$1.20B
Net Interest Income
$111.30M
Net Income
-
Efficiency Ratio
36.71%
Net Int. Margin
28.2%
ROE
| Breakdown | TTM (Sep 30, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2021 (Dec 31, 2021) |
FY 2020 (Dec 31, 2020) |
FY 2019 (Dec 31, 2019) |
FY 2018 (Dec 31, 2018) |
FY 2017 (Dec 31, 2017) |
FY 2016 (Dec 31, 2016) |
FY 2015 (Dec 31, 2015) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $1.59B | $1.31B | $1.16B | $743.86M | $560.01M | $261.22M | $161.17M | $114.71M | $88.62M | $69.92M | $73.68M | $69.52M | $86.81M | $149.43M |
| Interest Expense | $221.35M | $160.17M | $109.34M | $54.13M | $51.55M | $50.73M | $36.90M | $27.70M | $20.21M | $18.33M | $24.05M | $23.87M | $31.12M | $43.98M |
| Net Interest Income | - | - | - | - | - | - | - | $87.01M | $68.42M | $51.59M | $49.62M | $45.65M | $55.69M | $105.45M |
| Net Interest Income After Provision | - | - | - | - | - | $32.35M | $53.38M | $33.14M | - | - | - | - | - | - |
| Non-Interest Income | - | - | - | - | $3.40M | $125.82M | $42.37M | $6.43M | $7.71M | $8.34M | $26.05M | $20.05M | $28.01M | $46.49M |
| Total Revenue | $498.82M | $401.43M | $354.81M | $438.74M | $260.60M | $158.17M | - | - | - | - | - | - | - | - |
| Revenue Growth % | 24.3% | 13.1% | -19.1% | 68.4% | 64.8% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% |
| Non-Interest Expense | $345.46M | $262.86M | $226.25M | $189.73M | $146.20M | $126.41M | $92.27M | $86.83M | $74.17M | $121.84M | $165.83M | $113.35M | $88.84M | $132.83M |
| Compensation & Benefits | $59.64M | $50.14M | $43.91M | $34.02M | $29.08M | $26.23M | $23.43M | $22.75M | $24.03M | $19.82M | $19.78M | $17.83M | $17.32M | $22.35M |
| Marketing Expense | $97.92M | $56.19M | $52.42M | $56.63M | $35.01M | $36.39M | $12.12M | $13.07M | $3.17M | $2.23M | $2.38M | $8.72M | $3.00M | $3.62M |
| Other Non-Interest Expense | $42.90M | $35.41M | $26.74M | $22.18M | $17.82M | - | - | - | $8.83M | $21.93M | $25.98M | $22.71M | $24.69M | $28.04M |
| Income Before Tax | $153.36M | $138.58M | $128.56M | $219.57M | $114.39M | $31.76M | $3.48M | - | - | - | - | - | - | - |
| Income Tax Expense | $36.39M | $28.47M | $26.60M | $41.78M | $20.47M | $5.55M | $-4.13M | $-6.38M | $-6.01M | $1.83M | $-34.63M | $-5.11M | $-15.61M | $-277.00K |
| Net Income | $118.37M | $111.30M | $102.84M | $177.90M | $94.12M | $26.44M | $7.86M | $-40.78M | $-6.33M | $1.71M | $7.18M | $-17.74M | $24.45M | $134.02M |
| Net Margin % | 23.7% | 27.7% | 29.0% | 40.5% | 36.1% | 16.7% | nan% | nan% | nan% | nan% | nan% | nan% | nan% | nan% |
| Basic EPS | 6.99 | 5.92 | 5.35 | 10.32 | 5.32 | 1.74 | 0.56 | -2.93 | -0.46 | 0.12 | 0.51 | -1.29 | 1.27 | 5.21 |
| Diluted EPS | 5.63 | 4.77 | 4.24 | 7.56 | 3.95 | 1.66 | 0.56 | -2.93 | -0.46 | 0.12 | 0.51 | -1.29 | 1.26 | 5.19 |
| Breakdown | FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2021 (Dec 31, 2021) |
FY 2020 (Dec 31, 2020) |
FY 2019 (Dec 31, 2019) |
FY 2018 (Dec 31, 2018) |
