Core Insights - Freedom Financial Holdings reported a net loss of $3,567,973 or $0.50 per diluted share for Q4 2025, a significant decline from a net income of $1,122,930 or $0.16 per diluted share in Q3 2025 and $1,156,906 or $0.16 per diluted share in Q4 2024 [1][6] - For the full year 2025, the company achieved a net income of $374,197 or $0.05 per diluted share, down from $4,710,286 or $0.64 per diluted share in 2024 [1][6] Financial Performance - The bank's pre-provision, pre-tax income (PPNR) for Q4 2025 was $2.2 million, an increase of 84.4% from Q4 2024 and 22.6% from Q3 2025 [2] - Total revenue for the full year 2025 increased by 9.51% compared to 2024, primarily due to net interest margin expansion related to lower funding costs [9] Net Interest Income - Net interest income for Q4 2025 was $6.70 million, a decrease of 0.77% from Q3 2025 but an increase of 4.3% from Q4 2024 [4] - The net interest margin for Q4 2025 was 2.70%, up 4 basis points from Q3 2025 and 26 basis points from Q4 2024 [4] Asset Quality - Non-accrual loans increased to $26,767,487 or 3.51% of loans held-for-investment, up from 2.30% in the previous quarter, primarily due to one large syndicated loan [12] - The ratio of the allowance for credit losses to loans held-for-investment was 1.82% as of December 31, 2025, compared to 0.85% in the prior year [13] Deposits and Borrowings - Total deposits increased by $59.2 million or 6.93% in Q4 2025, with non-interest-bearing demand deposits rising to 16.3% of total deposits [14] - Borrowings decreased by $25 million during the quarter, reflecting a shift towards core deposits [20] Capital and Equity - The bank's Total Risk Based Capital ratio increased to 15.08% at year-end 2025, compared to 14.35% at the end of 2024 [2][16] - Stockholders' equity as of December 31, 2025, was $84.34 million, a decrease from $87.19 million at the end of Q3 2025 [15] Share Buyback Program - The company repurchased 29,400 shares in Q4 2025 and a total of 207,092 shares for the full year at an average price of $10.51 per share [17]

Seasoned Sales and Marketing Leader Joins Freedom Bank to Accelerate Next Phase of Growth FAIRFAX, Va., Jan. 28, 2026 /PRNewswire/ -- Freedom Financial Holdings, Inc. (OTCQX: FDVA) today announced the appointment of Joe Daniel as Senior Vice President and Director of Sales & Marketing of the Freedom Bank of Virginia. In his new role, Joe will lead the bank's strategic focus on expanding client relationships across all lines of business and oversee sales execution, marketing strategy, digital engagement, an ...

BMAC's efforts and impact, visit [www.bmacoalition.org/impact-reports].About Live Nation UrbanLive Nation Urban (LNU) remains North America's preeminent producer of concert experiences, festivals, and platforms headlined, curated, and owned by Black talent. Operating in partnership with Live Nation Entertainment, the world's leading live entertainment company, the company sets the tone for culture with over a dozen sought-after festival brands such as The Roots Picnic, Broccoli City, Exodus Music & Arts Fes ...

Core Viewpoint - Terra Clean Energy Corp. is set to acquire up to a 100% interest in the Freedom & Prospector Mines Project, which includes 6 unpatented Lode Mining Claims covering 39.5 hectares in a historic uranium mining district [1][3]. Transaction Highlights - The acquisition involves a staged earn-in structure, requiring cash payments, share issuances, and exploration expenditures to gradually increase ownership from 20% to 100% [14]. - The project is located in Piute County, Utah, near the Fishlake National Forest, with good access to infrastructure [5][8]. Rationale Behind the Acquisition - Historical production from the Marysvale district recorded over 1.33 million pounds of U3O8, with over 75% sourced from the Freedom and Prospector Mines [3][8]. - The mines were abandoned in the 1970s due to a market collapse rather than depletion of resources, indicating potential for future exploration [4][3]. - Modern exploration technologies, such as 3D modeling, are expected to enhance resource identification and extraction [4]. Project Overview - The project consists of 6 contiguous claims with a history of uranium production, situated in a favorable location with access to roads, power, and water [5][8]. - The area features nearly vertical fissure veins and is characterized as an epithermal vein-style uranium system [7]. Government and Market Context - Uranium has been added to the U.S. List of Critical Minerals, which may facilitate permitting and access to federal funding for uranium projects [8]. - There is strong government support for nuclear power and uranium mining, aiming to reduce reliance on foreign nuclear fuel [8]. Exploration Potential - Preliminary assessments indicate significant remaining ore and resource potential on the property, with plans for further exploration and data acquisition [9]. - The company aims to utilize both air and ground-based radiometric surveys to develop an updated structural model for efficient drilling [9]. Marketing Agreements - Terra has engaged Ares Capital Markets Group for marketing services, with an upfront payment of USD 100,000 for a three-month period [18][19]. - Additionally, an agreement with Aktien Check for European marketing activities has been established, with a payment of 25,000 Euros for one month of services [21]. Company Background - Terra Clean Energy is a Canadian-based uranium exploration and development company, also involved in developing the South Falcon East uranium project in Saskatchewan, Canada [23].

