Dafinchi AI

LendingTree, Inc.

TREE

Financial Services

2w

Financial Performance Summary

Adjusted EBITDA rose 35% to $31.8 million compared to last year.
Consumer segment revenue grew 12% with segment profit up 19%.
Home segment revenue increased 25%, driven by a 38% rise in home equity revenue.
Insurance segment showed 21% year-over-year growth, with higher bids and budgets.
LendingTree reported Q2 revenue of $250 million, a 19% year-over-year increase.
Small business loan revenue surged 61%, and personal loan revenue increased 14%.
The company achieved profitability for the fifth consecutive period of year-over-year revenue growth.

Orrstown Financial Services, Inc.

ORRF

Financial Services

3w

Financial Performance Summary

Capital ratios increased quarter-over-quarter and the company remains well capitalized by all measures.
Cost of deposits declined by 12 basis points to 2.01%, and loan yields were impacted by lower purchase loan accretion.
Efficiency ratio improved to 58.7% in Q2 2025 from 60.5% in Q1 2025, excluding merger-related expenses.
Fee income increased by $1.3 million quarter-over-quarter, representing 21% of operating revenue, led by wealth management fees.
GAAP earnings were strong despite lingering merger-related expenses, with core earnings increasing.
Net interest margin (NIM) increased to 4.07% in Q2 2025 from 4.00% in Q1 2025, with potential for further upside.
Noninterest expense declined by approximately $600,000 in the quarter, including merger-related expenses and severance costs.
Normalized EPS reached 1.04, adjusted ROA was 1.51%, and adjusted ROE was 15.1%, placing the company near the top of its peer group.
Return on average assets was 1.51% and return on average equity was 15.12% for Q2 2025, up from 1.45% and 14.97% in Q1 2025 respectively.
Total loans grew to $3.93 billion with commercial loans growing 2% annualized; deposits declined by $117 million.

Horizon Bancorp, Inc.

HBNC

Financial Services

3w

Financial Performance Summary

Capital ratios and tangible book value per share increased linked quarter driven by improved profitability and strategic balance sheet repositioning.
Consumer loan balances decreased by $41 million due to strategic run down of indirect auto portfolio; residential mortgage lending modestly grew.
Credit quality remained strong with substandard loans at 1.29%, nonperforming loans at 54 basis points, and net charge-offs near $254,000 or 2 basis points for the quarter.
Horizon Bancorp reported strong second quarter 2025 earnings driven by core community banking franchise strength, significant net interest margin expansion, low net charge-offs of 2 basis points annualized, and improved ROAA and ROATCE metrics.
Loan growth was solid with net loans held for investment growing $75.5 million or 1.5% in the quarter and 6.2% annualized, led by commercial loans growth of $117 million (14.8% quarterly growth).
Net interest margin increased by 19 basis points to 3.23%, including 7 basis points of outsized interest recoveries; excluding recoveries, margin expanded driven by improved asset and liability mix and disciplined pricing.
Noninterest income was stable with seasonal strength in interchange fees and mortgage gain on sale; expenses were well managed at $39.4 million, with full year expense outlook now approximately flat versus 2024.
Reported earnings per share grew by 58% for the first six months of 2025 compared to the prior year.

Old Second Bancorp, Inc.

OSBC

Financial Services

3w

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.

PFBC

Financial Services

3w

Financial Performance Summary

Asset quality improved with decreases in nonaccrual loans, criticized loans, and past due loans.
Deposits remained flat, partly due to efforts to control deposit costs.
Loan growth was approximately 7% on an annualized basis in Q2, with early indications of increased loan demand in July.
Loan loss reserves are deemed sufficient to cover any exposures.
Net interest margin improved to 3.85% from 3.75% last quarter.
Preferred Bank reported a second quarter net income of $32.8 million or $2.52 per share, showing reasonable improvement from the previous quarter.
The bank repurchased $56 million of stock this quarter, which slightly impacted net interest income, PPNR, and net interest margin.

Stellar Bancorp, Inc.

STEL

Financial Services

3w

Return to Organic Loan Growth Driven by Market Conditions and M&A Activity

Loan originations nearly doubled in Q2 2025 compared to Q1, reaching $640 million, marking the highest level since 2022.
Pipeline remains healthy, supporting continued growth.
Market dynamics, including increased M&A activity in Texas, are creating opportunities for customer acquisition and talent recruitment amid some disruption.

Cathay General Bancorp

CATY

Financial Services

3w

Significant Loan Growth and Revised 2025 Guidance

Q2 2025 loan growth was strong, increasing by $432 million (8.9% annualized), driven by commercial, real estate, and residential loans.
Management revised the 2025 loan growth guidance upward to 3-4%, from the previous 1-4%, due to the strong Q2 performance.

CBZ

Financial Services

2w

Financial Performance Summary

Adjusted EBITDA increased by 128% or $66 million in the second quarter and more than doubled to $356 million in the first half.
Adjusted EBITDA margin was 17% in the quarter and 23% year-to-date, an increase of nearly 500 basis points versus last year.
Benefits and Insurance segment revenue was $102 million, up approximately 5%, with adjusted EBITDA up 21% and margin improving by 260 basis points.
Financial Services segment revenue was $570 million, up approximately 84%, with adjusted EBITDA more than doubling to $111 million and margin improving by 250 basis points.
Second quarter adjusted diluted earnings per share increased by 64% to $0.95 per share, and first half adjusted diluted earnings per share increased by 47% to $3.26 per share.
Second quarter interest expense was higher by $22 million compared to last year, driven by higher outstanding debt associated with the acquisition.
Second quarter revenue was $684 million, and first half revenue was $1.5 billion, a 63% and 66% increase, respectively, largely driven by the Marcum acquisition.
Second quarter tax expense was $7 million higher than last year, with an effective tax rate lower by approximately 240 basis points compared to last year.