Dafinchi AI

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.

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.

Veris Residential, Inc.

VRE

2025 Q2

Financial Services

3mo

Financial Performance Summary

Controllable expenses decreased 3.7% year-over-year and were flat year-to-date, driven by lower marketing, administrative, and repairs and maintenance costs.
Net debt-to-EBITDA was 11.3x trailing 12 months, not reflecting recent asset sales and contracts.
Net income available to common shareholders was $0.12 per fully diluted share in Q2 versus $0.03 prior year and a net loss of $0.12 in Q1.
Non-controllable expenses were down 3.2% year-over-year and 2.6% year-to-date due to lower insurance and real estate tax expenses.
Same Store NOI grew 5.6% in the quarter and 4.4% year-to-date.
Same Store rental revenue was up 2.5% for the quarter, or 3.8% excluding Liberty Towers and other income recognized last year.
Second quarter Core FFO was $0.17 per share, up $0.01 from the first quarter, including $0.01 of nonrecurring other income and property management expense savings.
Weighted average effective interest rate was 4.86%, a reduction of over 20 basis points prior to the credit facility amendment.
Year-to-date Core FFO was $0.33 per share versus $0.32 last year.

Veris Residential, Inc.

VRE

2025 Q3

Financial Services

Financial Performance Summary

Blended net rental growth of 3.9% for Q3, outperforming the national market.
Controllable expenses grew 5.7% in Q3 but only 1.9% year-to-date due to technology investments and operational efficiencies.
Core FFO per share increased to $0.20 for the quarter, up $0.03 from Q2.
Liquidity stands at $274 million as of September 30.
Net debt-to-EBITDA ratio reduced by 14.5% since the start of the year to 10x, with weighted average coupon down 32 basis points to 4.8%.
Net income available to common shareholders was $0.80 per fully diluted share, compared to a loss of $0.10 last year.
Same-store NOI growth was 1.6% year-to-date but declined 2.7% for the quarter due to lapping favorable 2024 expenses and increased Jersey City tax rates.
Same-store revenue increased by 2.2% for both the quarter and year-to-date.

SmartFinancial, Inc.

SMBK

2025 Q3

Financial Services

Financial Performance Summary

Achieved sixth consecutive quarter of positive operating leverage.
Deposits increased 15% annualized, including a $179 million rise despite reducing brokered CDs.
Loans grew at a 10% annualized rate quarter over quarter.
Net interest margin compressed slightly by 4 basis points to 3.25% due to timing and funding costs.
Nonperforming assets remained low at 0.22% of total assets, with net charge-offs at 10 basis points annualized.
Operating noninterest expenses held steady at $32.6 million, maintaining expense discipline.
Reported operating earnings of $14.5 million or $0.86 per diluted share for Q3 2025.
Total operating revenue reached $50.8 million, surpassing the $50 million quarterly revenue target ahead of schedule.

Invesco Mortgage Capital Inc.

IVR

2025 Q2

Financial Services

3mo

Financial Performance Summary

Agency RMBS modestly outperformed treasury hedges but underperformed swap hedges due to tightening swap spreads.
Agency RMBS portfolio decreased 15% quarter-over-quarter due to risk management amid trade policy uncertainty.
Debt-to-equity ratio decreased from 7.1x at the end of March to 6.5x at the end of June.
Hedge notional declined from $4.5 billion to $4.3 billion, with hedge ratio increasing from 85% to 94%.
Levered gross ROEs on higher coupons are in the low 20s, representing an attractive entry point for mortgage investors.
Repurchase agreements collateralized by Agency RMBS and CMBS declined from $5.4 billion to $4.6 billion.
Swap spreads tightened significantly, negatively impacting book value during the quarter.
The $5.2 billion investment portfolio consisted of $4.3 billion in agency mortgages and $900 million in Agency CMBS.
The economic return for the quarter was negative 4.8%, consisting of a $0.34 dividend per common share and a $0.76 decline in book value per common share.

