• $72.4M
    Market Cap
  • 23.27%
    1-Year Change
  • Banks - Regional
    Industry
Annual
Quarterly
12/31/2025
12/31/2024
12/31/2023
12/31/2022
Income Statement
Total Operating Revenue
25.4M
+10.59%
22.9M
+1.04%
22.7M
-5.97%
24.1M
+13.11%
Cost of Revenue
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Profit
25.4M
+10.59%
22.9M
+1.04%
22.7M
-5.97%
24.1M
+13.11%
Sales and Marketing Expense
224,000
+1.36%
221,000
-3.07%
228,000
-12.31%
260,000
+14.04%
Research and Development Expense
-2.9M
+0.59%
-2.9M
-1.91%
-2.9M
+13.75%
-2.6M
-4.12%
Depreciation and Amortization Expense
68,000
-20.00%
85,000
+4.94%
81,000
+50.00%
54,000
-18.18%
Total Operating Expenses
20.8M
-0.86%
21.0M
+5.34%
19.9M
+0.03%
19.9M
-2.11%
Operating Profit
9.4M
+30.04%
7.2M
-4.73%
7.6M
-15.58%
9.0M
+30.11%
Interest Income
39.0M
+5.01%
37.1M
+11.86%
33.2M
+20.42%
27.6M
+12.23%
Interest Expense
-27,000
-18.18%
-33,000
-99.69%
-10.5M
+206.52%
-3.4M
+6.34%
Interest Income and Expense and Net
38.9M
+5.03%
37.1M
+63.42%
22.7M
-5.97%
24.1M
+13.11%
Total Nonoperating Income and Expense
25.4M
+10.59%
22.9M
+1.04%
22.7M
-5.97%
24.1M
+13.11%
Income before Taxes
9.4M
+30.04%
7.2M
-4.73%
7.6M
-15.58%
9.0M
+30.11%
Income Taxes
1.4M
+41.98%
979,000
+0.93%
970,000
+51.09%
642,000
+126.06%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Income
8.0M
+28.16%
6.2M
-5.56%
6.6M
-20.72%
8.3M
+25.98%
Net Income from Continuing Operations Applicable to Common
9.4M
+30.04%
7.2M
-4.73%
7.6M
-15.58%
9.0M
+30.11%
Basic EPS and Net Income
1.59
+27.20%
1.25
-5.30%
1.32
-20.48%
1.66
+25.76%
Diluted EPS and Net Income
1.59
+28.23%
1.24
-5.34%
1.31
-21.08%
1.66
+25.76%
Basic Weighted Average Shares
5.0M
+0.30%
5.0M
-0.18%
5.0M
+0.20%
5.0M
-0.08%
Diluted Weighted Average Shares
5.0M
+0.42%
5.0M
-0.16%
5.0M
+0.18%
5.0M
-0.08%
Balance Sheet
Cash and Cash Equivalents
11.4M
+4.09%
11.0M
-61.98%
28.9M
+163.02%
11.0M
-18.68%
Short-Term Investments
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash and Cash Equivalents and Short-Term Investments
11.4M
+4.09%
11.0M
-61.98%
28.9M
+163.02%
11.0M
-96.86%
Total Current Assets
44,000
-4.35%
46,000
+17.95%
39,000
-54.12%
85,000
-99.37%
Accumulated Depreciation
14.4M
+2.78%
14.0M
+5.53%
13.3M
+2.39%
12.9M
+4.83%
Property and Plant and Equipment and Net
9.3M
-1.34%
9.4M
+14.69%
8.2M
-0.12%
8.2M
-2.16%
Total Long-Term Assets
9.3M
-1.34%
9.4M
+14.69%
8.2M
-89.99%
81.7M
-76.23%
Total Assets
895.3M
+5.46%
848.9M
-2.49%
870.6M
+4.78%
830.9M
+2.51%
Income Taxes Payable
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Short-Term Debt
49.9M
+18.14%
42.2M
-20.01%
52.8M
-5.21%
55.7M
+1,217.96%
Total Current Liabilities
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Long-Term Debt
0
-100.00%
5.0M
-75.00%
20.0M
0.00%
20.0M
0.00%
Total Long-Term Liabilities
0
-100.00%
5.0M
-75.00%
20.0M
0.00%
20.0M
0.00%
Total Liabilities
837.9M
+4.55%
801.4M
-3.49%
830.4M
+4.60%
793.9M
+7.40%
Retained Earnings
56.7M
+6.72%
53.1M
+3.57%
51.3M
+0.16%
51.2M
+8.29%
Total Stockholders Equity
57.4M
+20.89%
47.5M
+18.24%
40.1M
+8.63%
36.9M
-48.17%
Total Shares Outstanding
5.0M
+0.31%
5.0M
+0.25%
5.0M
-0.24%
5.0M
+0.29%
Cash Flow
Cash from Operating Activities
10.1M
+89.37%
5.3M
-32.17%
7.9M
-20.84%
9.9M
+12.07%
Capital Expenditures
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash from Investing Activities
-41.8M
-636.71%
7.8M
+756.24%
-1.2M
-98.11%
-62.7M
+16.34%
Dividends Paid
4.4M
+0.30%
4.4M
-0.14%
4.4M
+0.11%
4.4M
-0.02%
Cash from Financing Activities
32.1M
+203.44%
-31.1M
-375.95%
11.3M
-77.59%
50.2M
+196.89%
Financials Ratio
Gross Margin
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Margin
36.96%
+17.58%
31.44%
-5.72%
33.34%
-10.22%
37.14%
+15.03%
Return on Assets
0.92%
+26.35%
0.72%
-6.55%
0.78%
-23.53%
1.01%
+23.14%
Return on Equity
15.23%
+7.09%
14.22%
-16.89%
17.11%
+11.32%
15.37%
+72.13%
Revenue Growth
10.59%
+914.32%
1.04%
+117.49%
-5.97%
-145.53%
13.11%
+143.82%
Current Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Debt-to-Equity Ratio
0.87
-12.62%
1.00
-45.12%
1.81
-11.47%
2.05
+503.00%
Debt-to-Assets Ratio
0.06
0.00%
0.06
-33.37%
0.08
-8.23%
0.09
+204.68%

Earnings & Revenue History

Debt-to-Assets

Cash Flow