Core Viewpoint - VICI Properties offers a high dividend yield, currently over 6%, which is significantly above the S&P 500 average of 1.2%, making it an attractive option for passive income investors [1]. Group 1: Dividend Stability and Growth - VICI Properties owns a diverse portfolio of experiential real estate, including casinos and entertainment complexes, and leases these properties under long-term, triple-net leases, ensuring stable cash flows [2]. - The company pays out approximately 75% of its stable cash flow in dividends, with a history of increasing its dividend for eight consecutive years at a compound annual growth rate of 6.6%, outpacing the 2.3% average of other NNN-focused REITs [5]. Group 2: Investment Strategy and Growth Potential - VICI Properties engages in sale-leaseback transactions, recently completing a $1.2 billion acquisition of seven gaming properties, which enhances its cash flow to support dividend payments [3]. - The company has a significant total addressable market opportunity exceeding $400 billion for U.S. gaming properties, positioning it for continued growth and the ability to increase dividends [6].

Group 1 - The service Beyond the Wall Investing offers significant savings on equity research reports, potentially saving thousands of dollars annually for subscribers [1] - Oakoff Investments, leading the investing group Beyond the Wall Investing, focuses on balancing growth and value through proprietary Wall Street information [2] - The group provides a fundamentals-based portfolio, weekly analysis from institutional investors, short-term trade alerts based on technical signals, and community engagement features [2]

Local Entrepreneur Brings Operating Experience and Commercial Real Estate Acumen to Freedom Bank Board FAIRFAX, Va., Jan. 22, 2026 /PRNewswire/ -- Freedom Financial Holdings, Inc. (OTCQX: FDVA) today announced the appointment of Pierre A. Abushacra to the Board of Directors of the Freedom Bank of Virginia, effective immediately. Mr. Abushacra brings extensive operating experience, along with a deep commitment to innovation and community engagement that aligns with Freedom Bank's mission and growth strategy ...

Enhanced partnership expands Lowe's presence, supporting the construction of Miami Freedom Park, player development, fan experience, and community programs MIAMI, Jan. 16, 2026 /PRNewswire/ -- Inter Miami CF today announced the renewal and expansion of its strategic partnership with Lowe's, officially elevating the home improvement leader to a Main Partner of the Club. Building on a collaboration that began in April 2024, the renewed agreement arrives at a transformational moment for the Club. Fresh off win ...

Core Insights - Freedom Bank Kazakhstan has launched an embedded eSIM miniapp within its SuperApp, allowing users to purchase, activate, and manage international mobile data plans directly through their banking interface [1][2] - This initiative is part of Freedom Bank's strategy to transform its SuperApp into a comprehensive lifestyle platform, integrating telecommunications capabilities to enhance user experience for travelers [2][3] Company Strategy - The integration of eSIM services aims to eliminate the challenges associated with traditional roaming and physical SIM cards, catering to both business and leisure travelers [2][3] - Freedom Bank has established itself as an innovator in the region, previously launching fully digital mortgages and investment-based cashback programs [3] Technical Infrastructure - The technical execution of the eSIM miniapp is powered by Boxo's superapp SDK, which facilitates the embedding of third-party miniapps, managing backend complexities such as carrier provisioning and global telecom partnerships [4][5] - Boxo's infrastructure allows Freedom Bank to rapidly deploy new services, enhancing the overall functionality of its digital ecosystem [4][5] Market Position - Freedom Bank is part of Freedom Holding Corp., a diversified financial group operating in 22 countries, with a digital ecosystem that includes banking, insurance, and marketplaces [5]

Core Insights - Freedom Holding Corp. has published its annual Sustainability Report for the 2025 financial year, highlighting significant contributions to social, educational, sports, and environmental projects, with total ESG-oriented investments amounting to 27.87 billion tenge (USD 57.6 million) [1][4]. Investment Areas - The company allocated 1.32 billion tenge (USD 2.73 million) for the construction of a new artificial intelligence facility at SDU University, focusing on fintech, AI, and digital technologies [5]. - An additional 62.77 million tenge (USD 0.13 million) was invested in the Freedom Fintech Bootcamp program, aimed at training specialists in Data Science and Machine Learning [6]. - A total of 1.86 billion tenge (USD 3.84 million) was dedicated to hosting the ICPC World Finals 2024 in Kazakhstan, enhancing the country's technological profile [6]. Sports and Healthy Lifestyles - Freedom Holding Corp. invested 1.28 billion tenge (USD 2.64 million) in the construction of the Freedom Yelimay football complex in Semey, and 795 million tenge (USD 1.64 million) for a sports complex for people with disabilities in Oral [8]. Social and Infrastructure Projects - The company allocated 2.9 billion tenge (USD 5.99 million) to assist flood victims in western Kazakhstan, including restoration of vital facilities and construction of protective dams [9]. - In the cultural sector, 336 million tenge (USD 0.69 million) was allocated for the reconstruction of the Abai State Opera and Ballet Theatre [9]. Environmental Projects - Freedom Holding Corp. allocated 149.91 million tenge (USD 0.31 million) for the construction of the Kazakhstan Pavilion at COP29 and signed agreements for biodiversity conservation [10][13]. - Long-term environmental initiatives include 200 million tenge (USD 0.41 million) dedicated to promoting sustainable technologies and supporting the restoration of the Aral Sea ecosystem [11]. Team Development - The company reports that 95% of its employees are based in Kazakhstan, with a 56% increase in specialists under the age of 30 and an almost perfect gender balance [12]. Strategic Achievements - Major strategic achievements include the opening of the UN Regional Office for the Sustainable Development Goals in Central Asia and participation in COP29, resulting in significant ESG agreements [13][14].