Price
$21.32+5.08%Social Signal Score
Analyst Ratings
18 analysts52-week range
- Last close
- $21.32
- Off 52w high
- -2.9%
- 200-day average
- $18.34
- vs 200-day
- +16.2%
Revenue
$66.99M-6.27%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Thomas Michael Price
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 1,589
- Beta
- 0.73
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- -0.52
Financials
Revenue
$66.99M-6.3%Net Income
$44.59M+159.3%EBITDA
$-47.67M-281.5%Free Cash Flow
$380.0K-98.2%EPS (diluted)
$0.44+131.6%Shares Outstanding (diluted)
101.97M+14.6%Operating Expenses
$53.62MCash & Debt
$1.78BReturn of Capital
$26.28MDividend per Share
$0.14Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $729.44M | $152.30M | $1.48 |
| 2024 | $699.69M | $142.57M | $1.40 |
| 2023 | $626.61M | $157.06M | $1.55 |
| 2022 | $428.66M | $128.18M | $1.37 |
| 2021 | $400.60M | $138.26M | $1.47 |
| 2020 | $395.69M | $73.45M | $0.76 |
| 2019 | $410.75M | $105.33M | $1.07 |
| 2018 | $380.89M | $107.50M | $1.09 |
| 2017 | $330.88M | $55.16M | $0.57 |
| 2016 | $282.21M | $59.59M | $0.67 |
| 2015 | $265.40M | $50.14M | $0.56 |
| 2014 | $263.04M | $44.45M | $0.48 |
| 2013 | $266.52M | $41.48M | $0.44 |
| 2012 | $284.51M | $41.95M | $0.42 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from FCF's reported EPS growth of 10.2% a year over 13 years.
- EPS in 5 years
- $2.41
- Implied price
- $26.48
- Return from $20.56
- 5.2% a year
To earn 15.0% a year on these assumptions you'd need to buy at $13.16 — -36.0% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 7 | 9 | 11 | 13 | 15 |
|---|---|---|---|---|---|
| 0.2% | -12.6% | -8.1% | -4.4% | -1.1% | 1.8% |
| 5.2% | -8.3% | -3.5% | 0.4% | 3.8% | 6.8% |
| 10.2% | -3.9% | 1.0% | 5.2% | 8.8% | 11.9% |
| 15.2% | 0.5% | 5.6% | 10.0% | 13.7% | 17.0% |
| 20.2% | 4.8% | 10.2% | 14.7% | 18.6% | 22.1% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
70+100.00%Social Signal Score
Mentions (28)
- Newsseekingalpha.com·1d ago·Positive
Does Verizon's 6.2% Dividend Yield Have A Starlink Risk? Verizon demonstrates robust fundamentals, with strong FCF, rising net additions, and strategic fiber deals supporting a resilient investment case. VZ raised its 2026 FCF growth guidance to 9–10%, demonstrating strong momentum and disciplined capital allocation. VZ offers a 6% QDI yield, backed by a 20-year payout growth streak, and an investment-grade balance sheet.
View source ↗ - Newsseekingalpha.com·3d ago·Neutral
Riley Exploration Permian: Significant FCF Generation Expected In H2 2026 Riley increased its 2026 capex budget by $26 million and its oil production guidance by 2%. It also plans to add around 10 net DUCs by the end of the year. Riley's 2H 2026 free cash flow is projected at over $100 million before working capital changes and dividends.
View source ↗ - Newsseekingalpha.com·5d ago·Negative
Sandisk: Reduced Cyclicality And A Forward FCF Yield Of 10% Bolster The Investment Case Sandisk, which has exploded by over 4700% since its debut, looks set to make a mockery of the large spin-off thesis. SNDK is priced like a cyclical stock at the end of an upturn, when it is on course to still see robust earnings growth and a healthier financial profile. In a CAPEX heavy environment for memory players, SNDK looks well placed to deliver relatively lower manufacturing costs per gigabyte.
View source ↗ - Newsseekingalpha.com·13d ago·Positive
SK hynix: It's Getting Better And Better SK hynix remains a Buy as capital return commitments and valuation outweigh new competitive risks. The company approved a record 40T won buyback and raised its shareholder return target to over 50% of cumulative FCF. SKHY trades at a forward P/E of 7 and a forward FCF yield of 10.7%, significantly below peers.
