What changed
EPS of $0.90 beat consensus of $0.85 by $0.05 (+5.9%). Revenue quality is solid: net interest income rose 7.4% YoY to $47.9M, NIM expanded 13bps to 3.71%, and loans grew 9.8% annualized. The market may miss that EPS included $0.13 in non-operating gains ($0.07 from MSR fair value changes, $0.06 from Visa B-2 stock exchange), masking core operating strength.
Why it matters
EPS beat consensus by $0.05, net interest income up 7.4%, NIM expanded 13bps, loan growth 9.8%.
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Jul 23, 2026 12:27 PM ET