Core Insights - Capital City Bank has been recognized as one of American Banker's "Best Banks to Work For" for the 13th consecutive year, ranking 37 out of 90 banks nationwide and 8 among banks with assets between $3 billion and $10 billion, showing significant improvement from its previous year's rankings of 56 and 15 respectively [1] Company Overview - Capital City Bank Group, Inc. is a publicly traded financial holding company headquartered in Florida with approximately $4.3 billion in assets, offering a full range of banking services including traditional deposit and credit services, mortgage banking, asset management, and securities brokerage [5] Employee Engagement and Culture - The recognition reflects the commitment of the bank's associates, emphasizing a workplace culture where employees feel valued and supported, with a focus on personal and professional growth [2] - The bank provides a comprehensive benefits package, including insurance, a stock purchase plan, 401(k), paid time off, and tuition assistance, alongside continuous learning programs to encourage skill development [2] Initiatives for Associate Support - Capital City Bank launched initiatives such as The Spotlight and Navigator to enhance associate engagement, providing platforms for recognition and resources for essential needs [3][6] - The evaluation process for the "Best Banks to Work For" involved assessing workplace policies and practices (25% of total evaluation) and associate surveys (75% of total evaluation) to gauge employee experiences [3][4]

Core Insights - WeRide has received a city-level commercial permit for fully driverless Robotaxi operations in Abu Dhabi, making it the first international company to achieve this milestone in the UAE [1][2][4] Company Developments - The permit, granted on October 31, 2025, allows WeRide's Robotaxis to operate without an on-board safety driver, with commercial operations set to begin on the Uber and TXAI platforms in Abu Dhabi [2][4] - WeRide has been operating Robotaxis in Abu Dhabi since 2021 and launched a partnership with Uber in December 2024, which is the largest commercial Robotaxi service outside the U.S. and China [5][6] - As of October 2025, WeRide Robotaxis have accumulated nearly one million kilometers in Abu Dhabi, and the new permit enables the service to achieve financial breakeven on unit economics [6][8] Regulatory and Testing Milestones - WeRide's permit application was approved after a thorough evaluation process, following the granting of the UAE's first national license for self-driving vehicles in July 2023 [3][4] - The company has been conducting fully driverless Robotaxi testing since Q2 2025, validating reliability ahead of commercial deployment [9] Future Expansion Plans - WeRide aims to expand its Middle East fleet to 1,000 Robotaxis by 2026 and plans to deploy tens of thousands of Robotaxis by 2030 [9]

Core Viewpoint - Northstar Clean Technologies Inc. has officially opened its first commercial asphalt shingle reprocessing facility in Calgary, Alberta, and secured a five-year contract with the City of Calgary for the reprocessing of asphalt shingles, marking a significant step towards waste diversion and the establishment of a circular economy solution in North America [1][4][5]. Contract and Collaboration - The contract with the City of Calgary will commence in April 2026 and involves the collection and reprocessing of asphalt shingles from the city's waste management facilities, contributing to the city's waste diversion goals [1][2]. - Northstar will collaborate with the City on the collection, inspection, and contaminant removal processes to ensure operational efficiency [2]. Supply and Capacity - This contract adds to Northstar's existing supply agreements with IKO Industries Ltd and Ecco Recycling & Energy Corporation, enhancing the feedstock supply for the Empower Calgary Facility [3]. - The facility is designed to process up to 80,000 tonnes of discarded shingles annually on a two-shift basis, recovering valuable materials for reuse [5][6]. Economic and Environmental Impact - The Empower Calgary facility is expected to create up to 30 full-time local jobs and is a significant example of Alberta's commitment to clean technology and circular economy initiatives [6][9]. - The facility aims to reduce lifecycle CO2 emissions by approximately 60% by converting landfill-bound waste into reusable materials, aligning with Canada's 2030 Emissions Reduction Plan and net-zero by 2050 targets [5][9]. Technological Innovation - Northstar utilizes its patented Bitumen Extraction & Separation Technology (BEST) to recover liquid asphalt, aggregate, fiber, and limestone from discarded shingles, showcasing a scalable solution for waste management [5][10]. - The project has received over $7.2 million in support from Emissions Reduction Alberta and Alberta Innovates, highlighting the collaboration between public and private sectors in advancing industrial decarbonization [6][8].

