Revenue: As of FY2025 Q1, the actual value is USD 124.79 M.

EPS: As of FY2025 Q1, the actual value is USD 0.49.

EBIT: As of FY2025 Q1, the actual value is USD 27.4 M.

Segment Revenue

• Interest Income: $124,789 thousand for the three months ended March 31, 2025, compared to $129,607 thousand for the same period in 2024.
• Noninterest Income: $4,451 thousand for the three months ended March 31, 2025, compared to $3,848 thousand for the same period in 2024.

Operational Metrics

• Net Income: $20,242 thousand for the three months ended March 31, 2025, compared to $17,205 thousand for the same period in 2024.
• Net Interest Income: $65,756 thousand for the three months ended March 31, 2025, compared to $60,300 thousand for the same period in 2024.
• Provision for Credit Losses: $3,500 thousand for the three months ended March 31, 2025, compared to $4,000 thousand for the same period in 2024.
• Noninterest Expenses: $39,305 thousand for the three months ended March 31, 2025, compared to $37,065 thousand for the same period in 2024.

Cash Flow

• Net Cash Provided by Operating Activities: $14,891 thousand for the three months ended March 31, 2025, compared to $20,522 thousand for the same period in 2024.
• Net Cash Provided by Investing Activities: $59,175 thousand for the three months ended March 31, 2025, compared to $33,073 thousand for the same period in 2024.
• Net Cash Used in Financing Activities: -$137,951 thousand for the three months ended March 31, 2025, compared to -$18,726 thousand for the same period in 2024.

Unique Metrics

• Net Charge-offs: $3,400 thousand for the three months ended March 31, 2025, compared to $3,162 thousand for the same period in 2024.
• Allowance for Credit Losses: $82,403 thousand as of March 31, 2025, compared to $82,685 thousand as of December 31, 2024.

Future Outlook and Strategy

• Core Business Focus: The company plans to continue its merger with The First of Long Island Corporation, which is expected to enhance its market presence and operational scale.
• Non-Core Business: The company is not currently focusing on non-core business divestitures or exploratory efforts.

Priority

• The company emphasizes maintaining a strong allowance for credit losses and managing asset quality through diversification and rigorous review processes.