Earnings per Common Share
Basic earnings per common share excludes dilution and is computed by dividing income available to common shareholders by the weighted-average common shares outstanding during the period reduced by unearned ESOP Plan shares and treasury shares. Diluted earnings per common share takes into account the potential dilution, computed pursuant to the treasury stock method, that could occur if stock options were exercised and converted into common stock; and if restricted stock awards were vested. The effects of stock options are excluded from the computation of diluted earnings per share in periods in which the effect would be anti-dilutive.
Year Ended
December 31,
(dollars in thousands, except per share data)20252024
Numerator for earnings per share:
Net income available to common stockholders$21,836 $16,346 
Denominators for earnings per share:
Weighted average shares outstanding11,446 11,260 
Average unearned ESOP shares(120)(147)
Basic weighted average shares outstanding11,326 11,113 
Dilutive effects of assumed exercises of stock options212 130 
Diluted weighted average shares outstanding11,538 11,243 
Basic earnings per share$1.93 $1.47 
Diluted earnings per share$1.89 $1.45 
Antidilutive shares excluded from computation of average dilutive earnings per share502 603 

Historical Timeline

Fiscal YearFiled
2025Mar 13, 2026Showing above
2024Mar 17, 2025
2023Mar 15, 2024
2022Mar 16, 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.