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Southern Missouri Bancorp, Inc.

SMBC

2026 Q1

Financial Services

Financial Performance Summary

Diluted EPS was $1.38, down $0.01 from the prior quarter but up $0.28 year-over-year.
Net charge-offs were elevated at 36 basis points annualized but down from 53 basis points last quarter.
Net interest income increased 5.2% quarter-over-quarter driven by loan growth and margin expansion.
Net interest margin expanded to 3.57%, up 10 basis points quarter-over-quarter and 23 basis points year-over-year.
Noninterest expense decreased 3.6% quarter-over-quarter, aided by ASC 310-20 accounting changes.
Noninterest income declined 9.7% quarter-over-quarter due to lower loan fees and bank card interchange income.
Provision for credit losses increased to $4.5 million from $2.5 million last quarter due to macroeconomic outlook and loan growth.
Tangible book value rose 13.3% year-over-year to $43.35 per share.

Univest Financial Corporation

UVSP

2025 Q3

Financial Services

Financial Performance Summary

Deposits increased significantly by $635.5 million, largely due to seasonal public funds build of $473.2 million.
Loan outstandings contracted slightly by $15.7 million during the quarter despite solid loan production.
Net interest income and margin growth were primary drivers of improved profitability.
Net interest margin (NIM) was 3.17%, slightly down from 3.20% last quarter due to excess liquidity, but core NIM expanded by 9 basis points to 3.33%.
Noninterest expense rose 4.4% year-over-year, driven mainly by compensation costs and increased bank share, tax, and loan workout fees.
Noninterest income increased by $1.8 million or 8.8% compared to Q3 2024, including a $987,000 increase in BOLI death benefits.
Reported net income of $25.6 million or $0.89 per share, a 38% increase year-over-year.

Peoples Bancorp Inc.

PEBO

2025 Q2

Financial Services

3mo

Net Interest Income Beat

over $2 million

Our net interest income increased over $2 million while our net interest margin expanded three basis points, which includes reductions in accretion income of nearly $1 million.

Dynex Capital, Inc.

2025 Q2

Financial Services

3mo

Financial Performance Summary

Book value was nearly unchanged from quarter end after accrued dividends were accounted for.
Capital raised totaled $560 million this year, primarily through common equity issued above book value, accretive to shareholders.
Dynex Capital's market capitalization grew nearly 50% year-over-year to over $1.5 billion as of June 30, 2025.
Liquidity remained strong at $891 million, representing 55% of total equity.
Net interest income increased due to new investments with attractive yields and positive carry from agency RMBS and swaps.
ROEs on newly acquired positions, fully hedged, ranged from mid-teens to low 20% range.
The portfolio grew to $14 billion, a 25% increase from the prior quarter and over 50% from the prior year.

Stewart Information Services Corporation

STC

2025 Q2

Financial Services

3mo

Financial Performance Summary

Adjusted pretax margin improved 1% to 8.5%.
Agency gross revenues increased $61 million or 25%, net agent revenues up 21%.
Domestic commercial revenues increased $24 million or 46%, with average fee per file increasing 25% to $16,900.
Domestic residential fee per file slightly declined to $2,900 from $3,000 last year.
Employee cost ratio improved to 30% from 31%, other operating expense ratio improved to 25% from 26%.
Net cash provided by operations improved by $32 million compared to last year.
On an adjusted basis, second quarter net income was $38 million or $1.34 per diluted share compared to $25 million or $0.91 per diluted share last year.
Real estate solutions segment revenues improved $20 million or 22%, with adjusted pretax income 15% higher.
Stewart reported second quarter net income of $32 million or $1.13 per diluted share based on revenues of $722 million.
Title pretax income improved by $16 million or 48%, with adjusted pretax income $52 million, 35% better than last year.
Title segment operating revenues improved $96 million or 19%, driven by both direct and agency title operations.
Total cash and investments were approximately $390 million in excess of statutory premium reserve requirements.
Total stockholders' equity at June 30 was approximately $1.4 billion with a book value of $51 per share.
Total title loss expense increased slightly to $22 million, but title loss ratio improved to 3.6% from 4.2% last year.

The Bank of N.T. Butterfield & Son Limited

NTB

2025 Q2

Financial Services

2mo

Financial Performance Summary

Balance sheet remained liquid and conservatively positioned with deposits increasing to $12.8 billion, partly due to FX effects.
Butterfield reported net income of $53.3 million and core net income of $53.7 million in Q2 2025.
Core earnings per share were $1.26 with a core return on average tangible common equity of 22.3%.
Credit quality improved with negligible net charge-offs and nonaccrual loans decreasing to 2% of gross loans.
Net interest income before provision for credit losses increased to $89.4 million, driven by higher average interest-earning assets but offset by lower treasury yields.
Net interest margin (NIM) was 2.64%, a decline of 6 basis points from the prior quarter, partly due to early redemption of $100 million subordinated debt causing a 2 basis point one-time negative impact.
Noninterest expenses were $91.4 million, higher than the prior quarter's $98.3 million, influenced by FX impacts, increased incentive accruals, and lower prior quarter healthcare costs.
Noninterest income totaled $57 million, down $1.4 million linked quarter due to seasonal reductions in merchant and international money transfer volumes and foreign exchange revenue, partially offset by increased trust revenue.

First Horizon Corporation

FHN

2025 Q3

Financial Services

Financial Performance Summary

Adjusted EPS of $0.51, up $0.06 from the prior quarter, with adjusted return on tangible common equity increasing by 135 basis points to 15%.
Adjusted expenses increased by $45 million, primarily due to higher personnel costs, project expenses, technology, risk, and a $20 million contribution to the First Horizon Foundation.
Common Equity Tier 1 (CET1) capital ratio remained flat at 11%, with a near-term target of 10.75% following annual stress testing.
Deposit balances decreased by $52 million, driven by a $652 million decline in brokered CDs, offset by growth in index and promotional deposits and a $131 million increase in noninterest-bearing deposits.
Fee income increased by $26 million excluding deferred compensation, driven by higher fixed income fees and mortgage servicing rights sales.
Loan balances were slightly down, with mortgage company loans decreasing seasonally by $132 million, while C&I loans grew by $174 million quarter-over-quarter.
Net charge-offs decreased by $7 million to $26 million, with a net charge-off ratio of 17 basis points and a loan loss provision credit of $5 million.
Net interest income grew by $33 million with a 15 basis point expansion in net interest margin to 3.55%, aided by loan balance growth and Main Street lending accretion.

The PNC Financial Services Group, Inc.

PNC

2025 Q3

Financial Services

Financial Performance Summary

Deposits increased $9 billion or 2%, averaging $432 billion.
Loans grew by $3 billion or 1% sequentially to $326 billion.
Net charge-off ratio remained low at 22 basis points, with provision expense declining $87 million from prior quarter.
Net interest income (NII) grew 3% sequentially to $3.6 billion with a margin of 2.79%.
Non-interest expense increased 2% to $3.5 billion, mainly due to higher personnel and equipment costs.
Non-interest income rose 8% sequentially to $2.3 billion, driven by fee income growth of 9%.
Reported net income of $1.8 billion or $4.35 per share in Q3 2025.
Tangible book value per share increased 4% sequentially and 11% year-over-year to $107.84.

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