Exhibit 99.1 FOR IMMEDIATE RELEASE: MEDALLION FINANCIAL CORP. REPORTS 2025 FOURTH QUARTER AND FULL-YEAR RESULTS 2025 Fourth Quarter Highlights 2025 Full-Year Highlights Executive Commentary Andrew Murstein, President and Chief Executive Officer of Medallion Financial Corp. commented, "2025 marked a record year for Medallion, with solid performance across our core financial metrics and operating segments. We delivered increases in net interest income, net income, originations, and portfolio size on both a qu ...

Core Insights - Medallion Bank has appointed Joel Cannon as Senior Vice President of Sales and Marketing, aiming to enhance its leadership in recreation lending and expand its home improvement finance and strategic partnership businesses [1][4]. Group 1: Appointment and Background - Joel Cannon brings over 20 years of leadership experience in consumer lending, performance marketing, and product development, previously serving as SVP of Sales and Marketing at Regions Home Improvement Financing [2]. - Prior to his banking career, Joel held leadership roles in product, sales, and marketing at an edtech software start-up and a performance marketing firm, and he is a former board member of the Utah Bankers Association [3]. Group 2: Company Strategy and Vision - The appointment of Joel Cannon reflects Medallion Bank's commitment to maintaining its leadership position in recreation lending while growing its home improvement finance and strategic partnership businesses [4]. - Joel expressed enthusiasm for leading growth initiatives in home improvement and recreation lending, focusing on providing flexible and innovative financing options to contractors, dealers, partners, and borrowers [5].

Core Insights - Medallion Bank reported a net income of $19.4 million for Q4 2025, an increase from $15.6 million in the same period last year, driven by the sale of taxi medallion assets and growth in recreation loan volume [4][6] - The bank's total loan portfolio reached $2.4 billion as of December 31, 2025, up from $2.2 billion a year earlier, with significant contributions from recreation and home improvement loans [6][11] - Strategic partnership loan originations surged to $258 million in Q4 2025, compared to $123.7 million in Q4 2024, indicating strong growth in this segment [6][11] 2025 Fourth Quarter Highlights - Net interest income for Q4 2025 was $55.9 million, compared to $53.1 million in Q4 2024, reflecting a net interest margin of 8.51% [6][11] - Total non-interest income increased to $11.7 million, primarily due to the sale of taxi medallion assets [6][11] - Charge-offs rose to 3.35% of average loans outstanding, up from 3.28% in the prior year quarter, but were offset by a reduction in home improvement losses [6][11] 2025 Full-Year Highlights - Annual net income for 2025 was $72.2 million, a 19% increase from $60.6 million in 2024 [6][11] - Total provision for credit losses for the year was $81.2 million, compared to $75.8 million in 2024, reflecting growth in the loan portfolio [6][11] - The bank's return on assets and return on equity improved to 2.84% and 17.05%, respectively, compared to 2.52% and 16.62% in 2024 [6][11] Recreation Lending Segment - The recreation loan portfolio grew to $1.617 billion as of December 31, 2025, from $1.422 billion a year earlier, with Q4 loan originations of $97.2 million, up from $72.2 million [5][11] - Delinquency rates for recreation loans decreased to 5.93% as of December 31, 2025, down from 6.15% a year prior [11] - The provision for recreation credit losses was $25.0 million in Q4 2025, compared to $17.7 million in the prior year quarter [11] Home Improvement Lending Segment - The home improvement loan portfolio decreased to $810.2 million as of December 31, 2025, from $827.2 million in 2024, with Q4 loan originations of $61.7 million, down from $82.5 million [11] - Delinquency rates for home improvement loans improved to 1.05% as of December 31, 2025, from 1.11% a year earlier [11] - The provision for home improvement credit losses was $1.3 million in Q4 2025, significantly lower than $4.4 million in the prior year quarter [11] Capital and Dividends - The issuance of Series G preferred stock and redemption of Series F preferred stock increased the bank's capital by a net $27.1 million, raising total capital to $450.2 million as of December 31, 2025 [6][11] - A quarterly cash dividend of $0.5625 per share on Series G preferred stock was declared, payable on April 1, 2026 [8]

