What guidance, if any, did management provide for the upcoming fiscal year and future quarters?

Guidance Summary

The press release only presents preliminary, unaudited results for the fourth quarter and the year ended June 30 2025. It does not contain any forward‑looking statements or quantitative guidance for the upcoming fiscal year or for future quarters. Management’s commentary is limited to the current period’s performance and a reminder that the figures are subject to audit adjustments; there is no mention of revenue, earnings‑per‑share, net interest margin targets, loan‑loss‑reserve expectations, or capital‑return plans for FY 2026 or beyond.

Trading Implications

Because the company has offered no guidance, the market will price the stock largely on the back‑of‑the‑envelope fundamentals of the disclosed Q4 results and the broader banking environment. Traders should focus on the following:

• Fundamentals: Scrutinize the disclosed Q4 metrics (e.g., net interest income, loan growth, credit‑quality trends) once the full earnings release is available. If the preliminary numbers already beat consensus expectations, the stock could see short‑term upside on a “beat‑and‑repeat” narrative, even without formal guidance.
  
• Technicals: In the absence of forward guidance, price action will be driven by the immediate reaction to the preliminary results. Look for a breakout above recent resistance (e.g., the high of the prior 4‑week range) on strong Q4 performance, or a breakdown below support if the preliminary data reveal material weakness.
  
• Risk Management: Without a guidance runway, the upside is capped by the uncertainty of future performance. Consider a modest long position with a tight stop just below the current support level, or a short‑bias if the preliminary results show a material decline in key banking ratios (e.g., net interest margin compression, rising delinquencies).

Bottom line: Management has not issued any fiscal‑year or quarterly guidance. Until the audited results and any forward‑looking commentary are released, traders should base their positioning on the strength of the Q4 fundamentals, sector dynamics, and short‑term technical signals.**