EPS +39.8% · sales +25.1% | 3 EPS · 2 sales | - |
| 2023Q1ended 2023-03-31 | 2023-04-26 16:30 | 1.210 | 1.020 | 1.037 | 35.88 | 34.40 | EPS +18.7% · sales +4.3% | vs 2022Q1, year-ago quarter · EPS +49.4% · sales +25.5% | 3 EPS · 2 sales | - |
| 2022Q4ended 2022-12-31 | 2023-01-25 16:30 | 0.970 | 1.110 | 0.970 | 33.00 | 32.15 | EPS -12.6% · sales +2.6% | vs 2021Q4, year-ago quarter · EPS -4.0% · sales +7.9% | 3 EPS · 2 sales | - |
Annual earnings
2025FY EPS 4.290 missed 4.317, from 4.360 a year earlier. Sales 152.68 beat 150.9, from 144.66 a year earlier
Reported years only. The outline behind the bar is the estimate. A later year with no print stays in the table.
earnings feed, not the snapshot. Not the statement ratio.
| Period | EPS adjusted | EPS est | EPS reported | Sales act, USD m | Sales est, USD m | P/E, earnings feed |
|---|---|---|---|---|---|---|
| 2028FYestimate | - | 4.833 | - | - | 183.82 | 8.94 |
| 2027FYestimate | - | 4.467 | - | - | 175.15 | 9.67 |
| 2026FYestimate | - | 3.943 | - | - | 160.65 | 10.96 |
| 2025FY | 4.290 | 4.317 | 4.290 | 152.68 | 150.9 | 9.60 |
| 2024FY | 4.360 | 4.060 | 4.365 | 144.66 | 141.25 | 9.37 |
| 2023FY | 4.560 | 4.527 | 4.562 | 143.79 | 142.65 | 8.06 |
| 2022FY | 3.700 | 3.820 | 3.695 | 122.39 | 120.9 | 8.99 |
| 2021FY | 4.320 | 4.157 | 4.316 | 124.16 | 122.75 | 7.72 |
| 2020FY | 4.485 | 3.788 | 4.487 | 129.48 | 120.6 | 6.05 |
| 2019FY | 2.505 | 2.748 | 2.503 | 93.34 | 94.30 | 12.62 |
| 2018FY | 2.335 | 2.265 | 3.146 | 78.95 | 71.35 | 9.10 |
| 2017FY | 2.140 | 2.100 | 2.140 | 65.32 | 66.05 | 12.64 |
| 2016FY | 1.763 | - | 1.756 | 57.40 | - | 10.11 |
Estimate revisions
Latest snapshot of each period and type. 2026FY E 3.94 per share.
| Period | Type | Scale | Date | Mean | vs prior date |
|---|---|---|---|---|---|
| 2026FY | E | per share | 2026-10-26 | 3.94 | -4.0% |
| 2026Q4 | E | per share | 2026-10-26 | 1.03 | -2.2% |
| 2026FY | R | per share | 2026-10-26 | 3.67 | -3.3% |
| 2026Q4 | R | per share | 2026-10-26 | 0.96 | -0.4% |
| 2026Q4 | S | per share | 2026-10-23 | 42.85 | +0.2% |
| 2026FY | S | - | 2026-10-23 | 160.65 | -0.1% |
| 2026Q3 | E | per share | 2026-10-07 | 1.11 | 0.0% |
| 2026Q3 | R | per share | 2026-10-07 | 0.98 | 0.0% |
| 2026Q3 | S | per share | 2026-10-05 | 40.70 | 0.0% |
| 2026Q2 | E | per share | 2026-07-18 | 1.08 | 0.0% |
| 2026Q2 | R | per share | 2026-07-18 | 1.05 | 0.0% |
| 2026Q2 | S | per share | 2026-07-06 | 38.00 | 0.0% |
| 2026Q1 | E | per share | 2026-04-08 | 1.01 | 0.0% |
| 2026Q1 | R | per share | 2026-04-08 | 1.00 | 0.0% |
| 2026Q1 | S | per share | 2026-04-08 | 37.70 | 0.0% |
| 2025FY | E | per share | 2026-01-05 | 4.32 | 0.0% |
| 2025Q4 | E | per share | 2026-01-05 | 1.13 | 0.0% |
| 2025FY | R | per share | 2026-01-05 | 4.33 | 0.0% |
| 2025Q4 | R | per share | 2026-01-05 | 1.13 | 0.0% |
| 2025Q4 | S | per share | 2026-01-05 | 38.20 | 0.0% |
| 2025FY | S | - | 2026-01-05 | 150.9 | 0.0% |
| 2025Q3 | E | per share | 2025-10-11 | 1.08 | 0.0% |
| 2025Q3 | R | per share | 2025-10-11 | 1.08 | 0.0% |
| 2025Q3 | S | per share | 2025-10-06 | 37.90 | 0.0% |
| 2025Q2 | E | per share | 2025-07-09 | 0.97 | 0.0% |
| 2025Q2 | R | per share | 2025-07-09 | 0.97 | 0.0% |
| 2025Q2 | S | per share | 2025-07-07 | 36.55 | 0.0% |
| 2025Q1 | E | per share | 2025-04-07 | 0.93 | 0.0% |
| 2025Q1 | R | per share | 2025-04-07 | 0.93 | 0.0% |
| 2025Q1 | S | per share | 2025-04-07 | 36.05 | 0.0% |
| 2024FY | E | per share | 2025-01-19 | 4.06 | 0.0% |
| 2024Q4 | E | per share | 2025-01-19 | 1.04 | 0.0% |
| 2024FY | R | per share | 2025-01-19 | 4.54 | 0.0% |
| 2024Q4 | R | per share | 2025-01-19 | 1.04 | 0.0% |
| 2024Q4 | S | per share | 2025-01-06 | 36.33 | 0.0% |
| 2024FY | S | - | 2025-01-06 | 141.25 | 0.0% |
| 2024Q3 | E | per share | 2024-10-08 | 1.15 | 0.0% |
| 2024Q3 | R | per share | 2024-10-08 | 1.15 | 0.0% |
| 2024Q2 | E | per share | 2024-08-27 | 1.13 | +2.1% |
