First National Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	74.47	73.25	52.45	43.41	45.58	34.84
Net Interest Income Growth	26.11%	39.64%	20.82%	-4.74%	30.81%	18.23%
Non-Interest Income	16.84	17.02	16.38	11.78	12.62	10.19
Non-Interest Income Growth	28.16%	3.90%	39.00%	-6.63%	23.89%	23.42%
Revenues Before Loan Losses	91.31	90.26	68.83	55.2	58.2	45.03
Provision for Credit Losses	2.51	2.89	7.85	6.15	1.85	-0.65
Revenue	88.81	87.38	60.98	49.05	56.35	45.68
Revenue Growth (YoY)	37.66%	43.28%	24.33%	-12.95%	23.36%	31.55%
Compensation Expenses	33.96	33.66	25.13	21.04	20.71	17.79
Selling, General & Admin	17.18	17.12	12.14	10.29	9.63	10.78
Other Non-Interest Expenses	11.95	14.65	15.67	5.91	5.26	4.16
Total Non-Interest Expense	63.08	65.43	52.93	37.24	35.6	32.73
Pretax Income	26.12	21.94	8.05	11.81	20.75	12.95
Provision for Income Taxes	5.13	4.24	1.08	2.18	3.95	2.59
Net Income	20.99	17.7	6.97	9.62	16.8	10.36
Net Income to Common	20.99	17.7	6.97	9.62	16.8	10.36
Net Income Growth	292.01%	154.13%	-27.62%	-42.70%	62.15%	16.95%
Shares Outstanding (Basic)	9	9	7	6	6	6
Shares Outstanding (Diluted)	9	9	7	6	6	6
Shares Change (YoY)	18.01%	29.33%	11.02%	0.32%	12.60%	13.91%
EPS (Basic)	2.33	1.97	1.00	1.54	2.69	1.87
EPS (Diluted)	2.33	1.96	1.00	1.53	2.68	1.86
EPS Growth	180.72%	96.00%	-34.64%	-42.91%	44.09%	2.20%
Free Cash Flow	23.8	20.93	-25.5	14.52	25.59	7.03
Free Cash Flow Growth	-	-	-	-43.25%	263.87%	-50.41%
Free Cash Flow Per Share	2.64	2.32	-3.66	2.31	4.09	1.27
Dividends Per Share	0.650	0.635	0.605	0.600	0.560	0.480
Dividend Growth	6.56%	4.96%	0.83%	7.14%	16.67%	9.09%
Profit Margin	23.64%	20.26%	11.42%	19.62%	29.81%	22.68%
FCF Margin	26.80%	23.95%	-41.82%	29.61%	45.42%	15.40%
Effective Tax Rate	19.62%	19.33%	13.44%	18.48%	19.05%	19.98%

SEC Filings: 10-K · 10-Q