View source ↗ - Newsseekingalpha.com·14d ago·Positive
Sandisk Is Still Not Peaking Sandisk Corporation remains a Buy, with fundamentals and momentum intact despite recent volatility and a 23% pullback from highs. SNDK's multi-year NBMs, record FCF, and robust customer demand underpin strong earnings visibility and support a 22-23% upside to a $2,200 price target. Management targets 80% gross, 75% EBIT, and 50% FCF margins (FY2028-30), driven by enterprise/AI demand and next-gen products like BiCS10 and HBF.
View source ↗ - Newsseekingalpha.com·17d ago·Neutral
Antero Resources: Strong H2 2026 FCF Expected Amidst Cost Reduction Efforts Antero Resources is projected to generate a bit over $1.15 billion in H2 2026 free cash flow. While near-term natural gas prices are mediocre, Antero is over 60% hedged on its 2H 2026 natural gas production. Antero benefits from strong near-term liquids prices and is unhedged on liquids.
View source ↗ - Newszacks.com·19d ago·Neutral
Amazon's AI Bet Is Paying Off in Revenues: Why Isn't FCF Following? AMZN's AI spending is fueling faster AWS growth, but surging capex has pushed free cash flow negative and increased reliance on debt.
View source ↗ - Newsseekingalpha.com·21d ago·Positive
Meta: The Case For $1,000 Is Easy To Make Meta Platforms (META) is undervalued, with a DCF-based fair value estimate exceeding $1,000 per share despite near-term negative FCF (net SBC). Robust advertising revenue growth, resilient user engagement, and early AI-driven improvements underpin META's long-term investment case. Current capex surge is strategic and reversible, with future FCF margins modeled to rebound as infrastructure buildout normalizes.
View source ↗ - Newsseekingalpha.com·21d ago·Positive
Freeport-McMoRan: Recovering From Grasberg Drives Potential 10% FCF Yield Freeport-McMoRan is a top pure-play copper miner, well-positioned amid a structural copper bull market driven by electrification and disciplined supply. FCX's Grasberg mine accident led to a production dip and higher costs, but market impact has largely normalized; Grasberg recovery is key to margin restoration. I value FCX at 9x EV/EBITDA, yielding a YE27 price target of $97—35% upside—assuming Grasberg reaches 70% capaci…
View source ↗ - Newsseekingalpha.com·23d ago·Positive
Murphy Oil: FCF Focus Makes A Difference Through Better Offshore Results Murphy Oil management believes the stock is undervalued, citing past earnings volatility from frequent exploratory dry holes. Exploration outside Malaysia led to repeated write-offs, prompting a strategic overhaul of the exploration process and department. Management emphasizes balancing exploration, risk, and reward.
View source ↗ - Newsseekingalpha.com·26d ago·Positive
…offers a 5.61% qualified dividend yield, backed by 20 years of consecutive increases and robust free cash flow growth. VZ delivered record adjusted EBITDA, 24.4% YoY FCF growth, and raised 2026 guidance for EPS and FCF, signaling operational and financial momentum. The shift away from subsidized handset promotions is structurally improving margins, while new AI infrastructure deals and cost programs drive future cash flow.
View source ↗ - Newszacks.com·27d ago·Neutral
Can Western Digital's Strong FCF Sustain Buybacks and Dividends? WDC entered fiscal 2027 with stronger cash generation, a net cash position and plans to keep returning free cash flow to shareholders.
View source ↗ - Newsseekingalpha.com·32d ago·Positive
Docusign: Rebounding Net Retention Rates Underpin Cheap FCF Multiples Docusign remains a critical enterprise utility, rebounding post-Q2 with better-than-expected growth and strong operating margins. DOCU excels in multi-product platform sales, enriching margins and generating robust earnings and free cash flow. Despite lacking novel AI features, DOCU's indispensable role in modern workflows and potential for consumption-based pricing drive its investment appeal.