Walker & Dunlop, Inc.

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted EBITDA declined 5% and adjusted core EPS declined 7% due to a 100 basis point decrease in short-term rates impacting escrow earnings.
Capital Markets segment revenues grew 46% year-over-year with net income up 200% to $33 million and adjusted EBITDA up 116% to $1.3 million.
Cash balance ended at $234 million, supporting capital deployment and dividend payments.
GAAP earnings per share rose 48% year-over-year to $0.99, driven by economies of scale and significant noncash mortgage servicing rights (MSRs) booked.
No new loan defaults were recorded; credit quality remains strong with only 8 defaults in a $65 billion at-risk portfolio.
Quarterly dividend increased to $0.67 per share, marking seven consecutive years of dividend growth.
Servicing & Asset Management segment servicing fees increased 4% to $84 million, but total segment revenues declined 5% due to lower placement fees and investment management fees.
Walker & Dunlop reported a 65% year-over-year increase in total transaction volume to $14 billion in Q2 2025, more than doubling from Q1 2025.

Fulton Financial Corporation

FULT

2025 Q3

Financial Services

Financial Performance Summary

Deposits grew by $194 million, outpacing loan growth of $29 million for the quarter.
Efficiency ratio improved to 56.5%, reflecting strong expense discipline.
Net charge-offs declined to 18 basis points; non-performing assets improved to 0.63% of total assets.
Net interest margin increased 10 basis points to 3.57%, with loan yields rising to 5.93%.
Non-interest income was $70.4 million, representing 21% of total revenue, supported by wealth and consumer businesses.
Operating earnings of $101.3 million or $0.55 per share for Q3 2025.
Operating ROA was 1.29% and operating ROTCE was 15.79%, indicating strong profitability.
Total revenue reached an all-time high driven by net interest income growth and increased fee income.

UMB Financial Corporation

UMBF

2025 Q2

Financial Services

2mo

Net Income

$215.4 million

Our reported net income available for common shareholders of $215.4 million included $13.5 million of acquisition expense compared to $53.2 million in the first quarter.

Equitable Holdings, Inc.

EQH

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted book value per share ex AOCI and with AB ownership at market value was $40.89, up 11% year-over-year.
Adjusted non-GAAP operating EPS was $1.41, down 8% compared to the prior year, primarily due to elevated individual life mortality claims.
AllianceBernstein (AB) reported net outflows of $6.7 billion in Q2 but returned to net inflows in June; private markets AUM grew 20% year-over-year to $77 billion.
Assets under management and administration reached a record $1.1 trillion, up 5% year-to-date.
GAAP net loss was $349 million, impacted by notable items including a $74 million after-tax negative item in Protection Solutions.
Non-GAAP operating earnings were $352 million or $1.10 per share, down 23% year-over-year on a per share basis.
Wealth Management earnings increased 16% year-over-year with $2 billion of advisory net inflows and a 12% trailing 12-month organic growth rate.

U.S. Bancorp

USB

2025 Q3

Financial Services

Impact Finance Growth and Tax Benefits Post-Union Bank Acquisition

Impact Finance, bolstered by the Union Bank acquisition, grew at a 17% CAGR from 2021 to 2024 and is a core part of fee income.
The business has expanded its tax credit syndication capabilities, providing a net tax benefit that supports EPS growth.
Management anticipates additional growth from recent executive orders, especially in environmental, affordable housing, and community finance solutions.
Impact Finance's growth is driven by legislative support, market share gains, and strategic focus on renewable energy and low-income housing.
The segment's revenue and strategic importance have increased significantly, making it a key driver of the company's fee income and tax strategy.

Earnings Feed

Financial Performance Summary

Explore Similar Insights

Financial Performance Summary

Financial Performance Summary

Financial Performance Summary

Financial Performance Summary

Financial Performance Summary

Financial Performance Summary

Financial Performance Summary

Net Income

Financial Performance Summary

Impact Finance Growth and Tax Benefits Post-Union Bank Acquisition