Revenue: As of FY2025 Q3, the actual value is USD 529.2 M.

EPS: As of FY2025 Q3, the actual value is USD 2.18.

EBIT: As of FY2025 Q3, the actual value is USD -133.99 M.

Segment Revenue

• Commercial Loans: $11,999,025 as of September 30, 2025, up from $11,145,591 as of December 31, 2024.
• Mortgage Finance Loans: $6,057,804 as of September 30, 2025, up from $5,215,574 as of December 31, 2024.
• Commercial Real Estate Loans: $5,696,720 as of September 30, 2025, up from $5,616,282 as of December 31, 2024.
• Consumer Loans: $540,126 as of September 30, 2025, down from $565,376 as of December 31, 2024.

Operational Metrics

• Net Interest Income: $271,771 for the three months ended September 30, 2025, compared to $240,102 for the same period in 2024.
• Provision for Credit Losses: $12,000 for the three months ended September 30, 2025, compared to $10,000 for the same period in 2024.
• Non-interest Income: $68,583 for the three months ended September 30, 2025, compared to -$114,771 for the same period in 2024.
• Non-interest Expense: $190,575 for the three months ended September 30, 2025, compared to $195,324 for the same period in 2024.

Cash Flow

• Net Cash Provided by Operating Activities: $229,660 for the nine months ended September 30, 2025.
• Net Cash Used in Investing Activities: -$1,890,276 for the nine months ended September 30, 2025.
• Net Cash Provided by Financing Activities: $1,536,633 for the nine months ended September 30, 2025.

Unique Metrics

• Net Charge-offs: $36,502 for the nine months ended September 30, 2025, compared to $28,802 for the same period in 2024.
• Allowance for Credit Losses on Loans: $274,026 as of September 30, 2025, compared to $271,709 as of December 31, 2024.

Future Outlook and Strategy

• Core Business Focus: The company aims to maintain a strong liquidity position and manage interest rate risk effectively. It plans to continue focusing on customer deposits as a primary funding source, supplemented by short-term borrowings and long-term debt.
• Non-Core Business: The company has authorized a new share repurchase program of up to $200 million, set to expire on January 31, 2026, to manage its capital structure effectively.