$125.00M
Net Interest Income
$-68.00M
Net Income
-
Efficiency Ratio
0.21%
Net Int. Margin
-0.3%
ROE
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|---|---|
| Interest Income | $501.00M | $501.00M | $413.00M | $327.00M | $350.59M | $430.09M |
| Net Interest Income | $125.00M | $125.00M | $98.00M | $121.00M | $184.20M | $168.94M |
| Total Revenue | $6.70B | $6.70B | $5.10B | $3.80B | $5.84B | $12.91B |
| Revenue Growth % | 0.0% | 31.2% | 34.3% | -34.9% | -54.8% | nan% |
| Compensation & Benefits | $3.31B | $3.31B | $2.26B | $2.26B | $2.80B | $3.36B |
| Marketing Expense | $1.09B | $1.09B | $824.00M | $737.00M | $945.69M | $1.25B |
| Other Non-Interest Expense | $347.00M | $347.00M | $188.00M | $142.00M | $199.21M | $634.30M |
| Income Before Tax | $-214.00M | $-214.00M | $668.00M | $-403.00M | $741.91M | $6.18B |
| Income Tax Expense | $20.00M | $20.00M | $32.00M | $-13.00M | $41.98M | $112.74M |
| Net Income | $-68.00M | $-68.00M | $29.00M | $-16.00M | $46.42M | $308.21M |
| Net Margin % | -1.0% | -1.0% | 0.6% | -0.4% | 0.8% | 2.4% |
| Basic EPS | -0.02 | -0.05 | 0.21 | -0.12 | 0.39 | 2.36 |
| Diluted EPS | -0.03 | -0.05 | 0.21 | -0.15 | 0.28 | 2.32 |
| Breakdown | FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|---|
| Cash & Due from Banks | $2.70B | $1.27B | $1.11B | $722.29M | $2.13B |
| Goodwill & Intangibles | $10.61B | $1.14B | - | - | - |
| Premises & Equipment | $260.00M | $214.00M | $250.86M | $274.19M | $254.38M |
| Other Assets | $2.46B | $1.61B | $1.02B | $799.16M | $2.12B |
| Total Assets | $60.69B | $24.51B | $19.23B | $20.08B | $32.77B |
| Other Liabilities | $3.87B | $1.65B | - | $393.20M | $776.71M |
| Total Liabilities | $37.79B | $15.47B | $10.93B | $11.61B | $23.02B |
| Retained Earnings | $124.00M | $313.00M | $284.30M | $300.39M | $378.00M |
| AOCI | - | $-48.00K | $52.00K | $69.00K | $81.00K |
| Total Stockholders Equity | $22.90B | $9.04B | $8.30B | $8.47B | $9.76B |
| Total Liabilities & Equity | $60.69B | $24.51B | $19.23B | $20.08B | $32.77B |
| Breakdown | TTM (Dec 31, 2025) |
FY 2025 (Dec 31, 2025) |
FY 2024 (Dec 31, 2024) |
FY 2023 (Dec 31, 2023) |
FY 2022 (Dec 31, 2022) |
FY 2021 (Dec 31, 2021) |
|---|---|---|---|---|---|---|
| Net Income | $-78.38M | $-68.00M | $29.00M | $-16.00M | $46.42M | $308.21M |
| Depreciation & Amortization | $130.91M | $104.00M | $89.00M | $88.00M | $94.02M | $74.71M |
| Deferred Taxes | - | $12.00M | $29.00M | $-18.00M | - | - |
| Stock-based Compensation | $473.09M | $343.00M | $145.00M | $180.00M | $216.00M | $163.71M |
| Net Change in Loans HFS | $200.09B | $129.07B | $100.48B | $78.28B | $134.33B | $352.97B |
| Other Operating Adjustments | - | $-46.00M | - | - | - | - |
| Operating Cash Flow | $-7.37B | $-3.93B | $-2.63B | $111.00M | $10.82B | $7.74B |
| Purchases of Securities | - | - | - | $5.47M | - | - |
| Sales of Securities | - | - | - | $6.48M | - | - |
| Capital Expenditures | $134.51M | $91.00M | $68.00M | $60.00M | $93.12M | $118.29M |
| Acquisitions | - | $2.32B | - | - | - | $1.23B |
| Investing Cash Flow | $-2.51B | $-2.53B | $-496.00M | $861.00M | $578.74M | $-664.85M |
| Common Stock Repurchased | - | - | - | - | $177.70M | $231.58M |
| Financing Cash Flow | $15.49B | $8.10B | $3.28B | $-624.00M | $-12.82B | $-6.92B |
| Net Change in Cash | $5.61B | $1.65B | $152.00M | $348.00M | $-1.42B | $157.49M |
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 | |
| Operating Expenses | $1.79B | - | $4.39B | - |
| Income Before Tax | $-184.20M | - | $-383.04M | - |
| Income Tax Expense | $-60.34M | - | $-80.83M | - |
| Net Income | $-123.85M | $177.93M | $-136.02M | - |
| Basic EPS | -0.06 | - | -0.17 | - |
| Diluted EPS | -0.06 | - | -0.17 | - |
| Basic Shares Outstanding | $2.11B | - | $815.63M | - |
| Diluted Shares Outstanding | $2.11B | - | $815.63M | - |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2025 | Dec 31, 2024 |
|---|---|---|
| Cash & Cash Equivalents | $5.84B | $1.27B |
| Property Plant & Equipment | $201.28M | $213.85M |
| Total Assets | $33.58B | $24.51B |
| Deferred Tax Liabilities | $551.87M | $17.45M |
| Total Liabilities | $24.72B | $15.47B |
| Retained Earnings | $55.20M | $312.83M |
| Total Stockholders Equity | $8.85B | $9.04B |
| Total Liabilities & Equity | $33.58B | $24.51B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2025 | Sep 30, 2025 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $-123.85M | $177.93M | $-136.02M | - |
| Depreciation & Amortization | $78.34M | - | $132.78M | - |
| Stock-based Compensation | - | - | $161.63M | - |
| Change in Payables | - | - | $43.72M | - |
| Operating Cash Flow | - | - | $-2.70B | - |
| Capital Expenditure | - | - | $51.01M | - |
| Acquisitions | - | - | $78.54M | - |
| Investing Cash Flow | - | - | $-57.64M | - |
| Stock Issued | - | - | $38.58M | - |
| Financing Cash Flow | - | - | $7.32B | - |
| Net Change in Cash | - | - | $4.57B | - |
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.