| 2024Q2 | R | per share | 2024-08-27 | 1.13 | 0.0% |
| 2024Q2 | S | per share | 2024-08-27 | 36.30 | 0.0% |
| 2024Q3 | S | per share | 2024-08-27 | 36.30 | +2.0% |
| 2024Q1 | E | per share | 2024-04-14 | 0.98 | 0.0% |
| 2024Q1 | R | per share | 2024-04-14 | 0.98 | 0.0% |
| 2024Q1 | S | per share | 2024-04-09 | 34.50 | 0.0% |
| 2023FY | E | per share | 2024-01-10 | 4.53 | 0.0% |
| 2023FY | R | per share | 2024-01-10 | 4.37 | 0.0% |
| 2023FY | S | - | 2023-10-27 | 142.65 | -0.3% |
Estimate history
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | MRQ |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EPS per share | 2.14 | 3.146 | 2.503 | 4.487 | 4.316 | 3.695 | 4.562 | 4.365 | 4.289 | 3.7989 | - |
| Sales USD millions | 68 | 90 | 113 | 133 | 133 | 141 | 188 | 206 | 219 | 227 | - |
| Shares million shares | 7 | 9 | 9 | 8 | 8 | 8 | 8 | 8 | 8 | - | 8 |
| Metric | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|---|
| EPS per share | 1.289 | 0.919 | 1.01 | 0.987 | 1.181 | 1.102 | 1.022 | 1.042 | 0.634 |
| Sales USD millions | 53 | 52 | 52 | 54 | 56 | 57 | 54 | 56 | 60 |
| Shares million shares | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 7 | 8 |
Income statement, annual
| Metric | TTM | 2025FY12/31/2025 | 2024FY12/31/2024 | 2023FY12/31/2023 | 2022FY12/31/2022 | 2021FY12/31/2021 | 2020FY12/31/2020 | 2019FY12/31/2019 | 2018FY12/31/2018 |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 203.20 | 197.25+6.7% | 184.84+10.6% | 167.19+40.9% | 118.69+23.2% | 96.37+8.5% | 88.84-0.9% | 89.62+43.8% | 62.33 |
| Total Interest Expense | 68.70 | 66.84+8.3% | 61.73+40.6% | 43.89+204.6% | 14.41+48.3% | 9.72-34.0% | 14.72-23.8% | 19.32+88.9% | 10.23 |
| Net Interest Income | 134.50 | 130.41+5.9% | 123.11-0.2% | 123.30+18.2% | 104.28+20.3% | 86.65+16.9% | 74.12+5.4% | 70.31+35.0% | 52.10 |
| Loan Loss Provision | 12.26 | 9.55+73.3% | 5.51+15.5% | 4.77-23.3% | 6.22+1144.0% | 0.50-96.2% | 13.04+352.8% | 2.88+87.0% | 1.54 |
| Net Interest Income After Loan Loss Provision | 122.25 | 120.86+2.8% | 117.59-0.8% | 118.53+20.9% | 98.06+13.8% | 86.15+41.0% | 61.08-9.4% | 67.43+33.4% | 50.56 |
| Non-Interest Income | 23.89 | 22.02+2.1% | 21.57+5.5% | 20.44-7.9% | 22.20-39.8% | 36.85-16.5% | 44.11+92.7% | 22.89-17.1% | 27.62 |
| Non-Interest Expense | 106.61 | 101.76+4.3% | 97.58+5.9% | 92.14+11.8% | 82.38+9.0% | 75.58+36.5% | 55.35-8.4% | 60.43+25.5% | 48.15 |
| Operating Income | 39.52 | 41.12-1.1% | 41.58-11.2% | 46.83+23.6% | 37.89-20.1% | 47.42-4.9% | 49.85+66.8% | 29.89-0.5% | 30.03 |
| Unusual Expense | 3.17 | 0.00 | 0.00-100.0% | 1.56+73.3% | 0.90 | 0.00 | 0.00-100.0% | 1.76+26.6% | 1.39 |
| Net Income Before Taxes | 36.35 | 41.12-1.1% | 41.58-8.2% | 45.27+22.4% | 36.99-22.0% | 47.42-4.9% | 49.85+77.2% | 28.13-1.5% | 28.57 |
| Income Taxes | 7.24 | 7.77+18.4% | 6.56-28.9% | 9.22+25.6% | 7.34-26.7% | 10.01-5.5% | 10.59+95.7% | 5.41+28.2% | 4.22 |
| Consolidated Net Income | 28.65 | 32.78-4.8% | 34.45-2.9% | 35.48+22.0% | 29.09-21.0% | 36.80-5.8% | 39.07+72.6% | 22.64-7.0% | 24.35 |
| Net Income From Continuing Operations | 28.65 | 32.78-4.8% | 34.45-2.9% | 35.48+22.0% | 29.09-21.0% | 36.80-5.8% | 39.07+72.6% | 22.64-7.0% | 24.35 |
| Net Income | 28.65 | 32.78-4.8% | 34.45-2.9% | 35.48+22.0% | 29.09-21.0% | 36.80-5.8% | 39.07+72.6% | 22.64-7.0% | 24.35 |
| EPS (Recurring) per share | 4.02 | 4.29-1.6% | 4.36-7.2% | 4.70+24.3% | 3.78-12.5% | 4.32-3.8% | 4.49+70.1% | 2.64-19.3% | 3.27 |
| EPS (Basic, Before Extraordinaries) per share | 3.87 | 4.35-2.9% | 4.48-3.2% | 4.63+23.5% | 3.75-15.2% | 4.42-3.3% | 4.57+78.5% | 2.56-22.2% | 3.29 |
| EPS (Diluted) per share | 3.80 | 4.29-1.6% | 4.36-4.4% | 4.56+23.2% | 3.70-14.4% | 4.32-3.8% | 4.49+79.6% | 2.50-20.6% | 3.15 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.07 |
| Other After Tax Adjustments | -0.46 | -0.57 | -0.57 | -0.58 | -0.55 | -0.61 | -0.19 | -0.07 | 0.00 |
