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Not a good buy right now for an impatient investor. The setup is still technically bearish (downtrend moving averages, MACD below zero) and options positioning is slightly put-skewed, suggesting cautious-to-bearish near-term sentiment. With no proprietary buy signals active, I’d wait rather than initiate a new position at $15; the better “buy now” case would require reclaiming the ~$15.13 pivot and holding above it.
Trend is bearish-to-neutral: SMA_200 > SMA_20 > SMA_5 indicates the stock remains in a broader downtrend with weak short-term structure. MACD histogram is negative (-0.0308) but contracting, implying downside momentum is fading, not reversing yet. RSI(6) at 42.4 is neutral/soft, consistent with weak demand but not oversold. Price ($15) is slightly below the pivot (15.132), so bulls have not regained control; key downside levels are S1 14.842 then S2 14.662, while upside resistance sits at R1 15.422 and R2 15.602. Pattern-based projection is modestly positive over 1W to 1M (+0.44% / +1.91%), but the trend indicators suggest those gains are not high-conviction without a break back above the pivot.
Intellectia Proprietary Trading Signals

on 2026-02-24 after hours (EPS est. 0.40), which can reset expectations if credit results and NII trend stay solid. Recent commentary from the sell-side notes continued good credit results. Latest quarter (2025/Q
showed modest growth: revenue +2.09% YoY, net income +5.70% YoY, EPS +7.50% YoY, supporting fundamental stability.
also caps near-term enthusiasm.
Latest reported quarter: 2025/Q3. Revenue rose to 58,671,000 (+2.09% YoY). Net income increased to 23,305,000 (+5.70% YoY). EPS improved to 0.43 (+7.50% YoY). Overall: steady, incremental growth rather than an acceleration—supportive for stability, but not a strong “chase it now” growth signal.
Recent analyst action (2025-11-18): Keefe Bruyette lowered the price target to $16.50 from $17 and maintained Market Perform. Wall Street pros: stable credit results and steady earnings growth. Cons: the target was cut (slightly reduced confidence/upside), and the rating implies limited outperformance expectation versus peers/market in the near term.