Financial Analysis
Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data
Filing evidence summary
Mixed evidenceCoverage 2/5 core metricsFlagged areas: Dilution.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- 1 filing risk check flagged
Flagged areas: Dilution.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
- Revenue expanded
Latest reported annual revenue changed +7.1% from the prior reported annual observation.
Why this surfaced
Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2025-12-31.
- Free cash flow was positive
Latest reported free cash flow was $431M.
Why this surfaced
Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2025-12-31.
Core trend metrics
Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.
Where to look next
Risk checks
- Dilution
Financial movement
- Cash→ flat
- Long-term debt→ flat
- Inventory→ flat
- Receivables→ flat
- Current assets→ flat
Source & freshness
- Source
- SEC EDGAR XBRL
- Fetched
- 2026-09-06
- Latest period end
- 2025-12-31
- Filings
- EDGAR ↗
Reported segment mix
figures as filed · share of the filed sum · change vs the prior period in the same filing- Wealth Management Fees$29.3Mshare n/a-4.2% yoy
- Banking$25.6Mshare n/a+18.6% yoy
- Deposit Account$20.6Mshare n/a+21.6% yoy
- Insurance Commissions And Fees$18.3Mshare n/a+12.9% yoy
- Debit Card$5.01Mshare n/a+7.6% yoy
member sum exceeds the consolidated figure: this axis carries more than one breakdown, so shares are not computed.
- Wealth Management Fees$7.4Mshare n/a+1.0% yoy
- Insurance Commissions And Fees$6.85Mshare n/a+21.2% yoy
- Banking$6.36Mshare n/a+7.9% yoy
- Deposit Account$5.2Mshare n/a+9.7% yoy
- Debit Card$1.15Mshare n/a+0.4% yoy
Change is against the same quarter a year earlier, as reported in the same 10-Q.
Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.
Peer percentiles
latest fiscal year ending 2025-12-31 · among 4,122 US-listed filers · 907 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $73M | 24thof 3,301 bottom third | 30thof 541 bottom third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | 7.1% | 52ndof 3,135 middle third | 50thof 518 middle third |
Net margin net income ÷ revenue | 398.3% | 98thof 3,263 top third | 92ndof 534 top third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | 589.1% | 99thof 2,679 top third | 92ndof 307 top third |
Return on equity net income ÷ stockholders' equity (positive equity only) | 10.3% | 67thof 3,577 top third | 60thof 774 middle third |
Cash conversion operating cash flow ÷ net income (net income > 0) | 1.5× | 51stof 2,183 middle third | 70thof 673 top third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | -0.6% | 25thof 3,577 bottom third | 54thof 804 middle third |
Balance-sheet accrual ratio change in net operating assets ÷ average net operating assets · lower is ranked higher | 9.1% | 41stof 3,059 middle third | 48thof 734 middle third |
Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.
Earnings quality
latest fiscal year ending 2025-12-31 · accruals and cash conversion as filedPer fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.
Point-in-time ledger
first-reported vs latest filing · periods since 2020-01-01 · 6 changed periods| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2020-12-31 | $532M 10-Q 2021-05-10 | $418M 10-K 2024-02-28 | -21.5% | first · latest · 9 filings carry it |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2021-09-30 | $505M 10-Q 2021-11-09 | $458M 10-Q 2022-11-09 | -9.4% | first · latest |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2021-06-30 | $710M 10-Q 2021-08-09 | $652M 10-Q 2022-08-09 | -8.2% | first · latest |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2021-03-31 | $688M 10-Q 2021-05-10 | $645M 10-Q 2022-05-10 | -6.2% | first · latest |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | fiscal year 2020-12-31 | $107M 10-K 2021-03-01 | $103M 10-K 2023-03-01 | -3.4% | first · latest · 3 filings carry it |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | fiscal year 2021-12-31 | $158M 10-K 2022-03-01 | $157M 10-K 2024-02-28 | -0.9% | first · latest · 3 filings carry it |
First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.
Notes by disclosure type
Not available for PFS yet: no footnote text blocks on file for this filer in the ingested DERA files.
Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.