I'm LongbridgeAI, I can summarize articles.Revenue: As of FY2025 Q3, the actual value is USD 115.61 M.
EPS: As of FY2025 Q3, the actual value is USD 0.59.
EBIT: As of FY2025 Q3, the actual value is USD -63.31 M.
Financial Metrics Summary
Segment Revenue
- Total deposits increased $644.3 million year-over-year, with core deposits (excluding brokered and time deposits) increasing $971.9 million year-over-year.
- Business loans grew $160.5 million on a linked quarter basis and $409.1 million year-over-year.
Operational Metrics
- Net income available to common stockholders was $25.8 million for the quarter ended September 30, 2025, compared to $27.9 million for the quarter ended June 30, 2025, and $11.5 million for the quarter ended September 30, 2024.
- Adjusted net income available to common stockholders (non-GAAP) totaled $26.6 million for the quarter ended September 30, 2025.
- The net interest margin increased to 3.01% for the third quarter of 2025 compared to 2.98% for the prior quarter and 2.50% for the third quarter of 2024.
- The efficiency ratio decreased to 53.8% for the third quarter of 2025 compared to 55.0% for the prior quarter.
Cash Flow
- Operating cash flow and free cash flow figures are not explicitly detailed in the provided reference.
Unique Metrics
- The Company’s Common Equity Tier 1 Ratio increased to 11.53% at the end of the third quarter.
Outlook / Guidance
- The Company anticipates continued net interest margin expansion in the fourth quarter due to the Federal Reserve rate cut and improved spread between loan and deposit rates.
- There is a significant loan repricing opportunity that will continue through 2027, which is expected to benefit net interest margin over time.
- Core deposit growth and business loan growth are expected to continue benefiting the Company’s net interest margin as it grows its customer base and hires productive bankers.