Dafinchi AI

Trustmark Corporation

TRMK

2025 Q2

Financial Services

3mo

Financial Performance Summary

Capital ratios increased: CET1 ratio up 7 basis points to 11.7%, total risk-based capital ratio up 5 basis points to 14.15%.
Credit quality improved with nonperforming assets declining 5.3% and net charge-offs at $4.1 million or 12 basis points of average loans.
Deposit base grew $35 million during the quarter with personal and commercial deposits totaling $13 billion, up 0.8% from prior quarter.
Loans held for investment increased $223 million or 1.7% linked quarter and $374.8 million or 2.9% year-to-date.
Net income was $55.8 million in Q2, with fully diluted EPS of $0.92, up 4.5% from prior quarter.
Net interest income expanded 4.3% to $161.4 million, with net interest margin increasing 6 basis points to 3.81%.
Noninterest expense increased 0.9% linked quarter, with lower salaries and equipment expense offset by higher professional fees.
Noninterest income was $39.9 million, unchanged linked quarter excluding gains/losses on bank facility sales.
Provision for credit losses was $4.7 million; allowance for credit losses was 1.25% of loans held for investment.
Quarterly cash dividend declared at $0.24 per share payable September 15.
Repurchased $11 million of common stock in the quarter, $26 million year-to-date, with $74 million remaining in repurchase authority.
Return on average assets was 1.21% and return on average tangible equity was 13.13%.
Tangible book value per share was $28.74, up 3.5% linked quarter and 13.9% year-over-year.

Pebblebrook Hotel Trust

PEB

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted EBITDA was $117 million, $6.5 million above midpoint.
Adjusted FFO was $0.65 per share, $0.06 ahead of midpoint.
Business interruption proceeds from LaPlaya insurance claims were $1.5 million above outlook, totaling $3.2 million.
Ended Q2 with $267 million cash on hand, $49 million increase from last quarter; $640 million revolver availability.
Energy costs decreased 2.1% due to efficiency efforts.
Excluding Los Angeles and adjusting for last year's tax credits, same-property hotel EBITDA increased by $2.5 million year-over-year.
Hotel expenses excluding fixed costs rose 1.7% year-over-year; expenses per occupied room declined 0.8%.
Invested $21 million in portfolio during the quarter; on track for $65 million to $75 million in 2025.
LaPlaya resort fully restored; full year BI income forecast increased to $11.5 million from $8.5 million.
Los Angeles caused a $2.2 million EBITDA headwind, about $700,000 more than anticipated.
Newport Harbor Island Resort outperformed expectations with a $1.8 million EBITDA beat.
Out-of-room revenues at resorts rose 3.3%, led by food and beverage growth of 2.5%.
Portland RevPAR climbed 10.4%, San Diego urban hotels posted 8.6% RevPAR growth.
Property insurance renewal reduced premiums by roughly 10% with a 13% rate drop and 4% increase in insurable values.
Resort total RevPAR increased 0.6% with a 1-point occupancy gain offsetting a nearly 3% ADR decline.
Same-property hotel EBITDA totaled $115.8 million for the quarter, $1.8 million ahead of midpoint.
Same-property total property RevPAR grew 1.3% year-over-year; excluding Los Angeles, RevPAR rose 2.7%.
Same-property total revenues grew 1.3%, 2.7% excluding Los Angeles.
San Francisco led with a 15.2% RevPAR increase, driven by occupancy gains and strong business and leisure demand.
Urban portfolio RevPAR increased 1.7% overall and 4.1% excluding Los Angeles.
Weighted average interest cost is 4.2%, with 90% to 96% of debt fixed.

Enact Holdings, Inc.

ACT

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted return on equity was 13.4%, with insurance in force increasing 1% year-over-year to $270 billion.
Enact reported adjusted operating income of $174 million and adjusted earnings per diluted share of $1.15 for Q2 2025.
Investment income was $66 million, up 5% sequentially and 10% year-over-year, with new money investment yield exceeding 5%.
Loss ratio for the quarter was 10%, with losses of $25 million and a reserve release of $48 million driven by favorable cure performance.
New insurance written was $13 billion, up 35% sequentially but down 3% year-over-year.
Operating expenses were $53 million, flat year-over-year excluding restructuring charges, with an expense ratio of 22%.
Persistency was 82%, down 2 points sequentially and 1 point year-over-year.
Total net premiums earned were $245 million, flat sequentially and up modestly year-over-year.

