Dafinchi AI

FULT

Financial Services

3mo

Capital position remains solid with CET1 at 11.3%, repurchased 522,000 shares at $16.9 average price, and tangible book value per share grew 9.5% annualized linked quarter.
Deposits declined $191 million or 2.9%, influenced by seasonal trends and shifts in municipal and noninterest-bearing balances.
Net interest income was $254.9 million, up $3.7 million linked quarter, with net interest margin increasing 4 basis points to 3.47%.
Noninterest expense was $187.6 million, slightly up linked quarter but below the expected $190-$195 million range for the remaining quarters.
Noninterest income was $69.1 million, with broad-based linked quarter growth and fee income up 7% excluding equity method adjustments.
Operating earnings for Q2 2025 were $106 million or $0.55 per share, a record for the company and a $0.03 linked quarter increase.
Provision expense declined $5.3 million linked quarter to $8.6 million, with stable credit metrics and cautious outlook.
Total loans grew $150 million or 2.5%, primarily in residential mortgage, home equity, and certain commercial categories.
Total revenue increased linked quarter driven by growth in net interest income and fee income.

FFBC

Financial Services

3mo

$226.3 million

We achieved record revenue of $226.3 million, which represents a 5% increase over the same quarter 1 year ago.

FAF

Financial Services

Adjusted consolidated revenue grew 14% year-over-year.
Adjusted earnings per share (EPS) of $1.70 for Q3 2025, a 27% increase year-over-year.
Commercial revenue increased 29%, with a record average revenue per order of over $16,000.
GAAP earnings per diluted share were $1.84.
Home Warranty pretax income rose 80%, driven by a lower loss rate.
Investment income grew 12% to $153 million, with net investment gains of $6 million compared to losses last year.
Purchase revenue declined 2% due to reduced demand for new homes.
Refinance revenue increased 28%, though it accounted for only 6% of direct revenue.

FOUR

Financial Services

2mo

Adjusted EBITDA margins excluding acquisition drag would have been 53%, with expectations of higher operating leverage as the year progresses.
Adjusted free cash flow was $118 million in Q2, representing 57% free cash flow conversion, on track for 50%+ conversion for the full year.
Blended spreads improved to 62.6 basis points compared to 61.5 basis points in Q2 2024, exceeding full-year guidance.
GAAP net income was $41 million with diluted EPS of $0.32, and non-GAAP adjusted net income was $109 million or $1.10 per share on a fully diluted basis.
Gross revenue less network fees grew 29% year-over-year to $413 million, and adjusted EBITDA increased 26% to $205 million with adjusted EBITDA margins at 49.6%.
Shift4 reported 25% year-over-year growth in payment volumes to $50 billion, marking the first quarter with over $50 billion in payment volumes.
Subscription and other revenues grew 37% year-over-year to $97.7 million, setting a Q2 record.

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