Core Insights - Century Communities, Inc. is launching a new community called Cottonwood Place in Tabor City, North Carolina, featuring over 100 new homes priced from the $200s [1][3] - The community will offer single- and two-story floor plans with modern amenities and quick access to Myrtle Beach, appealing to homebuyers seeking affordability and location [1][5] Company Overview - Century Communities is recognized as one of the largest homebuilders in the U.S. and a leader in online home sales, having been named one of America's Most Trustworthy Companies by Newsweek for three consecutive years [8] - The company operates in 16 states and over 45 markets, providing a range of services including mortgage and insurance through its subsidiaries [8] Product Offering - Cottonwood Place will feature open-concept layouts with options for up to 4 bedrooms and 3 bathrooms, with homes ranging up to 1,774 square feet [5] - Standard features include granite countertops, stainless-steel appliances, and luxury vinyl plank flooring, enhancing the appeal of the homes [5] Sales Process - The company offers an innovative online homebuying experience, allowing customers to purchase homes 24/7 while still having access to local real estate agents [4][6] - The online process includes steps such as filling out a Buy Online form and electronically signing a purchase contract, streamlining the buying experience [6][7]

Core Insights - American Public Education, Inc. (APEI) will hold its 2025 Investor Day on November 20, 2025, at the New York Athletic Club in New York City, starting at 9:00 am ET [1][2] - The management team will discuss APEI's long-term strategies and growth outlook during the event [2] - A replay of the Investor Day will be available until December 4, 2025 [3] Company Overview - APEI provides online and campus-based postsecondary education to approximately 108,000 students through its three subsidiary institutions: American Public University System (APUS), Rasmussen University, and Hondros College of Nursing [1][3] - APUS serves around 89,000 adult learners globally, focusing on active-duty military and veteran students [4] - Rasmussen University, with a history of 125 years, serves about 15,900 students across 20 campuses in six states and online, offering programs in various fields including nursing and health sciences [5] - Hondros College of Nursing is the largest educator of Practical Nursing (LPN) nurses in Ohio, serving approximately 4,000 students across eight campuses [6] Accreditation - APUS and Rasmussen University are accredited by the Higher Learning Commission (HLC), while Hondros College of Nursing is accredited by the Accrediting Bureau of Health Education Schools (ABHES) [7]

Core Insights - Pacifica Hotels G.K. has signed a franchise agreement with Marriott International Inc. to introduce City Express by Marriott to Japan, converting two existing hotels in Osaka, expected to reopen in Spring 2026 [1][3] - This marks the debut of the midscale City Express by Marriott brand in the Asia Pacific region, aiming to provide value, convenience, and modern comfort to travelers in Osaka [1][3] Company Overview - City Express by Marriott offers modern and accessible accommodations for value-conscious travelers, focusing on quality, simplicity, and consistency [2] - Pacifica Hotels G.K. is recognized as the leading third-party operator of international hotels in Japan, managing a diverse range of hotel brands from midscale to upper upscale [7] Hotel Details - City Express by Marriott Shin-Imamiya will feature 100 guest rooms in a nine-story standalone property located near Shin-Imamiya Station, ensuring connectivity across Osaka and the Kansai region [3][4] - City Express by Marriott Osaka Namba South will have 143 guest rooms in a 14-story standalone property adjacent to Hanazonochō Station, providing convenient access to central Osaka [4][5] Strategic Importance - The openings reflect Marriott's commitment to expanding its midscale portfolio in Japan, catering to the evolving needs of both domestic and international travelers [6] - The hotels are strategically located within vibrant retail, residential, and commercial hubs, offering easy access to major attractions in Osaka and direct connectivity to Kansai International Airport [5][6]

