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Significant Accounting Policies (Tables) | 9 Months Ended
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Sep. 30, 2025
Accounting Policies [Abstract] |
Summary of Operating Revenues | Below is detail of operating revenues (in thousands):
|  | For the Three Months Ended, |  |  | For the Nine Months Ended |
|  | September 30, 2025 |  |  | September 30, 2024 |  |  | September 30, 2025 |  |  | September 30, 2024 |
Service based revenue, net |  |  |  |  |  |  |  |  |  |  |  |
Processing and overdraft service fees, net |  | $ | 129,195 |  |  | $ | 58,659 |  |  | $ | 326,106 |  |  | $ | 152,850 |
Tips |  |  | - |  |  |  | 18,296 |  |  |  | 7,496 |  |  |  | 49,284 |
Subscriptions |  |  | 9,950 |  |  |  | 6,333 |  |  |  | 24,820 |  |  |  | 18,127 |
Other |  |  | 84 |  |  |  | 102 |  |  |  | 251 |  |  |  | 342 |
Transaction based revenue, net |  |  |  |  |  |  |  |  |  |  |  |
Interchange revenue, net |  |  | 6,115 |  |  |  | 4,960 |  |  |  | 18,012 |  |  |  | 14,444 |
ATM revenue, net |  |  | 718 |  |  |  | 747 |  |  |  | 2,257 |  |  |  | 2,317 |
Other |  |  | 4,663 |  |  |  | 3,392 |  |  |  | 11,519 |  |  |  | 8,872 |
Total operating revenues, net |  | $ | 150,725 |  |  | $ | 92,489 |  |  | $ | 390,461 |  |  | $ | 246,236 |
Schedule of Earnings Per Share Basic And Diluted | The following table sets forth the computation of the Company’s basic and diluted net income per share attributable to holders of common stock (in thousands, except share data):
|  | For the Three Months Ended |  | For the Nine Months Ended |
|  | September 30, 2025 |  | September 30, 2024 |  | September 30, 2025 |  | September 30, 2024 |
Numerator |  |  |  |  |  |  |  |  |
Net income attributed to common stockholders—basic and diluted |  | $ | 92,072 |  | $ | 466 |  | $ | 129,924 |  | $ | 41,067 |
Denominator |  |  |  |  |  |  |  |  |
Weighted-average shares of common stock—basic |  |  | 13,457,671 |  |  | 12,639,294 |  |  | 13,317,504 |  |  | 12,426,122 |
Dilutive effect of stock options |  |  | 198,532 |  |  | 258,809 |  |  | 194,928 |  |  | 255,565 |
Dilutive effect of RSU |  |  | 869,098 |  |  | 1,034,549 |  |  | 980,395 |  |  | 905,690 |
Weighted-average shares of common stock—diluted |  |  | 14,525,301 |  |  | 13,932,652 |  |  | 14,492,827 |  |  | 13,587,377 |
Net income per share |  |  |  |  |  |  |  |  |
Basic |  | $ | 6.84 |  | $ | 0.04 |  | $ | 9.76 |  | $ | 3.30 |
Diluted |  | $ | 6.34 |  | $ | 0.03 |  | $ | 8.96 |  | $ | 3.02 |
Summary of Computation of Diluted Net Income Per Share | The following potentially dilutive shares were excluded from the computation of diluted net income per share for the periods presented because including them would have been antidilutive:
|  | For the Three Months Ended |  | For the Nine Months Ended |
|  | September 30, 2025 |  | September 30, 2024 |  | September 30, 2025 |  | September 30, 2024 |
Equity incentive awards |  |  | 412,857 |  |  | 86,354 |  |  | 474,176 |  |  | 613,956 |
Total |  |  | 412,857 |  |  | 86,354 |  |  | 474,176 |  |  | 613,956 |

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