Note 5 – Earnings Per Share

The following table sets forth the computations of basic and diluted earnings per share:

 

December 31, 

 

2025

  ​ ​ ​

2024

 

(In Thousands, except per share data)

Net income (basic and diluted)

$

44,413

 

$

47,074

Weighted average shares issued

14,021

14,043

Less: Weighted average unearned ESOP shares

(562)

(649)

Less: Weighted average unvested restricted shares

 

(198)

 

(258)

Basic weighted average shares outstanding

 

13,261

 

13,136

Add: Dilutive effect of restricted stock

 

40

 

65

Add: Dilutive effect of stock option

 

358

 

158

Diluted weighted average shares outstanding

13,659

13,359

Net income per share

Basic

$

3.35

$

3.58

Diluted

$

3.25

$

3.52

There was no anti-dilutive shares outstanding at December 31, 2025 and 2024.

Historical Timeline

Fiscal YearFiled
2025Mar 13, 2026Showing above
2024Mar 14, 2025

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.