View source ↗ - Newsseekingalpha.com·40d ago·Positive
AT&T: From Contained Downside To Unpriced Upside AT&T is upgraded to Strong Buy, reflecting improved FCF guidance, pricing power, and earnings acceleration. T now guides FCF to ~$18B for 2026, with coverage and dividend growth prospects improving and buybacks set to retire ~5.5% of shares. Wireless ARPU and net adds are both rising, supporting a growth thesis with pricing power and a robust EBITDA trajectory through 2028.
View source ↗ - Newsseekingalpha.com·40d ago·Positive
Adyen: Fairly Valued On FCF, But Don't Ignore The Cash Adyen N.V. remains a 'Buy' as its large cash reserves and healthy balance sheet support both organic and acquisitive growth. ADYEY reported 19% net revenue growth and 17% non-interest revenue growth in H1/26, with management guiding for >20% revenue growth in 2026. Recent acquisitions (Talon.One, Orb) and the launch of Adyen Agentic enhance ADYEY's growth prospects and strategic positioning.
View source ↗ - Newsseekingalpha.com·42d ago·Positive
Marvell: Doubters Created The Opportunity -- 90x FCF For 45% Growth? Here's Why I'm Bullish Marvell Technology is experiencing exceptional demand, projecting 45% y/y revenue growth to $16.5B in fiscal 2028. MRVL's data center segment is the primary growth driver, expected to accelerate from 50% to 55% y/y growth next year. Despite trading at 90x forward free cash flow, I view MRVL as a bargain due to its scale and improving operating leverage.
View source ↗ - Newsseekingalpha.com·47d ago·Positive
Nvidia FQ2 Preview: I'm Seeing A 50%+ FCF Discount Nvidia Corporation is scheduled to release its FQ2 2027 earnings report on August 26. EPS revisions for FQ2 are dominantly bullish, but still fail to fully reflect NVDA's upside. I expect NVDA's updated cash flow for FQ2 and the full year 2027 to lead to more than a 50% FCF (free cash flow) valuation discount versus the current share price and/or close.
View source ↗ - Newsseekingalpha.com·48d ago·Positive
MTY Food Group: 5 Reasons Why Mr. Market Is Wrong On This Canadian Restaurant Operator MTY Food Group trades at just 6x FCF, offering a 16% FCF yield and deep value for a historically cash-generative, diversified, asset-light franchisor. Cold Stone Creamery and Wetzel's Pretzels alone are conservatively worth nearly MTY's entire market cap, highlighting significant undervaluation. Despite declining same-store sales, MTY's FCF/share, dividends, and buyback potential remain robust, with most brand…
View source ↗ - Newsseekingalpha.com·48d ago·Neutral
…eal, valued at over $20 billion, is expected to drive rapid revenue growth but creates significant customer concentration and requires heavy upfront capex. Near-term FCF margins will likely remain negative due to data center expansion, with positive FCF margins forecasted only by 2029 as scale and margins improve.
View source ↗ - Newsseekingalpha.com·50d ago·Positive
Chord Energy: Q2 Strengthens The Buyback And FCF-Per-Share Thesis Chord Energy demonstrates disciplined capital allocation, prioritizing free cash flow per share through operational efficiency, aggressive buybacks, and a clean balance sheet. Q2 results validate the thesis: FCF exceeded expectations, oil production hit guidance highs, and share count fell meaningfully, driving per-share value growth. Management commits to returning at least 75% of adjusted FCF to shareholders from Q3, primarily v…
View source ↗ - Newsseekingalpha.com·51d ago·Neutral
MTY Food Group: Buying Consistent Cash Flows At A Bargain Price MTY Food Group offers resilient, recurring cash flows from a diversified, predominantly franchised portfolio of 90 brands, trading at a P/FCF below 7. I rate MTY as a Buy with a conservative fair value of $55 per share, reflecting 60% upside and a 4.2% dividend yield. Despite 11 quarters of negative same-store sales, MTY's FCF remains robust; ongoing strategic review provides near-term optionality.
