$3.81B
Net Interest Income
$872.00M
Net Income
39.5%
Efficiency Ratio
14.70%
Net Int. Margin
27.3%
ROE
| Breakdown | TTM (Sep 30, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|---|
| Interest Income | $5.36B | $4.99B | $4.56B | $4.43B | $4.36B |
| Net Interest Income | $4.10B | $3.81B | $3.54B | $3.54B | $3.43B |
| Provision for Credit Losses | $1.98B | $2.04B | $1.72B | $1.40B | $593.00M |
| Net Interest Income After Provision | $2.12B | $1.77B | $1.82B | $2.14B | $2.83B |
| Non-Interest Income | $686.00M | $695.00M | $735.00M | $629.00M | $531.00M |
| Other Non-Interest Income | $174.00M | $153.00M | $119.00M | $87.00M | $110.00M |
| Non-Interest Expense | $1.89B | $1.80B | $1.72B | $1.61B | $1.62B |
| Compensation & Benefits | $912.00M | $879.00M | $855.00M | $836.00M | $839.00M |
| Other Non-Interest Expense | $780.00M | $728.00M | $675.00M | $621.00M | $609.00M |
| Income Before Tax | $916.00M | $667.00M | $840.00M | $1.16B | $1.74B |
| Income Tax Expense | $211.00M | $158.00M | $199.00M | $285.00M | $427.00M |
| Net Income | $705.00M | $509.00M | $641.00M | $878.00M | $1.31B |
| Basic EPS | 5.92 | 4.26 | 5.33 | 7.07 | 9.90 |
| Diluted EPS | 5.91 | 4.24 | 5.32 | 7.06 | 9.87 |
| Breakdown | FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|
| Cash & Due from Banks | $458.00M | $1.01B | $498.00M | $541.00M |
| Trading Assets | $68.00M | - | - | - |
| Investment Securities - AFS | $1.54B | $1.65B | $1.73B | $1.91B |
| Total Investment Securities | $1.61B | $1.72B | $1.80B | $1.99B |
| Allowance for Loan Losses | $2.71B | $2.48B | $2.31B | $2.10B |
| Goodwill & Intangibles | $1.47B | $1.44B | $1.44B | $1.44B |
| Other Assets | $1.32B | $1.23B | $1.15B | $1.00B |
| Total Assets | $25.91B | $24.29B | $22.53B | $22.08B |
| Long-term Debt | $21.44B | $19.81B | $18.28B | $17.75B |
| Other Liabilities | $686.00M | $671.00M | $616.00M | $614.00M |
| Total Liabilities | $22.72B | $21.11B | $19.50B | $18.99B |
| Common Stock | - | - | - | $1.00M |
| Retained Earnings | $2.30B | $2.29B | $2.12B | $1.73B |
| Treasury Stock | $759.00M | $728.00M | $667.00M | $368.00M |
| AOCI | $-81.00M | $-87.00M | $-119.00M | $61.00M |
| Total Stockholders Equity | $3.19B | $3.19B | $3.03B | $3.09B |
| Total Liabilities & Equity | $25.91B | $24.29B | $22.53B | $22.08B |
| Breakdown | TTM (Sep 30, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|---|
| Net Income | $918.00M | $509.00M | $641.00M | $878.00M | $1.31B |
| Depreciation & Amortization | $496.00M | $277.00M | $257.00M | $262.00M | $264.00M |
| Deferred Taxes | $21.00M | $-42.00M | $-36.00M | $-62.00M | $78.00M |
| Stock-based Compensation | $66.00M | $30.00M | $36.00M | $31.00M | $23.00M |
| Operating Cash Flow | $5.12B | $2.70B | $2.52B | $2.39B | $2.25B |
| Purchases of Securities | $678.00M | $272.00M | $179.00M | $530.00M | $517.00M |
| Acquisitions | - | $64.00M | - | - | - |
| Investing Cash Flow | $-5.06B | $-3.27B | $-2.86B | $-2.12B | $-2.14B |
| Long-term Debt Repaid | $11.36B | $3.69B | $3.33B | $5.15B | $3.92B |
| Common Stock Repurchased | $126.00M | $35.00M | $65.00M | $303.00M | $368.00M |
| Dividends Paid | $878.00M | $498.00M | $487.00M | $480.00M | $1.27B |
| Financing Cash Flow | $660.00M | $161.00M | $932.00M | $-326.00M | $-1.81B |
| Net Change in Cash | $726.00M | $-406.00M | $589.00M | $-58.00M | $-1.71B |
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 | |
| Income Before Tax | $263.00M | $207.00M | $752.00M | $503.00M |
| Income Tax Expense | $64.00M | $50.00M | $173.00M | $120.00M |
| Net Income | $199.00M | $157.00M | $579.00M | $383.00M |
| Basic EPS | 1.67 | 1.32 | 4.86 | 3.20 |
| Diluted EPS | 1.67 | 1.31 | 4.84 | 3.18 |
| Basic Shares Outstanding | $118.76M | $119.67M | $119.04M | $119.76M |
| Diluted Shares Outstanding | $119.42M | $120.12M | $119.59M | $120.18M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $658.00M | $458.00M |
| Goodwill | $1.47B | $1.47B |
| Intangible Assets | $284.00M | $286.00M |
| Total Assets | $26.98B | $25.91B |
| Long-term Debt | $22.34B | $21.44B |
| Total Liabilities | $23.61B | $22.72B |
| Retained Earnings | $2.50B | $2.30B |
| Treasury Stock | $826.00M | $759.00M |
| Total Stockholders Equity | $3.38B | $3.19B |
| Total Liabilities & Equity | $26.98B | $25.91B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $199.00M | $157.00M | $579.00M | $383.00M |
| Depreciation & Amortization | - | - | $214.00M | $207.00M |
| Stock-based Compensation | - | - | $28.00M | $23.00M |
| Deferred Income Tax | - | - | $10.00M | $-43.00M |
| Change in Working Capital | - | - | $30.00M | $134.00M |
| Operating Cash Flow | - | - | $2.27B | $1.95B |
| Acquisitions | - | - | - | $64.00M |
| Investing Cash Flow | - | - | $-2.35B | $-2.24B |
| Debt Repayment | - | - | $5.49B | $2.76B |
| Stock Repurchased | - | - | $70.00M | $32.00M |
| Dividends Paid | - | - | $376.00M | $373.00M |
| Financing Cash Flow | - | - | $351.00M | $13.00M |
| Net Change in Cash | - | - | $264.00M | $-278.00M |
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.