(16) NET INCOME PER COMMON SHARE

Basic and diluted net income per common share are calculated as follows:

 

 

 

 

 

 

 

 

 

 

 

 

Year ended December 31,

 

 

 

2025

 

 

2024

 

 

2023

 

 

 

(Dollars in thousands, except per share data)

 

(Numerator)

 

 

 

 

 

 

 

 

 

Income available to common stockholders

 

$

240,610

 

 

$

216,354

 

 

$

212,465

 

(Denominator)

 

 

 

 

 

 

 

 

 

Weighted-average shares outstanding for basic earnings per
   common share

 

 

33,306,040

 

 

 

33,055,152

 

 

 

32,919,348

 

Dilutive effect of stock compensation

 

 

531,293

 

 

 

561,863

 

 

 

575,139

 

Weighted-average shares outstanding for diluted earnings per
   common share

 

 

33,837,333

 

 

 

33,617,015

 

 

 

33,494,487

 

 

 

 

 

 

 

 

 

 

 

Basic earnings per share

 

$

7.22

 

 

$

6.55

 

 

$

6.45

 

Diluted earnings per share

 

$

7.11

 

 

$

6.44

 

 

$

6.34

 

The following table shows the number of options and RSU's that were excluded from the computation of diluted net income per common share for each period because they were anti-dilutive for the period:

 

 

 

Shares

 

December 31, 2025

 

 

42,183

 

December 31, 2024

 

 

216,272

 

December 31, 2023

 

 

280,150

 

Historical Timeline

Fiscal YearFiled
2025Feb 26, 2026Showing above
2024Feb 28, 2025
2023Feb 27, 2024
2022Feb 24, 2023

About Earnings Per Share Disclosures

The earnings per share disclosure breaks down the calculation from net income to both basic and diluted EPS, revealing the full impact of a company's capital structure on per-share economics. The reconciliation between basic and diluted share counts exposes how many stock options, RSUs, convertible securities, and warrants are potentially dilutive to existing shareholders.

Key signals: a widening gap between basic and diluted shares indicates growing dilution from equity compensation or convertible instruments. Anti-dilutive securities excluded from the diluted calculation deserve attention — they represent latent dilution that will materialize if the stock price rises. Watch for the effect of share buybacks on per-share metrics: EPS growth driven primarily by repurchases rather than income growth signals weakening fundamentals. Compare year-over-year changes in the diluted share count against equity compensation expense to assess whether management is effectively managing dilution.