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24
19
Day Range
$28.31
$28.82
52-Week Range
$19.32
$30.84
Volume
267,998
50D / 200D Avg
$28.01
/
$25.52
Prev Close
$28.33
Quick Summary
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 12.8 | 10.3 |
| P/B | 1.0 | 1.1 |
| ROE % | 8.9 | 11.7 |
| Net Margin % | 16.3 | 16.9 |
| Rev Growth 5Y % | 18.0 | 11.6 |
| D/E | 0.4 | 0.5 |
Analyst Price Target
Hold
$35.00
+22.7%
Forward P/E
8.19
Forward EPS
$3.48
EPS Growth (est.)
+0.0%
Est. Revenue
353.35M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2027 |
$3.88
$3.62 – $4.15
|
377.15M | 2 |
| FY2026 |
$3.48
$3.24 – $3.72
|
353.35M | 2 |
No quarterly estimates available
Earnings Surprises
Last 8 quarters
| Quarter | Est. EPS | Actual EPS | Surprise |
|---|---|---|---|
| 2026-03-11 | N/A | $1.14 | — |
| 2025-10-30 | $0.78 | $0.82 | +5.1% |
| 2025-07-22 | $0.58 | $0.63 | +8.6% |
| 2025-04-14 | $0.53 | $0.57 | +7.5% |
| 2025-01-28 | $0.54 | $0.66 | +22.2% |
| 2024-10-21 | $0.57 | $0.61 | +7.0% |
| 2024-07-18 | $0.51 | $0.56 | +9.8% |
| 2024-04-15 | $0.50 | $0.55 | +10.0% |
Insider Trading Activity
Buy ratio (90d)
66.7%
20 transactions
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| Mar 13, 2026 |
Scott Nicholas N. Jr.
Director
|
buy | 375 | $27.05 | $10,143.75 |
| Feb 23, 2026 |
Dixon Gregory M
EVP/Chief Credit Officer
|
grant | 1,113 | $27.70 | $30,830.10 |
| Feb 23, 2026 |
Koptchak Heather J.
SVP/Chief ofEmployee Resources
|
grant | 445 | $27.70 | $12,326.50 |
| Feb 3, 2026 |
Peduzzi Michael D
President & CEO
|
grant | 6,317 | $27.70 | $174,980.90 |
| Jan 30, 2026 |
POWELL JEFFREY S
Director
|
grant | 1,805 | $27.70 | $49,998.50 |
| Jan 30, 2026 |
Koptchak Heather J.
SVP/Chief ofEmployee Resources
|
grant | 1,895 | $27.70 | $52,491.50 |
| Jan 30, 2026 |
Dixon Gregory M
EVP/Chief Credit Officer
|
other | 595 | $27.70 | $16,481.50 |
| Jan 30, 2026 |
Dixon Gregory M
EVP/Chief Credit Officer
|
grant | 1,895 | $27.70 | $52,491.50 |
| Jan 30, 2026 |
Olson Gary S
Director
|
grant | 1,805 | $27.70 | $49,998.50 |
| Jan 30, 2026 |
Shilling Steven R
EVP/Chief Wealth Mngt Officer
|
sell | 595 | $27.70 | $16,481.50 |
| Jan 30, 2026 |
Shilling Steven R
EVP/Chief Wealth Mngt Officer
|
grant | 1,895 | $27.70 | $52,491.50 |
| Jan 30, 2026 |
Scott Nicholas N. Jr.
Director
|
grant | 1,805 | $27.70 | $49,998.50 |
| Jan 30, 2026 |
Peterson Joel E.
Director
|
grant | 1,805 | $27.70 | $49,998.50 |
| Jan 30, 2026 |
Griffith Martin T.
SEVP/Chief Revenue Officer
|
other | 958 | $27.70 | $26,536.60 |
| Jan 30, 2026 |
Griffith Martin T.
SEVP/Chief Revenue Officer
|
grant | 3,610 | $27.70 | $99,997.00 |
| Jan 30, 2026 |
Graham Kylie L.
SVP/Operations
|
grant | 1,353 | $27.70 | $37,478.10 |
| Jan 30, 2026 |
Selig Robert C Jr
Director
|
grant | 1,805 | $27.70 | $49,998.50 |
| Jan 30, 2026 |
POWELL JEFFREY S
Director
|
buy | 975 | $27.28 | $26,598.00 |
| Jan 30, 2026 |
PONTZER DEBORAH DICK
Director
|
grant | 1,805 | $27.70 | $49,998.50 |
| Jan 30, 2026 |
Koch Darryl P.
