Dafinchi AI

T. Rowe Price Group, Inc.

TROW

Financial Services

1w

Financial Performance Summary

Adjusted compensation and related costs of $662 million essentially flat to Q1 2025; technology, occupancy, and facility costs up 7% from Q1 2025.
Adjusted diluted earnings per share of $2.24 for Q2 2025 is in line with prior quarter's $2.23 and Q2 2024 EPS of $2.26.
Adjusted net revenue of $1.76 billion is flat to Q2 2024 and down marginally from Q1 2025.
Adjusted operating expenses of just over $1.1 billion, up 1% from Q1 2025 and 3.7% from Q2 2024.
Average equity AUM down 5% and overall average AUM down 2% from Q1 2025; effective fee rate lowered to 39.6 basis points due to mix shift and flows into lower-priced products.
Net outflows of $14.9 billion driven by U.S. equities, timing of client redemptions, and rebalancing activity coinciding with equity market snapback.
Positive net flows in fixed income, multi-asset, alternatives, and $2.5 billion net flows into ETF products.
Returned over $395 million to stockholders in first half of 2025, including $286 million in dividends and $109 million in share buybacks during Q2.

Primerica, Inc.

PRI

Financial Services

5d

Financial Performance Summary

Adjusted net operating income was $180 million in Q2 2025, up 6% year-over-year.
Consolidated insurance and other operating expenses increased 8% year-over-year to $154 million.
Diluted adjusted operating EPS increased 10% to $5.46.
Investment and Savings Product (ISP) segment revenues increased 14% to $298 million with pretax income up 6% to $79 million.
Mortgage business showed strong growth with U.S. closed loan volume up 33% and Canadian referral volume up 30%.
Term Life segment revenues rose 3% to $442 million with pretax income up 5% to $155 million.
Total sales in ISP segment grew 15% to $3.5 billion, with net inflows of $487 million versus $227 million prior year.

Euronet Worldwide, Inc.

EEFT

Financial Services

1w

Financial Performance Summary

Consolidated operating margins expanded by more than 112 basis points over prior year.
Digital transactions in Money Transfer grew 29%, and digital payout product volume increased 20% year-over-year.
EFT segment revenue grew 6%, with operating income and adjusted EBITDA in line with prior year results.
Ended Q2 with $1.3 billion in unrestricted cash and $2.4 billion in debt, with cash decrease mainly due to stock repurchases.
epay segment grew revenue 5%, operating income 17%, and EBITDA 15% year-over-year.
Euronet delivered revenue of $1.1 billion, operating income of $159 million, adjusted EBITDA of $206 million, and adjusted EPS of $2.56 in Q2 2025.
Higher interest expense and income taxes impacted EPS by about $0.05 each in Q2.
Money Transfer revenue, operating income, and adjusted EBITDA grew 6%, 33%, and 28%, respectively.
Money Transfer segment achieved 33% constant currency operating income growth year-over-year despite macro uncertainties.

Community Bank System, Inc.

CBU

Financial Services

3w

Financial Performance Summary

Allowance for credit losses was $81.9 million or 78 basis points of loans, covering over five times trailing net charge-offs.
Deposits increased 4.3% year over year but decreased 1.4% sequentially due to seasonal municipal deposit outflows.
GAAP earnings per share were $0.97, up 6.6% year over year and 4.3% sequentially.
Loans grew $98 million sequentially and $495.3 million year over year, driven by consumer indirect lending and business lending.
Net charge-offs were $5.1 million or 20 basis points annualized, elevated due to one CRE loan charge-off.
Net interest income was $124.7 million, up 14% year over year and 3.8% sequentially, marking the fifth consecutive quarter of growth.
Net interest margin increased 6 basis points to 3.3%.
Noninterest expenses increased 8.5% year over year, driven by salaries, data processing, restructuring charges, and branch expansion costs.
Nonperforming loans decreased sequentially and were stable year over year at about 50 basis points of total loans.
Operating earnings per share were $1.04, a record quarterly result, up from $0.95 a year ago and $0.98 last quarter.
Provision for credit losses was $4.1 million, higher than prior year but lower than last quarter.

Banc of California, Inc.

BANC

Financial Services

2w

Financial Performance Summary

Average loan yields increased to 5.93%, driven by higher-yielding loan categories and a 7.29% average rate on new loan production.
Banc of California reported net income of $18.4 million or $0.12 per share and adjusted net income of $48.4 million or $0.31 per share for Q2 2025.
Credit quality improved with declines in nonperforming loans, classified loans, and special mention loans as a percentage of total loans by 19, 46, and 115 basis points respectively.
Net charge-offs excluding loan sale impacts were 12 basis points of loans.
Net interest income increased 3.4% quarter-over-quarter to $240 million, with net interest margin expanding to 3.10%.
Noninterest expense was $185.9 million, slightly up from Q1 but below the target range of $190 million to $195 million per quarter.
Noninterest income was $32.6 million, down 3% from the prior quarter due to mark-to-market fluctuations on CRA-related equity investments and credit-linked notes.
Pretax pre-provision income grew 6% quarter-over-quarter driven by solid revenue growth outpacing a slight increase in expenses.
Tangible book value per share grew for the fifth consecutive quarter to $16.46.
Total annualized loan growth was 9%, supported by broad-based commercial loan production and loan originations of $1.2 billion, the highest since the merger.

Arbor Realty Trust, Inc.

ABR

Financial Services

1w

Financial Performance Summary

Agency originations were $857 million in Q2 with strong margins of 1.69%, and loan sales totaled $807 million; mortgage servicing rights income was $10.9 million.
Balance sheet lending portfolio grew to $11.6 billion with an all-in yield of 7.86%, while total debt on core assets was $9.6 billion with an all-in cost of 6.88%.
In Q2 2025, Arbor Realty Trust produced distributable earnings of $62.5 million or $0.30 per share excluding $10.5 million of onetime realized losses from REO asset sales, translating into a 10% ROE.
Leverage was reduced by 25% to a ratio of 3:1 from a peak of 4:1 nearly three years ago, aided by new unsecured rated debt issuance.
Loan loss reserves increased by $16 million in Q2, including $6.5 million specific reserves and $9.5 million general CECL reserves due to changes in real estate value outlooks.
Net interest income dropped from $75 million in Q1 to $69 million in Q2 due to increased delinquencies, less back interest collected, and reversals related to foreclosures.
Net interest spreads declined to 1.08% from 1.26% last quarter, impacted by back interest collection variability and new nonperforming loans.
Total delinquencies decreased to $529 million at June 30 from $654 million at March 31, with 60+ day delinquencies at $472 million and less than 60 days at $57 million.