Dafinchi AI

Associated Banc-Corp

ASB

Financial Services

3w

Financial Performance Summary

Capital ratios increased: CET1 at 10.2%, TCE at 8.06%, both up year-over-year and sequentially.
Commercial & Industrial (C&I) loans grew over $700 million year-to-date, driving loan growth.
Efficiency ratio improved to below 56%, the lowest since early 2023.
Net interest income (NII) reached a record $300 million, up 17% year-over-year.
Net interest margin (NIM) expanded to 3.04%, up 29 basis points year-over-year and 7 basis points sequentially.
Nonaccrual loans decreased 16%, net charge-offs were 17 basis points, and provision expense was $18 million.
Noninterest expense was $209 million, slightly down from prior quarter, driving positive operating leverage.
Noninterest income was $67 million, up 3% year-over-year and 14% sequentially.
Reported earnings of $0.65 per share in Q2 2025.
Return on tangible common equity (ROATCE) improved to 12.96%, up 62 basis points from Q1.
Total loans grew 1% quarter-over-quarter and 3% year-over-year, or nearly 6% adjusted for loan sale.

UWM Holdings Corporation

UWMC

Financial Services

1w

Financial Performance Summary

Adjusted EBITDA was $195.7 million.
Gain on sale margin increased to 113 basis points, up 19 basis points from Q1 2025.
MSR portfolio stood at $211.2 billion UPB with a weighted average coupon of 5.51%.
Net income was $314.5 million, including a $111 million decline in fair value of MSRs.
Purchase originations totaled $27.3 billion, marking the third-best purchase quarter ever and tracking to over $100 billion for the year.
Refinance volume doubled year-over-year to $12.4 billion, representing about 11% of the industry volume despite owning only 2% of the servicing market.
Total equity increased to $1.7 billion and cash position was $490 million with total available liquidity of $2.2 billion.
UWM reported $39.7 billion in production volume for Q2 2025, the best quarter since 2021 and nearly 20% higher than Q2 2024.

Financial Institutions, Inc.

FISI

Financial Services

3w

Strong Loan Growth in Upstate New York Markets Driven by Momentum and Prepayments

Upstate New York markets exhibit more momentum and robust opportunities compared to other regions.
Recent prepayment of construction loans a year ahead of schedule, indicating high-quality credits and active sponsors.
Management emphasizes the potential for higher loan growth in these markets, with a focus on organic growth and pipeline strength.

Repay Holdings Corporation

RPAY

Financial Services

4d

REPAY's Strategic Focus on Organic Growth and Capital Allocation Priorities

REPAY emphasized its focus on organic growth and investments, with a clear priority on managing CapEx as a percentage of revenue.
The company plans to use cash on hand to reduce its $220 million convertible notes due in February 2026, indicating a strategic debt management approach.
Management highlighted the potential for opportunistic share repurchases, with $38 million spent on buying back 7.9 million shares year-to-date.
REPAY remains open to strategic tuck-in M&A to accelerate growth, focusing on verticals like consumer payments and business payments.
The company aims to maintain a strong balance sheet with ample liquidity, including $413 million in total liquidity, to support its strategic initiatives.

Ambac Financial Group, Inc.

AMBC

Financial Services

1w

Financial Performance Summary

Adjusted EBITDA from continuing operations was a loss of $5 million, down from a sub $1 million loss in Q2 2024, impacted by increased intangible amortization and interest expense related to the Beat acquisition.
Ambac reported a net loss from continuing operations of $21 million or $0.45 per share in Q2 2025, compared to a loss of $15 million or $0.33 per share in Q2 2024.
Everspan's net earned premiums declined 41% to $16 million, but loss ratio improved to 67.8% from 85.1%, and adjusted EBITDA improved by $1.7 million to $0.7 million.
Insurance Distribution revenues rose 148% to $33 million, with adjusted EBITDA on an operating basis of $5 million at a 13.9% margin.
Total revenues increased 8% to $55 million, driven by Insurance Distribution segment growth, while Everspan premiums declined due to underwriting repositioning.