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Wintrust Financial Corporation

WTFC

2025 Q2

Financial Services

3mo

Record Quarterly Net Income and Net Interest Income Achieved

Wintrust reported a record quarterly net income of $195.5 million, up from $189 million last quarter.
Net interest income also reached a quarterly record of $547 million, driven by broad-based loan growth of $2.3 billion.
Management emphasized the strong financial performance and consistent results aligned with expectations.

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.

Western Alliance Bancorporation

WAL

2025 Q2

Financial Services

3mo

Net Interest Income Beat

+7.2%

$698 million

Net interest income of almost $700 million, grew 7.2% quarter-over-quarter or nearly 29% annualized, driving PPNR up of $331 million for the quarter which equates to a 19% increase from Q1.

UWM Holdings Corporation

UWMC

2025 Q2

Financial Services

2mo

Financial Performance Summary

Adjusted EBITDA was $195.7 million.
Gain on sale margin increased to 113 basis points, up 19 basis points from Q1 2025.
MSR portfolio stood at $211.2 billion UPB with a weighted average coupon of 5.51%.
Net income was $314.5 million, including a $111 million decline in fair value of MSRs.
Purchase originations totaled $27.3 billion, marking the third-best purchase quarter ever and tracking to over $100 billion for the year.
Refinance volume doubled year-over-year to $12.4 billion, representing about 11% of the industry volume despite owning only 2% of the servicing market.
Total equity increased to $1.7 billion and cash position was $490 million with total available liquidity of $2.2 billion.
UWM reported $39.7 billion in production volume for Q2 2025, the best quarter since 2021 and nearly 20% higher than Q2 2024.

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.

Northern Trust Corporation

NTRS

2025 Q3

Financial Services

Financial Performance Summary

Assets under custody and administration grew 5% year over year to $17 trillion, while assets under management increased 9% year over year.
Expenses increased 4.7% year over year, with positive operating leverage of 110 basis points and expense to trust fee ratio improving by 120 basis points to 112%.
Net interest income on an FTE basis was $596 million, down 3% sequentially but up 5% year over year, with net interest margin increasing to 1.7%.
Return on average common equity reached 14.8%, with a pretax margin expansion of nearly 200 basis points compared to the prior year.
Revenue increased 6% year over year, driven by favorable equity markets and well-managed expense growth.
Third quarter net income was $458 million with earnings per share of $2.29, reflecting a 14% increase year over year excluding notable items.
Trust and investment servicing fees totaled $1.3 billion, up 6% year over year, with wealth management fees up 5% and asset servicing fees up 6%.
Year to date, Northern Trust returned 110% of earnings to shareholders, including $431 million in the quarter through dividends and stock repurchases.

Regions Financial Corporation

2025 Q2

Financial Services

3mo

Financial Performance Summary

Adjusted noninterest expense increased 4% linked quarter, mainly due to salaries and benefits.
Adjusted noninterest income increased 5% linked quarter, driven by mortgage, card, ATM fees, and wealth management.
Average deposits grew organically by more than 30% over the last 5 years, with growth in consumer checking, small business, and wealth management accounts.
Average loans remained stable, but ending loans grew in consumer and corporate banking.
Capital markets revenue grew at a 14% compounded annual growth rate since 2019.
Common equity Tier 1 ratio was 10.7%, with $144 million in share repurchases and $224 million in dividends paid during the quarter.
Net interest income increased 5% linked quarter, with expected full year growth of 3% to 5%.
Pretax pre-provision income increased 14% year-over-year to $832 million.
Provision expense was $13 million over net charge-offs; asset quality metrics improved with net charge-offs at 47 basis points.
Reported strong quarterly earnings of $534 million, with adjusted earnings of $538 million or $0.60 per share.
Return on tangible common equity was 19%, highest among peers for the last 4 years.
Treasury management revenue increased 8% year-to-date, and wealth management fee income reached a record quarter.

