NASB Financial, Inc. Announces Financial Results

Rhea-AI Summary

NASB Financial (OTCQX: NASB) reported net income of $8.1 million or $1.12 per share for the quarter ended September 30, 2025, up from $6.9 million or $0.96 per share in the prior quarter and $6.1 million or $0.84 per share a year earlier. For the year ended September 30, 2025, net income was $28.7 million or $3.97 per share versus $28.3 million or $3.83 per share in the prior year.

Key twelve‑month items: net interest income $80.2M, non‑interest income $8.1M, non‑interest expense $49.7M, total assets $2.93B, deposits $1.82B, and book value per share $59.78. Cash dividends paid per share for the year were $1.35.

Positive

• Quarterly EPS rose ~16.7% to $1.12
• Non‑interest income twelve months: $8.11M (+32.9% YoY)

Negative

• Provision for credit losses twelve months: $571K versus a $1.53M release prior year

KANSAS CITY, Dec. 16, 2025 /PRNewswire/ -- NASB Financial, Inc. (the "Company") (OTCQX: NASB) announced today net income for the quarter ended September 30, 2025, of $8.1 million or $1.12 per share.  This compares to net income of $6.9 million or $0.96 per share for the quarter ended June 30, 2025, and $6.1 million or $0.84 per share for the quarter ended September 30, 2024. 

Net income for the year ended September 30, 2025, was $28.7 million or $3.97 per share.  This compares to net income of $28.3 million or $3.83 per share for the year ended September 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						Twelve Months Ended
								9/30/25	6/30/25		9/30/24			9/30/25	9/30/24
EARNINGS DATA:
		Net interest income				$		21,162	19,957		19,904			80,243	77,939
		Provision for credit losses						--	370		(71)			571	(1,534)
		Non-interest income						2,065	2,400		873			8,107	6,103
		Non-interest expense						12,539	12,833		13,071			49,685	50,021
		Income tax expense						2,629	2,252		1,633			9,371	7,298
		Net income				$		8,059	6,902		6,144			28,723	28,257
FINANCIAL CONDITION DATA:
	Total assets					$		2,932,977	2,938,963	2,860,399				2,932,977	2,860,399
	Total loans held for investments and     mortgage-backed securities, net						2,181,844		2,162,032	2,170,905				2,181,844	2,170,905
	Customer and brokered deposit          accounts						1,823,300		1,835,263	1,729,642				1,823,300	1,729,642
	Stockholders' equity						430,942		423,572	413,204				430,942	413,204
FINANCIAL RATIOS AND PER SHARE DATA:
	Book value per share					$	59.78		58.70	57.18				59.78	57.18
	Earnings per share						1.12		0.96	0.84				3.97	3.83
	Cash dividends paid per share						0.60		0.25	0.25				1.35	1.00
	Return on assets (annualized net income      divided by total average assets)						1.10 %		0.92 %	0.87 %				0.99 %	1.00 %
	Return on equity (annualized net income      divided by average stockholders' equity)							7.54 %	6.54 %	5.99 %				6.81 %	7.07 %
	Weighted average shares outstanding						7,212,753		7,225,785	7,327,387				7,226,392	7,377,073

 

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SOURCE NASB Financial, Inc.

FAQ

What were NASB (OTCQX: NASB) net income and EPS for Q3 2025?

Net income was $8.1M and EPS was $1.12 for the quarter ended September 30, 2025.

How did NASB's EPS for Q3 2025 compare to Q2 2025 and Q3 2024?

EPS rose from $0.96 in Q2 2025 to $1.12, and from $0.84 in Q3 2024 to $1.12.

What is NASB's reported net interest income for the twelve months ended Sept 30, 2025?

Net interest income for the twelve months ended September 30, 2025 was $80.24M.

Did NASB increase dividends in fiscal 2025 and by how much?

Cash dividends paid per share for the year were $1.35 versus $1.00 the prior year.

What were NASB's total assets and deposits as of Sept 30, 2025?

Total assets were $2.93B and customer and brokered deposit accounts were $1.82B as of September 30, 2025.

How did NASB's provision for credit losses change year‑over‑year in 2025?

Provision for credit losses was a charge of $571K for the twelve months ended Sept 30, 2025 versus a $1.53M release the prior year.