Note 13—Earnings Per Common Share

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

Year Ended December 31,

 

(Dollars and shares in thousands, except for per share amounts)

 

2025

2024

2023

 

Basic earnings per common share:

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

Net income

$

798,667

$

534,783

$

494,308

Weighted-average basic common shares

101,043

76,303

76,051

Basic earnings per common share

$

7.90

$

7.01

$

6.50

Diluted earnings per common share:

Net income

$

798,667

$

534,783

$

494,308

Weighted-average basic common shares

101,043

76,303

76,051

Effect of dilutive securities

456

459

429

Weighted-average dilutive shares

101,499

76,762

76,480

Diluted earnings per common share

$

7.87

$

6.97

$

6.46

The calculation of diluted earnings per common share excludes outstanding stock options for which the results would have been antidilutive under the treasury stock method as follows:

Year Ended December 31,

 

 

2025

2024

2023

 

Number of shares

  ​ ​ ​

56,206

  ​ ​ ​

57,169

 

Range of exercise prices

$

to

$

$

91.05

to

$

91.35

$

87.30

to

$

91.35

Historical Timeline

Fiscal YearFiled
2025Feb 20, 2026Showing above
2024Feb 21, 2025
2023Mar 4, 2024
2022Feb 24, 2023
2021Feb 25, 2022
2020Feb 26, 2021
2019Feb 21, 2020
2018Feb 22, 2019
2017Feb 23, 2018
2016Feb 24, 2017

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.