| Stock Option Compensation Expense | 2.00 | 1.78+24.5% | 1.43-10.1% | 1.59+1.9% | 1.56+47.2% | 1.06+68.3% | 0.63-63.6% | 1.73+183.6% | 0.61 |
| Price To Earnings Ratio ratio statement ratio, not the snapshot | 11.37 | 11.37 | 8.67 | 8.56 | 8.90 | 7.74 | 6.04 | 12.58 | 6.87 |
| Price To Sales Ratio ratio | 1.46 | 1.44 | 1.57 | 1.53 | 1.87 | 2.15 | 1.79 | 2.56 | 1.84 |
| Operating Margin % | 17.40 | 18.75 | 20.14 | 24.96 | 26.89 | 35.59 | 37.50 | 26.56 | 33.39 |
| Net Margin % | 12.62 | 14.95 | 16.69 | 18.91 | 20.65 | 27.62 | 29.39 | 20.13 | 27.07 |
| Shares Outstanding million shares | 7.87 | 7.51-4.1% | 7.83+0.4% | 7.80+0.8% | 7.74-5.3% | 8.17-1.7% | 8.31-4.8% | 8.73-1.1% | 8.83 |
| Market Capitalization | 340.31 | 340.31+6.6% | 319.17+11.4% | 286.59+11.9% | 256.19-6.1% | 272.86+20.9% | 225.75-18.2% | 276.06+47.2% | 187.60 |
Income statement, quarterly
| Metric | 2026Q39/30/2026 | 2026Q26/30/2026 | 2026Q13/31/2026 | 2025Q412/31/2025 | 2025Q39/30/2025 | 2025Q26/30/2025 | 2025Q13/31/2025 | 2024Q412/31/2024 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 53.42+4.8% | 49.66+2.0% | 49.33+5.4% | 50.78+8.1% | 50.97+8.4% | 48.70+6.0% | 46.79+4.3% | 46.97+5.7% |
| Total Interest Expense | 17.73+2.6% | 17.01+2.5% | 16.79+6.2% | 17.16+8.2% | 17.28+9.4% | 16.59+6.8% | 15.81+8.8% | 15.86+13.4% |
| Net Interest Income | 35.69+5.9% | 32.65+1.7% | 32.55+5.1% | 33.62+8.1% | 33.69+7.8% | 32.11+5.6% | 30.98+2.1% | 31.11+2.2% |
| Loan Loss Provision | 3.46+49.8% | 2.64+30.7% | 2.53+59.1% | 3.62+138.2% | 2.31+53.0% | 2.02+87.0% | 1.59+13.6% | 1.52+8.6% |
| Net Interest Income After Loan Loss Provision | 32.22+2.7% | 30.01-0.3% | 30.02+2.1% | 30.00+1.4% | 31.38+5.5% | 30.09+2.6% | 29.39+1.5% | 29.59+1.9% |
| Non-Interest Income | 6.74+26.5% | 6.26+23.5% | 4.62-4.1% | 6.27+19.2% | 5.33-10.6% | 5.07-14.9% | 4.82-1.0% | 5.26-8.2% |
| Non-Interest Expense | 30.42+21.1% | 25.80+1.6% | 24.44-1.3% | 25.95+3.8% | 25.13-2.7% | 25.40+6.1% | 24.75+6.3% | 25.00+10.3% |
| Operating Income | 8.55-26.2% | 10.47+7.3% | 10.19+7.7% | 10.31+4.7% | 11.59+17.4% | 9.76-13.9% | 9.46-10.2% | 9.85-18.7% |
| Unusual Expense | 2.46 | 0.42 | 0.29 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 6.09-47.5% | 10.05+3.0% | 9.90+4.7% | 10.31+4.7% | 11.59+17.4% | 9.76-13.9% | 9.46-10.2% | 9.85-18.5% |
| Income Taxes | 1.16-51.9% | 2.12+4.4% | 2.07+43.8% | 1.89-23.5% | 2.41 | 2.03-14.7% | 1.44-32.4% | 2.47+7.4% |
| Consolidated Net Income | 4.87-45.9% | 7.80+2.8% | 7.69-2.5% | 8.30+14.3% | 9.00-11.1% | 7.59-13.9% | 7.89-4.6% | 7.26-24.5% |
| Net Income From Continuing Operations | 4.87-45.9% | 7.80+2.8% | 7.69-2.5% | 8.30+14.3% | 9.00-11.1% | 7.59-13.9% | 7.89-4.6% | 7.26-24.5% |
| Net Income | 4.87-45.9% | 7.80+2.8% | 7.69-2.5% | 8.30+14.3% | 9.00-11.1% | 7.59-13.9% | 7.89-4.6% | 7.26-24.5% |
| EPS (Recurring) per share | 0.86-27.1% | 1.08+9.1% | 1.05+4.0% | 1.10+19.6% | 1.18-8.5% | 0.99-12.4% | 1.01-4.7% | 0.92-25.2% |
| EPS (Basic, Before Extraordinaries) per share | 0.65-45.8% | 1.06+6.0% | 1.04+2.0% | 1.12+19.1% | 1.20-9.1% | 1.00-13.0% | 1.02-4.7% | 0.94-24.8% |
| EPS (Diluted) per share | 0.63-46.6% | 1.04+5.1% | 1.02+1.0% | 1.10+19.6% | 1.18-8.5% | 0.99-12.4% | 1.01-4.7% | 0.92-25.2% |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | -0.06 | -0.14 | -0.14 | -0.12 | -0.18 | -0.13 | -0.14 | -0.12 |
| Stock Option Compensation Expense | 0.50+8.7% | 0.51+21.4% | 0.50+25.0% | 0.50+13.6% | 0.460.0% | 0.42+35.5% | 0.40+29.0% | 0.44+37.5% |
| Price To Earnings Ratio ratio statement ratio, not the snapshot | 11.37 | 10.11 | 9.02 | 10.05 | 9.49 | 9.00 | 8.60 | 8.67 |
| Price To Sales Ratio ratio | 1.46 | 1.45 | 1.31 | 1.42 | 1.42 | 1.44 | 1.42 | 1.57 |
| Operating Margin % | 14.21 | 18.72 | 18.89 | 18.08 | 20.58 | 18.15 | 18.33 | 18.86 |
| Net Margin % | 8.09 | 13.94 | 14.26 | 14.54 | 15.99 | 14.12 | 15.28 | 13.90 |
