I'm LongbridgeAI, I can summarize articles.EPS: As of FY2025 Q2, the actual value is USD 0.65.
EBIT: As of FY2025 Q2, the actual value is USD 72.01 M.
Commercial Loans
Multi-family
- Net Loans: $4,867,340 as of March 31, 2025.
- Non-accrual Loans: $10,477 as of March 31, 2025.
- Allowance for Credit Losses: $26,556 as of March 31, 2025.
Commercial Real Estate
- Net Loans: $3,639,477 as of March 31, 2025.
- Non-accrual Loans: $29,320 as of March 31, 2025.
- Allowance for Credit Losses: $38,469 as of March 31, 2025.
Commercial & Industrial
- Net Loans: $2,384,745 as of March 31, 2025.
- Allowance for Credit Losses: $60,147 as of March 31, 2025.
Construction
- Net Loans: $1,211,336 as of March 31, 2025.
- Allowance for Credit Losses: $19,406 as of March 31, 2025.
Land - Acquisition & Development
- Net Loans: $136,061 as of March 31, 2025.
- Allowance for Credit Losses: $6,703 as of March 31, 2025.
Consumer Loans
Single-family Residential
- Net Loans: $8,264,318 as of March 31, 2025.
- Non-accrual Loans: $18,734 as of March 31, 2025.
- Allowance for Credit Losses: $40,963 as of March 31, 2025.
Construction - Custom
- Net Loans: $137,501 as of March 31, 2025.
- Non-accrual Loans: $847 as of March 31, 2025.
- Allowance for Credit Losses: $1,076 as of March 31, 2025.
Land - Consumer Lot Loans
- Net Loans: $101,784 as of March 31, 2025.
- Non-accrual Loans: $8 as of March 31, 2025.
- Allowance for Credit Losses: $2,415 as of March 31, 2025.
HELOC
- Net Loans: $288,228 as of March 31, 2025.
- Non-accrual Loans: $300 as of March 31, 2025.
- Allowance for Credit Losses: $3,257 as of March 31, 2025.
Consumer
- Net Loans: $91,920 as of March 31, 2025.
- Non-accrual Loans: $200 as of March 31, 2025.
- Allowance for Credit Losses: $3,717 as of March 31, 2025.
Cash Flow
- Net Cash Provided by Operating Activities: $121,565 for the six months ended March 31, 2025.
- Net Cash Used in Investing Activities: -$728,546 for the six months ended March 31, 2025.
- Net Cash Used in Financing Activities: -$542,660 for the six months ended March 31, 2025.
Future Outlook and Strategy
- The company recorded a provision for credit losses of $2,750,000 for the three months ended March 31, 2025, primarily due to a stable loan receivable balance offset by net charge-offs taken during the quarter.
- Non-performing assets were $70,884,000, or 0.26% of total assets, at March 31, 2025, compared to $77,418,000, or 0.28% of total assets, at September 30, 2024.