Dafinchi AI

Northern Trust Corporation

NTRS

2025 Q3

Financial Services

Financial Performance Summary

Assets under custody and administration grew 5% year over year to $17 trillion, while assets under management increased 9% year over year.
Expenses increased 4.7% year over year, with positive operating leverage of 110 basis points and expense to trust fee ratio improving by 120 basis points to 112%.
Net interest income on an FTE basis was $596 million, down 3% sequentially but up 5% year over year, with net interest margin increasing to 1.7%.
Return on average common equity reached 14.8%, with a pretax margin expansion of nearly 200 basis points compared to the prior year.
Revenue increased 6% year over year, driven by favorable equity markets and well-managed expense growth.
Third quarter net income was $458 million with earnings per share of $2.29, reflecting a 14% increase year over year excluding notable items.
Trust and investment servicing fees totaled $1.3 billion, up 6% year over year, with wealth management fees up 5% and asset servicing fees up 6%.
Year to date, Northern Trust returned 110% of earnings to shareholders, including $431 million in the quarter through dividends and stock repurchases.

RenaissanceRe Holdings Ltd.

RNR

2025 Q2

Financial Services

3mo

Operating Return on Equity Beat

24%

We delivered a 24% operating return on equity this quarter and grew tangible book value per share by 10% year-to-date and over 20% over the past 12 months.

The Allstate Corporation

ALL

2025 Q2

Financial Services

2mo

Financial Performance Summary

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.

Wintrust Financial Corporation

WTFC

2025 Q2

Financial Services

3mo

Record Quarterly Net Income and Net Interest Income Achieved

Wintrust reported a record quarterly net income of $195.5 million, up from $189 million last quarter.
Net interest income also reached a quarterly record of $547 million, driven by broad-based loan growth of $2.3 billion.
Management emphasized the strong financial performance and consistent results aligned with expectations.

Hancock Whitney Corporation

HWC

2025 Q3

Financial Services

Financial Performance Summary

Capital ratios remain strong with tangible common equity (TCE) at 10.01% and common equity Tier 1 ratio at 14.08%.
Deposits declined by $387 million due to seasonal public fund activity; interest-bearing deposits decreased by $269 million.
Efficiency ratio improved to 54.1% from 54.91% last quarter, and year-to-date efficiency ratio is nearly 100 basis points better than last year.
Fee income grew 8% quarter-over-quarter to $106 million, driven by record insurance and annuity fees.
Loans grew $135 million or 2% annualized, with strong loan production up 6% quarter-over-quarter and 46% year-over-year.
Net interest income (NII) increased by $3 million or 1% quarter-over-quarter, with a stable net interest margin (NIM) at 3.49%.
Non-accrual loans increased modestly to $114 million; net charge-offs decreased to 19 basis points.
Return on Assets (ROA) improved to 1.46% from 1.32% a year ago, reflecting profitability improvement.

OFG Bancorp

OFG

2025 Q2

Financial Services

3mo

Financial Performance Summary

Capital ratios remained strong with CET1 at 13.99% and tangible common equity ratio at 10.20%.
Core revenues totaled $182 million, with total interest income of $194 million and interest expense of $42 million.
Net charge-offs were $13 million, down $7.6 million sequentially, with a net charge-off rate of 0.64%.
Net interest margin was 5.31%, slightly down from 5.42%, impacted by increased liquidity and wholesale funding.
Noninterest expenses were $94.8 million, in line with guidance of $95-96 million for 2025.
Record assets exceeded $12 billion and loans surpassed $8 billion, with strong loan origination and core deposit flows.
Return on average assets was 1.73% and return on average tangible common equity was 17%.
Second quarter earnings per share diluted was $1.15, a 6.5% increase year-over-year, driven by a 1.5% increase in total core revenue.
Tangible book value per share was $27.67, and efficiency ratio was 52%.

eXp World Holdings, Inc.

EXPI

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted EBITDA was $11.2 million, positive but down year-over-year, impacted by lower gross margin and strategic investments including severance costs.
Agent count was 82,704, down 5% year-over-year but up 1% sequentially quarter-over-quarter, with increased transactions per agent indicating higher productivity.
eXp World Holdings generated $1.3 billion in revenue in Q2 2025, with real estate sales volume up 1% year-over-year despite a 2% decrease in sales transactions.
International segment revenue grew 59% year-over-year, driven by increased productive agents and new market launches, though adjusted EBITDA loss increased due to expansion and events.
Non-GAAP gross margin was 12%, while GAAP gross margin was 7.1%, down 40 basis points from Q2 2024 due to more agents reaching their cap.
North America Realty segment remains the largest revenue and profit generator with $1.3 billion revenue and $19.8 million adjusted EBITDA in Q2.
Other affiliated services contributed modest revenue but had an adjusted EBITDA loss of $2.3 million.
The company ended Q2 with $94.6 million in cash, after paying $17 million of a $34 million antitrust litigation settlement.

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