Core Insights - Medallion Bank has announced the promotion of Justin Haley to President and Travis Betenson to SVP and Chief Financial Officer, effective January 12, 2026 [1] Group 1: Leadership Changes - Justin Haley has over 30 years of experience in banking, joining Medallion Bank in 2011 as VP of Home Improvement Lending and progressing through various leadership roles, including SVP and COO [2] - Travis Betenson joined Medallion Bank in January 2024 as VP of Finance and has over 15 years of banking leadership experience, previously serving as CFO for two industrial banks in Utah [3] Group 2: Executive Team Dynamics - CEO Donald Poulton expressed confidence in the leadership capabilities of both Haley and Betenson, highlighting their collaborative efforts and the strong executive core that includes Chief Lending Officer Steve Hannay [4] Group 3: Company Overview - Medallion Bank specializes in consumer loans for recreational vehicles, boats, and home improvements, and provides loan origination services to fintech partners, operating as a Utah-chartered, FDIC-insured industrial bank [5]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-37747 MEDALLION FINANCIAL CORP. (Exact Name of Registrant as Specified in Its Charter) DELAWARE 04-3291176 (State of Incorpo ...

Exhibit 99.1 FOR IMMEDIATE RELEASE: MEDALLION FINANCIAL CORP. REPORTS 2025 THIRD QUARTER RESULTS NEW YORK, NY – October 29, 2025 – Medallion Financial Corp. (NASDAQ: MFIN, "Medallion" or the "Company"), a specialty finance company that originates and services loans in various consumer and commercial industries, along with offering loan origination services to fintech strategic partners, today announced its financial results for the three and nine months ended September 30, 2025. 2025 Third Quarter Highlight ...

Core Insights - Medallion Bank reported a net income of $19.8 million for Q3 2025, an increase from $15.5 million in the same quarter last year, driven by growth in recreation loans and stable performance in home improvement loans [3][6] - The bank's total loan portfolio was $2.3 billion as of September 30, 2025, down from $2.4 billion a year earlier, with recreation loans making up 66% of the total [6][7] - Strategic partnership loan originations reached a record $208 million in the quarter, indicating strong demand for consumer loans [3] Financial Performance - Net interest income increased to $55.9 million from $53.2 million year-over-year, with a net interest margin of 8.64%, up from 8.44% [6] - Total non-interest income rose to $2.3 million compared to $0.6 million in the prior year quarter [6] - The provision for credit losses decreased to $17.2 million from $20.2 million in the prior year quarter, reflecting improved asset quality [6] Loan Segments - The recreation loan portfolio was $1.546 billion as of September 30, 2025, with loan originations of $141.7 million, slightly up from $139.1 million in the prior year quarter [7] - Home improvement loan portfolio size was $804.0 million, down from $814.1 million a year earlier, with loan originations of $59.7 million [5][14] - Delinquencies for recreation loans increased to 4.97% from 4.15% year-over-year, while home improvement loans saw a decrease in delinquencies to 0.92% from 1.02% [7][14] Capital and Dividends - The bank's Tier 1 leverage ratio was 17.5% as of September 30, 2025, indicating strong capital position [6] - A quarterly cash dividend of $0.5625 per share on Series G preferred stock was declared, payable on January 2, 2026 [9]

