NOTE 14: Earnings Per Share

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

June 30, 

(dollars in thousands except per share data)

2025

2024

2023

Net income

$

58,578

$

50,182

$

39,237

Less: distributed earnings allocated to participating securities

 

(47)

 

(49)

 

(42)

Less: undistributed earnings allocated to participating securities

 

(217)

 

(208)

 

(150)

Net income available to common shareholders

58,314

49,925

39,045

Denominator for basic earnings per share

Weighted-average shares outstanding

 

11,234,703

 

11,292,634

 

10,124,766

Effect of dilutive securities stock options or awards

 

23,266

 

8,645

 

17,033

Denominator for diluted earnings per share

11,257,969

11,301,279

10,141,799

Basic earnings per share available to common stockholders

$

5.19

$

4.42

$

3.86

Diluted earnings per share available to common stockholders

$

5.18

$

4.42

$

3.85

Certain option and restricted stock awards were excluded from the computation of diluted earnings per share because they were anti-dilutive, based on the average market prices of the Company’s common stock for these periods. Outstanding options and shares of restricted stock totaling 81,175, 79,830, and 66,607 were excluded from the computation of diluted earnings per share for the fiscal years ended June 30, 2025, 2024, and 2023, respectively.

Historical Timeline

Fiscal YearFiled
2025Sep 11, 2025Showing above
2024Sep 13, 2024
2023Sep 13, 2023
2022Sep 13, 2022
2021Sep 13, 2021

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.