Core Insights - AtlasClear Holdings, Inc. reported significant growth in October 2025, with revenue increasing by 128% year-over-year and net income rising by 169% [1][3][6] Financial Performance - October 2025 revenue reached $3,051,661, a 113% increase compared to $1,433,626 in October 2024 [6] - Net income for October 2025 was $940,268, up 169% from $349,447 in October 2024 [6] - Net capital as of October 31, 2025, was $14,935,193, reflecting a 40% year-over-year increase from $10,641,242 as of October 31, 2024 [6] Operational Highlights - Wilson-Davis, a subsidiary of AtlasClear, experienced elevated client activity and strong operating leverage, marking one of the strongest months since its acquisition [2][3] - The company is focused on building a modern, technology-forward clearing and banking platform, which is expected to drive future growth [3][4] Strategic Outlook - The management expressed confidence in the company's growth strategy and the opportunities ahead for 2026 and beyond, supported by recent financing and an improving capital position [3][4]

Company Overview - AtlasClear Holdings, Inc. is a technology-driven provider focused on modernizing trading, clearing, settlement, and banking for emerging financial institutions and fintechs [5] - The company operates through its subsidiary Wilson-Davis & Co., Inc., a full-service correspondent broker-dealer, and is in the process of acquiring Commercial Bancorp of Wyoming [5] Upcoming Presentation - AtlasClear's Executive Chairman John Schaible and President Craig Ridenhour will present at NobleCon21 on December 2-3, 2025 [1][2] - The presentation will outline the company's integrated clearing, custody, banking, and digital asset strategy, emphasizing its growth and market opportunities [2] Financial Position - AtlasClear is entering a new growth phase with positive equity and a strengthened capital position [2] - The company is expanding its correspondent clearing pipeline, indicating a robust outlook for future operations [2] Event Details - The presentation is scheduled for December 3, 2025, at 12:30 PM Eastern Time [3] - Leadership will be available for one-on-one meetings with investors during the event [3] Webcast Information - A high-definition video webcast of the presentation will be available the following day on the company's website and other platforms, archived for 90 days [4]

Financial Data and Key Metrics Changes - AtlasClear reported revenue of $4.25 million for Q1 2026, representing a 52% increase year over year [6][9] - Operating loss narrowed to $877,000 from $941,000 in the prior year [6][9] - Net loss was $440,000 compared to a net income of $10.7 million in the same period last year, which included non-cash gains from fair value adjustments [6][9] - Total assets grew to $73.6 million, up 21% from June 30 [6][9] - Stockholders' equity improved to $6.86 million from a negative $6.8 million three months prior, marking a swing of over $13 million [4][9] Business Line Data and Key Metrics Changes - The subsidiary Wilson-Davis & Co. continued to show profitability with strong commission, clearing, and stock loan results [5][6] - Revenue components included commissions of $2.33 million, vetting fees of $0.37 million, clearing fees of $0.71 million, and other revenues of $0.83 million [9] Market Data and Key Metrics Changes - The market for smaller financial institutions remains dynamic, with a focus on efficient clearing, funding, and technology infrastructure [5] - AtlasClear is positioned to capitalize on the growing demand for technology-driven clearing and banking solutions [13] Company Strategy and Development Direction - The company aims to leverage its strengthened balance sheet and new growth funding to integrate its technology stack and expand stock loan and margin lending programs [12] - Plans include advancing the acquisition of Commercial Bancorp, which will provide low-cost funding and a regulated bank charter [12] - The company is focused on enhancing technology and pursuing selective M&A opportunities to broaden client reach and product capabilities [12][13] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to grow without significant dilution from the recent financing [17][18] - The company is optimistic about the regulatory approval process for the Commercial Bancorp acquisition and sees it as a strategic asset for future growth [26][27] - Management highlighted the importance of digital assets and plans to integrate them into their offerings, viewing 2026 as a pivotal year for crypto-related revenues [22][25] Other Important Information - The company secured $20 million in new institutional financing, which includes convertible notes and equity units, enhancing liquidity and growth potential [4][12] - The leadership team has been strengthened with the addition of a new CFO and an independent director [7] Q&A Session Summary Question: Can you elaborate on the $20 million Funicular financing and its structure? - The financing includes a convertible note with an 11% coupon and a unit offering comprised of equity and warrants, which is expected to support growth without significant dilution [17][18] Question: Can you provide an update on compliance with NYSE listing requirements given the share price is below a dollar? - The company is compliant with NYSE American standards, which do not have a dollar threshold, allowing continued growth without immediate concerns [19][20] Question: What is the company's digital asset strategy going forward? - Digital assets are a primary focus, with plans to integrate them into the platform and potential acquisitions in the space to enhance offerings [22][25] Question: Can you provide an update on the Commercial Bancorp acquisition and regulatory progress? - The company plans to file with the Fed for approval by January 31 and is optimistic about the integration and long-term goals post-acquisition [26][27][30]

