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v3.25.3

Summary of Significant Accounting Policies (Tables) | 9 Months Ended
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Sep. 30, 2025
Accounting Policies [Abstract] |
Schedule of other income |
Schedule of other income |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Three Months Ended |  | Nine Months Ended
|  | September 30, |  | September 30,
|  | 2025 |  | 2024 |  | 2025 |  | 2024
|  | (In thousands) |  | (In thousands)
Origination and servicing fees from third party receivables |  | $ | 1,248 |  |  | $ | 1,647 |  |  | $ | 4,063 |  |  | $ | 5,485 |
Sales tax refunds |  |  | – |  |  |  | 254 |  |  |  | – |  |  |  | 803 |
Other |  |  | 7 |  |  |  | 21 |  |  |  | 35 |  |  |  | 103 |
Other income for the period |  | $ | 1,255 |  |  | $ | 1,922 |  |  | $ | 4,098 |  |  | $ | 6,391 |
Schedule of supplemental balance sheet information related to leases |
Schedule of supplemental balance sheet information related to leases |  |  |  |  |  |  |  |
|  | September 30, |  |  | December 31, |
|  | 2025 |  |  | 2024 |
|  | (In thousands) |
Operating Leases |  |  |  |  |  |  |  |
Operating lease right-of-use assets |  | $ | 51,770 |  |  | $ | 51,093 |
Less: Accumulated amortization right-of-use assets |  |  | (35,055 | ) |  |  | (31,644 | )
Operating lease right-of-use assets, net |  | $ | 16,715 |  |  | $ | 19,449 |
Operating lease liabilities |  | $ | (18,748 | ) |  | $ | (21,471 | )
Finance Leases |  |  |  |  |  |  |  |
Property and equipment, at cost |  | $ | 4,039 |  |  | $ | 3,794 |
Less: Accumulated depreciation |  |  | (3,635 | ) |  |  | (3,488 | )
Property and equipment, net |  | $ | 404 |  |  | $ | 306 |
Finance lease liabilities |  | $ | (418 | ) |  | $ | (315 | )
Weighted Average Discount Rate |  |  |  |  |  |  |  |
Operating lease |  |  | 5.0% |  |  |  | 5.0% |
Finance lease |  |  | 6.4% |  |  |  | 6.5% |
Schedule of maturities of lease liabilities |
Schedule of maturities of lease liabilities |  |  |  |  |  |  |  |
(In thousands) |  | Operating |  |  | Finance |
Year Ending December 31, |  | Lease |  |  | Lease |
2025 (excluding the nine months ended September 30, 2025) |  | $ | 938 |  |  | $ | 52 |
2026 |  |  | 5,084 |  |  |  | 207 |
2027 |  |  | 5,242 |  |  |  | 149 |
2028 |  |  | 5,408 |  |  |  | 30 |
2029 |  |  | 3,761 |  |  |  | 10 |
Thereafter |  |  | 985 |  |  |  | – |
Total undiscounted lease payments |  |  | 21,418 |  |  |  | 448 |
Less amounts representing interest |  |  | (2,670 | ) |  |  | (30 | )
Lease Liability |  | $ | 18,748 |  |  | $ | 418 |
Schedule of lease cost |
Schedule of lease cost |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Three Months Ended |  |  | Nine Months Ended |
|  | September 30, |  |  | September 30, |
|  | 2025 |  |  | 2024 |  |  | 2025 |  |  | 2024 |
|  | (In thousands) |  |  | (In thousands) |
Operating lease cost |  | $ | 1,126 |  |  | $ | 1,311 |  |  | $ | 3,748 |  |  | $ | 3,996 |
Finance lease cost |  |  | 55 |  |  |  | 34 |  |  |  | 164 |  |  |  | 82 |
Total lease cost |  | $ | 1,181 |  |  | $ | 1,345 |  |  | $ | 3,912 |  |  | $ | 4,078 |
Schedule of supplemental cash flow information related to leases |
Schedule of supplemental cash flow information related to leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Three Months Ended |  |  | Nine Months Ended |
|  | September 30, |  |  | September 30, |
|  | 2025 |  |  | 2024 |  |  | 2025 |  |  | 2024 |
Cash paid for amounts included in the measurement of lease liabilities: |  | (In thousands) |  |  | (In thousands) |
Operating cash flows from operating leases |  | $ | 1,126 |  |  | $ | 1,311 |  |  | $ | 3,748 |  |  | $ | 3,996 |
Operating cash flows from finance leases |  |  | 48 |  |  |  | 29 |  |  |  | 142 |  |  |  | 70 |
Financing cash flows from finance leases |  |  | 7 |  |  |  | 6 |  |  |  | 22 |  |  |  | 13 |
Schedule of stock option activity |
Schedule of stock option activity |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  | Weighted
|  | Number of |  |  | Weighted |  |  | Average
|  | Shares |  |  | Average |  |  | Remaining
|  | (in thousands) |  |  | Exercise Price |  |  | Contractual Term
Options outstanding at the beginning of period |  |  | 6,157 |  |  | $ | 5.37 |  |  | N/A
Granted |  |  | 1,430 |  |  |  | 8.19 |  |  | N/A
Exercised |  |  | (1,352 | ) |  |  | 3.48 |  |  | N/A
Forfeited |  |  | (7 | ) |  |  | 4.95 |  |  | N/A
Options outstanding at the end of period |  |  | 6,228 |  |  | $ | 6.43 |  |  | 3.47 years
Options exercisable at the end of period |  |  | 4,438 |  |  | $ | 5.55 |  |  | 2.35 years
Schedule of price distribution of stock options outstanding and exercisable |
Schedule of price distribution of stock options outstanding and exercisable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Number of shares as of |  |  | Number of shares as of |
|  | September 30, 2025 |  |  | December 31, 2024 |
|  | Outstanding |  |  | Exercisable |  |  | Outstanding |  |  | Exercisable |
Range of exercise prices: |  | (In thousands) |  |  | (In thousands) |
$2.00 - $2.99 |  |  | 1,098 |  |  |  | 1,098 |  |  |  | 1,197 |  |  |  | 1,197 |
$3.00 - $3.99 |  |  | 897 |  |  |  | 897 |  |  |  | 2,026 |  |  |  | 2,026 |
$4.00 - $4.99 |  |  | 1,190 |  |  |  | 1,190 |  |  |  | 1,262 |  |  |  | 972 |
$8.00 - $8.99 |  |  | 1,430 |  |  |  | – |  |  |  | – |  |  |  | – |
$10.00 - $10.99 |  |  | 1,613 |  |  |  | 1,253 |  |  |  | 1,612 |  |  |  | 892 |
Total shares |  |  | 6,228 |  |  |  | 4,438 |  |  |  | 6,097 |  |  |  | 5,087 |
Schedule of purchase of our common stock |
Schedule of purchase of our common stock |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Nine Months Ended |
|  | September 30, 2025 |  |  | September 30, 2024 |
|  | Shares |  |  | Avg. Price |  |  | Shares |  |  | Avg. Price |
Open market purchases |  |  | 89,362 |  |  | $ | 9.48 |  |  |  | 473,202 |  |  | $ | 8.67 |
Shares redeemed upon net exercise of stock options |  |  | 451,937 |  |  |  | 9.76 |  |  |  | 876,456 |  |  |  | 8.66 |
Other |  |  | 100,000 |  |  |  | 8.62 |  |  |  | 120,000 |  |  |  | 9.49 |
Total stock purchases |  |  | 641,299 |  |  | $ | 9.54 |  |  |  | 1,469,658 |  |  | $ | 8.73 |

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