Financial Performance - City Holding Company reported record net income of $130.5 million and diluted earnings of $8.93 per share for the year ended December 31, 2025, achieving a return on assets of 1.97% and a return on tangible equity of 21.2%[2] - Net Income available to common shareholders for the twelve months ended December 31, 2025, was $130,485,000, up from $117,101,000 in 2024, representing a growth of 11.5%[29] - Earnings per share (EPS) for the year ended December 31, 2025, was $8.94, compared to $7.91 in 2024, indicating a year-over-year increase of 13.0%[29] - Net Income Available to Common Shareholders for the three months ended December 31, 2025, was $31,568,000, compared to $28,654,000 for the same period in 2024, representing an increase of 10.3%[33] Income and Revenue - Net interest income increased by $16.1 million, or 7.3%, from $221.1 million in 2024 to $237.2 million in 2025, driven by an increase in average loan balances and a decrease in the cost of interest-bearing liabilities[4] - Non-interest income rose to $77.8 million for the year ended December 31, 2025, compared to $73.3 million in 2024, with a 2.9% increase in core non-interest income[11] - Total Interest Income for the three months ended December 31, 2025, was $81,447,000, an increase from $78,820,000 for the same period in 2024, representing a growth of 2.4%[32] - Net Interest Income for the three months ended December 31, 2025, was $60,825,000, compared to $55,790,000 for the same period in 2024, reflecting an increase of 9.1%[29] Asset and Loan Growth - Total loans increased by $232.2 million, or 5.4%, to $4.51 billion at December 31, 2025, with significant growth in commercial and industrial loans by 8.1%[17] - Total Assets as of December 31, 2025, were $6,722,018,000, an increase from $6,459,459,000 as of December 31, 2024, reflecting a growth of 4.1%[34] - The total gross loans increased to $4,507,005, up from $4,412,775 in the previous quarter, representing a growth of 2.0%[36] - The commercial and industrial loan portfolio grew to $453,975, up from $426,654 in the previous quarter, reflecting a growth of 6.0%[36] Deposits and Liquidity - Period-end deposit balances increased by $156.8 million, or 3.0%, from December 31, 2024, to December 31, 2025, with average depository balances rising by $192.8 million[18] - The Company maintained a gross loan to deposit ratio of 85.0% and a gross loan to asset ratio of 67.0% at December 31, 2025, indicating solid liquidity management[20] - Total Deposits as of December 31, 2025, were $5,300,988,000, compared to $5,144,150,000 as of December 31, 2024, indicating an increase of 3.1%[34] Expenses and Efficiency - Non-interest expenses increased by $6.9 million, or 4.7%, from $147.2 million in 2024 to $154.1 million in 2025, primarily due to salary adjustments and increased health insurance costs[15] - The efficiency ratio for the twelve months ended December 31, 2025, was 48.2%, compared to 48.8% in 2024, indicating improved operational efficiency[30] Capital and Equity - The tangible equity ratio improved from 9.1% at December 31, 2024, to 9.9% at December 31, 2025, reflecting strong capitalization[23] - Stockholders' equity increased to $808,947, compared to $747,143 a year earlier, indicating a strong capital position[39] - The CET I capital ratio at period-end was 16.94%, slightly down from 17.19% in the previous quarter[30] Dividends and Share Repurchase - The Board of Directors approved a quarterly cash dividend of $0.87 per share, payable on January 30, 2026, as part of a share repurchase plan[25] - The company repurchased 141,000 treasury shares at an average price of $119.12 during the three months ended December 31, 2025[30] Credit Quality - The ratio of nonperforming assets to total loans decreased from 0.35% at December 31, 2024, to 0.32% at December 31, 2025, indicating improved credit quality[9] - The allowance for loan losses at the end of the period was $19,862, which is 0.44% of loans outstanding, slightly down from 0.45% in the previous quarter[37] - Total non-performing loans amounted to $13,919, with non-performing assets as a percentage of loans and other real estate owned at 0.32%[38] Market Activity - The average daily trading volume for the three months ended December 31, 2025, was 90,000 shares, compared to 76,000 shares in the previous quarter[30] - New DDA accounts for 2025 totaled 31,427, with a net increase of 3,548 accounts, reflecting a growth rate of 1.4%[48]