Core Insights - AtlasClear Holdings reported significant financial improvements in Q1 FY2026, achieving positive stockholders' equity and securing $20 million in financing, which alleviated previous liquidity concerns [4][5][7] - The company is experiencing operational growth across its business lines, particularly in correspondent clearing and stock loan platforms, with expectations for continued revenue growth in 2026 [4][6] Financial Highlights - Revenue for the quarter reached $4.25 million, a 52% increase year-over-year from $2.8 million in Q1 FY2025 [7] - Operating loss improved to $(877,000) from $(941,000) in the prior-year period, while net loss was $(440,000), a significant change from net income of $10.7 million in Q1 FY2025 [7] - Total assets increased to $73.6 million, up 21% from $60.9 million at June 30, 2025, and stockholders' equity was positive at $6.86 million compared to a deficit of $(6.8) million [7] Operational and Corporate Highlights - The company signed its third correspondent clearing customer, which is expected to contribute to revenues in 2026 [6][7] - A partnership with LocBox is expanding to include digital asset loans and management platforms in fiscal 2026 [7] - The management team has been strengthened with the appointment of Sandip Patel as CFO/GC and Steven Carlson as Independent Director [7]

Summary of AtlasClear Holdings Conference Call Company Overview - **Company Name**: AtlasClear Holdings (NYSEAM: ATCH) - **Industry**: Financial Services, specifically focused on correspondent clearing and fintech solutions for small and medium-sized financial institutions [1][3][4] Core Business Model - **Business Model**: Developing a technology-enabled financial services platform that provides custody, clearing, and settlement services for small broker-dealers, family offices, and hedge funds [4][5] - **Target Market**: Small and medium-sized financial institutions that have been underserved by larger clearing firms [5][10] Strategic Acquisitions - **Acquisition of Wilson-Davis & Co.**: A correspondent clearing firm acquired in February 2024, which has been performing well and is expected to enhance service offerings [8][9][25] - **Upcoming Acquisition**: Planning to acquire Commercial Bancorp of Wyoming, a Federal Reserve member bank, with an application to be filed within 90 days [9][10][15] Market Opportunity - **Market Size**: Targeting financial institutions with assets up to $1 billion, indicating a large fragmented market with significant growth potential [10][11] - **Demand Drivers**: Increased fintech adoption and the need for modern financial infrastructure among smaller institutions [10][12] Financial Performance - **Recent Performance**: Reported a tripling of revenue and a 733% increase in net income year-over-year as of September [25] - **Stock Valuation**: Management believes the current stock price does not reflect the company's performance and potential, indicating it is undervalued [16][17] Technology and Innovation - **Technology Integration**: Emphasizing the importance of technology in improving efficiency and effectiveness in financial services [19][25] - **Lockbox Technology**: Highlighted as a key component for enhancing stock loan services, with significant month-over-month revenue growth [25][26] Management Team - **Experienced Leadership**: The management team has extensive experience in fintech, with a history of building and selling multiple financial services companies [18][19][20] - **Board of Directors**: Composed of industry veterans with significant expertise in finance and technology, enhancing the company's strategic direction [20][21][22] Future Plans - **Growth Strategy**: Plans to grow both organically and through strategic acquisitions, with a focus on expanding service offerings and market share [10][28] - **International Expansion**: Considering opportunities in international markets, particularly in Latin America, where services can be offered at competitive prices [29] Challenges and Risks - **Regulatory Approval**: The acquisition of Commercial Bancorp of Wyoming is subject to regulatory approval, which poses a risk [11][15] - **Legacy Infrastructure**: The company aims to address the challenges posed by outdated financial systems that limit growth for smaller institutions [12][13] Conclusion - **Investment Opportunity**: AtlasClear Holdings presents a compelling investment opportunity in the fintech space, targeting an underserved market with a strong management team and a clear growth strategy [16][17][28]

