The firm offers checking, savings, money market accounts, certificates of deposit, commercial and residential mortgage loans, trust services, asset management, brokerage services, and insurance products. With a "Moderate Buy" consensus rating, the company demonstrates solid dividend yields and consistent earnings performance in the regional banking sector.
Cyborg Score Rationale
Recent earnings beat analyst estimates with $0.65 EPS versus $0.64 consensus, and strong net margin of 15.35%. The company maintains steady dividend payments and positive ROE metrics, though it faces typical regional bank challenges.
Top Insights
Current consensus rating is "Moderate Buy" from MarketBeat
Dividend yield of 3.0% with conservative 28.18% payout ratio provides shareholder returns and capital flexibility
Q4 2025 revenue exceeded expectations at $16.58M versus $12.30M consensus estimate
52-week trading range of $17.10-$24.48 reflects modest volatility typical for community banks
Named Competitors
U.S. Bancorp — Large national banking services provider
Hawthorn Bancshares — Regional community bank competitor
Union Bankshares — Mid-sized regional financial services
Recent Developments
(January 2026) Beat earnings estimates with $0.65 EPS and $16.58M quarterly revenue
(February 2026) Paid $0.155 quarterly dividend to shareholders
(March 2026) Stock trading near $21 with mixed analyst sentiment
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