OMH has two classes of authorized capital stock: preferred stock and common stock. OMFC has two classes of authorized capital stock: special stock and common stock. OMH and OMFC may issue preferred stock and special stock, respectively, in one or more series. The OMH Board of Directors and the OMFC Board of Directors determine the dividend, liquidation, redemption, conversion, voting, and other rights prior to issuance.


	Three Months Ended September 30,		Nine Months Ended September 30,
	2026	2025	2026	2025

Balance at beginning of period	115,082,807	118,856,988	117,196,792	119,360,509
Common stock issued	13,207	43,863	338,892	283,247
Common stock repurchased	(538,483)	(539,574)	(3,016,350)	(1,322,347)
Treasury stock issued	17,842	17,696	56,039	57,564

Balance at end of period	114,575,373	118,378,973	114,575,373	118,378,973

The computation of earnings per share was as follows:



	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in millions, except per share data)	2026		2025		2026		2025

Numerator (basic and diluted):
Net income	$	185	$	199	$	563	$	579
Denominator:
Weighted average number of shares outstanding (basic)	114,864,912		118,759,941		115,643,942		119,037,486
Effect of dilutive securities *	618,883		660,103		526,611		556,706
Weighted average number of shares outstanding (diluted)	115,483,795		119,420,044		116,170,553		119,594,192
Earnings per share:
Basic	$	1.61	$	1.67	$	4.87	$	4.86
Diluted	$	1.60	$	1.67	$	4.85	$	4.84

* We have excluded weighted-average unvested restricted stock units totaling 450,017 and 472,402 for the three months ended September 30, 2026 and 2025, respectively, and 466,154 and 498,509 for the nine months ended September 30, 2026 and 2025, respectively, from the fully-diluted earnings per share calculations as these shares would be anti-dilutive, which could impact the earnings per share calculation in the future.

Basic earnings per share is computed by dividing net income by the weighted-average number of shares outstanding during each period. Diluted earnings per share is computed based on the weighted-average number of shares outstanding plus the effect of potentially dilutive shares outstanding during the period using the treasury stock method. The potentially dilutive shares represent outstanding unvested restricted stock units.