| Shares Outstanding million shares | 7.87+4.4% | 7.42-2.6% | 7.50-3.1% | 7.51-4.1% | 7.54-3.6% | 7.62-1.6% | 7.74-0.9% | 7.83+0.4% |
| Market Capitalization | 340.31+12.2% | 321.79+6.8% | 289.48-1.3% | 309.54-3.0% | 303.25-11.5% | 301.42+6.5% | 293.41+10.4% | 319.17+11.4% |
Balance sheet, annual
| Metric | 2025FY12/31/2025 | 2024FY12/31/2024 | 2023FY12/31/2023 | 2022FY12/31/2022 | 2021FY12/31/2021 | 2020FY12/31/2020 | 2019FY12/31/2019 | 2018FY12/31/2018 | 2017FY12/31/2017 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 13.50-30.0% | 19.28+12.9% | 17.08+62.2% | 10.53-12.5% | 12.04+4.2% | 11.55-12.4% | 13.18+40.1% | 9.41+209.5% | 3.04 |
| Investments | 390.46+10.1% | 354.79-13.2% | 408.77+30.1% | 314.19-28.1% | 437.22-4.1% | 455.75+76.7% | 257.86+26.3% | 204.24+17.6% | 173.62 |
| Net Loans | 2,623.17+4.8% | 2,501.95+4.2% | 2,401.48+9.6% | 2,190.86+26.7% | 1,728.54+11.9% | 1,544.98+15.6% | 1,336.35+1.8% | 1,312.52+72.3% | 761.56 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | - | - | 0.00-100.0% | 0.57 | 0.00-100.0% | 0.09-47.1% | 0.17-75.4% | 0.69 | - |
| Net Property, Plant & Equipment | 49.85+41.9% | 35.13-5.6% | 37.20+18.7% | 31.34+0.6% | 31.15-3.5% | 32.29-4.4% | 33.79+16.1% | 29.11+88.3% | 15.46 |
| Interest Receivables | 14.61+5.3% | 13.88-0.9% | 14.01+25.8% | 11.14+46.8% | 7.59+8.0% | 7.03+19.0% | 5.91+2.6% | 5.76+61.3% | 3.57 |
| Deferred Tax Assets | 14.80-6.1% | 15.76-7.6% | 17.05+155.6% | 6.67-12.0% | 7.58-14.0% | 8.81+45.9% | 6.04+9.4% | 5.52+144.2% | 2.26 |
| Other Intangible Assets | 98.25+1.2% | 97.08+11.1% | 87.40+29.3% | 67.59-3.2% | 69.84+13.5% | 61.54-6.5% | 65.81+9.8% | 59.92+144.3% | 24.53 |
| Total Assets | 3,204.65+5.5% | 3,037.88+1.8% | 2,983.00+13.3% | 2,632.90+14.8% | 2,293.97+8.1% | 2,122.05+23.4% | 1,719.09+5.6% | 1,627.17+65.4% | 984.04 |
| Total Deposits | 2,673.64+14.3% | 2,339.42-7.3% | 2,522.32+18.5% | 2,127.74+11.1% | 1,915.74+14.4% | 1,674.07+20.2% | 1,392.41+9.3% | 1,274.22+53.6% | 829.84 |
| Total Debt | 184.85-49.1% | 362.96+141.8% | 150.12-38.1% | 242.46+150.7% | 96.71-46.6% | 180.99+81.1% | 99.96-32.0% | 147.01+746.3% | 17.37 |
| Long Term Debt | 182.87-49.4% | 361.25+143.8% | 148.19-38.5% | 240.95+152.8% | 95.32-46.9% | 179.67+82.1% | 98.67-32.9% | 147.01+746.3% | 17.37 |
| Provision for Risks Charges | 1.80-10.0% | 2.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 7.81-10.3% | 8.71-15.7% | 10.33 | - | 8.76-1.2% | 8.87+10.7% | 8.01+36.2% | 5.88+104.9% | 2.87 |
| Other Liabilities | 28.86-0.6% | 29.04-18.7% | 35.74+15.3% | 31.00+22.8% | 25.24-10.2% | 28.12+52.2% | 18.47-7.7% | 20.01+67.3% | 11.96 |
| Total Liabilities | 2,896.96+5.6% | 2,742.11+0.9% | 2,718.51+13.2% | 2,401.20+17.3% | 2,046.46+8.2% | 1,892.05+24.6% | 1,518.85+5.0% | 1,447.13+67.9% | 862.04 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 307.69+4.0% | 295.77+11.8% | 264.49+14.2% | 231.70-6.4% | 247.51+7.6% | 230.01+14.9% | 200.24+11.2% | 180.04+47.6% | 122.00 |
| Total Shareholders Equity | 307.69+4.0% | 295.77+11.8% | 264.49+14.2% | 231.70-6.4% | 247.51+7.6% | 230.01+14.9% | 200.24+11.2% | 180.04+47.6% | 122.00 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 307.69+4.0% | 295.77+11.8% | 264.49+14.2% | 231.70-6.4% | 247.51+7.6% | 230.01+14.9% | 200.24+11.2% | 180.04+47.6% | 122.00 |
| Total Liabilities & Stockholders Equity | 3,204.65+5.5% | 3,037.88+1.8% | 2,983.00+13.3% | 2,632.90+14.8% | 2,293.97+8.1% | 2,122.05+23.4% | 1,719.09+5.6% | 1,627.17+65.4% | 984.04 |
| Book Value Per Share per share | 40.98+8.5% | 37.76+11.4% | 33.91+13.2% | 29.95-1.2% | 30.30+9.5% | 27.67+20.7% | 22.93+12.5% | 20.39+18.3% | 17.23 |
| Tangible Book Value Per Share per share | 39.11+10.0% | 35.55+13.9% | 31.22+6.8% | 29.22-1.0% | 29.52+10.1% | 26.82+21.7% | 22.04+13.5% | 19.42+16.1% | 16.72 |
| Tier 1 Capital | 351.23+4.4% | 336.42+9.3% | 307.69 | - | - | - | 191.69+10.8% | 172.99+45.2% | 119.11 |
