- Adjusted operating net income excluding merger expenses and CECL provision was $77.4 million or $1.55 diluted EPS.
- Assets under administration (AUA) in wealth management grew to $9.2 billion, including $1.4 billion from Enterprise acquisition.
- Commercial & Industrial (C&I) loan balances grew organically over 13% annualized in Q3.
- Commercial real estate (CRE) loan balances declined organically at a 6.7% annualized rate.
- Deposits grew organically by approximately 1% annualized, with demand deposits representing 28% of total deposits.
- GAAP net income for Q3 2025 was $34.3 million with diluted EPS of $0.69.
- Net interest margin improved to 3.62%, a 25 basis point increase from prior quarter.
- Operating return on average tangible common equity improved 283 basis points to 13.2%.
Explore Similar Insights
- Declared an annualized dividend of $0.95 per share, a 5% increase over prior year.
- For the first half of 2025, Nareit FFO was $72.6 million or $0.93 per diluted share, reflecting a 4.5% year-over-year increase; Core FFO was $0.90 per diluted share, up 3.4%.
- For the quarter, same-property NOI was $42.6 million, a 4.8% increase compared to the same period last year, driven by embedded rent escalations, occupancy gains, positive rent spreads, redevelopment activity, and percentage rents.
- Nareit FFO for Q2 was $35.5 million or $0.45 per diluted share, a 2.3% increase compared to Q2 last year; Core FFO also increased 2.3% to $0.44 per diluted share.
- Net leverage ratio stood at 17%, net debt to adjusted EBITDA was 2.8x on a trailing 12-month basis.
- Same property NOI grew approximately 6% for the first half of the year, with Nareit FFO per share rising nearly 5% year-over-year.
- The company ended the quarter with $787 million of total liquidity, including $500 million borrowing capacity under revolving credit.
- Weighted average interest rate was 4% with a weighted average maturity of 2.9 years.
- Year-to-date same-property NOI totaled $85.1 million, a 5.6% increase over the first 6 months of 2024.
- Expenses were elevated due to a $3.5 million lawsuit settlement but core expenses were around $111.5 million, expected to normalize next quarter.
- Home Bancshares reported record earnings of $118.4 million or $0.60 earnings per share in Q2 2025, with a return on assets of 2.08%, slightly up from Q1's $115.2 million and 2.07% ROA.
- Loan growth was solid, with CCFG portfolio growing by $122 million in Q2 and total loans funded around $1.1 billion.
- Loan loss reserve remained strong at 1.86%, Tier 1 capital at 15.6%, leverage ratio at 13.4%, and total risk-based capital at 19.3%.
- Non-GAAP earnings for the first six months of 2025 were $233.6 million, up over 15% from the prior year period.
- Tangible common equity grew by $1.36 billion or 11.25% over the past 12 months, from $12.08 billion to $13.44 billion.
- The company repurchased over 3 million shares worth about $86 million and paid $150 million in dividends over the past year.
- The non-GAAP return on tangible common equity was 18.26%, with GAAP ROTCE at 17.68%.
- Capital ratio ended the quarter at 26.6%, up from 24.4% at year-end, supported by strong earnings and no stock repurchases.
- Delinquencies declined to 1%, reflecting high-quality portfolio and strong loss mitigation capabilities.
- Net income was $198 million, including $269 million in pretax operating income.
- Operating expenses increased by only 6% while revenues grew 13% year-over-year in Servicing.
- Operating ROTCE was 17.2%, up from 16.8% last quarter, within the guidance range of 16% to 20%.
- Originations generated $64 million in pretax income despite elevated rates.
- Servicing generated $332 million in pretax income, up 15% year-over-year.
- Adjusted diluted earnings per share was $1.08, $0.09 above the high end of guidance, a 9% increase year-over-year.
- Adjusted EBITDA increased 8% with a margin of 35.7%, ahead of guidance due to stronger revenue flow-through.
- Consumer Lending and Auto segments grew double digits; Card & Banking grew mid-single digits.
- Emerging Verticals grew 5%, led by double-digit growth in Insurance; Consumer Interactive grew 2% organically.
- International revenue grew 6% on an organic constant currency basis, with India accelerating to 8%, and Canada and Africa growing double digits.
- Leverage ratio declined to 2.8x, with plans to delever to 2.5x before closing the Mexico acquisition expected by year-end.
- Mortgage revenue grew 29% despite flat inquiry volumes, modestly above expectations.
- Revenue grew 9% on an organic constant currency basis, surpassing the 3% to 5% guidance range; excluding mortgage, growth was 6.5%.
- Share repurchases totaled $47 million through mid-July, supporting disciplined capital deployment.
- TransUnion exceeded all key financial guidance metrics in Q2 2025, delivering high single-digit organic revenue growth for the sixth consecutive quarter.
- U.S. Markets segment revenue increased 10%, with Financial Services growing 17% and 11% excluding mortgage.
- Adjusted net income return on equity was 28.6% over the trailing 12 months.
- Auto insurance combined ratio was 86%, a 9.9 point improvement from the second quarter of 2024.
- Divestitures of Employee Voluntary Benefits and Group Health businesses generated $3.25 billion, representing a 25 times multiple of latest 12-month earnings.
- Homeowners business had an underlying combined ratio of 58.6 but was offset by $1.6 billion in catastrophe losses, leading to a combined ratio of 102 in the quarter.
- Investment income was $754 million in the quarter, representing a total return of 1.4% for the quarter and 5.4% for the last 12 months.
- Net income was $2.1 billion and adjusted net income was $1.6 billion or $5.94 per diluted share.
- Personal property-liability policies in force increased by 0.8 points.
- Property-Liability business generated nearly $1.3 billion of underwriting income with a combined ratio of 91.1%, a 10-point improvement from prior year quarter.
- Protection Services revenues were $867 million in the quarter, generating $60 million of income.
- Returned $1.1 billion in dividends and repurchased $445 million of common stock in the past year.
- Revenues were $16.6 billion in the second quarter, a 5.8% increase compared to the second quarter of 2024.
- Total policies in force increased by 4.2% over the prior year, led by Allstate Protection Plans.
- Adjusted net income was $33 million, excluding gains and losses from investment portfolios.
- Consumer spot trading volume was $43 billion, down 45%, and consumer trading revenue was $650 million, down 41%.
- Headcount increased 8% to just under 4,300 full-time employees.
- Institutional spot trading volume was $194 billion, down 38%, with institutional transaction revenue of $61 million, down 38%.
- Net income was $1.4 billion, including a $307 million expense from a data theft incident, a $1.5 billion unrealized gain on strategic investments, and a $362 million gain from crypto investment portfolio remeasurements.
- Operating expenses were $1.5 billion, including the $307 million data theft expense; excluding this, expenses declined 9%.
- Subscription and services revenues were $656 million, with growth in USDC, staking, custody, and Prime financing loan balances offset by asset price headwinds.
- Total revenue was $1.5 billion with positive adjusted EBITDA of $512 million.
Dafinchi