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CVB Financial Corp.

CVBF

2025 Q2

Financial Services

3mo

Consistent Profitability and Long-Term Track Record

Reported net earnings of $50.6 million for Q2 2025, maintaining over 48 years of consecutive profitability (193 quarters).
Declared a $0.20 per share dividend, marking the 143rd consecutive quarter of dividend payments.
Management emphasized the bank's stability and resilience across economic cycles, highlighting its long-standing profitability.

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.

Customers Bancorp, Inc.

CUBI

2025 Q2

Financial Services

3mo

Financial Performance Summary

Credit quality remained strong with nonperforming assets at 27 basis points of total assets and net charge-offs down about 25% quarter-over-quarter.
Customers Bancorp reported a strong Q2 2025 with core EPS of $1.80, core ROCE of 13.3%, and ROAA of 1.1%, exceeding consensus estimates.
Deposit growth was steady at $19 billion, with $300 million in new high-quality deposits from commercial banking teams and a $350 million reduction in brokered deposits.
Net interest margin expanded by 14 basis points quarter-over-quarter to 3.27%, with net interest income increasing about 6% to $176.7 million.
Noninterest expenses were $106.6 million, with a core efficiency ratio improving to 51.6%, well below industry average despite reinvestments.
Tangible book value per share reached $56.24, reflecting a 15% compound annual growth rate since Q4 2019, outperforming peers.

Stifel Financial Corp.

2025 Q3

Financial Services

Record Revenue and Client Assets Achieved in Q3 2025

Stifel reported record net revenue of over $1.4 billion in Q3 2025, surpassing previous records.
Client assets reached a record high of $544 billion, driven by market appreciation and asset growth.
The firm’s third highest EPS in history was achieved at $1.95, indicating strong profitability.
Both wealth management and institutional segments contributed to the record results, with wealth representing 64% of revenue.
Management emphasized the importance of diversified business model in achieving these milestones.
The company highlighted that Q3 revenue exceeded total annual revenue of 2011, illustrating long-term growth.

East West Bancorp, Inc.

EWBC

2025 Q2

Financial Services

3mo

Record Quarterly Revenue and Net Interest Income

Record quarterly revenue and net interest income

Dominic Ng: I'm pleased to report strong second quarter results. We continued to grow the bank and reported record quarterly revenue and net interest income.

Bridgewater Bancshares, Inc.

BWB

2025 Q2

Financial Services

3mo

Financial Performance Summary

Asset quality remained strong with no net charge-offs, nonperforming assets steady at 0.19%, and classified loans showing a modest uptick.
Bridgewater reported strong revenue and balance sheet growth trends in Q2 2025, with net interest margin expanding by 11 basis points to 2.62%.
Expenses were well controlled with a slight increase due to FDIC insurance, charitable contributions, and marketing, resulting in an adjusted efficiency ratio of 51.5%.
Fee income reached record levels excluding one-time gains, including nearly $1 million in swap fee income and over $200,000 in investment advisory fees from the First Minnetonka City Bank acquisition.
Net interest income grew by $2.2 million during the quarter, driven by loan portfolio repricing and strong loan growth at a 12.5% annualized rate.
Noninterest income increased $773,000 or 37% excluding securities gain and FHLB prepayment income.
Tangible book value per share grew nearly 11% annualized year-to-date, with $1.6 million of common stock repurchased in Q2.

Civista Bancshares, Inc.

CIVB

2025 Q2

Financial Services

3mo

Net Income Beat

$11 million

Net income for the second quarter of $11 million or $0.71 per diluted share, which represents a $4 million or 56% increase over our second quarter in 2024.

Regional Management Corp.

2025 Q2

Financial Services

2mo

Financial Performance Summary

30-day delinquency rate improved to 6.6%, down 50 basis points sequentially and 30 basis points year-over-year.
Book value per share reached $36.43 at quarter end.
Capital generation was $16.9 million in Q2, with $26.8 million year-to-date.
Net credit loss rate was 11.9%, improving 50 basis points sequentially and 80 basis points year-over-year.
Net receivables grew by $70 million sequentially and were up 10.5% year-over-year.
Operating expense ratio improved to 13.2%, an all-time best and 60 basis points better year-over-year.
Quarterly revenue reached a record $157 million, up 10% year-over-year.
Regional Management delivered net income of $10.1 million and diluted EPS of $1.03 in Q2 2025, a 20% year-over-year improvement.
Returned $17.6 million to shareholders year-to-date via $11.6 million in stock repurchases and $6.1 million in dividends.
Total originations hit a record $510 million, up 20% year-over-year.

First Citizens BancShares, Inc.

FCNCA

2025 Q3

Financial Services

Financial Performance Summary

Adjusted net income was $587 million, driven by positive operating leverage and net revenue growth.
Deposits grew by $3.3 billion or 2% sequentially, marking the 7th consecutive quarter of deposit growth.
Loans increased by $3.5 billion or 2.5% sequentially, led by Global Fund Banking in SVB Commercial segment.
Net charge-offs increased to $234 million (65 basis points), including an $82 million charge-off related to First Brands bankruptcy.
Net interest income grew 2.3% sequentially, with headline NIM stable at 3.26%.
Reported adjusted earnings per share of $44.62, adjusted ROE of 10.62%, and adjusted ROA of 1.01%.
Tangible book value per share increased approximately 8% year-over-year and 2% sequentially despite $900 million in share repurchases during the quarter.

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