EPS: As of FY2025 Q3, the actual value is USD 0.73.

EBIT: As of FY2025 Q3, the actual value is USD 79.76 M.

Commercial Loans

• Multi-family: Total loans were $4,780,029, with $11,601 in non-accrual status, representing 0.2% of the total loans.
• Commercial Real Estate: Total loans amounted to $3,592,395, with $46,720 in non-accrual status, representing 1.3% of the total loans.
• Commercial & Industrial: Total loans were $2,292,082, with $33 in non-accrual status, representing a negligible percentage of the total loans.
• Construction: Total loans were $1,035,701, with $3,400 in non-accrual status, representing 0.3% of the total loans.
• Land - Acquisition & Development: Total loans were $130,035, with no loans in non-accrual status.

Consumer Loans

• Single-family Residential: Total loans were $8,108,147, with $19,246 in non-accrual status, representing 0.2% of the total loans.
• Construction - Custom: Total loans were $95,372, with $847 in non-accrual status, representing 0.9% of the total loans.
• Land - Consumer Lot Loans: Total loans were $95,935, with $8 in non-accrual status, representing a negligible percentage of the total loans.
• HELOC: Total loans were $276,278, with $662 in non-accrual status, representing 0.2% of the total loans.
• Consumer: Total loans were $69,959, with $179 in non-accrual status, representing 0.3% of the total loans.

Allowance for Credit Losses

• Commercial Loans: The total allowance for credit losses was $149,374, with net charge-offs of $10,730 for the nine months ended June 30, 2025.
• Consumer Loans: The total allowance for credit losses was $49,394, with net charge-offs of $1,295 for the nine months ended June 30, 2025.

Cash Flow

• Operating Activities: Net cash provided by operating activities was $179,572 for the nine months ended June 30, 2025.
• Investing Activities: Net cash used in investing activities was -$259,655 for the nine months ended June 30, 2025.
• Financing Activities: Net cash used in financing activities was -$1,491,767 for the nine months ended June 30, 2025.

Outlook

The company continues to focus on maintaining strong asset quality and managing credit risk effectively. The provision for credit losses reflects mixed credit metrics, including increasing trends in negative migration of criticized and nonperforming loans, and net charge-offs taken during the quarter, partially offset by decreased loan balances.