Financial insights of TFIN-P

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30
Loans, including fees	47,656	-	56,400
Factored receivables, including fees	46,021	-	43,841
Securities	4,540	-	5,489
Fhlb and other restricted stock	272	-	223
Cash deposits	4,266	-	2,987
Total interest income	102,755	-	108,940
Deposits	14,052	-	17,532
Subordinated notes	662	-	661
Junior subordinated debentures	954	-	1,049
Other borrowings	993	-	1,865
Total interest expense	16,661	-	21,107
Net interest income	86,094	-	87,833
Credit loss expense (benefit)	-607	-	4,284
Net interest income after credit loss expense (benefit)	86,701	96,793*	83,549
Noninterest income	19,707	24,068*	21,448
Salaries and employee benefits	58,168	-	60,192
Occupancy, furniture and equipment	6,501	-	7,862
Fdic insurance and other regulatory assessments	1,058	-	1,468
Professional fees	4,763	-	5,228
Amortization of intangible assets	2,516	-	2,956
Advertising and promotion	1,212	-	2,209
Communications and technology	13,119	-	12,295
Software amortization	3,300	-	2,868
Travel and entertainment	1,520	-	1,043
Other	6,104	-	7,593
Total noninterest expense	98,261	91,719*	103,714
Net intersegment noninterest income (expense)-Intersegment Elimination	-	0*	-
Net intersegment noninterest income (expense)	-	0*	-
Net income before income tax expense	8,147	29,142*	1,283
Income tax expense	1,792	8,907*	-425
Net income	6,355	20,235*	1,708
Dividends on preferred stock	801	803*	801
Net income (loss) available to common stockholders	5,554	19,432	907

Basic EPS	0.23	0.827	0.04
Diluted EPS	0.23	0.817	0.04
Basic Average Shares	23,787,051	23,485,517	23,752,331
Diluted Average Shares	24,036,155	23,770,038	23,924,858

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.