| Tier 2 Capital | 33.98+4.4% | 32.54+2.5% | 31.75 | - | - | - | 13.52+6.9% | 12.65+22.6% | 10.32 |
| Full-Time Employees people | 580+3.2% | 562-1.4% | 570+6.1% | 537+0.2% | 536+5.9% | 506+11.9% | 452+6.6% | 424+30.1% | 326 |
| Price to Book Ratio ratio | 1.02 | 1.10 | 1.14 | 1.16 | 1.10 | 0.98 | 1.38 | 1.04 | 1.68 |
| Return on Assets % | 1.05 | 1.14 | 1.26 | 1.18 | 1.67 | 2.03 | 1.35 | 1.86 | 1.55 |
| Return on Equity % | 10.86 | 12.30 | 14.30 | 12.14 | 15.41 | 18.16 | 11.91 | 16.12 | 13.87 |
| Return on Invested Capital % | 6.68 | 5.24 | 8.60 | 6.16 | 10.73 | 9.54 | 7.58 | 7.44 | 10.11 |
| Current Ratio ratio | 0.02 | 0.02 | 0.05 | 0.04 | 0.04 | 0.10 | 0.08 | 0.08 | 0.08 |
Cash flow, annual
| Metric | TTM | 2025FY12/31/2025 | 2024FY12/31/2024 | 2023FY12/31/2023 | 2022FY12/31/2022 | 2021FY12/31/2021 | 2020FY12/31/2020 | 2019FY12/31/2019 | 2018FY12/31/2018 |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 106.60 | 71.96+50.1% | 47.95-41.1% | 81.40-55.7% | 183.71+60.1% | 114.73 | -42.42-359.3% | 16.36-23.0% | 21.25 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -0.44 | 0.35-87.8% | 2.87 | -3.73-413.4% | 1.19 | -5.72-156.6% | 10.10 | -7.18-3878.9% | 0.19 |
| Cash from Operating Activities | 106.16 | 72.31+42.3% | 50.82-34.6% | 77.67-58.0% | 184.90+69.6% | 109.01 | -32.32-452.1% | 9.18-57.2% | 21.44 |
| Capital Expenditures | -17.89 | -20.37 | -1.64 | -1.67 | -1.55 | -1.98 | -1.38 | -2.46 | -6.80 |
| Net Assets From Acquisitions | 136.13 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00-100.0% | 336.16 | 0.00 | 0.00 | 0.00 | 0.00-100.0% | 23.75 |
| Purchase or Sale of Investments | 5.24 | -26.34-383.8% | 9.28 | -58.02 | -2.62 | -100.19 | -56.64 | -25.53-885.5% | 3.25 |
| Purchase of Investments | -81.79 | -99.62 | -110.34 | -76.03 | -23.97 | -130.14 | -106.89 | -61.28 | -31.31 |
| Sale Or Maturity of Investments | 87.03 | 73.28-38.7% | 119.62+564.2% | 18.01-15.6% | 21.35-28.7% | 29.94-40.4% | 50.25+40.6% | 35.75+3.5% | 34.55 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 2.54 | 3.31-79.9% | 16.49 | 0.00-100.0% | 1.17 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -90.03 | -206.43 | -104.20-234.2% | 77.67 | -504.04 | -310.83 | -270.69 | -55.20 | -186.96 |
| Cash Dividends Paid | -8.59 | -10.26 | -8.27 | -7.76 | -7.10 | -4.60 | -3.57 | -2.86 | -1.92 |
| Change in Capital Stock | -7.15 | -14.26 | -3.07-1905.9% | 0.17 | -14.75 | -16.25 | -10.00 | -4.30-594.3% | 0.87 |
| Repurchase of Common Pref Stock | -8.48 | -15.42 | -2.51 | -0.58 | -15.82 | -14.17 | -9.84 | -5.00 | -0.25 |
| Sale of Common Pref Stock | 1.33 | 1.17 | -0.56-175.7% | 0.74-30.8% | 1.07 | -2.08 | -0.16-122.9% | 0.70-37.5% | 1.12 |
| Proceedsfrom Stock Options | 1.22 | 1.22+14.0% | 1.07+4.9% | 1.02+104.0% | 0.50 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 244.19 | -178.50-183.4% | 214.06 | -92.78-164.4% | 144.00 | -83.95-203.7% | 80.94 | -52.54-156.6% | 92.87 |
| Change in Long Term Debt | 244.19 | -178.50-183.4% | 214.06 | -92.78-164.4% | 144.00 | -83.95-203.7% | 80.95 | -52.54-156.6% | 92.87 |
| Issuance of Long Term Debt | 636.50 | 949.94-1.8% | 967.77-55.3% | 2,164.34-27.9% | 3,003.62+1415.1% | 198.24-67.0% | 601.16+49.7% | 401.45-56.2% | 917.24 |
| Reduction of Long Term Debt | -392.31 | -1,128.44 | -753.71 | -2,257.12 | -2,859.62 | -282.19 | -520.21 | -453.98 | -824.37 |
| Net Financing Active Other Cash Flow | 0.00 | -0.46 | -0.39 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | -0.46 | -0.39 | - | - | - | - | - | - |
| Cash from Financing Activities | -30.47 | 130.70+576.5% | 19.32 | -131.08-139.2% | 334.09+144.3% | 136.74-60.8% | 348.81+491.0% | 59.02-67.1% | 179.39 |
| Net Change in Cash | -17.33 | -3.42 | -34.06-240.5% | 24.25+62.2% | 14.95 | -65.08-242.1% | 45.80+252.3% | 13.00-6.2% | 13.86 |