Financial Performance - Net interest income for the three months ended June 30, 2025, was $53.37 million, compared to $49.87 million for the same period in 2024, reflecting a growth of approximately 5.0%[218] - Net interest income for the six months ended June 30, 2025, was $104,782 thousand, compared to $97,785 thousand for the same period in 2024[221] - The net interest margin, gross, was 8.78% for the three months ended June 30, 2025, down from 9.18% in 2024[275] - The total interest income for the six months ended June 30, 2025, was $101.6 million, up 11.8% from $91.4 million in 2024[260] - The total interest income rose to $77.4 million and $152.9 million for the three and six months ended June 30, 2025, up from $70.7 million and $137.8 million in 2024, reflecting a growth of 9.5% and 10.9%[293] - Net income after taxes for the three months ended June 30, 2025, was $9.9 million, an increase of 48% from $6.7 million in 2024[260] - Net income after taxes for the six months ended June 30, 2025, was $8,207,000, up from $4,058,000 in 2024, representing a growth of 102.7%[275] - Net income attributable to shareholders increased to $11.1 million and $23.1 million for the three and six months ended June 30, 2025, compared to $7.1 million and $17.1 million for the same periods in 2024, representing increases of 56.3% and 35.3% respectively[292] Loan Portfolio - Consumer loans represented 95% of the gross loan portfolio, while commercial loans accounted for 5%[203] - Total gross loans as of June 30, 2025, amounted to $2,485.1 million, with notable growth in the recreation segment[234] - Loan originations for the six months ended June 30, 2025, totaled $656.7 million, compared to $482.2 million for the same period in 2024[235] - The recreation loan portfolio was valued at $1.5 billion as of June 30, 2025, with an average interest rate of 15.12%, up 32 basis points from the previous year[255] - The home improvement loan portfolio totaled $803.5 million as of June 30, 2025, with an allowance for credit losses increasing by 11% year-over-year[265] - The average loan size in the recreation loan portfolio was approximately $21,000 as of June 30, 2025[253] - The commercial lending segment originated $19.1 million in new loans during the six months ended June 30, 2025[273] Credit Quality - The allowance for credit losses was $103.12 million as of June 30, 2025, up from $86.65 million in the previous year[218] - The provision for credit losses for the three months ended June 30, 2025, was $21.6 million, compared to $18.6 million for the same period in 2024, reflecting rising loss rates and fluctuations in delinquencies[238] - The allowance for credit losses as a percentage of nonaccrual loans was 288.09% as of June 30, 2025[244] - The total loans 90 days or more past due increased to $28.96 million (1.2%) as of June 30, 2025, compared to $27.74 million (1.1%) at December 31, 2024[248] - The weighted average FICO score for outstanding recreation loans was 685 as of June 30, 2025, consistent with the previous year, indicating stable credit quality[222] - The net charge-offs as a percentage of average loans receivable were 2.44% and 2.77% for the three and six months ended June 30, 2025, compared to 2.20% and 2.68% in 2024, indicating a rise in credit risk[296] Interest Rates and Borrowing - The average cost of interest-bearing liabilities was 4.20% for the three months ended June 30, 2025, compared to 3.82% for the same period in 2024[218] - The average interest cost for the six months ended June 30, 2025, was 4.19%, up 44 basis points from 3.75% in the same period of 2024, primarily due to the higher cost of deposits[224] - The average interest rate for trust preferred securities is 6.70%, with a maturity date of September 2037[332] - The average interest rate for privately placed notes is 8.12%, with maturities ranging from February 2026 to August 2039[332] - The company expects borrowing costs to further increase due to higher prevailing rates on deposits and borrowings[230] - The average cost of borrowed funds increased to 4.20% and 4.19% for the three and six months ended June 30, 2025, compared to 3.82% and 3.75% in 2024, reflecting an increase of 38 and 44 basis points[298] Strategic Initiatives - The strategic partnership program with fintech companies was launched in 2019, with the first loans issued in 2020, and continues to expand[208] - The company is considering various alternatives for the Bank, including an initial public offering or potential sale, with no set deadline for these considerations[209] - The company continues to seek SBA funding, with an $18.5 million commitment obtained in February 2024, of which $10.3 million is currently drawable[231] - The company is exploring various financing options, including the sale or spinoff of certain assets, to support external expansion and internal growth[329] Operational Metrics - The company maintains relationships with approximately 3,300 dealers and financial service providers, with the top ten responsible for 40% of new loan originations in recreation lending for the six months ended June 30, 2025[252] - The company maintains relationships with approximately 700 contractors and FSPs in the home improvement lending segment, with the top ten contractors responsible for 64% of new loan originations[263] - The company has various liquidity sources, including brokered certificates of deposit, unfunded commitments, and loan sales, to support its operations[311] - The company has utilized borrowing arrangements with other banks and generated liquidity through deposits and SBA debentures[334] Capital Management - The company issued 3,100,000 shares of Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series G, in May 2025, raising net proceeds of $73.1 million with a fixed dividend rate of 9.00% per annum[312] - The company has authorized a stock repurchase program of up to $40 million, with $14,406,534 remaining for repurchase as of June 30, 2025[336] - The company redeemed its Series F Preferred Stock for an aggregate amount of $46.0 million on July 1, 2025, resulting in a charge of approximately $3.5 million to earnings attributable to common shareholders[320] Market Risk and Interest Rate Exposure - The company actively monitors interest rate exposure to mitigate adverse effects on future earnings, utilizing net interest income sensitivity analysis as a primary metric[309] - As of June 30, 2025, the company's interest rate sensitive assets totaled $2.7 billion, while interest rate sensitive liabilities were $2.3 billion, resulting in a one-year cumulative interest rate gap of negative $563.4 million, or 21% of interest rate sensitive assets[309] - Loan prepayments are significantly influenced by general interest rates and economic conditions, impacting funding sources[333] - There has been no material change in market risk disclosures since the last annual report filed[338]

