Provides personal and business checking accounts. Offers retirement and money market accounts. Now — the numbers.
The biggest line carries real weight, but it doesn’t decide everything on its own.
This is an established company with proven profits.
No real growth (1% a year). Red columns mark years that ended in a loss.
The market pays 18.7× for every dollar of annual profit — around what a business like this usually costs.
No analyst target is on record for this company.
Executives buying with their own money is usually read as confidence in the company’s future.
The stock trades below its recent peak — about 12% off the top. A pullback, not a collapse.
The net profit margin is 22% — still a thick cushion, though costs have been eating into it lately.
Over the last 12 months, company executives reported 74 buys and 51 sells. Management buying with its own money is usually read as a good sign.
Over the last 4 years, sales grew only 1% a year on average. At this size, speeding back up is not easy.
We don’t have a report card for this stock yet — the data isn’t mature enough to grade. No grade is information too: it means the evidence is thin.
One-line summary: few numbers, an untested story. Keep watching.