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Community Bank System, Inc.

CBU

2025 Q2

Financial Services

3mo

Financial Performance Summary

Allowance for credit losses was $81.9 million or 78 basis points of loans, covering over five times trailing net charge-offs.
Deposits increased 4.3% year over year but decreased 1.4% sequentially due to seasonal municipal deposit outflows.
GAAP earnings per share were $0.97, up 6.6% year over year and 4.3% sequentially.
Loans grew $98 million sequentially and $495.3 million year over year, driven by consumer indirect lending and business lending.
Net charge-offs were $5.1 million or 20 basis points annualized, elevated due to one CRE loan charge-off.
Net interest income was $124.7 million, up 14% year over year and 3.8% sequentially, marking the fifth consecutive quarter of growth.
Net interest margin increased 6 basis points to 3.3%.
Noninterest expenses increased 8.5% year over year, driven by salaries, data processing, restructuring charges, and branch expansion costs.
Nonperforming loans decreased sequentially and were stable year over year at about 50 basis points of total loans.
Operating earnings per share were $1.04, a record quarterly result, up from $0.95 a year ago and $0.98 last quarter.
Provision for credit losses was $4.1 million, higher than prior year but lower than last quarter.

NMI Holdings, Inc.

NMIH

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted net income was $96.5 million or $1.22 per diluted share, with a 16.3% adjusted return on equity.
Claims expense was $13.4 million in the quarter.
Defaults declined to 6,709 at June 30 from 6,859 at March 31, with a default rate of 1%.
GAAP net income was $96.2 million and diluted EPS was $1.21.
Investment income was $24.9 million, up from $23.7 million in Q1 and $20.7 million in Q2 2024.
National MI generated $12.5 billion of new insurance written (NIW) volume in Q2 2025, ending with a record $214.7 billion of primary insurance in force.
Net premiums earned were $149.1 million, slightly down from $149.4 million in Q1 2025 but up from $141.2 million in Q2 2024.
Net yield was 28 basis points; core yield (excluding reinsurance and cancellation earnings) was 34.2 basis points, up from 34.1 basis points in Q1.
Shareholders' equity was $2.4 billion with book value per share of $31.14, up 4% from Q1 and 16% from Q2 2024.
The company repurchased $23.2 million of common stock in Q2, retiring 628,000 shares at an average price of $36.90, with $281 million of repurchase capacity remaining.
Total cash and investments were $3 billion, including $169 million at the holding company.
Total revenue was a record $173.8 million, up from $173.2 million in Q1 2025 and $162.1 million in Q2 2024.
Underwriting and operating expenses were $29.5 million, down from $30.2 million in Q1, resulting in a record low expense ratio of 19.8%.

Customers Bancorp, Inc.

CUBI

2025 Q2

Financial Services

3mo

Core EPS Beat

$1.80

We delivered core EPS of $1.80 with core ROE and ROA of 13.3% and 1.1%, respectively, reflecting broad-based strength across the business.

OceanFirst Financial Corp.

OCFC

2025 Q2

Financial Services

3mo

Financial Performance Summary

A quarterly cash dividend of $0.20 per common share was approved, marking the 114th consecutive quarterly dividend.
Asset quality remained strong with classified loans decreasing 3% to $145 million or 1.4% of total loans.
Capital levels remained robust with a common equity Tier 1 capital ratio of 11% and tangible book value per share of $19.34.
Commercial and industrial loans increased 8% for the quarter.
Earnings per share were $0.28 on a fully diluted GAAP basis and $0.31 on a core basis for Q2 2025.
Net charge-offs were $2.2 million, primarily from two commercial credits and a small sale of nonperforming residential loans.
Net interest income grew by $1 million with net interest margin expanding by 1 basis point.
Operating expenses were $71 million, in line with expectations and previous guidance.
The company repurchased 1 million shares at a weighted average cost of $17.17 and redeemed $57 million of preferred stock.
Total loans increased by $60 million, representing a 2% annualized growth rate, driven by strong originations of $716 million.

Eagle Bancorp, Inc.

EGBN

2025 Q2

Financial Services

3mo

Net Loss

$69.8 million

Our second quarter results reflect the impact of credit reserve building and loan resolution efforts resulting in a net loss for the quarter totaling $69.8 million or $2.30 per share.

TransUnion

TRU

2025 Q2

Financial Services

3mo

Financial Performance Summary

Adjusted diluted earnings per share was $1.08, $0.09 above the high end of guidance, a 9% increase year-over-year.
Adjusted EBITDA increased 8% with a margin of 35.7%, ahead of guidance due to stronger revenue flow-through.
Consumer Lending and Auto segments grew double digits; Card & Banking grew mid-single digits.
Emerging Verticals grew 5%, led by double-digit growth in Insurance; Consumer Interactive grew 2% organically.
International revenue grew 6% on an organic constant currency basis, with India accelerating to 8%, and Canada and Africa growing double digits.
Leverage ratio declined to 2.8x, with plans to delever to 2.5x before closing the Mexico acquisition expected by year-end.
Mortgage revenue grew 29% despite flat inquiry volumes, modestly above expectations.
Revenue grew 9% on an organic constant currency basis, surpassing the 3% to 5% guidance range; excluding mortgage, growth was 6.5%.
Share repurchases totaled $47 million through mid-July, supporting disciplined capital deployment.
TransUnion exceeded all key financial guidance metrics in Q2 2025, delivering high single-digit organic revenue growth for the sixth consecutive quarter.
U.S. Markets segment revenue increased 10%, with Financial Services growing 17% and 11% excluding mortgage.

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