$267.88M
Net Interest Income
$15.49M
Net Income
-
Efficiency Ratio
0.92%
Net Int. Margin
5.7%
ROE
| Breakdown | Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
Q4 2024 (Dec 31, 2024) |
Q3 2024 (Sep 30, 2024) |
Q2 2024 (Jun 30, 2024) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
Q2 2022 (Jun 30, 2022) |
Q1 2022 (Mar 31, 2022) |
Q4 2021 (Dec 31, 2021) |
Q3 2021 (Sep 30, 2021) |
Q2 2021 (Jun 30, 2021) |
Q1 2021 (Mar 31, 2021) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $482.13M | $481.80M | $480.60M | $473.24M | $489.90M | $478.09M | $4.27M | $2.46M | $4.44M | $3.20M | $2.09M | $5.89M | $12.02M | $15.85M | $13.87M | - | $15.86M | $13.15M | - |
| Interest Expense | $404.03M | $422.34M | $410.17M | $404.02M | $426.84M | $412.62M | $28.54M | $27.47M | $27.96M | $31.73M | $31.56M | $40.84M | $41.24M | $36.83M | $32.83M | - | $37.69M | $33.63M | - |
| Net Interest Income | $78.10M | $59.46M | $70.44M | $69.22M | $63.06M | $65.47M | $-24.27M | $-25.01M | $-23.52M | $-28.53M | $-29.46M | $-34.95M | $-29.21M | $-20.98M | $-18.96M | - | $-21.83M | $-20.48M | - |
| Total Revenue | $80.85M | $177.38M | $165.69M | $-105.62M | $290.07M | $79.04M | $74.68M | $275.73M | $-70.44M | $-111.90M | $140.85M | $93.59M | $71.10M | $141.12M | $267.43M | - | $456.50M | $389.12M | - |
| Revenue Growth % (YoY) | -72.1% | 124.4% | 121.9% | -138.3% | 511.8% | 170.6% | -47.0% | 194.6% | -199.1% | -179.3% | -47.3% | nan% | -84.4% | -63.7% | nan% | - | nan% | nan% | nan% |
| Compensation & Benefits | $37.24M | $36.97M | $33.93M | $33.20M | $31.08M | $35.05M | $39.02M | $37.85M | $48.56M | $51.10M | $40.81M | $113.57M | $146.38M | $194.29M | $209.08M | - | $262.00M | $274.73M | - |
| Occupancy Expense | - | - | - | - | - | - | - | - | $2.10M | $2.55M | $1.91M | $6.29M | $7.00M | $7.26M | $7.84M | - | $8.28M | $6.72M | - |
| Marketing Expense | $11.23M | $12.27M | $10.73M | $9.89M | $10.32M | $10.71M | $8.51M | $9.73M | - | - | - | - | - | - | - | - | - | - | - |
| Income Before Tax | $-28.55M | $81.95M | $81.69M | $-145.81M | $208.17M | $-3.77M | $-15.78M | $171.55M | $-172.57M | $-223.84M | $58.01M | $-181.28M | $-304.67M | $-168.76M | $-77.33M | - | $54.55M | $-13.74M | - |
| Income Tax Expense | $130.00K | $2.13M | $1.94M | $-3.18M | $4.42M | $1.15M | - | $193.00K | $-103.00K | $-3.21M | $2.53M | $725.00K | $-2.97M | $-940.00K | $-13.34M | - | $4.44M | $1.09M | - |
| Net Income | $-9.52M | $34.92M | $30.21M | $-59.09M | $84.20M | $-2.09M | $-7.54M | $61.36M | $-65.36M | $-79.14M | $3.05M | $-57.02M | $-84.49M | $-40.68M | $-8.49M | - | $21.38M | $2.27M | $810.71K |
| Net Margin % | -11.8% | 19.7% | 18.2% | 55.9% | 29.0% | -2.6% | -10.1% | 22.3% | 92.8% | 70.7% | 2.2% | -60.9% | -118.8% | -28.8% | -3.2% | - | 4.7% | 0.6% | nan% |
| Basic EPS | -1.05 | 3.16 | 2.97 | -6.02 | 8.48 | -0.21 | -0.08 | 0.79 | -0.75 | -0.91 | 0.05 | -0.90 | -1.35 | -0.65 | -0.14 | - | 0.36 | 0.04 | nan |
| Diluted EPS | -1.27 | 2.13 | 2.43 | -5.29 | 7.50 | -0.30 | -0.08 | 0.79 | -0.75 | -0.91 | 0.07 | -0.78 | -1.35 | -0.70 | -0.30 | - | 0.22 | -0.05 | nan |
| Breakdown | Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
