NOTE 22. EARNINGS PER SHARE

 

The following is a summary of the information used in the computation of basic and diluted earnings per common share for the years ended December 31, 2024, 2023 and 2022 (in thousands, except share data).

 

  

December 31,

 
  

2024

  

2023

  

2022

 

Earnings per common share - basic

            

Net income

 $20,252  $16,678  $35,709 

Less: income allocated to participating securities

     (1)  (33)

Net income allocated to common shareholders

  20,252   16,677   35,676 

Weighted average basic shares outstanding

  9,813,694   9,839,258   10,085,758 

Basic earnings per common share

 $2.06  $1.69  $3.54 
             

Earnings per common share - diluted

            

Net income allocated to common shareholders

 $20,252  $16,677  $35,676 

Weighted average basic shares outstanding

  9,813,694   9,839,258   10,085,758 

Dilutive effect of securities

  122,386   2,583   94,951 

Total weighted average diluted shares outstanding

  9,936,080   9,841,841   10,180,709 

Diluted earnings per common share

 $2.04  $1.69  $3.50 

 

The weighted average number of shares that have an antidilutive effect in the calculation of diluted earnings per common share and have been excluded from the computations above are shown below.

 

  

December 31,

 
  

2024

  

2023

  

2022

 

Stock options

  2,238      15,361 

Restricted stock awards

        135 

RSUs

  4,741   71,711   15,176 

 

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.