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Insufficient data to determine institutional momentum.
Data as of Q3 2026
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Top 1 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $95K buybacks = $95K returned on $10.9M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 9 years — and what it earned on reinvestment.
A reinvestment story — most cash went back into growth rather than to shareholders.
Insufficient data. Current ROIC on all capital: 7%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 9 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
Interest expense isn't separately reported — often netted into “other income (expense), net.” Interest last disclosed in FY2023 (no longer broken out).
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2025
Dividends and buybacks are cash paid out, shown here against the same year's profit for scale — not funded from it.
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.0M 100.0% | $3.0M 100.0% | $2.9M 100.0% | $2.8M 100.0% | $2.6M 100.0% | $2.3M 100.0% | $2.8M 100.0% | $2.8M 100.0% | $2.4M 100.0% |
| Interest Expense | — | — | $22.7M 788.0% | $6.8M 238.8% | $4.3M 165.9% | $8.0M 352.3% | $8.7M 309.5% | $5.3M 189.6% | $3.3M 137.2% |
| Pretax Income | $12.7M 425.1% | -$10.9M -364.3% | $5.6M 194.9% | $8.9M 314.5% | $15.0M 580.1% | $7.5M 328.5% | $7.5M 265.3% | $5.4M 191.4% | $6.6M 274.3% |
| Income Tax Expense | $2.6M 88.5% | -$2.3M -77.2% | $1.2M 42.3% | $1.9M 67.1% | $3.4M 132.9% | $1.6M 68.5% | $1.5M 54.1% | $1.0M 36.1% | $3.6M 149.5% |
| Net Income | $10.0M 336.6% | -$8.6M -287.1% | $4.4M 152.6% | $7.0M 247.3% | $11.6M 447.3% | $5.9M 260.0% | $6.0M 211.2% | $4.4M 155.3% | $3.0M 124.8% |
| Per Share | |||||||||
| EPS (Basic) | $0.93 | -$0.80 | $0.41 | $0.65 | $1.07 | $0.55 | $0.56 | — | — |
| EPS (Diluted) | $0.92 | -$0.80 | $0.40 | $0.64 | $1.06 | $0.55 | $0.56 | — | — |
| Weighted Avg Shares (Basic) | 10.8M | 10.8M | 10.8M | 10.8M | 10.8M | 10.7M | 10.7M | — | — |
| Weighted Avg Shares (Diluted) | 11.0M | 10.8M | 10.9M | 11.0M | 11.0M | 10.7M | 10.7M | — | — |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
EOD close · as of 2026-10-30
Where each multiple sits in its own 7-yr range · 73th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 7-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 7% against ROIC 7% — 0% of the return on equity comes from leverage and buybacks rather than from the operating business.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Income Tax | 36.1 | 54.1 | 68.5 | 132.9 | 67.1 | 42.3 | -77.2 | 88.5 |
| Net Income | 155.3 | 211.2 | 260.0 | 447.3 | 247.3 | 152.6 | -287.1 | 336.6 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on RBKB: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
No positive operating income in the last three years, so there is no return on capital to compare against its cost.
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2017 | not reported | not reported | 124.8% |
| FY2018 | not reported | not reported | 155.3% |
| FY2019 | not reported | not reported | 211.2% |
| FY2020 | not reported | not reported | 260.0% |
| FY2021 | not reported | not reported | 447.3% |
| FY2022 | not reported | not reported | 247.3% |
| FY2023 | not reported | not reported | 152.6% |
| FY2024 | not reported | not reported | -287.1% |
| FY2025 | not reported | not reported | 336.6% |
Return on equity (7%) and return on invested capital (7%) are within a couple of points in FY2025, so the headline return is the operating return — there is no meaningful leverage effect to strip out.
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: positive EBIT.
Free cash flow of $11M exceeds revenue of $3M, so the cash flow statement is carrying customer balances rather than earnings. Cash conversion cannot be read here.
Banks, brokers, insurers and payment companies run customer money through operating cash flow. Treat free cash flow, FCF yield and any DCF on this company as unreliable.
Missing from our data, so excluded from this answer: free cash flow attributable to the company.
Leverage is not measurable this way for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
At $12.85, free cash flow must compound 10.23%/yr for 10 years. It has done 2.27%/yr over 6 years.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2020 | 36.3% | 10.2% |
| FY2021 | −54.7% | 10.2% |
| FY2022 | 132.4% | 10.2% |
| FY2023 | −52.6% | 10.2% |
| FY2024 | 18.7% | 10.2% |
| FY2025 | 41.9% | 10.2% |
The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM.
The cost of capital could not be computed for this company, so the requirement is solved at the published 10% default — a different rate would move it materially.
Last reported position per insider, carried forward. Steps can be a holding disclosed for the first time rather than a trade.
| Date | Insider | What it was | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-08-06 | Vitale Michael EVP, Head of Comm Banking | Open-market buy | 4,834 | $12.35 | $60k |
| 2026-07-22 | 2 co-filers Group filing | Open-market buy | 500 | $11.92 | $6k |
| 2026-07-22 | Vitale Michael EVP, Head of Comm Banking | Open-market buy | 5,000 | $11.94 | $60k |
| 2026-07-22 | 2 co-filers President & CEO | Open-market buy | 2,300 | $11.99 | $28k |
| 2026-07-22 |
Every row is classified by what it MEANT, not by its SEC code. A code is not a meaning: code P (“purchase”) also covers dividend reinvestment and employee stock purchase plans, and code S (“sale”) also covers 10b5-1 plan sales scheduled months earlier and option exercises sold the same day.
