HAFC

2025 Q2

Financial Services

3mo

Net Income Decline

$15.1 million

Net income for the first quarter was $15.1 million or $0.50 per diluted share compared to $17.7 million and $0.58, respectively, in the first quarter. The decline in net income was primarily due to an increase in credit loss expense.

MBIA Inc.

MBI

2025 Q2

Financial Services

2mo

Significant Reduction in GAAP Net Loss

$56 million net loss in Q2 2025 vs. $254 million net loss in Q2 2024

The company reported a consolidated GAAP net loss of $56 million for the second quarter of 2025 compared with a consolidated GAAP net loss of $254 million for the second quarter of 2024.

First Hawaiian, Inc.

FHB

2025 Q2

Financial Services

3mo

Financial Performance Summary

Expenses were better than expected in the first half, with full year expenses forecasted around $506 million, slightly better than original expectations.
Net income increased over 23% compared to the prior quarter driven by higher net interest and noninterest income, good expense control, and lower provision expense.
Net interest income was $163.6 million, up $3.1 million from prior quarter, with NIM at 3.11%, up 3 basis points.
Noninterest income was $54 million, benefiting from a few favorable items, with recurring noninterest income expected around $51 million per quarter.
Provision for credit losses was $4.5 million, with allowance for credit losses increasing to $167.8 million, coverage flat at 1.17% of total loans and leases.
Total deposits increased slightly, with public deposits up $166 million, offsetting declines in commercial and retail deposits.
Total loans increased about $59 million or 0.4%, mainly from a $125 million increase in dealer floor plan balances, offset by payoffs in commercial real estate construction loans.

Essent Group Ltd.

ESNT

2025 Q2

Financial Services

2mo

Decline in mortgage insurance provision for losses

$15.4 million in Q2 2025 vs. $30.7 million in Q1 2025

Our mortgage insurance provision for losses and loss adjustment expenses was $15.4 million in the second quarter of 2025 compared to $30.7 million in the first quarter of 2025.

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Net Income Decline

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Significant Reduction in GAAP Net Loss

Financial Performance Summary

Decline in mortgage insurance provision for losses