Dafinchi AI

East West Bancorp, Inc.

EWBC

2025 Q2

Financial Services

3mo

Financial Performance Summary

East West Bancorp reported record quarterly revenue and net interest income in Q2 2025, with average loan and deposit growth of 2% quarter-over-quarter.
Efficiency ratio was 36.4%, with total operating noninterest expense at $230 million, in line with full-year guidance.
Income tax expense was $92 million with an effective tax rate of 22.9%, including a $6 million one-time expense related to California's tax changes.
Net interest income grew to $617 million, up $17 million from Q1, with a 16.7% adjusted return on tangible common equity and a 1.6% return on average assets.
Total average deposits grew 2% quarter-over-quarter, with strong growth in noninterest-bearing deposits and commercial deposit segments.
Total noninterest income was $86 million, with fee income at $81 million, the third highest quarter for fees in company history.

Franklin Resources, Inc.

BEN

2025 Q3

Financial Services

2mo

Financial Performance Summary

Adjusted operating income was $378 million, flat from prior quarter, driven by lower compensation expenses offset by Western outflows and lower average AUM.
Assets under management ended the quarter at $1.61 trillion, increased from the prior quarter due to positive markets and strengthening flows, partially offset by long-term outflows at Western Asset Management.
Equity net outflows were $645 million, impacted by market volatility affecting growth strategies; positive net flows into large cap value, international, and emerging market strategies.
Fixed income net outflows improved to $1.3 billion; excluding Western, fixed income net inflows were $3.5 billion, driven by Franklin Templeton Fixed Income and Brandywine Global.
Institutional pipeline of 1 but unfunded mandates rose by net $4 billion to a record $24.4 billion, including $14.8 billion in new wins across all asset classes and multiple regions.
Long-term net outflows totaled $9.3 billion, an improvement from the prior quarter's $26.2 billion outflows; excluding Western Asset Management, long-term net inflows were $7.8 billion this quarter.
Multi-asset and alternatives generated combined $4.3 billion in positive net flows; multi-asset flows have been positive for 16 consecutive quarters.
Over half of mutual fund AUM outperformed peer median across 3-, 5-, and 10-year periods; mutual fund investment performance increased in 3-, 5-, and 10-year periods but declined in 1-year period due to a large yield fund.
Western net outflows moderated to the lowest since September 2024; money market balances grew with cash management net inflows for 4 of the last 5 quarters, increasing cash management AUM to $72 billion.

Interactive Brokers Group, Inc.

IBKR

2025 Q3

Financial Services

Financial Performance Summary

Client equity surpassed $750 billion, up 40% from last year, significantly outpacing the S&P 500's 16% growth.
Commission revenue increased by 23% year-over-year, reaching a record $537 million in Q3 2025.
Customer trading volumes rose 27% in options and 67% in equities, while futures volumes declined 7%.
Execution and clearing costs decreased 21% year-over-year due to SEC fee reductions and improved smart order routing.
Net interest income rose 21% to a quarterly record of $967 million despite lower benchmark interest rates.
Pretax margin remained strong at 79%, consistent with prior periods.
Total assets increased 35% year-over-year to $200 billion, supported by higher margin lending and segregated cash balances.
Total net revenues grew 21%, driven by higher trading volumes in stocks and options.

EPR Properties

EPR

2025 Q2

Financial Services

2mo

Financial Performance Summary

AFFO for Q2 was $1.24 per share, up 3.3% from $1.20 in prior year.
Consolidated debt at quarter end was $2.8 billion with 86% fixed or swapped at blended coupon of ~4.3%.
FFO as adjusted for Q2 2025 was $1.26 per share, up 3.3% from $1.22 in prior year.
For the first half of 2025, FFO as adjusted was $2.45 per share, up 4.7% from $2.34 prior year; AFFO was $2.44 per share, up 4.7%.
G&A expenses increased to $13.2 million from $12 million due to higher payroll and franchise taxes.
Interest expense increased by $426,000 due to higher weighted average interest rate and additional borrowing.
Key credit ratios remain strong: fixed charge coverage at 3.3x, interest and debt service coverage at 3.9x, net debt to adjusted EBITDAre at 5.1x (5x adjusted), net debt to gross assets at 39%.
Liquidity strong with $13 million cash and $405 million drawn on $1 billion revolver.
Mortgage and other financing income increased by $1.9 million due to additional mortgage note investments.
Net proceeds from dispositions in Q2 totaled $35.6 million with a net gain of $16.8 million, excluded from FFO and AFFO.
Percentage rents increased to $4.6 million from $2 million prior year, primarily from one theater tenant.
Total revenue for Q2 was $178.1 million versus $173.1 million prior year, driven by rental revenue increase of $5.3 million and higher percentage rents.

Eastern Bankshares, Inc.

EBC

2025 Q2

Financial Services

3mo

Operating Earnings Increase

$81.7 million

Operating earnings were $81.7 million, an increase of 21% from the first quarter.

Coinbase Global, Inc.

COIN

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted net income was $33 million, excluding gains and losses from investment portfolios.
Consumer spot trading volume was $43 billion, down 45%, and consumer trading revenue was $650 million, down 41%.
Headcount increased 8% to just under 4,300 full-time employees.
Institutional spot trading volume was $194 billion, down 38%, with institutional transaction revenue of $61 million, down 38%.
Net income was $1.4 billion, including a $307 million expense from a data theft incident, a $1.5 billion unrealized gain on strategic investments, and a $362 million gain from crypto investment portfolio remeasurements.
Operating expenses were $1.5 billion, including the $307 million data theft expense; excluding this, expenses declined 9%.
Subscription and services revenues were $656 million, with growth in USDC, staking, custody, and Prime financing loan balances offset by asset price headwinds.
Total revenue was $1.5 billion with positive adjusted EBITDA of $512 million.

West Bancorporation, Inc.

WTBA

2025 Q2

Financial Services

3mo

Net Income Beat

$8 million

Net income was $8 million in the second quarter compared to $7.8 million in the first quarter of '25 and $5.2 million in the second quarter of 2024.

Blue Foundry Bancorp

BLFY

2025 Q2

Financial Services

2mo

Financial Performance Summary

Blue Foundry Bancorp reported a net loss of $2 million or $0.10 per diluted share for Q2 2025, an improvement of $735,000 from the prior quarter.
Cost of funds declined by 13 basis points to 2.72%, with deposit costs down 13 basis points to 2.62% and borrowings cost down 9 basis points to 3.30%.
Deposits increased by $29.1 million or 2%, with core deposits growing approximately 4%, fueled by full banking relationships with commercial customers.
Gross loans increased by $47.4 million during the quarter, with organic growth in owner-occupied commercial real estate and construction, plus $45 million in credit-enhanced consumer loan purchases.
Interest income rose by $725,000 primarily due to loan growth, while interest expense declined by $171,000 reflecting lower deposit costs.
Loan portfolio yield improved by 8 basis points to 4.80%, and total interest-earning assets yield increased by 7 basis points to 4.58%.
Net interest income increased by $896,000 or 8.3%, driven by a 12 basis point expansion in net interest margin and loan growth.
Noninterest expense decreased by $90,000 compared to prior quarter, mainly due to seasonal occupancy expense, and is expected to remain in the mid- to high $13 million range.
Nonperforming assets and loans increased slightly but remain low at 0.30% and 0.38% respectively, with allowance coverage ratios slightly decreased but still strong.
Provision for credit losses was $463,000, primarily for reserves on unfunded loan commitments scheduled to close in Q3.

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