Dafinchi AI

UVE

Financial Services

Adjusted diluted earnings per common share was $1.23 compared to $1.18 in the prior year quarter.
Adjusted return on common equity was 29.4%.
Core revenue of $400.9 million was up 5.7% year-over-year.
Direct premiums earned were $523.4 million, up 6.7% from the prior year quarter.
Direct premiums written were $596.7 million, up 3.2% from the prior year quarter.
Net combined ratio was 97.8%, up 1.9 points compared to the prior year quarter.
Net expense ratio was 25.5%, up 0.2 points compared to the prior year quarter.
Net loss ratio was 72.3%, up 1.7 points compared to the prior year quarter.
Net premiums earned were $360.2 million, up 4.4% from the prior year quarter.
The company repurchased approximately 287,000 shares at an aggregate cost of $7.4 million during the quarter.

CAC

Financial Services

Asset quality remained strong despite one commercial borrower filing for bankruptcy, with past due loans at eight basis points, net charge-offs at two basis points, and non-performing loans at 37 basis points.
Camden National Corporation reported strong second quarter 2025 earnings of $14.1 million, with diluted earnings per share of $0.83 and adjusted non-GAAP earnings of $15.2 million or $0.89 per share.
Loan growth was 1% during the quarter, primarily from commercial and home equity loans, with a robust $150 million committed loan pipeline, a 40% increase over last quarter.
Net interest margin expanded by two basis points to 3.06%, and the non-GAAP efficiency ratio improved to 55.5%, the lowest since 2022.
Noninterest income reached $13.1 million, beating prior guidance, while noninterest expense was $37.6 million, 15% lower than the first quarter.
Pretax pre-provision income excluding one-time merger-related expenses rose 13% from the prior quarter, reflecting early success in realizing cost synergies from the Northway acquisition.
Tangible common equity ratio increased to 6.77%, with tangible book value per share rising 3% to $26.9.
Total revenues grew 4% over the prior quarter to $62.3 million, driven by net interest income and noninterest income growth.

FRST

Financial Services

Core bank ROA was approximately 1.38%, supported by a low cost of deposits around 1.75%.
Core expenses normalized to approximately $21 million, with expected reductions from technology savings and amortization ending.
Net interest income would have been $27.5 million excluding interest reversals, up from $26.4 million in Q1 and $24.9 million a year ago.
Net interest margin (NIM) excluding consumer program effects was 3.15%, up from 3.13% last quarter and 2.80% a year ago.
Noninterest income was $10.6 million, driven primarily by increased mortgage revenue.
Pretax pre-provision earnings were about $8.4 million after adjustments for mortgage support costs and interest write-offs.
Primis Financial Corp. reported $8.4 million in net income or $0.34 per share for Q2 2025, including a $7.5 million pretax gain on a portion of its interest in PFH.
Provision expense was $1.2 million, with no provision required for the consumer program this quarter.

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