Dafinchi AI

EIG

Financial Services

Adjusted net income was $11.5 million, a 58.8% decrease compared to prior year's adjusted net income of $27.9 million.
Commission expense ratio decreased to 13.2% from 13.9% a year ago.
Current accident year loss and LAE ratio on voluntary business was 69%, up from 66% in the first quarter of 2025.
Gross written premium decreased by 2.2% compared to 2024 due to a decrease in new business written premium within the middle market.
Net investment income was $27.1 million, slightly higher than the second quarter of 2024.
Net premiums earned increased 5.6%, primarily due to strong increases in net written premium in 2024.
Repurchased $23 million of common stock at an average price of $48.08 per share during the quarter.
Total investment return was $57.5 million compared to $26.5 million for the prior year.
Underwriting expense ratio decreased to 21.7% from 22.4% a year ago.

FCF

Financial Services

Core earnings per share of $0.38 surpassed consensus estimates by $0.03 and improved from $0.32 in the first quarter.
Core return on assets was 1.31%, core pretax pre-provision ROA was 1.95%, and core efficiency ratio was 54.1%.
Loan growth was strong at 8.1% annualized, broad-based across equipment finance, small business, commercial, indirect, and branch lending.
Net interest income increased by $10.7 million quarter-over-quarter to $106.2 million.
Net interest margin expanded from 3.62% to 3.83%, driven by improved loan yields, lower deposit costs, CenterBank acquisition, and roll-off of macro hedges.
Noninterest income increased by $2.1 million to $24.7 million, driven by mortgage, SBA, interchange, wealth, and other service charges.
Nonperforming loans increased by $40.1 million due to the floorplan credit and CenterBank acquisition; core credit metrics were neutral excluding these events.
Provision expense was $12.6 million, including $3.8 million CECL provision for CenterBank; excluding that, provision was $8.8 million with $2.6 million for a single commercial floorplan loan moved to nonaccrual.
Total deposits grew 9% year-to-date, reaching $10.1 billion, with strong performance in Community Pennsylvania and Ohio.

RITM

Financial Services

Book value increased to $6.7 billion or $12.71 per share, up from $12.39 in the prior quarter.
Dividend yield remains strong at 8.9%, paying out $0.25 per share.
Genesis Capital achieved a record quarter with origination north of $4 billion, more than doubling since acquisition in 2022.
Newrez's servicing portfolio grew to $864 billion with a typical ROE around 20%.
Return on equity (ROE) for the entire company was 17%, with earnings available for distribution at $291.1 million or $0.54 per diluted share, representing an 18% ROE.
Rithm Capital reported GAAP net income of $283.9 million or $0.53 per diluted share for Q2 2025.
Sculptor's asset management business saw $3.5 billion of AUM growth since acquisition, with strong fundraising and performance.
The company ended the quarter with a record $2.1 billion in cash and liquidity.

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