Valuation
Is the price right?2/2 inputs reported · High confidence
Weaker than most peers on:
- ▼ P/B
Behind the score
Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.
Bringing the fundamentals into focus…
Price as of close on Nov 3, 2026 · Financials updated Nov 2, 2026
2/2 inputs reported · High confidence
Weaker than most peers on:
Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.
1/1 inputs reported · High confidence
Weaker than most peers on:
Earnings-per-share growth versus other banks and insurers.
2/2 inputs reported · High confidence
Stronger than most peers on:
Return on equity and return on assets versus other banks and insurers.
Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.
Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.
No major changes
| Previous quarter | Latest quarter | Change | |
|---|---|---|---|
| Net income (12 months) | 44.7M USD | 42.0M USD | −6.2% |
| Free cash flow (12 months) | 47.4M USD | 44.0M USD | −7.1% |
| Cash | 246.7M USD | 220.6M USD | −10.6% |
| Shares outstanding | 9.5M | 9.5M | +0.1% |
From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.
Valuations in Banks - Regional are within their usual range since 2016.
| Key ratios | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | Change |
|---|---|---|---|---|---|---|
| Return on assets (ROA) | 1.7% | 1.9% | 1.6% | 2.6% | 2.2% | ▼ 0.4 pts |
| Return on equity (ROE) | 18.2% | 20.6% | 16.6% | 21.4% | 17.2% | ▼ 4.3 pts |
Price history is added with the daily price update and will appear after the next one.