Across 30 days of all filings, $5.08bn of insider selling contained $3.50bn of plan sales and $0.46bn of exercise-and-sell. Only 29% was discretionary. Reading an unclassified feed badly overstates how much insiders decided.
Buys and sales are counted separately and never netted. They are different decisions by different people; a company where one officer bought while another sold is not “neutral”.
The holding line carries each insider's last reported position forward, so it shows the total held rather than a sawtooth of whoever traded that day. It covers only insiders who filed in the window.
“Filed late” counts calendar days past the two-business-day deadline with five days' grace, so a Thursday or Friday trade crossing a weekend is never flagged. It describes the company's filing discipline, not the trade.
Insider activity is descriptive. Nothing here is investment advice.
Patzwahl Nancy Koskey Director |
| Open-market buy |
| 25,000 |
| $11.94 |
| $299k |
| 2026-07-22 | 2 co-filers President & CEO | Open-market buy | 10,125 | $12.00 | $122k |
| 2026-07-22 | 2 co-filers Group filing | Open-market buy | 12,000 | $11.93 | $143k |
| 2026-07-21 | Lafrance Shannon Martin Director | Grant | 2,700 | $10.00 | $27k |
| 2026-07-21 | Irwin William C. Director | Grant | 10,000 | $10.00 | $100k |
| 2026-07-21 | Garcia Freddimir Director | Grant | 500 | $10.00 | $5k |
| 2026-07-21 | 2 co-filers SVP, Chief Accounting Officer | Grant | 500 | $10.00 | $5k |
| 2026-07-21 | Chestney Christopher W. Director | Grant | 10,000 | $10.00 | $100k |
| 2026-07-21 | Bloom Jamie J. Chief Operating Officer | Grantindirect | 1,000 | $10.00 | $10k |
| 2026-07-21 | Mccardle James T. Iii Chief Credit & Risk Officer | Grantindirect | 2,500 | $10.00 | $25k |
| 2026-07-21 | 2 co-filers SVP, Chief Accounting Officer | Grantindirect | 1,368 | $10.00 | $14k |
| 2026-07-09 | Nihill Kevin M CFO and Treasurer | Tax withholding | 1,468 | $17.08 | $25k |
| 2026-05-26 | Chestney Christopher W. Director | Grant | 1,624 | $0.00 | $0 |
| 2026-05-26 | Howell Steven E Director | Grant | 1,624 | $0.00 | $0 |
| 2026-05-26 | Mccardle James T. Iii Chief Credit & Risk Officer | Grant | 8,182 | $0.00 | $0 |
| 2026-05-26 | Bloom Jamie J. Chief Operating Officer | Grant | 10,487 | $0.00 | $0 |
| 2026-05-26 | Patzwahl Nancy Koskey Director | Grant | 1,624 | $0.00 | $0 |
| 2026-05-26 | Mcginnis Sharon Director | Grant | 1,624 | $0.00 | $0 |
| 2026-05-26 | Loughlin Suzanne Director | Grant | 1,624 | $0.00 | $0 |
| 2026-05-26 | Lafrance Shannon Martin Director | Grant | 1,624 | $0.00 | $0 |
| 2026-05-26 | Lekanides Phillip SVP, Chief Accounting Officer | Grant | 3,410 | $0.00 | $0 |
| 2026-05-26 | Garcia Freddimir Director | Grant | 1,624 | $0.00 | $0 |
| 2026-05-26 | Smith Matthew James President & CEO | Grant | 17,046 | $0.00 | $0 |
| 2026-05-26 | Nihill Kevin M CFO and Treasurer | Grant | 9,632 | $0.00 | $0 |
| 2026-05-26 | Beeler Donald E. Jr. Director | Grant | 1,624 | $0.00 | $0 |
| 2026-05-26 | Irwin William C. Director | Grant | 1,624 | $0.00 | $0 |
| 2026-05-19 | Bronzi Philip J 1st SVP, Com Mkt Pres | Open-market sale | 4,162 | $15.91 | $66k |
| 2026-05-04 | 2 co-filers SVP, Chief Accounting Officer | Option exercise | 500 | $6.57 | $3k |
| 2026-05-04 | 2 co-filers SVP, Chief Accounting Officer | Option exercise | 500 | $0.00 | — |
| 2026-04-28 | 3 co-filers 1st SVP, Com Mkt Pres | Option exercise | 7,000 | $6.57 | $46k |
| 2026-04-28 | 3 co-filers 1st SVP, Com Mkt Pres | Tax withholding | 2,838 | $16.20 | $46k |
| 2026-04-28 | 3 co-filers 1st SVP, Com Mkt Pres | Option exercise | 7,000 | $0.00 | — |
| 2026-04-21 | Vitale Michael EVP, Head of Comm Banking | Grant12d late | 9,000 | $0.00 | $0 |
| 2025-12-03 | 3 co-filers Chief Lending Officer | Open-market sale | 3,446 | $11.05 | $38k |
| 2025-12-03 | 3 co-filers Chief Lending Officer | Open-market sale | 1,500 | $11.15 | $17k |
| 2025-12-03 | 3 co-filers Chief Lending Officer | Open-market sale | 100 | $11.16 | $1k |