Note 16 - Earnings per Common Share

 

The two-class method is used for computing basic and diluted earnings per share. Under the two-class method, EPS is determined for each class of common stock and participating security according to dividends declared and participating rights in undistributed earnings. The Company has issued restricted shares under share-based compensation plans which qualify as participating securities.

 

The following table presents a reconciliation of the components used to compute basic and diluted earnings per share for the periods shown.

 

  

For the Year Ended December 31,

 

(dollars in thousands, except share data)

 2025  2024 

Net loss:

        

Net loss available to common shareholders

 $(4,191) $(6,613)

Dividends and undistributed earnings allocated to participating securities

     (4)

Loss allocated to common shareholders

 $(4,191) $(6,617)

Basic:

        

Weighted average common shares outstanding

  9,426,374   9,443,885 

Weighted average unvested restricted stock awards

  (135,101)  (105,460)

Weighted average unallocated ESOP shares

  (500,554)  (553,576)

Total basic weighted average common shares outstanding

  8,790,719   8,784,849 

Diluted:

        

Basic weighted average common shares outstanding

  8,790,719   8,784,849 

Dilutive restricted stock awards

      

Total diluted weighted average common shares outstanding

  8,790,719   8,784,849 

Basic loss per common share

 $(0.48) $(0.75)

Diluted loss per common share

 $(0.48) $(0.75)

 

Potentially dilutive shares are excluded from the computation of EPS if their effect is anti-dilutive. For the years ended December 31, 2025 and 2024, anti-dilutive shares as calculated under the treasury stock method totaled 27,365 and 20,468, respectively. All potentially dilutive shares are anti-dilutive when a loss per share is recorded and, as a result, are excluded from the diluted earnings per share calculation.

 

Historical Timeline

Fiscal YearFiled
2025Mar 12, 2026Showing above
2024Mar 13, 2025
2023Mar 15, 2024

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.