Back
18
Day Range
$40.34
$41.42
52-Week Range
$31.21
$42.15
Volume
108,393
50D / 200D Avg
$38.10
/
$36.41
Prev Close
$39.70
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (854 peers)
| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 15.9 | 10.3 |
| P/B | 1.6 | 1.1 |
| ROE % | 9.5 | 11.7 |
| Net Margin % | 26.3 | 16.8 |
| Rev Growth 5Y % | 8.6 | 11.7 |
| D/E | 0.0 | 0.5 |
Analyst Price Target
Hold
$38.00
-6.8%
Forward P/E
14.0
Forward EPS
$2.91
EPS Growth (est.)
+0.0%
Est. Revenue
180 M
Earnings Estimates
| Period | EPS Est. | Revenue Est. | Analysts |
|---|---|---|---|
| FY2027 |
$2.97
$2.97 – $2.97
|
190 M | 1 |
| FY2026 |
$2.91
$2.91 – $2.91
|
180 M | 1 |
Insider Trading Activity
Buy ratio (90d)
100.0%
20 transactions
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| Feb 4, 2026 |
DAVIS C WILLIAM
|
grant | 1,032 | $39.76 | $41,032 |
| Jan 30, 2026 |
Bonnett Derek A
Chief Risk Officer
|
buy | 501 | $34.93 | $17,500 |
| Aug 1, 2025 |
Brown David D
Chief Financial Officer
|
buy | 150 | $36.00 | $5,400 |
| Aug 1, 2025 |
Brown David D
Chief Financial Officer
|
grant | 2,786 | $35.77 | $99,655 |
| May 29, 2025 |
Price Harriet B
|
other | 1,996 | — | — |
| May 29, 2025 |
DAVIS C WILLIAM
|
other | 1,996 | — | — |
| May 29, 2025 |
DAVIS C WILLIAM
|
sell | 499 | $38.00 | $18,962 |
| May 29, 2025 |
Taylor Beth Ann
|
other | 1,996 | — | — |
| May 29, 2025 |
SARVER M ADAM
|
other | 1,996 | — | — |
| May 29, 2025 |
Johnson Richard Scott
|
other | 1,996 | — | — |
| May 29, 2025 |
Elmore Samuel L
|
other | 1,996 | — | — |
| May 28, 2025 |
Price Harriet B
|
grant | 928 | — | — |
| May 28, 2025 |
DAVIS C WILLIAM
|
grant | 928 | — | — |
| May 28, 2025 |
Taylor Beth Ann
|
grant | 928 | — | — |
| May 28, 2025 |
SARVER M ADAM
|
grant | 928 | — | — |
| May 28, 2025 |
Johnson Richard Scott
|
grant | 928 | — | — |
| May 28, 2025 |
Elmore Samuel L
|
grant | 928 | — | — |
| May 28, 2025 |
Bonnett Derek A
Chief Risk Officer
|
grant | 1,888 | — | — |
| May 28, 2025 |
STAFFORD WILLIAM P II
Chief Executive Officer
|
grant | 3,831 | — | — |
| May 28, 2025 |
BELCHER JASON R
SVP-Chief Admin Officer
|
grant | 2,332 | — | — |
Key Takeaways
Revenue grew 8.60% annually over 5 years — modest growth
Net margin of 26.32% shows strong profitability
Debt/Equity of 0.00 — conservative balance sheet
Generating 60.00M in free cash flow
Revenue growth is decelerating — 1Y growth trails 5Y average by 3.18%
Cash machine — converts 122.97% of earnings into free cash flow
Growth
Revenue Growth (5Y)
8.60%
Revenue (1Y)5.42%
Earnings (1Y)-5.45%
FCF Growth (3Y)0.80%
Quality
Return on Equity
9.50%
ROIC9.44%
Net Margin26.32%
Op. Margin34.04%
Safety
Debt / Equity
0.00
Current Ratio0.73
Interest Coverage3.52
Valuation
P/E Ratio
15.93
P/B Ratio1.55
EV/EBITDA4.22
Dividend Yield0.10%
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 5.42% | Revenue Growth (3Y) | 5.78% |
| Earnings Growth (1Y) | -5.45% | Earnings Growth (3Y) | 0.80% |
| Revenue Growth (5Y) | 8.60% | Earnings Growth (5Y) | -1.18% |
| Profitability | |||
| Revenue (TTM) | 185.42M | Net Income (TTM) | 48.79M |
| ROE | 9.50% | ROA | 1.50% |
| Gross Margin | 90.30% | Operating Margin | 34.04% |
| Net Margin | 26.32% | Free Cash Flow (TTM) | 60.00M |
| ROIC | 9.44% | FCF Growth (3Y) | 0.80% |
| Safety | |||
| Debt / Equity | 0.00 | Current Ratio | 0.73 |
| Interest Coverage | 3.52 | Dividend Yield | 0.10% |
| Valuation | |||
| P/E Ratio | 15.93 | P/B Ratio | 1.55 |
| P/S Ratio | 4.19 | PEG Ratio | -2.37 |
| EV/EBITDA | 4.22 | Dividend Yield | 0.10% |
| Market Cap | 777.50M | Enterprise Value | 266.47M |
Income Statement
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 185.42M | 175.89M | 165.71M | 142.24M | 133.29M |
| Net Income | 48.79M | 51.60M | 48.02M | 46.66M | 51.17M |
| EPS (Diluted) | 2.65 | 2.80 | 2.66 | 2.82 | 2.94 |
| Gross Profit | 167.43M | 152.62M | 148.24M | 134.01M | 138.92M |
| Operating Income | 63.13M | 65.69M | 61.97M | 60.16M | 66.53M |
Balance Sheet
Annual, most recent first
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 3.26B | 3.26B | 3.27B | 3.14B | 3.19B |
| Total Liabilities | 2.76B | 2.73B | 2.77B | 2.71B | 2.77B |
| Shareholders' Equity | 500.55M | 526.39M | 503.29M | 421.99M | 427.78M |
| Total Debt | 1.21M | 906,000.0 | 1.12M | 1.87M | 1.54M |
| Cash & Equivalents | 512.24M | 80.46M | 79.11M | 65.21M | 50.40M |
| Current Assets | 653.65M | 225.93M | 370.95M | 374.84M | 134.60M |
| Current Liabilities | 897.47M | 2.69B | 2.72B | 2.71B | 2.77B |
Strategy Scores
This stock passed the criteria for 1 strategy
Score = fit strength (0–100)
Rank = position among all matches
Custom
Cash Flow Compounder
#972 of 1024
Recent Activity
Entered
Cash Flow Compounder
Mar 24, 2026