Q4 2024 (Dec 31, 2024) |
Q3 2024 (Sep 30, 2024) |
Q2 2024 (Jun 30, 2024) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
Q2 2022 (Jun 30, 2022) |
Q1 2022 (Mar 31, 2022) |
Q4 2021 (Dec 31, 2021) |
Q3 2021 (Sep 30, 2021) |
Q2 2021 (Jun 30, 2021) |
Q1 2021 (Mar 31, 2021) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $109.79M | $46.48M | $52.02M | $47.38M | $44.26M | $46.51M | $48.23M | $46.48M | $66.34M | $55.59M | $69.31M | $97.36M | $169.07M | $219.03M | $226.85M | $141.24M | $191.74M | $157.34M | - |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | $1.30B | $1.30B | - |
| Premises & Equipment | - | - | - | - | - | - | - | - | $8.05M | $8.20M | $10.61M | $19.02M | $19.83M | $29.80M | $29.93M | $29.26M | $29.50M | $28.67M | - |
| Other Assets | $205.91M | $329.68M | $154.28M | $157.26M | $178.49M | $196.13M | $194.18M | $221.91M | $231.68M | $256.29M | $251.93M | $311.49M | $334.58M | $371.90M | $372.26M | $358.38M | $315.10M | $300.25M | - |
| Total Assets | $30.66B | $30.15B | $29.69B | $29.16B | $28.95B | $27.97B | $27.68B | $27.11B | $26.40B | $26.55B | $26.83B | $20.87B | $21.19B | $21.74B | $22.08B | $21.79B | $22.67B | $22.23B | $293.88M |
| Total Liabilities | $30.29B | $29.67B | $29.29B | $28.84B | $28.49B | $27.72B | $27.43B | $26.84B | $26.29B | $26.27B | $26.34B | $20.47B | $20.61B | $20.87B | $21.05B | $20.71B | $20.24B | $19.85B | $45.12M |
| Common Stock | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | $719.00 |
| Retained Earnings | $-643.28M | $-633.76M | $-668.69M | $-698.89M | $-639.81M | $-724.01M | $-721.92M | $-714.38M | $-775.74M | $-710.38M | $-631.24M | $-634.29M | $-577.27M | $-492.79M | $-452.11M | $-443.61M | $-48.16M | $-69.55M | $-38.75M |
| AOCI | $-283.00K | $-283.00K | $-285.00K | $-276.00K | $-273.00K | $-296.00K | $-266.00K | $-249.00K | $-221.00K | $-254.00K | $-209.00K | $-273.00K | $-367.00K | $-262.00K | $-99.00K | $-110.00K | $-92.00K | $-27.00K | - |
| Total Stockholders Equity | $365.83M | $473.43M | $394.89M | $315.66M | $456.46M | $251.30M | $255.72M | $272.41M | $103.61M | $273.74M | $490.43M | $404.84M | $575.09M | $863.20M | $1.03B | $1.08B | $2.43B | $2.38B | $-38.75M |
| Total Liabilities & Equity | $30.66B | $30.15B | $29.69B | $29.16B | $28.95B | $27.97B | $27.68B | $27.11B | $26.40B | $26.55B | $26.83B | $20.87B | $21.19B | $21.74B | $22.08B | $21.79B | $22.67B | $22.23B | $293.88M |
| Breakdown | Q3 2025 (Sep 30, 2025) |
Q2 2025 (Jun 30, 2025) |
Q1 2025 (Mar 31, 2025) |
Q4 2024 (Dec 31, 2024) |
Q3 2024 (Sep 30, 2024) |
Q2 2024 (Jun 30, 2024) |
Q1 2024 (Mar 31, 2024) |
Q4 2023 (Dec 31, 2023) |
Q3 2023 (Sep 30, 2023) |
Q2 2023 (Jun 30, 2023) |
Q1 2023 (Mar 31, 2023) |
Q4 2022 (Dec 31, 2022) |
Q3 2022 (Sep 30, 2022) |
Q2 2022 (Jun 30, 2022) |
Q1 2022 (Mar 31, 2022) |
Q4 2021 (Dec 31, 2021) |
Q3 2021 (Sep 30, 2021) |
Q2 2021 (Jun 30, 2021) |
Q1 2021 (Mar 31, 2021) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $-9.52M | $65.13M | $30.21M | $-59.09M | $74.58M | $-2.09M | $-7.54M | $61.36M | $-141.45M | $-76.09M | $3.05M | $-57.02M | $-84.49M | $-49.17M | $-8.49M | - | $21.38M | $2.27M | $810.71K |