Core Insights - AtlasClear Holdings, Inc. is set to present at the ThinkEquity Conference on October 30, 2025, at 4:30 p.m. ET, highlighting its progress and near-term priorities [1][3] - The company aims to modernize trading, clearing, settlement, and banking for small- and middle-market financial institutions through a technology-enabled financial services platform [3] Company Overview - AtlasClear Holdings is building a cutting-edge financial services platform that integrates brokerage, clearing, risk management, regulatory reporting, and commercial banking solutions [3] - The company combines industry expertise with established infrastructure through its subsidiary Wilson-Davis & Co., Inc., a full-service correspondent securities broker-dealer, and its planned acquisition of Commercial Bancorp of Wyoming [3] - The leadership team includes veterans from notable firms such as ICE Clear, Legent Clearing, and StoneX, indicating strong industry experience [3] Conference Details - John Schaible, Executive Chairman, and Craig Ridenhour, President, will deliver the presentation and are available for one-on-one meetings with investors [2] - A live webcast of the presentation will be accessible, with a replay available for a limited time [2]

Core Insights - AtlasClear Holdings, Inc. reported strong financial results for its subsidiary Wilson-Davis & Co., with significant improvements in revenue, net income, and net capital [1][2][6] Financial Performance - For Q1 FY2026, Wilson-Davis reported a revenue of $4,253,741, representing a 51% year-over-year increase [6] - The net income for the same period was $900,475, marking a 49% year-over-year increase [6] - Net capital increased to $12,281,941, a 7% rise compared to July 31, 2025 [6] - September alone saw a remarkable 154% year-over-year increase in monthly revenue [2] Strategic Initiatives - The company aims to grow both organically and through targeted acquisitions, supported by a recently announced $20 million financing [2] - The financing has helped resolve legacy financial issues from the company's de-SPAC process in February 2024, positioning it for a successful 2026 [2] - AtlasClear is planning to acquire Commercial Bancorp of Wyoming, which will enhance its service offerings in banking and financial products [3] Company Overview - AtlasClear Holdings is focused on modernizing trading, clearing, settlement, and banking for small- and middle-market financial institutions [3] - The company combines its subsidiary Wilson-Davis & Co. with its planned acquisition of Commercial Bancorp to deliver a comprehensive suite of financial services [3] - The leadership team consists of industry veterans with extensive experience in financial services [3]

