EPS: As of FY2025 Q1, the actual value is USD 0.95.

EBIT: As of FY2025 Q1, the actual value is USD 9.083 K.

Segment Revenue

• Interest and Dividend Income: Total interest and dividend income for the three months ended March 31, 2025 was $28,378,000, an increase from $26,230,000 for the same period in 2024.

Operational Metrics

• Net Income: Net income for the three months ended March 31, 2025 was $7,367,000, compared to $3,808,000 for the same period in 2024.
• Net Interest Income: Net interest income for the three months ended March 31, 2025 was $16,140,000, compared to $13,746,000 for the same period in 2024.
• Provision for Credit Losses: The provision for credit losses was - $2,969,000 for the three months ended March 31, 2025, compared to $138,000 for the same period in 2024.

Cash Flow

• Net Cash Provided by Operating Activities: Net cash provided by operating activities for the three months ended March 31, 2025 was $63,000, compared to $2,268,000 for the same period in 2024.

Unique Metrics

• Earnings Per Share (EPS): Basic EPS for the three months ended March 31, 2025 was $0.97, compared to $0.51 for the same period in 2024.

Future Outlook and Strategy

• Core Business Focus: The company is focused on maintaining a strong net interest margin, which increased to 3.13% for the three months ended March 31, 2025, compared to 2.69% for the same period in 2024.
• Non-Core Business: The company is undergoing a merger with Northwest Bancshares, Inc., expected to close in the third quarter of 2025, which may impact future operations and synergies.