Plymouth Industrial REIT, Inc.

PLYM

2025 Q2

Financial Services

2mo

Financial Performance Summary

Closed $204 million in acquisitions including the Ohio Light industrial portfolio, acquired at a 6.7% initial yield with in-place rents approximately 22% below market.
Occupancy increased sequentially, with an expected year-end same-store occupancy near 96.5%.
Plymouth Industrial REIT reported strong leasing activity with over 1.4 million square feet commenced in Q2 2025, totaling nearly 6 million square feet year-to-date.
Same-store NOI grew 4.1% on a cash basis, supported by strong rent growth and renewal activity.
Share repurchases totaled over 805,000 shares in the quarter plus 225,000 shares post quarter-end.

A-Mark Precious Metals, Inc.

AMRK

2025 Q4

Financial Services

1mo

Q4 Gross Profit Increase

90%

$81.7 million, up 90%

Q4 gross profit increased 90% to $81.7 million or 3.25% of revenue, primarily due to acquisitions of SGB, SGI, Pinehurst, and AMS.

Western Alliance Bancorporation

WAL

2025 Q2

Financial Services

3mo

Financial Performance Summary

Asset quality remained stable with criticized loans declining $118 million, though other real estate owned increased by $167 million due to repossession of office properties.
Capital ratios remained strong with CET1 at 11.2% and adjusted capital ratio at 11%, above peer median.
Efficiency ratio improved to 52% from 56% in Q1, reflecting positive operating leverage.
Net interest income grew 7.2% quarter-over-quarter to nearly $700 million, with net interest margin rising 6 basis points to 3.53%.
Noninterest expense rose 3% to $515 million, mainly due to seasonal deposit cost increases.
Noninterest income increased 16.4% to $148 million, driven by mortgage banking revenue of approximately $78 million.
Provision expense was $40 million, reflecting organic loan growth and net charge-offs of approximately $30 million.
Tangible book value per share increased 15% year-over-year to $55.87, with return on average tangible common equity at 14.9% and return on average assets at 1.1%.
Western Alliance delivered strong Q2 2025 results, exceeding expectations with over $1 billion sequential loan growth and nearly $2 billion deposit growth.

Chubb Limited

2025 Q2

Financial Services

3mo

Financial Performance Summary

Adjusted net investment income was nearly $1.7 billion, up 8%, with a fixed income portfolio yield of 5.1% and new money rate averaging 5.4%.
Annualized core operating return on tangible equity was 21%.
Core operating EPS was a record $6.14, up 14% from a year ago, supported by record underwriting, strong investment results and good premium revenue growth.
Core operating income of $2.5 billion was a record result, up 13%.
Current accident year underwriting income, excluding cats, was up almost 11.5%, supported by a combined ratio of 82.3%, nearly a full point improvement from prior year.
Global P&C premiums grew 5.8% and 6.4% in constant dollars, with commercial up 4.2% and consumer up 11.9%.
International general insurance premiums were up 8.5% or over 10% in constant dollar, with Asia growing over 12.5%, Europe over 8%, and Latin America over 17%.
Life division produced $305 million of pretax income, up about 10.5%.
Life Insurance premiums grew almost 17.5%.
North America P&C premiums, excluding agriculture, were up 5.3%, with personal insurance up 9.1% and commercial up 4.1%.
Operating cash flow in the quarter was $3.2 billion.
Pretax catastrophe losses were $630 million for the quarter, split 60% U.S. and 40% international.
Pretax prior period development was favorable $319 million, mostly short tail commercial property-related lines and personal auto.
Published underwriting income of $1.6 billion was up 15% from a year ago, leading to a combined ratio of 85.6%, more than 1 percentage point better than a year earlier.
Renewal retention on a policy count basis was 86%.
Tangible book value growth was up 23.7% per share from a year ago and 8% from the previous quarter.

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