Dafinchi AI

Old Second Bancorp, Inc.

OSBC

2025 Q2

Financial Services

3mo

Financial Performance Summary

Allowance for credit losses increased to $43 million or 1.08% of total loans from $41.6 million or 1.05%.
Common equity Tier 1 was 13.77%, up from 13.47% last quarter.
Efficiency ratio adjusted for certain costs was 54.54%, improved from 55.48% last quarter.
Loan-to-deposit ratio was 83.3%, up from 81.2% last quarter but down from 87.9% a year ago.
Mortgage banking income was slightly up quarter-over-quarter excluding MSR mark-to-market volatility.
Net income was $21.8 million or $0.48 per diluted share in the second quarter.
Net interest margin improved 22 basis points year-over-year and decreased 3 basis points quarter-over-quarter.
Noninterest expense was $1.1 million less than prior quarter, with strong expense discipline.
Noninterest income grew with wealth management fees up 11.7% and service charges on deposits up 11.2%.
Return on assets was 1.53%.
Return on average tangible common equity was 15.29%.
Second quarter earnings were impacted by $531,000 MSR mark-to-market losses and $810,000 merger-related expenses.
Tangible equity ratio increased by 49 basis points from last quarter to 10.83%, and by 144 basis points year-over-year.
Tax equivalent efficiency ratio was 54.54%.
Total loans increased by $58.4 million from last quarter, driven by construction and lease portfolios.

EPR Properties

EPR

2025 Q2

Financial Services

2mo

Financial Performance Summary

AFFO for Q2 was $1.24 per share, up 3.3% from $1.20 in prior year.
Consolidated debt at quarter end was $2.8 billion with 86% fixed or swapped at blended coupon of ~4.3%.
FFO as adjusted for Q2 2025 was $1.26 per share, up 3.3% from $1.22 in prior year.
For the first half of 2025, FFO as adjusted was $2.45 per share, up 4.7% from $2.34 prior year; AFFO was $2.44 per share, up 4.7%.
G&A expenses increased to $13.2 million from $12 million due to higher payroll and franchise taxes.
Interest expense increased by $426,000 due to higher weighted average interest rate and additional borrowing.
Key credit ratios remain strong: fixed charge coverage at 3.3x, interest and debt service coverage at 3.9x, net debt to adjusted EBITDAre at 5.1x (5x adjusted), net debt to gross assets at 39%.
Liquidity strong with $13 million cash and $405 million drawn on $1 billion revolver.
Mortgage and other financing income increased by $1.9 million due to additional mortgage note investments.
Net proceeds from dispositions in Q2 totaled $35.6 million with a net gain of $16.8 million, excluded from FFO and AFFO.
Percentage rents increased to $4.6 million from $2 million prior year, primarily from one theater tenant.
Total revenue for Q2 was $178.1 million versus $173.1 million prior year, driven by rental revenue increase of $5.3 million and higher percentage rents.

Old National Bancorp

ONB

2025 Q2

Financial Services

3mo

Adjusted Earnings Per Share Beat

+18%

$0.53

Adjusted earnings per share were $0.53, an 18% increase over the prior quarter and a 15% increase year over year.

Evercore Inc.

EVR

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted compensation ratio improved to 65.4%, down 60 basis points year-over-year, while adjusted noncompensation expenses rose 9% due to technology and occupancy costs.
Adjusted operating income was $157 million, a 37% increase versus Q2 2024, with adjusted EPS of $2.42, up 34% year-over-year.
Advisory fees increased 23% year-over-year to $698 million, a record for the quarter.
Asset Management and Administration Fees grew 3% to $21 million, driven by market appreciation and net inflows.
Cash and investment securities totaled over $1.7 billion as of June 30, with positive cash flow and $532 million returned to shareholders in the first half through buybacks and dividends.
Evercore delivered adjusted net revenues of $839 million in Q2 2025, up nearly 21% year-over-year, marking record revenues for both the quarter and first half of the year.
GAAP net revenues, operating income, and EPS were $834 million, $150 million, and $2.36 per share respectively in Q2 2025.
Share repurchases totaled approximately 1.7 million shares year-to-date at an average price of $258.5 per share, fully offsetting dilution from RSU grants.
Underwriting revenues rose 4% to $32 million, commissions and related revenue increased 10% to $58 million.

The Bank of New York Mellon Corporation

2025 Q3

Financial Services

Financial Performance Summary

Assets Under Management (AUM) remained flat at $2.1 trillion, reflecting higher market values offset by net outflows.
Earnings per share increased 25% year over year to $1.88, or $1.91 excluding notable items.
Expenses increased 4% year over year, reflecting higher investments, merit increases, and revenue-related expenses, partially offset by efficiency savings.
Firm-wide Assets Under Custody and Administration (AUCA) grew 11% year over year to $57.8 trillion.
Net interest income rose 18% year over year to $1.2 billion, driven by reinvestment at higher yields and balance sheet growth.
Pretax margin improved to 36%, with return on tangible common equity at 26%.
Reported record revenue of $5.1 billion, up 9% year over year.
Security Services and Markets and Wealth Services segments showed double-digit revenue growth, while Investment and Wealth Management revenue declined 3%.

Welltower Inc.

WELL

2025 Q2

Financial Services

2mo

Financial Performance Summary

Debt to net debt to adjusted EBITDA ratio improved to below 3 times, the lowest leverage level in company history, with interest coverage over six times.
Expense growth in seniors housing operating portfolio was subdued at 0.2% year over year, contributing to margin expansion of 330 basis points to 30.7%.
Liquidity increased to $9.5 billion with modest upcoming debt maturities.
Long-term post-acute portfolio same-store NOI grew 2.7% year over year with EBITDAR coverage of 1.9 times.
Net income attributable to common stockholders was $0.45 per diluted share.
Senior housing operating portfolio posted 23.4% same-store NOI growth and 10% organic revenue growth driven by 420 basis points occupancy gains.
Senior housing triple net portfolio same-store NOI increased 5.1% year over year with trailing twelve-month EBITDAR coverage at 1.19 times.
Total portfolio same-store net operating income (NOI) increased 13.8% year over year, led by seniors housing operating portfolio growth exceeding 20% for the eleventh consecutive quarter.
UK portfolio showed 27% same-store NOI growth and 600 basis points occupancy increase, reflecting strong demand and favorable positioning.
Welltower Inc. reported strong second quarter 2025 financial results with normalized funds from operations (FFO) per diluted share of $1.28, representing 21.9% year-over-year growth.

Morgan Stanley

2025 Q3

Financial Services

Financial Performance Summary

Bank lending balances rose sequentially to $174 billion, supporting net interest income growth to $2 billion.
Institutional Securities revenues were $8.5 billion, driven by strong investment banking and equities performance.
Investment Management reached a record $1.8 trillion in assets under management (AUM) with $1.7 billion in revenues.
Morgan Stanley reported record revenues of $18.2 billion and EPS of $2.80 for Q3 2025.
Net new assets totaled $81 billion, with fee-based flows exceeding $40 billion for the second consecutive quarter.
Return on tangible common equity (ROTCE) was strong at 23.5%, reflecting operating leverage.
Total client assets increased by $1.3 trillion year-over-year to $8.9 trillion.
Wealth Management achieved record revenues over $8 billion with a 30.3% margin.

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