Exhibit 99.1 FOR IMMEDIATE RELEASE: MEDALLION FINANCIAL CORP. REPORTS 2025 SECOND QUARTER RESULTS Reports 56% Increase in Net Income as Compared to the Prior Year Quarter Announces Third Quarter 2025 Dividend of $0.12 Per Share NEW YORK, NY – July 30, 2025 – Medallion Financial Corp. (NASDAQ: MFIN, "Medallion" or the "Company"), a specialty finance company that originates and services loans in various consumer and commercial industries, along with offering loan origination services to fintech strategic part ...

Core Insights - Medallion Bank reported a net income of $17.3 million for Q2 2025, an increase from $15.0 million in the same quarter last year, highlighting strong earnings growth and significant capital market activities [3][6] - The bank's total loan portfolio grew by 1% year-over-year to $2.3 billion as of June 30, 2025, with strategic partnership volumes increasing by 24% from Q1 2025 [4][6] Financial Performance - Net interest income reached $53.9 million, up from $50.2 million in the prior year quarter, while total non-interest income increased to $2.7 million from $0.9 million [6] - The net interest margin slightly decreased to 8.54% from 8.55% year-over-year [6] - Annualized net charge-offs rose to 2.66% of average loans outstanding compared to 2.31% in the prior year quarter [6] Loan Portfolio Details - The recreation loan portfolio decreased by 0.8% to $1.486 billion, with loan originations at $142.8 million, down from $209.6 million in the prior year quarter [7] - The home improvement loan portfolio grew by 4% to $803.5 million, with loan originations at $54.3 million, compared to $68.0 million in the prior year quarter [12] - Delinquency rates for home improvement loans improved, remaining stable at 0.86%, while recreation loans saw an increase in delinquencies to 4.42% [7][12] Capital Market Activities - The bank completed a $77.5 million Series G preferred stock offering and redeemed $46 million of Series F preferred securities [3][4] - The Series F preferred stock was fully redeemed on July 1, 2025, with no further dividends to be paid [8] Strategic Partnerships - Strategic partnership volumes reached $169 million in Q2 2025, reflecting a 24% increase from $136 million in Q1 2025 [4]