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Metropolitan Bank Holding Corp.

MCB

2025 Q2

Financial Services

3mo

Financial Performance Summary

Earnings per share (EPS) for the quarter was $1.76, a 21% increase from the prior quarter.
Net interest income increased by $6.7 million or about 10% quarter over quarter, driven by loan growth and lower funding costs.
Net interest margin (NIM) expanded by 15 basis points to 3.83%, marking the seventh consecutive quarter of margin expansion.
Non-interest expenses were flat at $43.1 million with some offsetting movements in payroll taxes, professional fees, IT project costs, licensing, and other expenses.
Non-interest expense was flat at $43.1 million, with some offsetting movements in compensation, professional fees, IT project costs, licensing, and other expenses.
Non-interest income declined by $1 million primarily due to a one-time income recognition in the prior quarter.
Provision expense increased to $6.4 million due to loan growth, macroeconomic factors, and a $2.4 million reserve for a single non-performing loan.
Second quarter loans increased by $271 million or 4.3%, and core deposits rose by $342 million or 5.3%.
Tangible book value per share increased by more than 4% to $68.44, the tenth consecutive quarter of book value accretion.
Total revenue grew 8% quarter over quarter to $76.2 million, and net income rose more than 15% to $18.8 million.
Total revenue grew 8% quarter over quarter to $76.2 million, with net income rising over 15% to $18.8 million.

OceanFirst Financial Corp.

OCFC

2025 Q2

Financial Services

3mo

Financial Performance Summary

A quarterly cash dividend of $0.20 per common share was approved, marking the 114th consecutive quarterly dividend.
Asset quality remained strong with classified loans decreasing 3% to $145 million or 1.4% of total loans.
Capital levels remained robust with a common equity Tier 1 capital ratio of 11% and tangible book value per share of $19.34.
Commercial and industrial loans increased 8% for the quarter.
Earnings per share were $0.28 on a fully diluted GAAP basis and $0.31 on a core basis for Q2 2025.
Net charge-offs were $2.2 million, primarily from two commercial credits and a small sale of nonperforming residential loans.
Net interest income grew by $1 million with net interest margin expanding by 1 basis point.
Operating expenses were $71 million, in line with expectations and previous guidance.
The company repurchased 1 million shares at a weighted average cost of $17.17 and redeemed $57 million of preferred stock.
Total loans increased by $60 million, representing a 2% annualized growth rate, driven by strong originations of $716 million.

Chimera Investment Corporation

CIM

2025 Q2

Financial Services

2mo

Financial Performance Summary

Compensation, general, administrative, and servicing expenses were marginally lower, with transaction expenses down by $5 million.
Earnings available for distribution were $32.1 million or $0.39 per share, and economic net interest income was $69 million.
Economic return on GAAP book value was 0.5% for the quarter and 9.8% year-to-date; economic net interest income return on average equity was 10.5%.
GAAP net income for Q2 2025 was $14 million or $0.17 per share, with GAAP book value at $20.91 per share.
Total leverage was 4.5:1, with recourse leverage at 1.8:1, increased due to higher investments in agency securities.
Yield on average interest-earning assets was 6%, average cost of funds was 4.5%, resulting in a net interest spread of 1.5%.

Claros Mortgage Trust, Inc.

CMTG

2025 Q2

Financial Services

2mo

Financial Performance Summary

CMTG reported a GAAP net loss of $1.30 per share and a distributable loss of $0.77 per share for Q2 2025.
Distributable earnings prior to realized losses were $0.10 per share, with REO investments contributing $0.01 per share net of financing costs.
Held-for-investment loan portfolio decreased to $5 billion from $5.9 billion due to loan resolutions.
Liquidity increased by $221 million since December 31, reaching $323 million as of August 5.
Loan resolutions totaled $1.9 billion UPB year-to-date with an 88% blended recovery rate.
Net debt-to-equity ratio improved from 2.4x to 2.2x in Q2 and further to 2.0x pro forma in Q3.

Community Bank System, Inc.

CBU

2025 Q2

Financial Services

3mo

Net Interest Income Beat

+14%

$124.7 million

The company's net interest income was $124.7 million in the second quarter. This represents a $4.5 million or 3.8% increase over the linked first quarter result and a $15.3 million or 14% improvement over the 2024.

The Hanover Insurance Group, Inc.

THG

2025 Q2

Financial Services

2mo

Financial Performance Summary

Book value increased 6% sequentially and 13.2% year-to-date, with ongoing share repurchases totaling $48.2 million in Q2 and July.
Combined ratio improved by approximately 7 points year-over-year, with ex-CAT combined ratio improving by 3 points.
Core Commercial combined ratio was 93%, with an ex-CAT combined ratio of 88.9%, and net written premium growth of 4.4%.
Net investment income increased 16.7% to $105.5 million, driven by higher earned yields and strong cash flows.
Operating earnings were $4.35 per diluted share with earnings growth of approximately 25% on an ex-CAT basis.
Operating ROE was 18.7%, a record for the second quarter.
Personal Lines showed strong profitability and balanced growth with 3.7% growth and 84.8% ex-CAT combined ratio.
Specialty segment achieved 4.6% net written premium growth and a mid-80s combined ratio, with strong profitability.

Fidelity National Financial, Inc.

FNF

2025 Q2

Financial Services

2mo

Financial Performance Summary

Commercial revenue in Title was strong, with $626 million in the first half of 2025, up 23% year-over-year.
F&G segment grew assets under management to $69.2 billion, up 13% year-over-year, with adjusted net earnings of $89 million, down from $122 million in Q2 2024.
FNF reported strong Q2 2025 results with total revenue of $3.6 billion and adjusted net earnings of $318 million, slightly down from $338 million in Q2 2024.
Personnel costs and other operating expenses increased by 10%, driven by active recruiting and strategic investments in security and technology.
The Title segment delivered adjusted pretax earnings of $337 million with a 15.5% margin, slightly below the 16.2% margin in Q2 2024 due to higher expenses.

Fiserv, Inc.

2025 Q2

Financial Services

3mo

Financial Performance Summary

Adjusted operating margin expanded to 39.6% in Q2, up 120 basis points from prior year.
Financial Solutions segment grew 7% organically in Q2, led by issuing and digital payments growth.
Fiserv delivered 8% adjusted and organic revenue growth in Q2 2025, with 16% adjusted EPS growth year-over-year.
Free cash flow was $1.2 billion in Q2 and $1.5 billion for the first half of 2025, with an expected full year of approximately $5.5 billion.
Merchant Solutions operating margin declined 200 basis points to 34.6% due to investments and acquisitions, while Financial Solutions margin expanded to 48.7%.
Merchant Solutions segment grew 9% organically in Q2, with 10% adjusted revenue growth, driven by Clover and Commerce Hub.
Share repurchases totaled $2.2 billion in Q2, with guidance increased to approximately 130% of free cash flow for 2025.

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