Core Points - The Rockettes are celebrating their 100th anniversary with various events and collaborations across New York City [1][2][3] - Sixth Avenue outside Radio City Music Hall has been temporarily renamed "Rockettes Way" to honor their contribution to the city [2][3] - The 2025 Christmas Spectacular will feature unique exhibits and custom food items celebrating the Rockettes' legacy [2][11] Activations and Collaborations - A new street sign commemorating the Rockettes has been unveiled, with limited-edition signs available for purchase [3] - The Empire State Building has launched festive displays and lighting to celebrate the Rockettes [4] - The Museum of Broadway will host an exhibit titled "The Rockettes 100 Anniversary: A Century of Sisterhood" from November 13, 2023, to January 5, 2026 [5][6] Special Food and Merchandise - Serendipity 3 has created a special frozen treat called "Rockettes 100 PB&J Frrrozen Hot Chocolate" available during the Christmas Spectacular [7] - Magnolia Bakery is offering a Rockettes Red Velvet cupcake exclusively at its Rockefeller Center location [8] - Waterford has produced a limited-edition crystal ornament to commemorate the anniversary [9] Additional Events and Offerings - Kith is launching a capsule collection featuring custom designs related to the Rockettes [10] - Guests at the Christmas Spectacular will have access to costume retrospectives and archival displays celebrating the Rockettes' history [11] - The Rockettes have partnered with LEGOLAND® New York Resort to display life-size LEGO® figures [12] Legacy and Future Initiatives - The Rockettes are committed to diversity and inclusion through their dancer development programs, which have seen over 500 participants in the last five years [14] - The Rockettes Legacy™ initiative aims to preserve the history of the dance company and connect former members [15] - The Christmas Spectacular runs through January 5, 2026, with tickets available for purchase [16]

Core Insights - Central Garden & Pet Company has opened a new state-of-the-art fulfillment center in Salt Lake City, Utah, enhancing its logistics network and supporting long-term growth [2][3] - The new facility consolidates two legacy sites, improving efficiency and reducing complexity in serving customers nationwide [3][4] - This initiative is part of a broader strategy to make the company leaner and more agile while pursuing organic growth and strategic M&A opportunities [3][5] Company Strategy - The Salt Lake City facility is designed to be a modern, direct-to-consumer (DTC)-enabled hub, which will enhance the company's ability to manage its DTC business and improve drop shipment execution for retail partners [5] - The facility features advanced safety systems, optimized workflows, and expanded capacity, contributing to logistics savings and increased throughput [5] - Central Garden & Pet aims to build a more efficient and resilient network that seamlessly connects retail, eCommerce, and wholesale demand [5] Financial Overview - Central Garden & Pet reported fiscal 2024 net sales of $3.2 billion, indicating a strong market position in the pet and garden industries [6]

Company Update - VSee Health is collaborating with the Philippine Tuberculosis Society and former Vice President Leni Robredo to enhance healthcare delivery in Naga City through digital health innovation, focusing on maternal health and primary care [1][2] - The meeting highlighted significant healthcare challenges in Naga City, including low prenatal check-up rates of 44% compared to the Department of Health's target of 99%, and initiatives like healthcare caravans and PhilHealth's YAKAP project providing financial support for primary care [2] Industry Insights - The Southeast Asia digital health market reached USD 17 billion in 2024 and is projected to grow to USD 38.8 billion by 2033, with the Philippines expected to surpass USD 1 billion by 2027 as governments accelerate digital transformation in healthcare [3] - VSee's AI-driven telehealth platform supports various initiatives, including Project MAMA aimed at reducing maternal and fetal deaths, and collaborations for TB screenings with innovative medtech companies [4] Strategic Goals - VSee Health aims to deepen partnerships that integrate technology, clinical expertise, and public sector leadership to improve population health in the Philippines and Southeast Asia [5]

