Morris State Bancshares Q4 profit rises as NIM improves
Overview
Georgia bank's Q4 net income decreased from Q3 but increased from Q4 2024
Company declared increased quarterly dividend and special dividend
Company received regulatory approval for merger with Vallant Financial
Outlook
Company anticipates completing merger with Vallant Financial by March 2026
Result Drivers
NET INTEREST MARGIN - Improved to 4.48% in 2025 from 4.06% in 2024, driven by better earning-asset yields and reduced cost of funds
ASSET QUALITY - Maintained strong asset quality with nonperforming assets at 0.28% of total loans
MERGER PREPARATION - Regulatory approval received for merger with Vallant Financial, pending final shareholder vote
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.60 |
|
Q4 Net Income |
| $6.37 mln |
|
Q4 Net Interest Income |
| $17.72 mln |
|
Q4 Basic EPS |
| $0.60 |
|
Q4 Net Interest Margin |
| 4.73% |
|
Press Release: ID:nGNX7gWDVL
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