West Bancorp | 8-K: FY2025 Q3 Revenue: USD 51.43 M

Revenue: As of FY2025 Q3, the actual value is USD 51.43 M.

EPS: As of FY2025 Q3, the actual value is USD 0.55, beating the estimate of USD 0.47.

EBIT: As of FY2025 Q3, the actual value is USD -11.05 M.

Segment Revenue

• Net Interest Income: $22.5 million in Q3 2025, up from $21.4 million in Q2 2025, primarily due to an increase in interest income on loans and cash and cash equivalents.
• Noninterest Income: $2.5 million in Q3 2025, up from $2.4 million in Q2 2025, driven primarily by an increase in trust services revenue.

Operational Metrics

• Net Income: $9.3 million in Q3 2025, up from $7.9 million in Q2 2025.
• Efficiency Ratio: 54.06% in Q3 2025, improved from 56.45% in Q2 2025.
• Net Interest Margin: 2.36% in Q3 2025, up from 2.27% in Q2 2025.
• Return on Average Equity (ROAE): 15.25% in Q3 2025, up from 13.65% in Q2 2025.
• Return on Average Assets (ROAA): 0.92% annualized for Q3 2025.
• Diluted EPS: $0.55 for Q3 2025.

Cash Flow

• Operating Cash Flow: Not explicitly mentioned in the reference.
• Free Cash Flow: Not explicitly mentioned in the reference.

Unique Metrics

• Total Assets: $4.0 billion as of September 30, 2025.
• Gross Loans: $3.0 billion as of September 30, 2025.
• Total Deposits: $3.3 billion as of September 30, 2025.
• Nonperforming Assets (NPAs)/Assets: 0.00% as of September 30, 2025.
• Allowance for Credit Losses (ACL)/Loans: 1.01% as of September 30, 2025.
• Loan Mix: Commercial and Industrial (C&I) loans 17%, Commercial Real Estate (CRE) - Non-Owner Occupied (NOO) 36%, CRE - Owner Occupied (OO) 13%, Multifamily 14%, 1-4 Family 3%, Construction and Development (C&D) 15%, Consumer and other 2%.

Outlook / Guidance

• The company anticipates continued growth in interest income driven by higher loan yields and market rates. They also expect to maintain strong asset quality and credit risk management practices.