Financial Performance - Net income available to common shareholders increased to $98.9 million for the nine months ended September 30, 2025, compared to $88.4 million for the same period in 2024, representing a growth of 11.0%[118] - Earnings per common share (basic) rose to $6.76 for the nine months ended September 30, 2025, up from $5.96 in 2024, reflecting a 13.4% increase[118] - Non-interest income for the nine months ended September 30, 2025, was $58.1 million, a 2.5% increase from $56.7 million in 2024[156] - Non-interest income increased from $56.7 million for the nine months ended September 30, 2024, to $58.1 million for the nine months ended September 30, 2025, representing a growth of 2.5%[157] - Non-interest income for the quarter ended September 30, 2025, was $20.2 million, slightly down from $20.3 million in the same quarter of 2024[161] Interest Income and Margin - The Company's net interest income increased to $175.8 million for the nine months ended September 30, 2025, compared to $164.7 million in 2024, marking a growth of 6.7%[119] - Net interest income for the nine months ended September 30, 2025, was $176,416,000, an increase from $165,318,000 in 2024, representing a growth of approximately 6.7%[129] - The reported net interest margin increased slightly from 3.90% for the nine months ended September 30, 2024, to 3.95% for the same period in 2025[128] - For the third quarter of 2025, net interest income increased by $5.5 million, or 9.9%, from $55.6 million in Q3 2024 to $61.1 million in Q3 2025[133] - The reported net interest margin improved from 3.87% in Q3 2024 to 4.04% in Q3 2025, indicating enhanced profitability[134] Loans and Deposits - Gross loans increased by $138.0 million (3.2%) to $4.41 billion at September 30, 2025, with residential real estate loans rising by $86.2 million (4.7%) during the same period[125] - Total loans increased by $138.0 million from December 31, 2024, to September 30, 2025, reaching $4.41 billion[143] - Residential real estate loans increased by $86.2 million from December 31, 2024, to September 30, 2025, totaling $1.91 billion[147] - Total deposits rose by $113.4 million (2.2%) to $5.26 billion at September 30, 2025, with time deposits increasing by $53.5 million[126] Expenses and Allowance for Credit Losses - Non-interest expense for the nine months ended September 30, 2025, was $114.5 million, a 3.8% increase from $110.3 million in 2024[156] - Non-interest expenses increased by $4.2 million (3.8%), from $110.3 million in the first nine months of 2024 to $114.5 million in the first nine months of 2025, primarily due to higher salaries and employee benefits[159] - The allowance for credit losses was estimated using a 2-year unemployment forecast range of 4.3% to 4.7% for the September 30, 2025 estimate, reflecting a slight adjustment from the previous quarter[112] - The allowance for credit losses decreased from $21.9 million at December 31, 2024, to $19.7 million at September 30, 2025[155] - The company recorded a recovery of credit losses of $0.5 million in Q3 2025, compared to a provision for credit losses of $1.2 million in Q3 2024[150] Capital Adequacy - As of September 30, 2025, City Holding Company reported a Common Equity Tier I (CET I) Capital of $726,739, representing a ratio of 17.2%, exceeding the minimum required ratio of 7.0% under Basel III[181] - City National Bank's CET I Capital was $667,193, with a ratio of 15.8%, also above the minimum required ratio of 7.0%[181] - Total Capital for City Holding Company stood at $746,422, reflecting a ratio of 17.7%, surpassing the minimum required ratio of 10.5%[181] - City National Bank's Total Capital was $686,876, with a ratio of 16.3%, exceeding the minimum required ratio of 10.5%[181] - City Holding Company and City National Bank are considered "well capitalized" as of September 30, 2025, meeting all capital adequacy requirements[181] Shareholder Equity and Dividends - Shareholders' equity increased by $68.3 million for the nine months ended September 30, 2025, primarily due to net income of $98.9 million[178] - The dividend payout ratio decreased to 36.3% for the nine months ended September 30, 2025, down from 37.3% in 2024[118] Regulatory Compliance - The Company and its subsidiary bank do not currently plan to elect the community bank leverage ratio framework but may consider it in the future[183] - City Holding Company and City National Bank are subject to regulatory capital requirements from the Federal Reserve and the OCC/FDIC, respectively[181] - The management believes that both entities have met all capital adequacy requirements as of the reporting date[181] - The Company has a Tier I Leverage Ratio of 11.1% for City Holding Company and 10.2% for City National Bank, both exceeding the minimum required ratio of 4.0%[181] - The Company is classified as a qualifying community banking organization, eligible for the community bank leverage ratio framework if certain criteria are met[182]