EVP & CITSO
|
grant | 1,895 | $27.70 | $52,491.50 |
Dividend History
7 yr streakYield
0.03%
Payout Ratio
0.34%
Growth (3Y)
0.94%
Growth (5Y)
1.15%
| Ex-Date | Payment Date | Amount | Yield |
|---|---|---|---|
| Feb 27, 2026 | Mar 13, 2026 | $0.19 | 2.61% |
| Nov 28, 2025 | Dec 12, 2025 | $0.18 | 2.78% |
| Aug 29, 2025 | Sep 12, 2025 | $0.18 | 2.74% |
| May 30, 2025 | Jun 13, 2025 | $0.18 | 3.32% |
| Feb 28, 2025 | Mar 14, 2025 | $0.18 | 2.87% |
| Nov 29, 2024 | Dec 13, 2024 | $0.18 | 2.54% |
| Aug 30, 2024 | Sep 13, 2024 | $0.18 | 2.90% |
| May 31, 2024 | Jun 14, 2024 | $0.18 | 3.61% |
| Feb 29, 2024 | Mar 15, 2024 | $0.18 | 3.50% |
| Nov 30, 2023 | Dec 15, 2023 | $0.18 | 3.44% |
| Aug 31, 2023 | Sep 15, 2023 | $0.18 | 3.84% |
| May 31, 2023 | Jun 15, 2023 | $0.18 | 4.21% |
| Feb 28, 2023 | Mar 15, 2023 | $0.18 | 2.94% |
| Nov 30, 2022 | Dec 15, 2022 | $0.18 | 2.74% |
| Aug 31, 2022 | Sep 15, 2022 | $0.18 | 2.66% |
| May 31, 2022 | Jun 15, 2022 | $0.18 | 2.77% |
| Feb 28, 2022 | Mar 15, 2022 | $0.18 | 2.64% |
| Nov 30, 2021 | Dec 15, 2021 | $0.18 | 2.60% |
| Aug 31, 2021 | Sep 15, 2021 | $0.17 | 2.77% |
| May 28, 2021 | Jun 15, 2021 | $0.17 | 2.80% |
Key Takeaways
Revenue grew 17.95% annually over 5 years — strong growth
Earnings grew 21.17% over the past year
Net margin of 16.33% shows strong profitability
Debt/Equity of 0.38 — conservative balance sheet
Generating 59.79M in free cash flow
P/E of 12.78 — trading at a low valuation
Growth
Revenue Growth (5Y)
17.95%
Revenue (1Y)12.46%
Earnings (1Y)21.17%
FCF Growth (3Y)28.78%
Quality
Return on Equity
8.92%
ROIC5.14%
Net Margin16.33%
Op. Margin20.37%
Safety
Debt / Equity
0.38
Current Ratio43.23
Interest Coverage0.55
Valuation
P/E Ratio
12.78
Forward P/E8.09
P/B Ratio0.97
EV/EBITDA13.32
Dividend Yield0.03%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 12.46% | Revenue Growth (3Y) | 12.13% |
| Earnings Growth (1Y) | 21.17% | Earnings Growth (3Y) | 6.76% |
| Revenue Growth (5Y) | 17.95% | Earnings Growth (5Y) | 3.47% |
| Profitability | |||
| Revenue (TTM) | 404.86M | Net Income (TTM) | 66.13M |
| ROE | 8.92% | ROA | 0.79% |
| Gross Margin | 60.69% | Operating Margin | 20.37% |
| Net Margin | 16.33% | Free Cash Flow (TTM) | 59.79M |
| ROIC | 5.14% | FCF Growth (3Y) | 28.78% |
| Safety | |||
| Debt / Equity | 0.38 | Current Ratio | 43.23 |
| Interest Coverage | 0.55 | ||
| Dividends | |||
| Dividend Yield | 0.03% | Payout Ratio | 0.34% |
| Dividend Growth (3Y) | 0.94% | Dividend Growth (5Y) | 1.15% |
| Consecutive Div Years | 7 yrs | ||
| Valuation | |||
| P/E Ratio | 12.78 | Forward P/E | 8.09 |
| P/B Ratio | 0.97 | P/S Ratio | 2.09 |
| PEG Ratio | 2.13 | Forward PEG | N/A |
| EV/EBITDA | 13.32 | Fwd EV/EBITDA | 11.29 |
| Forward P/S | 2.39 | Fwd Earnings Yield | 12.36% |
| FCF Yield | 7.07% | ||
| Market Cap | 845.20M | Enterprise Value | 1.10B |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 404.86M | 360.01M | 322.01M | 243.70M | 209.20M |
| Net Income | 66.13M | 54.58M | 58.02M | 63.19M | 57.71M |
| EPS (Diluted) | 2.51 | 2.39 | 2.55 | 3.26 | 3.16 |
| Gross Profit | 245.70M | 212.79M | 212.15M | 211.04M | 183.38M |
| Operating Income | 82.47M | 67.36M | 71.83M | 78.21M | 70.78M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 8.40B | 6.19B | 5.75B | 5.48B | 5.33B |
| Total Liabilities | 7.52B | 5.58B | 5.18B | 4.94B | 4.89B |
| Shareholders' Equity | 872.13M | 610.70M | 571.25M | 530.76M | 442.85M |
| Total Debt | 331.29M | 145.51M | 142.54M | 403.10M | 125.44M |
| Cash & Equivalents | 78.20M | 443.04M | 221.87M | 106.29M | 732.20M |
| Current Assets | 7.09B | 846.54M | 564.00M | 539.83M | 1.47B |
| Current Liabilities | 164.00M | 5.37B | 5.00B | 4.94B | 4.76B |
Strategy Scores
This stock passed the criteria for 2 strategies
Score = fit strength (0–100)
Rank = position among all matches
Custom
Cash Flow Compounder
#934 of 1052
#734 of 827
Recent Activity
Entered
Cash Flow Compounder
Mar 24, 2026
Entered
Deep Value Investing (Seth Klarman)
Mar 24, 2026