Core Insights - The official creation of Jailhouse Studios has been announced, which will be located in Hamilton County's former downtown jail [1] - Jailhouse Studios aims to be the world's first quantum-ready sovereign data, processing, and AI center and creator campus [1] - The project is a result of years of collaboration among leaders in real estate, technology, and entertainment industries [1] Industry Impact - The establishment of Jailhouse Studios represents a significant intersection of cutting-edge technology and creative production [1] - This initiative is expected to enhance the local economy by attracting talent and investment in the fields of data processing and artificial intelligence [1]

Core Viewpoint - Sila Realty Trust has successfully completed the acquisition of an inpatient rehabilitation facility in Oklahoma City for a total of $43.1 million [1] Group 1: Acquisition Details - The acquisition involves an inpatient rehabilitation facility located in Oklahoma City [1] - The total purchase price for the facility is $43.1 million [1] Group 2: Strategic Implications - This acquisition is part of Sila Realty Trust's strategy to expand its portfolio in the healthcare real estate sector [1] - The facility is expected to enhance the company's revenue-generating capabilities [1]

Core Insights - ABM has been selected by DASH to provide EV charging infrastructure for the electrification of Alexandria's public bus fleet [2][3] - The project includes the installation of an in-route pantograph charger, power cabinets, and electrical infrastructure, allowing buses to charge while in service [3] - This initiative is part of a broader electrification plan for DASH, which serves over 15,000 riders daily and aims to enhance operational efficiency and reduce greenhouse gas emissions [4][6] Company Overview - ABM is a leading provider of integrated facility, engineering, and infrastructure solutions, with over 100,000 team members [7] - The company generates over $8 billion in annual revenue and serves various sectors including commercial real estate, aviation, and education [8] - ABM focuses on innovative technologies and sustainable solutions to enhance facilities and meet evolving challenges [8]

Core Viewpoint - The acquisition of City Office REIT, Inc. by the joint venture MCME Carell, consisting of Elliott Investment Management and Morning Calm Management, has been completed at a price of $7.00 per share, resulting in the delisting of CIO's common stock from public markets [1][2]. Group 1: Acquisition Details - MCME Carell has successfully acquired City Office REIT for $7.00 per share, leading to the removal of CIO's common stock from public trading [1]. - Over 98% of voting stockholders supported the acquisition, indicating strong shareholder approval and confidence in the transaction [2]. Group 2: Management Commentary - James Farrar, CEO of City Office REIT, emphasized that the acquisition delivers immediate and significant value to shareholders, reflecting the hard work of the team [2]. - Mukang Cho, CEO of Morning Calm Management, expressed excitement about the transaction and the potential to create value in the commercial real estate portfolio, highlighting a belief in the recovery of the office sector [2]. Group 3: Advisory Roles - Raymond James & Associates and Jones Lang LaSalle Securities acted as exclusive financial advisors for City Office REIT, while DLA Piper LLP served as special M&A legal counsel [3]. - Eastdil Secured acted as the financial advisor for MCME Carell, with Gibson Dunn & Crutcher LLP providing legal counsel [3]. Group 4: About MCME Carell - MCME Carell is an affiliate of Elliott Investment Management and Morning Calm Management, with Elliott managing approximately $76.1 billion in assets as of June 30, 2025 [4]. - Morning Calm Management focuses on special situation investing and commercial real estate credit, managing around 11 million square feet of commercial real estate [4].