| Free Cash Flow | 88.27 | 51.94+5.6% | 49.19-35.3% | 76.00-58.5% | 183.35+71.3% | 107.03 | -33.70-602.2% | 6.71-62.0% | 17.64 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow ratio | 4.17 | 7.55 | 7.92 | 4.21 | 1.49 | 2.80 | - | 74.79 | 10.55 |
| Federal Home Loan Advances Increase (Decrease) | - | 7.65 | -13.51-258.9% | 8.50 | -5.83-319.2% | 2.66+336.1% | 0.61-66.8% | 1.84 | -7.02 |
Balance sheet, quarterly
| Metric | 2026Q39/30/2026 | 2026Q26/30/2026 | 2026Q13/31/2026 | 2025Q412/31/2025 | 2025Q39/30/2025 | 2025Q26/30/2025 | 2025Q13/31/2025 | 2024Q412/31/2024 |
|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 29.02+134.2% | 12.84-15.4% | 12.42-33.4% | 13.50-30.0% | 12.39-31.0% | 15.17-24.2% | 18.66+8.8% | 19.28+12.9% |
| Investments | 438.68-0.4% | 371.18-11.8% | 399.31+2.9% | 390.46+10.1% | 440.60+32.6% | 420.80+27.6% | 387.91-3.5% | 354.79-13.2% |
| Net Loans | 3,008.13+15.7% | 2,628.99+1.8% | 2,624.09+4.9% | 2,623.17+4.8% | 2,599.60+5.5% | 2,582.27+5.1% | 2,501.12+3.5% | 2,501.95+4.2% |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 56.95+45.0% | 50.11+31.6% | 49.08+42.6% | 49.85+41.9% | 39.28+11.0% | 38.07+6.4% | 34.43-5.7% | 35.13-5.6% |
| Interest Receivables | 16.90+11.8% | 14.26-0.1% | 15.33+6.4% | 14.61+5.3% | 15.12+7.9% | 14.27+3.5% | 14.41-0.3% | 13.88-0.9% |
| Deferred Tax Assets | 9.47+39.9% | 6.44-17.2% | 7.17+2.3% | 14.80-6.1% | 6.77+60.4% | 7.78+69.5% | 7.01+45.1% | 15.76-7.6% |
| Other Intangible Assets | 117.50+23.6% | 95.26-2.4% | 96.09-6.3% | 98.25+1.2% | 95.07-7.5% | 97.65+21.6% | 102.55+29.4% | 97.08+11.1% |
| Total Assets | 3,676.65+14.6% | 3,179.08+0.1% | 3,203.51+4.5% | 3,204.65+5.5% | 3,208.82+8.0% | 3,176.01+8.0% | 3,066.08+3.2% | 3,037.88+1.8% |
| Total Deposits | 2,867.20+6.7% | 2,448.88-4.1% | 2,637.58+0.9% | 2,673.64+14.3% | 2,686.49+10.7% | 2,553.38+7.2% | 2,615.15+6.1% | 2,339.42-7.3% |
| Total Debt | 427.13+129.7% | 380.95+30.4% | 222.55+80.1% | 184.85-49.1% | 185.94-15.1% | 292.07+23.0% | 123.56-33.5% | 362.96+141.8% |
| Long Term Debt | 426.63+130.1% | 380.22+30.7% | 220.57+80.3% | 182.87-49.4% | 185.45-15.1% | 290.98+23.1% | 122.35-33.7% | 361.25+143.8% |
| Provision for Risks Charges | 2.71+50.6% | 1.70 | 1.60 | 1.80-10.0% | 1.80 | 0.00 | 0.00 | 2.00 |
| Deferred Tax Liabilities | - | - | - | 7.81-10.3% | - | - | - | 8.71-15.7% |
| Other Liabilities | 46.40+36.2% | 28.59-14.3% | 27.93-2.1% | 28.86-0.6% | 34.08-2.7% | 33.37-10.1% | 28.52-29.7% | 29.04-18.7% |
| Total Liabilities | 3,343.45+15.0% | 2,860.12-0.6% | 2,889.66+4.4% | 2,896.96+5.6% | 2,908.31+8.5% | 2,878.81+8.3% | 2,767.24+2.8% | 2,742.11+0.9% |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 333.21+10.9% | 318.96+7.3% | 313.85+5.0% | 307.69+4.0% | 300.51+4.0% | 297.20+4.6% | 298.84+7.5% | 295.77+11.8% |
| Total Shareholders Equity | 333.21+10.9% | 318.96+7.3% | 313.85+5.0% | 307.69+4.0% | 300.51+4.0% | 297.20+4.6% | 298.84+7.5% | 295.77+11.8% |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 333.21+10.9% | 318.96+7.3% | 313.85+5.0% | 307.69+4.0% | 300.51+4.0% | 297.20+4.6% | 298.84+7.5% | 295.77+11.8% |
| Total Liabilities & Stockholders Equity | 3,676.65+14.6% | 3,179.08+0.1% | 3,203.51+4.5% | 3,204.65+5.5% | 3,208.82+8.0% | 3,176.01+8.0% | 3,066.08+3.2% | 3,037.88+1.8% |
| Book Value Per Share per share | 42.35+6.2% | 42.96+10.1% | 41.84+8.4% | 40.98+8.5% | 39.88+7.9% | 39.01+6.4% | 38.60+8.4% | 37.76+11.4% |
| Tangible Book Value Per Share per share | 40.18+6.0% | 41.26+11.7% | 40.06+9.8% | 39.11+10.0% | 37.91+9.5% | 36.95+8.0% | 36.47+10.4% | 35.55+13.9% |
| Tier 1 Capital | - | - | 316.23-7.8% | 351.23+4.4% | 349.69+5.5% | 349.06+8.0% | 342.98+8.9% | 336.42+9.3% |
| Tier 2 Capital | - | - | - | 33.98+4.4% | 32.36+0.9% | 34.04+6.2% | 32.52+2.9% | 32.54+2.5% |
| Full-Time Employees people | 626+8.9% | 593+4.6% | 585+3.2% | 580+3.2% | 575+2.9% | 567-0.7% | 567-0.5% | 562-1.4% |
| Price to Book Ratio ratio | 1.02 | 1.04 | 0.94 | 1.03 | 1.02 | 1.01 | 1.00 | 1.10 |
