Dafinchi AI

Gladstone Commercial Corporation

GOOD

2025 Q2

Financial Services

2mo

Financial Performance Summary

FFO and core FFO per share for Q2 2025 were $0.33 and $0.35 respectively, down from $0.36 in Q2 2024.
Net assets increased from $1.16 billion to $1.2 billion mainly due to two industrial acquisitions totaling $78.95 million.
Operating expenses decreased to $25.1 million in Q2 2025 from $26.0 million in Q2 2024, due to incentive fee waivers and lower depreciation, offset by higher property expenses.
Same-store rents increased by 6.4% in the first half of 2025 compared to the same period in 2024.
Total operating revenues increased to $39.5 million in Q2 2025 from $37.1 million in Q2 2024, driven by higher recovery and rental rates.

Hanmi Financial Corporation

HAFC

2025 Q2

Financial Services

3mo

Financial Performance Summary

Allowance for credit losses was 1.06% of loans; capital ratios remained strong with CET1 at 10.63% and total capital ratio at 14.39%.
Deposits grew 1.7% driven by new commercial accounts and branch contributions; noninterest-bearing demand deposits rose over 7% year-over-year, representing 31.3% of total deposits.
Efficiency ratio held steady at 55.7% despite a 3.9% increase in noninterest expenses, including higher salaries and advertising due to branch expansion.
Net charge-offs were $11.4 million, including an $8.6 million charge-off on a syndicated commercial real estate loan; excluding this, charge-offs were 18 basis points annualized.
Net income for Q2 2025 was $15.1 million or $0.50 per diluted share, down from $17.7 million and $0.58 in Q1, primarily due to increased credit loss expense.
Net interest margin increased by 5 basis points to 3.07%, helped by lower funding costs and loan volume growth.
Pre-provision net revenues grew 3.7% quarter-over-quarter to $57.1 million, driven by higher net interest income and noninterest income.
Return on average assets was 0.79% and return on average equity was 7.8%.
Total loans increased by 0.4% linked-quarter or 1.6% annualized to $6.31 billion, with growth in C&I and residential mortgage loans.

Diversified Healthcare Trust

DHC

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted EBITDAre increased 7% year-over-year to $73.6 million.
Average monthly rate in SHOP segment increased 5.4% year-over-year with occupancy up 160 basis points to 80.6%.
Consolidated SHOP NOI margin improved 180 basis points year-over-year to 11.2%.
DHC reported Q2 2025 revenue of $382.7 million, a 3% increase year-over-year.
Funds from Operations (FFO) surged 172% year-over-year to $18.6 million or $0.08 per share.
Same-property cash basis NOI was $71.2 million, up 11.2% year-over-year but down 30 basis points sequentially.
Same-property SHOP NOI rose 18.5% year-over-year to $37.4 million.

Hudson Pacific Properties, Inc.

HPP

2025 Q2

Financial Services

2mo

Significant decline in FFO per diluted share

$0.04 per diluted share in Q2 2025 vs. $0.17 in Q2 2024

Our second quarter FFO, excluding specified items, was $8 million or $0.04 per diluted share compared to $24.5 million or $0.17 per diluted share in the second quarter of last year.

UWM Holdings Corporation

UWMC

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted EBITDA was $195.7 million.
Gain on sale margin increased to 113 basis points, up 19 basis points from Q1 2025.
MSR portfolio stood at $211.2 billion UPB with a weighted average coupon of 5.51%.
Net income was $314.5 million, including a $111 million decline in fair value of MSRs.
Purchase originations totaled $27.3 billion, marking the third-best purchase quarter ever and tracking to over $100 billion for the year.
Refinance volume doubled year-over-year to $12.4 billion, representing about 11% of the industry volume despite owning only 2% of the servicing market.
Total equity increased to $1.7 billion and cash position was $490 million with total available liquidity of $2.2 billion.
UWM reported $39.7 billion in production volume for Q2 2025, the best quarter since 2021 and nearly 20% higher than Q2 2024.

RLI Corp.

RLI

2025 Q2

Financial Services

3mo

Financial Performance Summary

Book value per share increased 16% year-to-date, inclusive of dividends, on an 82% combined ratio and double-digit net investment income growth.
Casualty and Surety segments posted 7% premium growth each, with Casualty combined ratio at 96.5% and Surety at 87.9%.
Net earnings on a GAAP basis were $1.34 per share versus $0.89 in Q2 2024, influenced by $44 million unrealized equity gains this quarter compared to $4 million last year.
Operating cash flow for Q2 was $175 million, up $33 million from last year, with a 2.9% total return for the quarter and strong first half performance.
Property segment premiums declined 10%, influenced by rate decreases in E&S Property, but Marine and Hawaii Homeowners products grew.
Second quarter operating earnings were $0.84 per share, supported by solid underwriting performance and a 16% increase in investment income.
The total combined ratio was 84.5%, up from 81.5% last year, reflecting modest increases in loss and expense ratios but still within expectations.

Global Payments Inc.

GPN

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted earnings per share grew 11% to $3.10 on a reported and constant currency basis.
Adjusted free cash flow was approximately $800 million, with a conversion rate of about 110% for the quarter and roughly 95% year-to-date.
Adjusted operating margin expanded by 130 basis points to 44.6%, or 110 basis points excluding dispositions.
Capital expenditures were $150 million in the quarter, expected to total $750 million for 2025 (about 8% of revenue).
Global Payments reported adjusted net revenue of $2.36 billion for Q2 2025, a 5% increase on a constant currency basis excluding dispositions.
Issuer Solutions segment delivered $547 million in adjusted net revenue, growing about 3.5% on a constant currency basis.
Merchant Solutions segment achieved $1.83 billion in adjusted net revenue, growing approximately 5.5% excluding dispositions.
Net leverage was 3.15x at quarter-end with $3 billion in available liquidity and 95% of debt fixed at a 3.5% weighted average cost.
Share repurchases totaled $230 million in Q2 and over $690 million in the first half of 2025.

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