| Depreciation & Amortization | $9.64M | $19.31M | $9.66M | $9.74M | $29.21M | $9.75M | $9.68M | $15.11M | - | - | - | - | - | - | - | - | - | - | - |
| Stock-based Compensation | - | - | - | - | - | - | - | - | - | - | - | - | - | $7.78M | $13.10M | - | - | - | - |
| Operating Cash Flow | $-338.30M | $-188.56M | $-92.08M | $-106.20M | $-317.61M | $-236.24M | $-132.24M | $-61.34M | $-10.23M | $115.68M | $221.82M | $346.80M | $1.06B | $754.66M | $323.74M | - | $-72.61M | $-9.65M | $-367.32K |
| Sales of Securities | - | - | - | - | - | - | - | - | - | - | - | $10.81M | $2.25M | $912.00K | $519.00K | - | $3.24M | $1.89M | - |
| Capital Expenditures | - | - | - | - | - | - | $461.00K | - | - | - | $1.92M | $2.04M | $9.20M | $7.42M | $4.18M | - | $8.64M | $4.92M | - |
| Acquisitions | - | - | - | - | - | - | - | - | $140.85M | $140.85M | $140.85M | - | - | - | - | - | $22.84M | $20.00M | - |
| Investing Cash Flow | $447.10M | $183.47M | $45.48M | $-160.80M | $145.60M | $200.26M | $49.47M | $18.81M | $139.33M | $-46.32M | $-226.76M | $-162.96M | $-1.66B | $-1.23B | $-600.11M | - | $-710.07M | $-337.88M | - |
| Financing Cash Flow | $-8.38M | $-60.23M | $-3.50M | $348.66M | $167.55M | $57.84M | $101.56M | $-15.26M | $-123.97M | $1.09M | $59.19M | $-285.72M | $510.94M | $581.61M | $355.54M | - | $672.84M | $232.44M | - |
| Net Change in Cash | $100.42M | $-65.32M | $-50.12M | $81.61M | $-4.44M | $21.81M | $18.78M | $-57.81M | $5.18M | $70.48M | $54.32M | $-101.78M | $-84.42M | $110.19M | $79.19M | - | $-109.86M | $-115.10M | - |
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 | $80.85M | $290.07M | $423.92M | $443.79M |
| Operating Expenses | $104.59M | $80.31M | $280.02M | $256.67M |
| Interest Expense | $14.49M | $9.22M | $488.63M | $274.89M |
| Other Income/Expense | $-4.81M | $-1.59M | $-8.80M | $2.10M |
| Income Before Tax | $-28.55M | $208.17M | $135.09M | $188.62M |
| Income Tax Expense | $130.00K | $4.42M | $4.21M | $5.58M |
| Net Income | $-9.52M | $84.20M | $55.62M | $74.58M |
| Basic EPS | -1.05 | 8.48 | 5.51 | 7.59 |
| Diluted EPS | -1.27 | 7.50 | 4.08 | 6.47 |
| Basic Shares Outstanding | $9.07M | $9.92M | $10.09M | $9.82M |
| Diluted Shares Outstanding | $19.24M | $23.16M | $28.49M | $23.06M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $109.79M | $47.38M |
| Intangible Assets | $188.91M | $216.34M |
| Total Assets | $30.66B | $29.16B |
| Total Liabilities | $30.29B | $28.84B |
| Retained Earnings | $-643.28M | $-698.89M |
| Total Stockholders Equity | $365.83M | $315.66M |
| Total Liabilities & Equity | $30.66B | $29.16B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $-9.52M | $84.20M | $55.62M | $74.58M |
| Depreciation & Amortization | $9.64M | $9.78M | $28.95M | $29.21M |
| Operating Cash Flow | - | - | $-338.30M | $-317.61M |
| Investing Cash Flow | - | - | $447.10M | $275.60M |
| Financing Cash Flow | - | - | $-8.38M | $37.55M |
| Net Change in Cash | - | - | $100.42M | $-4.44M |
All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-Q filings.
Quarterly data represents single quarter results (Q1-Q4). Some items may show year-to-date values if quarterly breakdown is unavailable.