Dafinchi AI

Glacier Bancorp, Inc.

GBCI

2025 Q3

Financial Services

Financial Performance Summary

Credit quality remains strong with nonperforming assets at 0.19% of total assets and net charge-offs at 3 basis points of loans.
Deposits grew 4% annualized to $22 billion, with non-interest-bearing deposits increasing 5% annualized to 31% of total deposits.
Loan portfolio grew by $258 million to $18.8 billion, a 6% annualized increase from prior quarter.
Net income for Q3 2025 was $67.9 million or $0.57 per diluted share, up 29% from prior quarter and 33% year-over-year.
Net interest income rose 9% sequentially to $225 million and 25% year-over-year.
Net interest margin expanded to 3.39%, up 18 basis points sequentially and 56 basis points year-over-year, marking seven consecutive quarters of expansion.
Non-interest expense increased 8% sequentially to $168 million, driven by acquisition-related costs.
Pretax pre-provision net revenues for first nine months increased 45% to $250 million compared to prior year.

ServisFirst Bancshares, Inc.

SFBS

2025 Q3

Financial Services

Financial Performance Summary

Book value per share grew by an annualized 14% from last quarter and over 13% year-over-year, ending at $32.37 per share.
Charge-offs totaled just over $9 million, resulting in an annualized net charge-off ratio of 27 basis points.
Efficiency ratio improved to 35.22% from 36.90% a year ago; adjusted efficiency ratio was 33.31%.
Net income grew 18% year-over-year, increasing by more than $9 million compared to Q3 2024.
Net interest income was $133.4 million reported, $137.8 million normalized, with a net interest margin of 3.09% reported and 3.19% normalized.
Normalized net income was $73.8 million or $1.35 EPS after adjusting for unique transactions.
Reported net income of $65.6 million and diluted EPS of $1.20 for Q3 2025.
Return on average assets was 1.47% and return on common equity was 14.9%.

Popular, Inc.

BPOP

2025 Q2

Financial Services

3mo

Financial Performance Summary

Credit quality improved with lower nonperforming loans (NPLs), net charge-offs down to $42 million (45 bps annualized), and provision for credit losses reduced to $50 million.
Deposits increased by $1.4 billion ending balance, with average balances up $499 million; deposit costs decreased by 5 basis points overall.
Loan growth was strong at $931 million, with $681 million at Banco Popular Puerto Rico (BPPR) and $251 million at Popular Bank (PB).
Net income for Q2 2025 was $210 million, up $32 million from Q1, with EPS increasing 21% to $3.09 per share.
Net interest income (NII) increased by $26 million to $632 million, driven by loan growth, asset repricing, and lower deposit costs.
Net interest margin expanded by 9 basis points GAAP and 12 basis points tax equivalent.
Net interest margin expanded by 9 basis points GAAP and 12 basis points tax equivalent basis.
Noninterest income was $168 million, up $16 million from Q1, driven by higher transaction fees and other operating income.
Operating expenses increased $22 million to $493 million, mainly due to $17 million higher personnel costs and $13 million profit sharing accrual.
Regulatory capital remains strong with CET ratio at 15.91% and tangible book value per share at $75.41.
Return on tangible common equity (ROTCE) was 13.3%, up 190 basis points from Q1, with guidance to exceed 12% ROTCE for full year and target 14% longer term.
Share repurchases totaled $112 million in Q2 at an average price of $99 per share, with $33 million remaining on prior authorization plus a new $500 million program.

Comerica Incorporated

CMA

2025 Q2

Financial Services

3mo

Financial Performance Summary

Average deposits declined just over 1%, with non-interest bearing deposits stable at 38%.
Average loans grew almost 1% for the quarter and period-end loans increased approximately 3%.
Capitalization remained strong with an estimated CET1 ratio of 11.94%, well above the 10% strategic target.
Net charge-offs were 22 basis points, at the low end of the normal range and flat quarter-over-quarter.
Net interest income remained stable at $575 million for the third consecutive quarter.
Non-interest expenses decreased $23 million due to lower litigation expenses and salaries, with some offsetting increases in advertising and outside processing.
Non-interest income increased $20 million driven by higher loan volumes, capital markets income, and seasonal benefits.
Reported earnings per share of $1.42, a nearly 14% increase over the prior quarter.
Returned $193 million to shareholders through dividends and share repurchases, including $100 million in share repurchases in Q2.

First Financial Bancorp.

FFBC

2025 Q2

Financial Services

3mo

Record Revenue and Industry-Leading Profitability Driven by Net Interest Margin

Achieved record revenue of $226.3 million, up 5% YoY.
Adjusted earnings per share of $0.74, return on assets of 1.54%, and return on tangible common equity of 20%.
Profitability primarily driven by a robust net interest margin of 4.05%, a 17 basis point increase from Q1.

Gaming and Leisure Properties, Inc.

GLPI

2025 Q2

Financial Services

3mo

Financial Performance Summary

All rent payments are current from tenants despite the increased provision for credit losses.
Operating expenses increased by $65.6 million primarily due to a noncash provision for credit losses based on a more pessimistic economic forecast.
Record year-over-year revenue, AFFO, and adjusted EBITDA were achieved in the quarter.
Rent coverage ratios ranged from 1.69 to 2.72x on master leases as of the prior quarter end.
Total income from real estate for Q2 2025 exceeded Q2 2024 by over $14 million, driven by cash rent increases of over $22 million from acquisitions and escalations.

Encore Capital Group, Inc.

ECPG

2025 Q2

Financial Services

2mo

Financial Performance Summary

Earnings per share rose sharply by 86% to $2.49 compared to Q2 2024, driven by record collections and operational efficiency.
Encore Capital Group reported strong Q2 2025 financial results with portfolio purchases up 32% to $367 million and collections increasing 20% to a record $655 million.
Leverage improved slightly to 2.6x from 2.7x a year ago and remained flat compared to Q1 2025 despite increased portfolio purchases.
Net income increased 82% to $59 million, with operating expenses growing 15% to $291 million, reflecting onboarding of new portfolios.
Portfolio revenue increased 12% to $361 million, supported by a 14% growth in average receivable portfolios and improved portfolio yield of 35.5%.

Great Southern Bancorp, Inc.

GSBC

2025 Q2

Financial Services

3mo

Net Income Beat

+16.5%

$19.8 million

We reported net income of $19.8 million for the quarter or $1.72 per common share, up from $17 million and $1.45 per share in the same quarter a year ago.

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