FY 2017 (Dec 31, 2017) |
FY 2016 (Dec 31, 2016) |
FY 2015 (Dec 31, 2015) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $375.42M | $339.34M | - | - | - | - | $42.49M | $76.05M | $51.03M | $39.92M | $50.87M | $67.92M | $144.91M |
| Total Investment Securities | - | - | - | - | - | - | - | - | - | - | - | - | $6.20M |
| Loans & Leases (Gross) | - | - | $470.29M | $667.56M | $998.21M | $541.34M | $393.90M | $290.70M | $180.10M | - | - | - | - |
| Allowance for Loan Losses | $4.90M | $1.76M | $57.20M | - | - | - | - | - | - | - | - | - | - |
| Loans & Leases (Net) | - | - | $1.41B | $920.24M | $725.96M | $424.54M | $305.08M | $239.43M | $141.95M | $105.90M | $97.20M | - | $64.72M |
| Premises & Equipment | $10.52M | $11.45M | $7.33M | $2.24M | $2.74M | $3.62M | $3.23M | $3.83M | $5.69M | $7.04M | $8.94M | $7.19M | $8.10M |
| Total Assets | $3.27B | $2.71B | $1.94B | $1.21B | $936.27M | $582.61M | $425.61M | $363.99M | $280.73M | $268.36M | $352.24M | $380.43M | $647.91M |
| Accounts Payable & Accrued | $72.09M | $61.63M | $42.29M | $41.73M | $41.62M | $105.77M | $115.74M | $86.77M | $51.72M | $39.97M | $48.62M | $38.60M | $46.13M |
| Total Liabilities | $2.69B | $2.17B | $1.52B | $991.35M | $846.88M | $604.74M | $461.74M | $358.21M | $269.78M | $260.91M | $351.08M | $361.24M | $571.58M |
| Common Stock | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Retained Earnings | $394.63M | $307.26M | $60.24M | $-117.67M | $-211.79M | $-238.78M | $-246.64M | $-205.86M | $-199.52M | $-201.24M | $-208.41M | $-190.67M | $-28.26M |
| Treasury Stock | - | - | - | - | - | - | - | - | - | - | - | - | $187.62M |
| AOCI | - | - | - | - | - | $3.56M | $-2.18M | - | $-600.00K | $-1.84M | $-737.00K | $-1.15M | $-2.26M |
| Total Stockholders Equity | $492.91M | $394.68M | $288.00M | $77.28M | $906.00K | $-21.79M | $-36.03M | $5.79M | $10.96M | $7.44M | $1.16M | $19.30M | $76.12M |
| Total Liabilities & Equity | $3.27B | $2.71B | $1.94B | $1.21B | $936.27M | $582.61M | $425.61M | $363.99M | $280.73M | $268.36M | $352.24M | $380.43M | $647.91M |
| Breakdown | TTM (Sep 30, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2021 (Dec 31, 2021) |
FY 2020 (Dec 31, 2020) |
FY 2019 (Dec 31, 2019) |
FY 2018 (Dec 31, 2018) |
FY 2017 (Dec 31, 2017) |
FY 2016 (Dec 31, 2016) |
FY 2015 (Dec 31, 2015) |
FY 2014 (Dec 31, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $118.37M | $111.30M | $102.84M | $177.90M | $94.12M | $26.44M | $7.86M | $-40.78M | $-6.33M | $1.71M | $7.18M | $-17.74M | $24.45M | $134.02M |
| Depreciation & Amortization | - | - | - | - | $7.95M | $7.69M | $987.00K | $1.02M | $2.20M | $2.00M | $4.93M | - | - | - |
| Deferred Taxes | - | - | $37.83M | - | - | - | - | - | - | - | - | - | $329.00K | $374.00K |
| Stock-based Compensation | $6.35M | $3.90M | $3.78M | $3.24M | $1.35M | $1.71M | $1.32M | $1.53M | - | - | - | - | $320.00K | $2.46M |
