Revenue: As of FY2025 Q3, the actual value is USD 118.75 M.EPS: As of FY2025 Q3, the actual value is USD 0.88, beating the estimate of USD 0.875.EBIT: As of FY2025 Q3, the actual value is USD -39.76 M.<h3>Segment Revenue</h3><ul><li>Net Interest Income: Increased by $3.5 million, or 4.9%, to $76.4 million in the third quarter of 2025 compared to the previous quarter.</li><li>Non-Interest Income: Increased to $9.2 million from $8.0 million in the prior quarter, with core non-interest income at $10.0 million, up from $9.3 million.</li><li>Deposit Growth: $149.0 million for 3Q25.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $26.8 million, or $0.88 per diluted share, compared to $26.0 million, or $0.84 per diluted share, in the previous quarter.</li><li>Core Net Income: $27.6 million, or $0.91 per diluted share, compared to $27.0 million, or $0.88 per diluted share, in the previous quarter.</li><li>Non-Interest Expense: Increased by $3.0 million to $43.6 million, with core non-interest expense at $43.4 million, an increase of $2.9 million from the prior quarter.</li><li>Provision for Credit Losses: $5.3 million, up from $4.9 million in the previous quarter.</li><li>Core Efficiency Ratio: 50.17% for 3Q25.</li><li>Core ROAA: 1.27% for 3Q25.</li><li>Core ROATCE: 14.65% for 3Q25.</li></ul><h3>Cash Flow</h3><ul><li>Operating Cash Flow: Not explicitly detailed in the reference.</li><li>Free Cash Flow: Not explicitly detailed in the reference.</li></ul><h3>Unique Metrics</h3><ul><li>Net Interest Margin: Increased by 5 basis points to 3.60%.</li><li>Tangible Book Value per Share: Increased by $0.98, or 4.0%, to $25.31.</li><li>Tier 1 Leverage Ratio: 9.18% and Common Equity Tier 1 Ratio: 14.21%.</li><li>Political Deposits: $1.444 billion for 3Q25, up from $1.209 billion in 2Q25.</li><li>Total Non-Performing Assets: $23.0 million for 3Q25, down from $35.2 million in 2Q25.</li><li>Allowance for Credit Losses on Loans: 1.18% of total loans for 3Q25.</li><li>Tangible Common Equity Ratio: 8.79% for 3Q25.</li></ul><h3>Outlook / Guidance</h3><ul><li>The company anticipates maintaining strong earnings quality and sustainability, which will allow it to handle problem situations with ease. The focus remains on delivering great results and managing challenges effectively.</li><li>2025 Guidance: The company expects year-end balance sheet growth of approximately 3%, a Tier 1 leverage baseline of 9.0%, a core efficiency ratio outer band of 52%, annual core ROAA of 1.3%, and core revenue growth between 3.5% and 5.0%.</li><li>4Q25 Outlook: Net interest income is projected to be between $75 million and $76 million, and core pre-tax pre-provision earnings are expected to be between $41 million and $42 million.</li></ul>

Amalgamated Financial | 8-K: FY2025 Q3 Revenue: USD 118.75 M