NOTE 13:

Earnings Per Common Share

 

The computations of basic and diluted earnings per common share are below.

 

  

Years Ended

 
  

December 31,

 
  

2025

  

2024

 
  

(Dollars in Thousands, Except for Per Share Data)

 

Basic weighted average shares outstanding

  7,801,902   7,838,822 

Dilutive effect of stock compensation

  22,007   14,970 

Diluted weighted average shares outstanding

  7,823,909   7,853,792 
         

Net income available to common shareholders

 $14,835  $9,778 
         

Basic earnings per common share

 $1.90  $1.25 
         

Diluted earnings per common share

 $1.90  $1.24 
         

Restricted stock units excluded from the diluted average outstanding share calculation because their effect would be anti-dilutive

  -   8,344 

  

Historical Timeline

Fiscal YearFiled
2025Mar 9, 2026Showing above
2024Mar 14, 2025
2023Mar 6, 2024
2022Mar 8, 2023
2021Mar 9, 2022

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.