First Citizens BancShares, Inc.

FCNCA

2025 Q3

Financial Services

Financial Performance Summary

Adjusted net income was $587 million, driven by positive operating leverage and net revenue growth.
Deposits grew by $3.3 billion or 2% sequentially, marking the 7th consecutive quarter of deposit growth.
Loans increased by $3.5 billion or 2.5% sequentially, led by Global Fund Banking in SVB Commercial segment.
Net charge-offs increased to $234 million (65 basis points), including an $82 million charge-off related to First Brands bankruptcy.
Net interest income grew 2.3% sequentially, with headline NIM stable at 3.26%.
Reported adjusted earnings per share of $44.62, adjusted ROE of 10.62%, and adjusted ROA of 1.01%.
Tangible book value per share increased approximately 8% year-over-year and 2% sequentially despite $900 million in share repurchases during the quarter.

First Commonwealth Financial Corporation

FCF

2025 Q2

Financial Services

2mo

Financial Performance Summary

Core earnings per share of $0.38 surpassed consensus estimates by $0.03 and improved from $0.32 in the first quarter.
Core return on assets was 1.31%, core pretax pre-provision ROA was 1.95%, and core efficiency ratio was 54.1%.
Loan growth was strong at 8.1% annualized, broad-based across equipment finance, small business, commercial, indirect, and branch lending.
Net interest income increased by $10.7 million quarter-over-quarter to $106.2 million.
Net interest margin expanded from 3.62% to 3.83%, driven by improved loan yields, lower deposit costs, CenterBank acquisition, and roll-off of macro hedges.
Noninterest income increased by $2.1 million to $24.7 million, driven by mortgage, SBA, interchange, wealth, and other service charges.
Nonperforming loans increased by $40.1 million due to the floorplan credit and CenterBank acquisition; core credit metrics were neutral excluding these events.
Provision expense was $12.6 million, including $3.8 million CECL provision for CenterBank; excluding that, provision was $8.8 million with $2.6 million for a single commercial floorplan loan moved to nonaccrual.
Total deposits grew 9% year-to-date, reaching $10.1 billion, with strong performance in Community Pennsylvania and Ohio.

OceanFirst Financial Corp.

OCFC

2025 Q3

Financial Services

Financial Performance Summary

Asset quality strong with special mention and substandard loans down 15% to $124 million (1.2% of total loans).
Common equity Tier 1 capital ratio at 10.6%, tangible book value per share $19.52.
Net interest income grew by $3 million quarter-over-quarter, driven by $242 million increase in average net loans.
Net interest margin remained stable at 2.91%.
No share repurchases this quarter; capital deployed for loan growth.
Operating expenses were $76 million, including $4 million restructuring charges related to outsourcing residential loan originations.
Reported Q3 2025 earnings per share of $0.30 GAAP and $0.36 core basis.
Total loans increased by $373 million, representing a 14% annualized growth rate.

Regional Management Corp.

2025 Q2

Financial Services

2mo

Financial Performance Summary

30-day delinquency rate improved to 6.6%, down 50 basis points sequentially and 30 basis points year-over-year.
Book value per share reached $36.43 at quarter end.
Capital generation was $16.9 million in Q2, with $26.8 million year-to-date.
Net credit loss rate was 11.9%, improving 50 basis points sequentially and 80 basis points year-over-year.
Net receivables grew by $70 million sequentially and were up 10.5% year-over-year.
Operating expense ratio improved to 13.2%, an all-time best and 60 basis points better year-over-year.
Quarterly revenue reached a record $157 million, up 10% year-over-year.
Regional Management delivered net income of $10.1 million and diluted EPS of $1.03 in Q2 2025, a 20% year-over-year improvement.
Returned $17.6 million to shareholders year-to-date via $11.6 million in stock repurchases and $6.1 million in dividends.
Total originations hit a record $510 million, up 20% year-over-year.

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