---
title: "Medallion Bank UTAH Pref Shares MEDBNK 9.0 Perp 07/01/30 | 10-Q: FY2025 Q2 EPS: USD 0.46"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/251700067.md"
datetime: "2025-08-05T20:12:42.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/251700067.md)
  - [en](https://longbridge.com/en/news/251700067.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/251700067.md)
generator: "portal-rs"
---

# Medallion Bank UTAH Pref Shares MEDBNK 9.0 Perp 07/01/30 | 10-Q: FY2025 Q2 EPS: USD 0.46

EPS: As of FY2025 Q2, the actual value is USD 0.46.

EBIT: As of FY2025 Q2, the actual value is USD 19.47 K.

### Segment Revenue

-   **Recreation Lending**: Total interest income for the three months ended June 30, 2025, was $51,101 thousand, and for the six months ended June 30, 2025, was $101,567 thousand.
-   **Home Improvement Lending**: Total interest income for the three months ended June 30, 2025, was $20,133 thousand, and for the six months ended June 30, 2025, was $39,904 thousand.
-   **Commercial Lending**: Total interest income for the three months ended June 30, 2025, was $3,755 thousand, and for the six months ended June 30, 2025, was $7,098 thousand.
-   **Taxi Medallion Lending**: Total interest income for the three months ended June 30, 2025, was $72 thousand, and for the six months ended June 30, 2025, was $152 thousand.

### Operational Metrics

-   **Recreation Lending**: Net interest income for the three months ended June 30, 2025, was $38,247 thousand, and for the six months ended June 30, 2025, was $76,672 thousand. Provision for credit losses for the three months ended June 30, 2025, was $15,336 thousand, and for the six months ended June 30, 2025, was $32,206 thousand.
-   **Home Improvement Lending**: Net interest income for the three months ended June 30, 2025, was $12,808 thousand, and for the six months ended June 30, 2025, was $25,615 thousand. Provision for credit losses for the three months ended June 30, 2025, was $3,934 thousand, and for the six months ended June 30, 2025, was $6,779 thousand.
-   **Commercial Lending**: Net interest income for the three months ended June 30, 2025, was $2,598 thousand, and for the six months ended June 30, 2025, was $4,888 thousand. Provision for credit losses for the three months ended June 30, 2025, was $2,912 thousand, and for the six months ended June 30, 2025, was $6,026 thousand.
-   **Taxi Medallion Lending**: Net interest income for the three months ended June 30, 2025, was $34 thousand, and for the six months ended June 30, 2025, was $102 thousand. Provision for credit losses for the three months ended June 30, 2025, was - $620 thousand, and for the six months ended June 30, 2025, was - $1,435 thousand.

### Cash Flow

-   **Operating Cash Flow**: Net cash provided by operating activities for the six months ended June 30, 2025, was $25,536 thousand.

### Unique Metrics

-   **Recreation Lending**: Charge-off ratio was 3.11% when including loans held for sale for the three months ended June 30, 2025.
-   **Home Improvement Lending**: Charge-off ratio was 1.87% for the three months ended June 30, 2025.

### Future Outlook and Strategy

-   **Core Business Focus**: The company continues to focus on growing its consumer finance and commercial lending businesses, with a strategic emphasis on recreation and home improvement lending segments.
-   **Non-Core Business**: The taxi medallion lending segment is being managed down, with a focus on maximizing recovery from existing loans.

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**