| Operating Cash Flow | $890.15M | $469.40M | $459.32M | $212.37M | $212.73M | $99.96M | $42.86M | $-26.47M | $39.02M | $864.00K | $-20.73M | $-26.86M | $32.95M | $83.77M |
| Capital Expenditures | - | - | - | - | $749.00K | $250.00K | $1.38M | $395.00K | $349.00K | $884.00K | $4.07M | $3.49M | $2.19M | $1.54M |
| Investing Cash Flow | $-1.84B | $-747.03M | $-672.20M | $-475.02M | $-292.57M | $-433.69M | $-134.52M | $-80.32M | $-75.84M | $14.54M | $29.20M | $49.72M | $199.27M | $433.51M |
| Long-term Debt Issued | - | - | - | - | $588.23M | $873.34M | $632.04M | $325.00M | $242.39M | $164.90M | $115.55M | $48.98M | $21.28M | $33.46M |
| Long-term Debt Repaid | $2.15B | $566.24M | $753.88M | $586.50M | $460.26M | $592.32M | $469.62M | $239.98M | $177.98M | $168.21M | $133.54M | $88.33M | $247.98M | $380.29M |
| Common Stock Repurchased | $182.63M | $52.67M | $17.67M | $25.22M | $3.35M | $2.52M | $723.00K | $389.00K | $949.00K | $259.00K | $257.00K | $1.40M | $196.00K | $3.39M |
| Financing Cash Flow | $1.04B | $393.61M | $163.34M | $510.33M | $162.38M | $368.72M | $161.75M | $84.64M | $63.46M | $-3.57M | $-18.40M | $-40.72M | $-309.40M | $-458.62M |
| Net Change in Cash | $86.64M | $115.98M | $-49.54M | $247.67M | $82.57M | $34.64M | $71.10M | $-21.98M | - | - | - | - | - | - |
SEC Filing Format - Data shown as it appears in the Q3 2025 (10-Q) filing
Period ended: Sep 30, 2025
Condensed Consolidated Statements of Operations
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Total Revenue | $494.68M | - | $1.23B | - |
| Cost of Revenue | $39.02M | - | $105.26M | - |
| Interest Expense | $75.46M | - | $176.68M | - |
| Other Income/Expense | $-616.00K | - | $20.00K | - |
| Income Before Tax | $32.48M | - | $113.49M | - |
| Income Tax Expense | $7.89M | - | $27.49M | - |
| Net Income | $24.98M | $24.13M | $87.07M | - |
| Basic EPS | 1.50 | - | 5.22 | - |
| Diluted EPS | 1.21 | - | 4.21 | - |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $425.02M | - |
| Property Plant & Equipment | $13.46M | $10.52M |
| Intangible Assets | $31.89M | - |
| Total Assets | $7.08B | $3.27B |
| Total Liabilities | $6.45B | $2.69B |
| Common Stock | - | - |
| Retained Earnings | $473.60M | $394.63M |
| Total Stockholders Equity | $589.34M | $492.91M |
| Total Liabilities & Equity | $7.08B | $3.27B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $24.98M | $24.13M | $87.07M | - |
| Stock-based Compensation | - | - | $2.74M | - |
| Operating Cash Flow | - | - | $371.71M | - |
| Acquisitions | - | - | $72.86M | - |
| Investing Cash Flow | - | - | $-1.03B | - |
| Debt Repayment | - | - | $1.12B | - |
| Stock Issued | - | - | $11.59M | - |
| Stock Repurchased | - | - | $53.19M | - |
| Financing Cash Flow | - | - | $681.92M | - |
| Net Change in Cash | - | - | $26.30M | - |
All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-K filings.
Annual data represents full fiscal year results. FY = Fiscal Year ending.