| Return on Assets % | 0.83 | 1.03 | 1.04 | 1.05 | 1.03 | 1.07 | 1.13 | 1.14 |
| Return on Equity % | 9.04 | 10.64 | 10.64 | 10.86 | 10.77 | 11.31 | 11.82 | 12.30 |
| Return on Invested Capital % | 0.64 | 1.12 | 1.44 | 1.69 | 1.85 | 1.29 | 1.87 | 1.10 |
| Current Ratio ratio | 0.03 | 0.03 | 0.03 | 0.02 | 0.06 | 0.02 | 0.04 | 0.02 |
Cash flow, quarterly
| Metric | 2026Q39/30/2026 | 2026Q26/30/2026 | 2026Q13/31/2026 | 2025Q412/31/2025 | 2025Q39/30/2025 | 2025Q26/30/2025 | 2025Q13/31/2025 | 2024Q412/31/2024 |
|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 28.31-31.3% | 50.27+22750.0% | 7.81-24.4% | 20.20-48.4% | 41.20 | 0.22-98.5% | 10.33 | 39.17+163.9% |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 4.78+39.4% | 1.73-75.0% | 0.90 | -7.85-511.0% | 3.43+81.5% | 6.92 | -2.16-152.3% | 1.91 |
| Cash from Operating Activities | 33.09-25.9% | 52.00+627.3% | 8.71+6.5% | 12.36-69.9% | 44.64 | 7.15-29.1% | 8.18+2821.4% | 41.08+225.3% |
| Capital Expenditures | -1.33 | -0.57 | -0.27 | -15.71 | -3.02 | -1.29 | -0.35 | -0.38 |
| Net Assets From Acquisitions | 136.13 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00-100.0% |
| Purchase or Sale of Investments | -36.51 | 1.65 | 14.34 | 25.76 | -8.49 | -34.83-158.9% | -8.77-185.0% | -58.30 |
| Purchase of Investments | -47.25 | -16.01 | -6.62 | -11.91 | -17.93 | -54.73 | -15.05 | -62.61 |
| Sale Or Maturity of Investments | 10.74+13.8% | 17.65-11.3% | 20.96+233.8% | 37.67+774.0% | 9.44+21.0% | 19.90-66.4% | 6.28-87.0% | 4.31-4.6% |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | -1.00-229.9% | 1.00 | 2.54+1311.1% | 0.00-100.0% | 0.77 | 0.00-100.0% | 0.18 |
| Cash from Investing Activities | -42.18 | -23.90 | 2.23 | -26.16 | -38.76 | -133.33-1192.0% | -8.18-419.5% | -103.64 |
| Cash Dividends Paid | -2.15 | -2.15 | -2.17 | -2.10 | -3.80 | -2.16 | -2.19 | -2.11 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -2.23 | -3.43 | -0.21 | -1.29-560.7% | -4.63 | -4.92 | -3.42 | 0.28 |
| Repurchase of Common Pref Stock | -2.54 | -3.78 | -0.62 | -1.54 | -4.90 | -5.23 | -3.76 | 0.00 |
| Sale of Common Pref Stock | 0.32+18.5% | 0.35+12.9% | 0.41+20.6% | 0.25-10.7% | 0.27 | 0.31+24.0% | 0.34 | 0.28+300.0% |
| Proceedsfrom Stock Options | 0.00 | -0.03 | 0.03 | 1.22+14.0% | 0.00 | 0.00 | 0.00 | 1.07+4.9% |
| Issuance or Reduction of Debt, Net | 49.00 | 157.19-5.0% | 38.00 | 0.00-100.0% | -105.00 | 165.50+218.6% | -239.00-760.4% | 144.00 |
| Change in Long Term Debt | 49.00 | 157.19-5.0% | 38.00 | 0.00-100.0% | -105.00 | 165.50+218.6% | -239.00-760.4% | 144.00 |
| Issuance of Long Term Debt | -1,507.85-12221.0% | 1,715.85+272.2% | 105.00-31.4% | 323.50+24.4% | 12.44-91.7% | 461.00+20.4% | 153.00-12.6% | 260.00-40.8% |
| Reduction of Long Term Debt | 1,556.85 | -1,558.65 | -67.00 | -323.50 | -117.44 | -295.50 | -392.00 | -116.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | -0.46 | 0.00 | 0.00 | -0.39 |
| Other Financing Activities Uses | - | - | - | 0.00 | - | - | - | - |
| Cash from Financing Activities | 23.33+21.4% | -37.09-138.4% | -0.46-101.5% | -16.25-130.2% | 19.21-17.5% | 96.64 | 31.11 | 53.85+44.8% |
| Net Change in Cash | 14.24-49.3% | -8.99 | 10.48-66.3% | -33.06 | 28.09+283.2% | -29.55 | 31.11 | -8.71 |
| Free Cash Flow | 31.77-23.6% | 51.42+779.0% | 8.44+7.8% | -3.35-108.2% | 41.61 | 5.85-40.4% | 7.83 | 40.70+229.3% |
| Price to Free Cash Flow ratio | 4.17 | 3.70 | 6.87 | 7.44 | 3.55 | 6.80 | 6.10 | 7.92 |
Revenue breakdown
| Revenue split | - |
|---|
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 2.35% | 0.2M | 6.7M | 26.67K |
| 2026-10-15 | 2.44% | 0.2M | 6.7M | 25.11K |
| 2026-09-30 | 2.15% | 0.1M | 6.7M | 22.92K |
| 2026-09-15 | 2.27% | 0.2M | 6.7M | 22.05K |
| 2026-08-31 | 2.18% | 0.1M | 6.6M | 20.70K |
| 2026-08-14 | 3.40% | 0.2M | 6.3M | 19.08K |
| 2026-07-31 | 3.09% | 0.2M | 6.3M | 17.18K |
| 2026-07-15 | 2.78% | 0.2M | 6.3M | 16.98K |