View source ↗ - Newsseekingalpha.com·52d ago·Positive
Central Garden & Pet Company: The 10% FCF Yield PE Arbitrage Nobody's Pricing In Central Garden & Pet offers 45% upside to a $65 base-case target, driven by discounted valuation and strategic expansion. The TRIXIE acquisition establishes CENT as a global leader, unlocking European growth and M&A opportunities at attractive multiples. Portfolio optimization and a shift to branded products have expanded margins to ~13%, with 10.3% FCF yield and robust buybacks.
View source ↗ - Newsetftrends.com·53d ago·Neutral
Free Cash Flow ETFs: How VictoryShares Matches FCF Strategies to Advisor and Client Needs Two recent TMX VettaFi advisor polls found that unfamiliarity with free cash flow (FCF) yield and portfolio integration are the top hurdles to broader adoption of FCF strategies. The findings shape how VictoryShares and Solutions positions its FCF ETF suite for advisors navigating today's market.
View source ↗ - Newsseekingalpha.com·53d ago·Negative
Magnera Corporation: Executing But Abandoned Magnera Corporation (MAGN) is executing well post-merger, integrating operations, growing earnings, and reducing leverage in the nonwoven industry. MAGN trades at 5.5x FY26E EBITDA versus peers at 9x, with a ~20% FCF yield, highlighting a significant valuation disconnect. Management expects FY26 EBITDA towards the low end of $380–410m and FCF of $90–110m, with potential for >$400m EBITDA and $120m FCF in FY27.
View source ↗ - Newszacks.com·54d ago·Neutral
Western Digital's $3.5B FCF: Can Growth Continue in Fiscal 2027? WDC generates $3.5 billion in fiscal 2026 FCF as demand, pricing and high-capacity drives boost margins and cash flow.
View source ↗ - Newsseekingalpha.com·55d ago·Neutral
Talen Energy: Very Solid FCF Yield, With More Upside If Data Center Pipeline Converts Talen Energy remains a buy, with robust FCF growth visibility driven by data center demand and the Cornerstone acquisition. TLN raised 2026 adj. EBITDA guidance to $2.025–2.225 billion and adj. FCF to $1.2–1.35 billion, excluding Keystone, implying further upside. The 2028/2029 PJM capacity auction and a growing data center pipeline underpin a more predictable, resilient earnings base and margin mix.
View source ↗ - Newsseekingalpha.com·56d ago·Neutral
Nvidia: Durable FCF As Company Expands Beyond Datacenter GPUs Nvidia (NVDA) is initiated with a buy rating, driven by exceptional free cash flow generation and reasonable valuation multiples versus peers. NVDA's FCF reached $96.6B in FY26, with plans to return over 50% to shareholders and an $80B buyback boost. Customer diversification beyond hyperscalers and resilient GPU pricing trends support durable growth and reduce cyclicality risks.
View source ↗ - Newsseekingalpha.com·57d ago·Negative
Meta: FCF Crash Concerning, But I Expect Higher Spending To Pay Off Meta Platforms trades at a sub-20x forward P/E, offering long-term upside despite recent volatility and a sharp free cash flow decline. Q2 saw a 13% EPS drop and a 90% FCF decline, driven by a 55% expense increase and heavy AI infrastructure investment, but revenue grew 28%. Meta's fortress balance sheet, with $90.3B cash versus $83.7B debt, supports ongoing dividend payments and strategic flexibility during elevated CapEx.
View source ↗
Earnings
Tue, Oct 27(in 3 weeks)
Consensus estimate $0.46 per share
Typical surprise +0.0% (median, so one quarter with a near-zero estimate can't distort it)
- Tue, Jul 28$0.44 vs $0.42beat
- Tue, Apr 28$0.37 vs $0.42miss
- Tue, Jan 27$0.43 vs $0.41beat
- Tue, Oct 28$0.39 vs $0.41miss
- Tue, Jul 29$0.38 vs $0.34beat
- Tue, Apr 29$0.32 vs $0.32beat
Estimates and results for FCF via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by FCF officers and directors.
- Bought
- $19k
- Sold
- $2.5m
1 trade
92 trades
- Reske James Rsold
- Reske James Rsold
- Reske James Rsold
- Reske James Rsold
- Reske James Rsold
- Reske James Rsold
- Reske James Rsold
- Reske James Rsold
7 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in FCF.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.