Summary of Atlas Clear Holdings Conference Call (October 22, 2025) Company Overview - **Company Name**: Atlas Clear Holdings - **Ticker Symbol**: ATCH - **Industry**: Financial Services, Fintech - **Market Position**: Aiming to build a technology-enabled financial services platform to modernize trading, clearing, settlement, and banking for small to mid-sized financial institutions [1][6][9] Key Market Data - **Stock Price**: $0.40 as of October 14, 2025 - **Shares Outstanding**: Approximately 127 million - **Market Capitalization**: Over $50 million - **Average Daily Trading Volume**: Approximately 58 million shares [11][12] Core Business Strategy - **Target Market**: Underserved small to mid-sized financial institutions, including broker-dealers, hedge funds, and family offices [10][20] - **Mission**: To empower smaller financial institutions with technology and efficiency comparable to larger firms like Pershing and Fidelity [9][10] - **Key Offerings**: Integrated platform for trading, clearing, settlement, custody, and future banking services [14][15] Growth and Expansion Plans - **Strategic Acquisitions**: Recently acquired Wilson Davis and Company; plans to acquire Commercial Bancorp of Wyoming to enhance banking capabilities [16][41] - **Market Focus**: Targeting financial services firms with revenues up to $1 billion, which are historically underserved by larger clearing services [20] - **Future Plans**: Aiming for organic growth and selective acquisitions, including potential expansion into crypto and international markets by 2027 [52][54] Financial Performance and Projections - **Debt Management**: Successfully reduced debt from approximately $53 million to over $45 million; new financing includes $20 million in convertible debt with a floor of $0.75 [55][56] - **Revenue Growth**: Anticipated growth in correspondent clearing, underwriting, and stock loan services; reported a 42% month-over-month increase in stock loan transactions [58][59] - **Profitability Target**: Aiming for profitability by 2026 through scaling operations and adding new clients [62][63] Technology and Competitive Advantage - **Technology Differentiation**: Emphasizes flexibility and speed in product development compared to larger competitors; claims superior technology in certain aspects [68][70] - **Operational Efficiency**: Focus on automation and real-time data analytics to enhance scalability and reduce operational costs [26][69] Leadership and Management - **Experienced Leadership Team**: Comprised of industry veterans with extensive backgrounds in fintech and financial services [30][31][32] - **Board of Directors**: Includes experts in clearing, settlement, and trading, enhancing the company's strategic positioning [35][36][37] Challenges and Market Conditions - **Legacy Infrastructure Issues**: Identifies challenges posed by outdated systems that hinder growth for smaller financial institutions [23][24] - **Regulatory Environment**: Plans to navigate regulatory approvals for banking operations and digital asset custody [65][66] Conclusion - **Outlook**: Atlas Clear Holdings is positioned for significant growth in the financial services sector, targeting underserved markets with a scalable and integrated technology platform. The company is focused on strategic acquisitions, improving operational efficiency, and enhancing profitability by 2026 [19][60][62]

Core Viewpoint - AtlasClear Holdings, Inc. will present at the Emerging Growth Conference on October 22, 2025, discussing its growth strategy, technology platform, and recent milestones [1][2]. Company Overview - AtlasClear Holdings is a technology-enabled financial services platform focused on modernizing trading, clearing, settlement, and banking for small- and middle-market financial institutions [5]. - The company combines industry expertise with longstanding infrastructure through its subsidiary Wilson-Davis & Co., Inc., a full-service correspondent securities broker-dealer, and its planned acquisition of Commercial Bancorp of Wyoming [5]. Conference Details - The Emerging Growth Conference allows public companies to present their new products and services to the investment community efficiently [3]. - The conference targets a wide range of growth sectors and includes a diverse audience of individual and institutional investors, as well as investment advisors and analysts [4]. Leadership Presentation - John Schaible, Executive Chairman, and Craig Ridenhour, President of AtlasClear Holdings, will lead the presentation and engage with attendees in real time [2].

Core Viewpoint - AtlasClear Holdings, Inc. has successfully closed a $20 million financing round, which includes convertible debt and equity units, aimed at accelerating its growth strategy and expanding its operations [1][4]. Financing Details - The financing consists of $10 million in convertible debt with a 5-year term at an 11% coupon and a conversion price of $0.75 per share [2]. - An additional $10 million was raised through units sold at $0.60 per unit, with each unit comprising one share of common stock and one warrant [2]. - After accounting for the rollover of recent debt financing, the transaction yielded gross cash proceeds of $15.75 million, excluding placement agent fees and other transaction expenses [3]. Strategic Implications - The capital raised will enable the company to onboard new correspondents and expand into additional revenue lines, enhancing its operational capabilities [4]. - The financing is viewed as a strong vote of confidence from existing investors, which will support the company's growth strategy and technological advancements [4]. Company Overview - AtlasClear Holdings is focused on modernizing financial services through a technology-enabled platform, targeting small- and middle-market financial institutions [6]. - The company combines its expertise with established infrastructure, including Wilson-Davis & Co., Inc., a full-service correspondent securities broker-dealer, and plans to acquire Commercial Bancorp of Wyoming [6]. - The leadership team comprises industry veterans with extensive experience in financial services, positioning AtlasClear to deliver a comprehensive suite of brokerage, clearing, risk management, and banking solutions [6].