Core Viewpoint - Capital City Bank Group, Inc. will release its fourth quarter and year-end 2025 financial results on January 27, 2026, before the market opens, with access available on its Investor Relations website [1] Group 1: Company Overview - Capital City Bank Group, Inc. is one of the largest publicly traded financial holding companies based in Florida, with approximately $4.3 billion in assets [2] - The company offers a comprehensive range of banking services, including traditional deposit and credit services, mortgage banking, asset management, trust, merchant services, bankcards, and securities brokerage services [2] - Capital City Bank, the bank subsidiary, was established in 1895 and currently operates 62 banking offices and 108 ATMs/ITMs across Florida, Georgia, and Alabama [2]

Core Viewpoint - Accel Entertainment is exploring the opportunity to introduce its distributed gaming and local entertainment model in Chicago, following recent discussions about the potential implementation of Video Gaming Terminals (VGT) in the city [1] Group 1 - Accel Entertainment is a leading gaming operator focused on local markets, collaborating with small businesses, communities, and state governments to deliver safe and enjoyable gaming experiences nationwide [1] - The company is assessing the feasibility of expanding its operations to Chicago, indicating a strategic move to capitalize on new market opportunities [1]

Core Viewpoint - City Office REIT, Inc. has announced the tax treatment of its 2025 distributions to shareholders, providing essential information for tax reporting related to dividend distributions of taxable income [1]. Distribution Details - For common stock, the total distribution per share is $0.100 for each of the payment dates: January 23, April 24, and July 24, 2025 [3]. - For preferred stock, the total distribution per share is $0.414063 for each of the payment dates: January 23, April 24, July 24, and October 24, 2025 [4]. Company Overview - City Office REIT is an internally-managed real estate company focused on acquiring, owning, and operating office properties primarily in Sun Belt markets, currently owning or controlling 4.2 million square feet of office properties [5].

Core Insights - Qiddiya City is positioned as the world's first global destination centered on the "Power of Play," located 40 minutes from Riyadh, Saudi Arabia, and aims to integrate entertainment, sports, and cultural experiences in an unprecedented manner [1][7]. Group 1: Six Flags Qiddiya City - Six Flags Qiddiya City is the inaugural entertainment development within Qiddiya City, featuring 28 rides and attractions designed to provide thrilling experiences for families and adventure-seekers [2][6]. - The park includes 18 rides specifically designed for families and younger visitors, ensuring entertainment for all age groups, alongside various international dining options and retail outlets for exclusive merchandise [3][6]. - Ticket prices start at $85 USD for adults and $70 USD for children, with free admission for kids under 4 years old; the pricing covers all rides, and an Unlimited GoFast Pass is available for priority access [4][5]. Group 2: Accessibility and Inclusivity - The theme park is designed to be accessible for all guests, including individuals with special needs, with discounted tickets starting from $20 USD available exclusively at the park [5]. - Qiddiya City aims to provide a high quality of life with a range of attractions and experiences, alongside residential, retail, office, hospitality, healthcare, and educational offerings, all within a sustainable urban environment [8]. Group 3: Six Flags Entertainment Corporation - Six Flags Entertainment Corporation is the largest regional amusement-resort operator in North America, operating 27 amusement parks, 15 water parks, and nine resort properties across multiple countries, including Saudi Arabia [9]. - The company focuses on delivering fun, immersive, and memorable experiences to millions of guests annually, featuring world-class coasters and themed rides [9].

Company Overview - Proactive is a financial news publisher that provides fast, accessible, informative, and actionable business and finance news content to a global investment audience [2] - The company operates with a team of experienced and qualified news journalists, ensuring independent content production [2] Market Focus - Proactive specializes in medium and small-cap markets while also covering blue-chip companies, commodities, and broader investment stories [3] - The news team delivers insights across various sectors, including biotech and pharma, mining and natural resources, battery metals, oil and gas, crypto, and emerging digital and EV technologies [3] Technology Adoption - Proactive is recognized for its forward-looking approach and enthusiastic adoption of technology to enhance workflows [4] - The company utilizes automation and software tools, including generative AI, while ensuring that all content is edited and authored by humans [5]