| 2026-06-30 | 3.00% | 0.2M | 6.3M | 16.00K |
| 2026-06-15 | 2.88% | 0.2M | 6.3M | 13.62K |
| 2026-05-29 | 2.60% | 0.2M | 6.3M | 13.30K |
| 2026-05-15 | 2.40% | 0.2M | 6.3M | 13.33K |
| 2026-04-30 | 2.40% | 0.2M | 6.3M | 13.19K |
| 2026-04-15 | 1.23% | 0.1M | 6.4M | 11.36K |
| 2026-03-31 | 1.30% | 0.1M | 6.4M | 10.97K |
| 2026-03-13 | 1.30% | 0.1M | 6.4M | 10.60K |
| 2026-02-27 | 0.99% | 0.1M | 6.4M | 11.35K |
| 2026-02-13 | 0.97% | 0.1M | 6.4M | 11.67K |
| 2026-01-30 | 0.94% | 0.1M | 6.4M | 13.07K |
| 2026-01-15 | 1.03% | 0.1M | 6.4M | 12.93K |
Option chain
expiry 2026-11-13| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-06 | SEC |
| 2026-11-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-06 | SEC |
| 2026-11-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-06 | SEC |
| 2026-11-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-06 | SEC |
| 2026-11-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-06 | SEC |
| 2026-11-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-06 | SEC |
| 2026-11-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-06 | SEC |
| 2026-11-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-06 | SEC |
| 2026-11-10 | 8-K | Current report | 2026-11-10 | SEC |
| 2026-11-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-06 | SEC |
| 2026-11-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-06 | SEC |
| 2026-11-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-06 | SEC |
| 2026-11-09 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-11-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-04 | SEC |
| 2026-11-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-04 | SEC |
| 2026-10-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-29 | SEC |
| 2026-10-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-26 | SEC |
| 2026-10-23 | 8-K | Current report | 2026-10-22 | SEC |
| 2026-10-21 | 8-K | Current report | 2026-10-21 | SEC |
| 2026-08-31 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-28 | SEC |
| 2026-08-28 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-26 | SEC |
| 2026-08-26 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-25 | SEC |
| 2026-08-25 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-24 | 8-K | Current report | 2026-08-24 | SEC |
| 2026-08-21 | 8-K | Current report | 2026-08-19 | SEC |
| 2026-08-20 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-14 | SEC |
| 2026-08-19 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-14 | SEC |
| 2026-08-19 | 4/A | 2026-08-06 | SEC | |
| 2026-08-18 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-14 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 281.06K | 2 |
| 2026-10 | 0 | 0 | 277 | 1 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 153.41K | 3 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 254.22K | 4 |
Institutional holders
| Manager | % owned |
|---|---|
| T. Rowe Price Investment Management, Inc. | 13.46% |
| BlackRock, Inc. | 6.59% |
| DIMENSIONAL FUND ADVISORS LP | 5.54% |
| De Lisle Partners LLP | 5.28% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.97% |
| Advisors Asset Management, Inc. | 3.33% |
| Pacific Ridge Capital Partners, LLC | 2.61% |
| TCW GROUP INC | 2.11% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.10% |
| AMERICAN CENTURY COMPANIES INC | 2.03% |
Funds
| Fund | % owned |
|---|---|
| Angel Oak Multi-Strategy Income Fund | 13.47% |
| T. Rowe Price Small-Cap Value Fund, Inc. | 8.35% |
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.89% |
| iShares Russell 2000 ETF | 2.51% |
| Avantis U.S. Small Cap Value ETF | 1.45% |
| Adara Smaller Companies Fund | 1.03% |
| iShares Russell 2000 Value ETF | 0.98% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.97% |
| Fidelity Small Cap Index Fund | 0.96% |
| U.S. Targeted Value Portfolio | 0.90% |
OakChart. FSBW. Cached 15 minutes. Terms