Dafinchi AI

First Foundation Inc.

FFWM

2025 Q2

Financial Services

2mo

Financial Performance Summary

Allowance for credit losses (ACL) increased by 4 basis points to 50 basis points, driven by higher reserves for new C&I loans and increased commercial loan loss factors.
Core after-tax net income, adjusted for one-time loan transaction impacts and related hedge losses, was $1 million or $0.01 per share.
Customer service costs decreased to $12.9 million from $15.1 million in the prior quarter, primarily due to exiting $540 million of MSR deposits.
First Foundation posted a net loss of $7.7 million in Q2 2025, compared to a net income of $6.9 million in Q1 2025.
Net interest margin (NIM) was 1.68% for the quarter, a 1 basis point increase from the prior quarter, with an adjusted NIM of approximately 1.72% excluding foregone interest income.
Noninterest expense excluding customer service costs was $47 million, slightly higher than the prior quarter due to increased professional services costs.
Noninterest income was approximately $12 million after adjusting for loan transaction-related items, with slight moderation in investment advisory, trust, and consulting fees.
Nonperforming loans remained stable at 35 basis points, and net charge-offs were low at $135,000.
Total loan yields decreased slightly by 5 basis points quarter-over-quarter, exiting just under 4.70%.

First Commonwealth Financial Corporation

FCF

2025 Q2

Financial Services

2mo

Core Earnings Per Share Beat

$0.38

Our core earnings per share of $0.38 surpasses consensus estimates by $0.03 and was an improvement from the $0.32 reported in the first quarter.

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.

Glacier Bancorp, Inc.

GBCI

2025 Q2

Financial Services

3mo

Financial Performance Summary

Credit quality remains strong with nonperforming assets at 0.17% of total assets and net charge-offs of $1.6 million; allowance for credit losses at 1.22% of loans.
Declared 161st consecutive quarterly dividend of $0.33 per share.
Deposits grew to $21.6 billion, up 5% quarter-over-quarter, with noninterest-bearing deposits increasing 8% and representing 30% of total deposits.
Efficiency ratio improved to 62.08%, down from 65.49% in prior quarter and 67.97% a year ago.
Glacier Bancorp reported net income of $52.8 million for Q2 2025, or $0.45 per diluted share, reflecting an 18% increase in net income and a 15% increase in earnings per share compared to the same quarter last year.
Loan portfolio grew $1.3 billion to $18.5 billion, an 8% increase from the prior quarter with $239 million or 6% annualized in organic growth.
Loan yield increased to 5.86%, up 9 basis points from prior quarter and 28 basis points year-over-year.
Net interest income was $208 million, up 9% from the prior quarter and 25% year-over-year, driven by higher average loan balances, improved loan yields, and declining funding costs.
Net interest margin expanded to 3.21%, up 17 basis points from Q1 and 53 basis points year-over-year, marking six consecutive quarters of margin expansion.
Noninterest expense was $155 million, up 3% from prior quarter, including $3.2 million in acquisition-related costs; compensation and benefits rose due to increased headcount and merit increases.
Noninterest income totaled $32.9 million, up slightly from Q1 and 2% year-over-year; service charges and fees increased 8%.
Provision for credit loss was $20.3 million, including $16.7 million related to Bank of Idaho acquisition; core provision was $3.6 million excluding acquisition impact.
Tangible book value per share increased to $19.79, up 8% year-over-year.
Total funding cost declined to 1.63%, down 5 basis points from prior quarter; core deposit costs remained stable at 1.25%.

Hancock Whitney Corporation

HWC

2025 Q3

Financial Services

Financial Performance Summary

Capital ratios remain strong with tangible common equity (TCE) at 10.01% and common equity Tier 1 ratio at 14.08%.
Deposits declined by $387 million due to seasonal public fund activity; interest-bearing deposits decreased by $269 million.
Efficiency ratio improved to 54.1% from 54.91% last quarter, and year-to-date efficiency ratio is nearly 100 basis points better than last year.
Fee income grew 8% quarter-over-quarter to $106 million, driven by record insurance and annuity fees.
Loans grew $135 million or 2% annualized, with strong loan production up 6% quarter-over-quarter and 46% year-over-year.
Net interest income (NII) increased by $3 million or 1% quarter-over-quarter, with a stable net interest margin (NIM) at 3.49%.
Non-accrual loans increased modestly to $114 million; net charge-offs decreased to 19 basis points.
Return on Assets (ROA) improved to 1.46% from 1.32% a year ago, reflecting profitability improvement.

First American Financial Corporation

FAF

2025 Q2

Financial Services

3mo

Record Commercial Revenue and High-Quality Deal Pipeline

Commercial revenue increased by 33%, driven by broad-based strength across asset classes, notably industrial and multifamily.
All-time record in National Commercial Services division for fee per file, with a 30% increase in fee per file.
Strong pipeline with high-quality, large deals, including 11 transactions over $1 million.
Anticipation of deal acceleration in Q4 due to upcoming renewable energy tax incentives, with a positive outlook for the second half of the year.

Credit Acceptance Corporation

CACC

2025 Q2

Financial Services

2mo

Financial Performance Summary

Financed over 85,000 contracts and collected $1.4 billion overall during the quarter.
Forecasted net cash flows declined by 0.5% or $56 million.
Loan performance declined this quarter with 2022, 2023, and 2024 vintages underperforming expectations, while the 2025 vintage exceeded expectations.
Loan portfolio reached a record-high of $9.1 billion on an adjusted basis, up 6% from last Q2.
Market share in the core segment of used vehicles financed by subprime consumers was 5.4% for the first 5 months of the year, down from 6.6% in the same period in 2024.
Paid $63 million in dealer holdback and accelerated dealer holdback to dealers.
Unit and dollar volumes declined, impacted by Q3 2024 scorecard change and increased competition.

Federal Realty Investment Trust

FRT

2025 Q2

Financial Services

2mo

Financial Performance Summary

Comparable property-level operating income grew approximately 5% excluding tax credit impact.
Comparable retail leasing reached 644,000 square feet, near an all-time quarterly record.
Completed asset sales totaling $143 million at blended yields in the mid- to upper 5% range.
Excluding tax credit income, FFO per share was $1.76, beating consensus and prior year results.
Liquidity improved to $1.55 billion with strong credit metrics; net debt-to-EBITDA at 5.4x excluding tax credit income.
Reported FFO per share of $1.91 for Q2 2025 includes $0.15 from new market tax credit income recognized earlier than guided.

American Financial Group, Inc.

AFG

2025 Q2

Financial Services

2mo

Financial Performance Summary

AFG reported core net operating earnings of $2.14 per share for Q2 2025, down from $2.56 in the prior year quarter.
AFG returned over $100 million to shareholders in Q2 2025 through dividends and share repurchases.
Alternative investments returned 1.2% annualized in Q2 2025, down from 5.1% in the prior year quarter, negatively impacting overall investment income by about 5%.
Annualized core operating return on equity was 15.5%, despite lower returns from alternative investments.
Gross and net written premiums increased 10% and 7%, respectively, driven partly by earlier crop acreage reporting.
Net investment income excluding alternatives increased 10% year-over-year due to higher interest rates and asset balances.
Underwriting margins in Specialty Property & Casualty insurance were strong with a 93.1% combined ratio, up 2.6 points year-over-year.

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