Provides commercial and retail deposit products, including checking, savings, and money market accounts. Now — the numbers.
This is an established company with proven profits.
Average growth of 12% a year over the last 4 years. Every year shown ended in profit.
The market pays 12.8× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
No analyst target is on record for this company.
Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.
The stock trades below its recent peak — about 14% off the top. A pullback, not a collapse.
The net profit margin is 15% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 12% a year on average.
It pays out $0.98 per share each year — regular cash for whoever holds the stock.
Over the last 12 months, executives reported 148 sells against just 27 buys. Not an alarm bell by itself, but a number worth watching.
The price action doesn’t yet back an upward turn.
We grade companies — revenue, margins, balance sheets. This is a fund, so there is no report card to give. That is not a low grade; it is a different kind of thing.
One-line summary: a basket, not a business. Judge it by what it holds.