v3.26.3
Summary of Significant Accounting Policies (Tables)
 9 Months Ended
Sep. 30, 2026
Accounting Policies [Abstract]  
Schedule of other income
                    
   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
   2026   2025   2026   2025 
   (In thousands)   (In thousands) 
Origination and servicing fees from third party receivables  $1,353   $1,248   $4,078   $4,063 
Other   1,475    7    5,640    35 
Other income for the period  $2,828   $1,255   $9,718   $4,098 
Schedule of supplemental balance sheet information related to leases
          
   September 30,   December 31, 
   2026   2025 
   (In thousands) 
         
Operating Leases          
Operating lease right-of-use assets  $53,225   $53,225 
Less: Accumulated amortization right-of-use assets   (39,764)   (36,281)
Operating lease right-of-use assets, net  $13,461   $16,944 
           
Operating lease liabilities  $(15,533)  $(19,236)
           
Finance Leases          
Property and equipment, at cost  $4,733   $4,097 
Less: Accumulated depreciation   (3,969)   (3,684)
Property and equipment, net  $764   $413 
           
Finance lease liabilities  $(791)  $(428)
           
Weighted Average Discount Rate          
Operating lease   5.0%    5.0% 
Finance lease   6.6%    6.4% 
Schedule of maturities of lease liabilities
          
Maturities of lease liabilities were as follows:        
(In thousands)  Operating   Finance 
Year Ending December 31,  Lease   Lease 
2026 (excluding the nine months ended September 30, 2026)  $1,408   $113 
2027   5,756    393 
2028   5,937    271 
2029   4,331    43 
2030   1,171    27 
2031   719    20 
Thereafter   50    – 
Total undiscounted lease payments   19,372    867 
Less amounts representing interest   (3,839)   (76)
Lease Liability  $15,533   $791 
Schedule of lease cost
                    
   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
   2026   2025   2026   2025 
   (In thousands)   (In thousands) 
Operating lease cost  $1,317   $1,126   $3,954   $3,748 
Finance lease cost   112    55    319    164 
Total lease cost  $1,429   $1,181   $4,273   $3,912 
Schedule of supplemental cash flow information related to leases
                    
   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
   2026   2025   2026   2025 
   (In thousands)   (In thousands) 
Cash paid for amounts included in the measurement of lease liabilities:                    
Operating cash flows from operating leases  $1,317   $1,126   $3,954   $3,748 
Operating cash flows from finance leases  $97   $48   $274   $142 
Financing cash flows from finance leases  $15   $7   $45   $22 
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   6,123   $6.41   N/A
Granted   1,360   $9.20   N/A
Exercised   (996)  $3.46   N/A
Forfeited   –   $–   N/A
Options outstanding at the end of period   6,487   $7.44   3.78 years
              
Options exercisable at the end of period   4,055   $6.66   2.17 years
Schedule of price distribution of stock options outstanding and exercisable
                    
   Number of shares as of   Number of shares as of 
   September 30, 2026   December 31, 2025 
   Outstanding   Exercisable   Outstanding   Exercisable 
Range of exercise prices:  (In thousands)   (In thousands) 
$2.00 - $2.99   1,015    1,015    1,098    1,098 
$3.00 - $3.99   –    –    897    897 
$4.00 - $4.99   1,130    1,130    1,145    1,145 
$8.00 - $8.99   1,430    358    1,430    – 
$9.00 - $9.99   1,360    –    –    – 
$10.00 - $10.99   1,552    1,552    1,553    1,253 
Total shares   6,487    4,055    6,123    4,393 
Schedule of purchase of our common stock
                    
   Nine Months Ended 
   September 30, 2026   September 30, 2025 
   Shares   Avg. Price   Shares   Avg. Price 
Open market purchases   437,664   $9.23    89,362   $9.48 
Shares redeemed upon net exercise of stock options   165,993   $9.51    451,937   $9.76 
Other   345,000   $9.39    100,000   $8.62 
Total stock purchases   948,657   $9.34    641,299   $9.54