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Citizens Financial Group, Inc.

CFG

2025 Q3

Financial Services

Strategic Focus on Private Bank Growth and Profitability Milestones

The Private Bank achieved a significant milestone by reaching $12.5 billion in deposits, surpassing the year-end target of $12 billion.
The Private Bank's EPS contribution since its launch in 2023 has already covered initial investments, reaching breakeven in about two years.
Management emphasized the importance of cross-pollination within the Citizens franchise to enhance private banking growth.
The private bank added eight wealth lift-outs to its platform in 2025, with more in the pipeline, indicating aggressive expansion.
The outlook remains optimistic with expectations of continued strong growth and high ROE in the 20-25% range for 2025 and beyond.

Ally Financial Inc.

ALLY

2025 Q2

Financial Services

3mo

Strategic Focus and Business Model Transformation

Ally's strategic focus is transforming the company into a more profitable institution through disciplined execution and focus on core franchises.
The company is repositioning its balance sheet by remixing assets towards higher-yielding auto and corporate finance assets funded by stable deposits.
The new business initiatives are expected to generate mid-teens returns over their life cycle.

Old National Bancorp

ONB

2025 Q3

Financial Services

Capital and Profitability Growth Driven by Strong Performance

Old National’s tangible book value per share increased by 17% annualized over the last quarter.
The company’s return on tangible common equity was 20%, with a ROA of 1.3%, both among the top decile of peers.
Profitability was driven by margin expansion, fee income growth, and well-controlled expenses.
Management highlighted that core EPS has grown 7.6% CAGR since 2018, with momentum heading into 2026.

Truist Financial Corporation

TFC

2025 Q3

Financial Services

Strategic Investment in Community and Digital Branches

Truist announced a strategic investment to build 100 new insight-driven branches in high-growth markets during Q3 2025.
The new branches will incorporate advanced AI-driven technology and dedicated premier advisor spaces to enhance client engagement.
Investments also include renovating over 300 locations, enhancing digital capabilities, and hiring premier advisors to serve complex financial needs.
These initiatives aim to deepen client relationships, improve profitability, and strengthen presence in dynamic communities.
Management emphasized that these investments are part of a broader strategy to deliver personalized, technology-enabled experiences to clients.

Affiliated Managers Group, Inc.

AMG

2025 Q2

Financial Services

2mo

Record Organic Growth in 12 Years Driven by Alternative Strategies

AMG's second quarter of 2025 marked the strongest quarter in 12 years for organic growth, with a 15% increase in economic earnings per share.
This growth was primarily driven by record inflows into alternative strategies, totaling over $8 billion in net client cash flows.
The shift towards alternative assets and secular growth areas is a core part of AMG's strategic evolution, with a focus on private markets and liquid alternatives.

Valley National Bancorp

VLY

2025 Q2

Financial Services

3mo

Strategic Focus on Deposit Growth and Funding Transformation

Added over 105,000 new deposit accounts in the past 12 months, contributing to 8% core deposit growth.
Reduced reliance on indirect deposits from 18% to 13%.
Achieved a 51 basis point reduction in average deposit cost in Q2 2025 compared to Q2 2024.
Investments in talent, technology, targeted market penetration, and specialty verticals have driven commercial deposit growth at an 11% annual rate since 2017.

ServisFirst Bancshares, Inc.

SFBS

2025 Q3

Financial Services

Loan Paydown Trends and Impact on Growth Expectations

Loan paydowns increased by $500 million over the previous two quarters, which contributed to below-expected loan growth in Q3 2025.
Management reviewed loan booking and draw activity, noting a slight decline in the pipeline as a percentage of projected payoffs.
Despite softer loan growth, the pipeline is 40% higher than a year ago, indicating strong future potential.
Loan payoffs include some low fixed-rate loans that are being paid off through asset sales, which is viewed positively.
Management expects a solid loan closing quarter in Q4, with all markets now profitable for the first time since inception.
The company emphasizes that not all payoffs are negative, especially those related to asset sales at favorable rates.

Banner Corporation

BANR

2025 Q2

Financial Services

3mo

Banner's Resilient Core Deposit Base and Relationship Banking Strategy

Core deposits constitute 89% of total deposits, demonstrating resilience and customer loyalty.
The bank's strategy emphasizes relationship banking, focusing on small business clients, which tend to be deposit-rich.
Management expects that new client relationships will come with both loans and deposits, supporting organic growth.

Preferred Bank

PFBC

2025 Q2

Financial Services

3mo

Net Income Beat

$32.8 million

Preferred Bank's second quarter net income was $32.8 million or $2.52 a share, which is a reasonable improvement from the previous quarter.

TrustCo Bank Corp NY

TRST

2025 Q2

Financial Services

3mo

Strategic Capital Deployment for Lending in Favorable Rate Environment

TrustCo's strategy over recent years has been to amass capital specifically to lend out during periods of favorable interest rates.
The company has capitalized on rising loan demand and competitive borrowing conditions to increase lending activities.
This approach has supported margin expansion and loan growth, with a focus on community lending.

Blue Foundry Bancorp

BLFY

2025 Q2

Financial Services

2mo

Strategic Focus on Portfolio Diversification and Yield Enhancement

Management emphasized ongoing efforts to diversify the loan portfolio, including a $22 million increase in commercial and industrial loans, a $12 million rise in construction loans, and a $76 million increase in consumer loans, primarily credit-enhanced.
The strategy aims to improve risk-adjusted returns and drive earnings growth, with a focus on higher-yield asset classes.
Loan pipeline remains healthy with over $40 million in commercial lending letters of intent, expected to yield above 7%.
Portfolio shifts are aligned with long-term value creation and supporting local businesses.

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