NASB Financial, Inc. Announces Financial Results

Rhea-AI Summary

NASB Financial (OTCQX: NASB) reported its financial results for Q3 2025, achieving net income of $6.9 million ($0.96 per share), up from $5.8 million ($0.80 per share) in Q2 2025 and $6.8 million ($0.92 per share) in Q3 2024.

For the nine months ended June 30, 2025, the company recorded net income of $20.7 million ($2.86 per share), compared to $22.1 million ($2.99 per share) in the same period last year. Key metrics include net interest income of $19.96 million, total assets of $2.94 billion, and a book value per share of $58.70.

Positive

• Q3 2025 net income increased 19% quarter-over-quarter to $6.9 million
• Net interest income grew to $19.96 million in Q3 2025, up from $19.56 million in Q2
• Non-interest income significantly increased to $2.4 million from $518,000 in previous quarter
• Book value per share improved to $58.70 from $55.06 year-over-year

Negative

• Nine-month net income decreased 6.6% year-over-year to $20.7 million
• Return on equity declined to 6.59% from 7.43% year-over-year
• Provision for credit losses increased to $370,000 from -$9,000 year-over-year
• Total assets decreased 3.1% quarter-over-quarter to $2.94 billion

KANSAS CITY, Mo., Aug. 6, 2025 /PRNewswire/ -- NASB Financial, Inc. (the "Company") (OTCQX: NASB) announced today net income for the quarter ended June 30, 2025, of $6.9 million or $0.96 per share.  This compares to net income of $5.8 million or $0.80 per share for the quarter ended March 31, 2025, and compares to net income of $6.8 million or $0.92 per share for the quarter ended June 30, 2024.

Net income for the nine months ended June 30, 2025, was $20.7 million or $2.86 per share.  This compares to net income of $22.1 million or $2.99 per share for the nine months ended June 30, 2024.

NASB Financial, Inc. is a unitary thrift holding company for North American Savings Bank, F.S.B. ("NASB").  Since 1927, NASB has been serving the financial needs of customers by providing an array of personal banking and lending products in the Kansas City metro area.  NASB offers competitive residential and commercial mortgages nationwide with the safety and security of a Federal institution.  For more information, visit nasb.com.

(Financial Highlights Schedule Attached)

NASB Financial, Inc.
Financial Highlights
(Dollars in thousands, except per share data)
										Three Months Ended												Nine Months Ended
										6/30/25			3/31/25				6/30/24					6/30/25			6/30/24
EARNINGS DATA:
		Net interest income					$			19,957			19,560				19,802					59,081			58,035
		Provision for credit losses								370			135				(9)					571			(1,463)
		Non-interest income								2,400			518				1,174					6,042			5,230
		Non-interest expense								12,833			12,240				12,399					37,146			36,950
		Income tax expense								2,252			1,895				1,803					6,742			5,665
		Net income					$			6,902			5,808				6,783					20,664			22,113
FINANCIAL CONDITION DATA:
	Total assets						$			2,938,963			3,033,963		2,787,478							2,938,963			2,787,478
	Total loans held for investments and     mortgage-backed securities, net									2,162,032			2,155,237		2,160,856							2,162,032			2,160,856
	Customer and brokered deposit          accounts								1,835,263				1,917,821		1,699,859							1,835,263			1,699,859
	Stockholders' equity								423,572				420,814		407,079							423,572			407,079
FINANCIAL RATIOS AND PER SHARE DATA:
	Book value per share						$		58.70				58.18		55.06							58.70			55.06
	Earnings per share								0.96				0.80		0.92							2.86			2.99
	Cash dividends paid per share								0.25				0.25		0.25							0.75			0.75
	Return on assets (annualized net income      divided by total average assets)								0.92 %				0.78 %		0.96 %							0.95 %			1.05 %
	Return on equity (annualized net income      divided by average stockholders' equity)								6.54 %				5.57 %		6.70 %							6.59 %			7.43 %
	Weighted average shares outstanding								7,225,785				7,234,733		7,392,789							7,230,989			7,393,756

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SOURCE NASB Financial, Inc.

FAQ

What was NASB Financial's earnings per share for Q3 2025?

NASB Financial reported earnings of $0.96 per share for Q3 2025, up from $0.80 in Q2 2025 and $0.92 in Q3 2024.

How much net income did NASB Financial report for Q3 2025?

NASB Financial reported net income of $6.9 million for Q3 2025, compared to $5.8 million in Q2 2025 and $6.8 million in Q3 2024.

What is NASB Financial's book value per share as of June 30, 2025?

NASB Financial's book value per share was $58.70 as of June 30, 2025, an increase from $55.06 in the same period last year.

How did NASB Financial's nine-month performance in 2025 compare to 2024?

NASB Financial's nine-month net income was $20.7 million ($2.86 per share) in 2025, down from $22.1 million ($2.99 per share) in 2024.

What is NASB Financial's current dividend payment?

NASB Financial maintains a quarterly dividend payment of $0.25 per share, with total dividends of $0.75 per share paid over the nine-month period.