$783.12M
Net Interest Income
$432.91M
Net Income
56.5%
Efficiency Ratio
3.43%
Net Int. Margin
26.3%
ROE
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Jun 30, 2025) |
FY 2024 (Jun 30, 2024) |
FY 2023 (Jun 30, 2023) |
FY 2022 (Jun 30, 2022) |
FY 2021 (Jun 30, 2021) |
|---|---|---|---|---|---|---|
| Interest Income | $1.85B | $1.82B | $1.66B | $1.16B | $659.73M | $617.86M |
| Interest Expense | $676.33M | $687.69M | $694.18M | $374.02M | $52.57M | $79.12M |
| Net Interest Income | $1.18B | $1.13B | $961.43M | $783.12M | $607.16M | $538.74M |
| Provision for Credit Losses | - | - | - | $24.75M | $18.50M | $23.75M |
| Net Interest Income After Provision | $1.11B | $1.07B | $928.93M | $758.37M | $588.66M | $514.99M |
| Non-Interest Income | $160.38M | $131.07M | $222.66M | $120.49M | $113.36M | $105.26M |
| Non-Interest Expense | $637.73M | $589.70M | $516.11M | $447.12M | $362.06M | $314.51M |
| Compensation & Benefits | $308.37M | $297.95M | $250.87M | $204.27M | $167.39M | $152.58M |
| Technology & Equipment | $86.02M | $80.43M | $69.37M | $60.56M | $50.16M | $40.72M |
| Marketing Expense | $47.37M | $47.76M | $42.80M | $37.15M | $13.58M | $14.21M |
| Professional Fees | $41.23M | $37.57M | $36.53M | $29.27M | $22.48M | $22.24M |
| Income Before Tax | $629.27M | $613.39M | $635.48M | $431.74M | $339.96M | $305.74M |
| Income Tax Expense | $172.65M | $180.49M | $185.47M | $124.58M | $99.24M | $90.04M |
| Net Income | $456.63M | $432.91M | $450.01M | $307.17M | $240.72M | $215.71M |
| Basic EPS | 8.06 | 7.61 | 7.82 | 5.15 | 4.04 | 3.64 |
| Diluted EPS | 7.85 | 7.43 | 7.66 | 5.07 | 3.97 | 3.56 |
| Breakdown | FY 2025 (Jun 30, 2025) |
FY 2024 (Jun 30, 2024) |
FY 2023 (Jun 30, 2023) |
FY 2022 (Jun 30, 2022) |
FY 2021 (Jun 30, 2021) |
|---|---|---|---|---|---|
| Cash & Due from Banks | $1.93B | $1.98B | $2.23B | $1.20B | $715.62M |
| Trading Assets | $649.00K | $353.00K | $758.00K | $1.76M | $1.98M |
| Investment Securities - AFS | $66.01M | $141.61M | $232.35M | $262.52M | $187.34M |
| Allowance for Loan Losses | - | - | - | $148.62M | $132.96M |
| Loans & Leases (Net) | $21.05B | $19.23B | $16.46B | $14.09B | - |
| Other Assets | $891.45M | $779.84M | $545.05M | $496.04M | $432.03M |
| Total Assets | $24.78B | $22.86B | $20.35B | $17.40B | $14.27B |
| Total Deposits | $20.83B | $19.36B | $17.12B | $13.95B | $10.82B |
| Long-term Debt | $312.67M | $325.68M | $361.78M | $445.24M | $221.36M |
| Total Liabilities | $22.10B | $20.56B | $18.43B | $15.76B | $12.86B |
| Common Stock | $711.00K | $702.00K | $695.00K | $689.00K | $681.00K |
| Retained Earnings | $2.62B | $2.19B | $1.74B | $1.43B | $1.19B |
| Treasury Stock | - | - | - | - | $222.53M |
| AOCI | $348.00K | $-2.47M | $-6.61M | $-2.93M | $2.51M |
| Total Stockholders Equity | $2.68B | $2.29B | $1.92B | $1.64B | $1.40B |
| Total Liabilities & Equity | $24.78B | $22.86B | $20.35B | $17.40B | $14.27B |
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Jun 30, 2025) |
FY 2024 (Jun 30, 2024) |
FY 2023 (Jun 30, 2023) |
FY 2022 (Jun 30, 2022) |
