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.