FY 2021 (Jun 30, 2021) |
|---|---|---|---|---|---|---|
| Net Income | $568.98M | $432.91M | $450.01M | $307.17M | $240.72M | $215.71M |
| Depreciation & Amortization | $68.91M | $29.02M | $27.09M | $23.39M | $24.60M | $24.12M |
| Deferred Taxes | $65.84M | $-27.96M | $33.13M | $-19.59M | $-9.40M | $-8.83M |
| Stock-based Compensation | $74.14M | $41.97M | $35.19M | $26.10M | $21.24M | $20.68M |
| Operating Cash Flow | $831.30M | $490.33M | $305.48M | $187.96M | $210.28M | $412.58M |
| Purchases of Securities | $781.14M | $22.38M | $9.61M | $32.67M | $143.73M | $122.34M |
| Sales of Securities | - | - | - | $57.99M | $131.87M | $74.67M |
| Net Change in Loans | $5.12B | $2.18B | $1.84B | $2.40B | $2.77B | - |
| Acquisitions | - | - | - | $5.53M | $54.60M | - |
| Investing Cash Flow | $-6.29B | $-1.84B | $-2.59B | $-2.39B | $-2.78B | $-866.77M |
| Net Change in Deposits | $5.31B | $1.47B | $2.24B | $3.18B | $3.13B | $-520.90M |
| Common Stock Repurchased | - | $58.20M | $96.29M | $48.96M | - | $16.76M |
| Financing Cash Flow | $5.32B | $1.34B | $2.09B | $3.01B | $3.10B | $-458.56M |
| Net Change in Cash | $-136.02M | $-9.42M | $-196.31M | $807.39M | $536.92M | $-912.74M |
SEC Filing Format - Data shown as it appears in the Q2 2026 (10-Q) filing
Period ended: Dec 31, 2025
Condensed Consolidated Statements of Operations
| Description | Dec 31, 2025 | Dec 31, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Interest Expense | $182.14M | $175.97M | $356.82M | $368.18M |
| Income Before Tax | $175.51M | $150.33M | $325.40M | $309.52M |
| Income Tax Expense | $47.12M | $45.64M | $84.65M | $92.50M |
| Net Income | $128.40M | $104.69M | $240.75M | $217.03M |
| Basic EPS | 2.27 | 1.83 | 4.25 | 3.81 |
| Diluted EPS | 2.22 | 1.80 | 4.17 | 3.72 |
| Basic Shares Outstanding | $56.66M | $57.09M | $56.59M | $57.01M |
| Diluted Shares Outstanding | $56.66M | $57.09M | $56.59M | $57.01M |
Condensed Consolidated Balance Sheets
| Description | Dec 31, 2025 | Jun 30, 2025 |
|---|---|---|
| Cash & Cash Equivalents | $1.01B | $1.93B |
| Goodwill | $144.33M | $97.67M |
| Total Assets | $28.20B | $24.78B |
| Total Liabilities | $25.27B | $22.10B |
| Common Stock | $714.00K | $711.00K |
| Retained Earnings | $2.86B | $2.62B |
| Total Stockholders Equity | $2.93B | $2.68B |
| Total Liabilities & Equity | $28.20B | $24.78B |
Condensed Consolidated Statements of Cash Flows
| Description | Dec 31, 2025 | Dec 31, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $128.40M | $104.69M | $240.75M | $217.03M |
| Depreciation & Amortization | $23.20M | $7.03M | $31.55M | $14.48M |
| Stock-based Compensation | - | - | $21.34M | $19.86M |
| Deferred Income Tax | - | - | $54.88M | $-15.42M |
| Operating Cash Flow | - | - | $222.54M | $233.30M |
| Capital Expenditure | - | - | $27.84M | $23.87M |
| Acquisitions | - | - | $474.45M | - |
| Investing Cash Flow | - | - | $-3.42B | $-314.76M |
| Financing Cash Flow | - | - | $2.36B | $569.12M |
| Net Change in Cash | - | - | $-835.84M | $487.65M |
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.