Date: Wednesday, February 11, 2026 Time: 5:00 p.m. EST Hosts: Matt Flake, Chairman, President & CEO / Jonathan Price, CFO Webcast Registration: https://events.q4inc.com/attendee/209957102 ...

Highlights: CS25-065: Five (5) separate intervals, including: 179.2 m at 1.24% Li2O; and15.7 m at 1.48% Li2O. Drill hole CS25-065, located north of the known Mineralized Zone and west of the CO1 outcrop, extends the system to the north at shallow depths where mineralization was not expected. CS25-057: Six (6) separate intervals, including: 49.8 m at 1.41% Li2O; and35.8 m at 1.51% Li2O. To date, a total of 74 drill holes for 31,961 m have been completed at the Cisco Project with assays pending on the remaini ...

Q2 Holdings, Inc. (NYSE:QTWO) is one of the best FinTech stocks to buy in 2026, and Wall Street still leans constructive even after a choppy tape. Analysts tracked by MarketBeat currently assign QTWO a “Moderate Buy” consensus rating, with an average 12‑month price target of $97.40. That implies roughly 34% upside from the stock’s latest levels. The full range of price targets spans $60 to $126, showing some dispersion in views but a generally bullish skew among the coverage. In other words, the Street is ...

Core Points - Q2 Metals Corp. announced that all matters at the Annual General Meeting held on December 9, 2025, were approved, with 73,179,989 common shares represented, accounting for 38.62% of the outstanding shares as of October 24, 2025 [1] - A live year-end webcast presentation is scheduled for December 18, 2025, where management will review the company's 2025 performance and outline plans for 2026 [2] - Q2 Metals is focused on the Cisco Lithium Project located in Quebec, Canada, which is strategically positioned near infrastructure [3] Exploration Potential - The Cisco Project has an initial Exploration Target estimating lithium mineralization between 215 to 329 million tonnes at grades of 1.0 to 1.38% Li2O, based on the first 40 drilled holes [4] - The ongoing 2025 Exploration Program prioritizes infill drilling, with an initial mineral resource estimate expected in Q1 2026, while expansion drilling continues at high-potential targets across the 41,253-hectare project area [5]

Core Viewpoint - Q2 Holdings (QTWO) shares have increased by 17.3% in the past four weeks, closing at $71.01, with a potential upside of 26.3% based on Wall Street analysts' mean price target of $89.71 [1] Price Targets and Analyst Estimates - The mean estimate consists of 14 short-term price targets with a standard deviation of $10.67, indicating variability among analysts; the lowest estimate is $74.00 (4.2% increase), while the highest is $110.00 (54.9% increase) [2] - A low standard deviation suggests a high degree of agreement among analysts regarding the stock's price movement direction [9] Earnings Estimates and Analyst Consensus - Analysts are optimistic about QTWO's earnings prospects, as indicated by a positive trend in earnings estimate revisions, which have increased by 17.4% over the past month with five upward revisions and no negative ones [11][12] - QTWO holds a Zacks Rank 1 (Strong Buy), placing it in the top 5% of over 4,000 ranked stocks based on earnings estimates, indicating strong potential for upside [13] Caution on Price Targets - While price targets are commonly referenced by investors, they can often mislead; empirical research shows that they rarely indicate actual stock price movements [7][10] - Analysts may set overly optimistic price targets due to business incentives, which can inflate expectations [8]

Core Insights - Q2 Metals Corp. reports significant progress in its 2025 drill program at the Cisco Lithium Project, highlighting drill hole 44 as a major discovery with extraordinary width and grade, which will support the upcoming Mineral Resource Estimate expected in Q1 2026 [2][3][4] Drill Program Results - The 2025 Drill Program has completed 2,200.4 meters of drilling across four drill holes, with notable results from drill hole CS25-044, which includes two intervals of 457.4 meters at 1.65% Li2O and 36.9 meters at 1.65% Li2O [3][4] - Drill hole CS25-044 is noted as the widest continuous spodumene pegmatite interval drilled by the company to date, contributing to the initial Mineral Resource Estimate [4][10] - The ongoing drilling campaign aims to support the initial inferred Mineral Resource Estimate, with infill drilling planned to be completed in the coming weeks [4][10] Exploration Target - The Exploration Target for the Cisco Project estimates potential lithium mineralization between 215 to 329 million tonnes at grades ranging from 1.0% to 1.38% Li2O, based on the first 40 holes drilled [10][16] - The current drilling efforts are focused on infill drilling within the main mineralized zone, which remains open at depth and along strike, indicating further exploration potential [17] Upcoming Events - Q2 Metals team is participating in the Mines & Money Resourcing Tomorrow conference in London, UK, from December 2-4, 2025, to engage with industry stakeholders [11] Quality Assurance and Methods - The company employs rigorous QA/QC protocols in its sampling and analytical processes, including the use of certified reference materials and systematic insertion of blanks to ensure data integrity [12][13]

Core Insights - Q2 Metals Corp. is advancing its 2025 drill program at the Cisco Lithium Project, aiming for an initial inferred Mineral Resource Estimate by Q1 2026 [2][4][21] - The ongoing infill drilling campaign has shown promising results, confirming the consistency of the mineralized zone with significant lithium grades reported [5][7] Exploration Target - The Exploration Target for the Cisco Project estimates potential lithium mineralization between 215 to 329 million tonnes, with grades ranging from 1.0% to 1.38% Li2O, based on the first 40 drill holes [3][20] - This target is conceptual and not classified as a mineral resource or reserve, indicating further exploration is needed to define actual resources [3][20] Drilling Progress - The current drilling campaign has completed 27,295 meters over 67 holes, with four drill rigs actively operating on site [5][6] - Recent results from four drill holes include multiple intervals with high lithium grades, such as 95.1 meters at 1.56% Li2O and 81.9 meters at 1.56% Li2O [7][10] Upcoming Events - Q2 Metals will participate in the Mines & Money Resourcing Tomorrow conference in London, UK, from December 2-4, 2025, to engage with industry stakeholders [18]

Core Insights - The Alger Small Cap Focus Fund's third-quarter 2025 investor letter indicates that U.S. equity markets continued to rise, with the S&P 500 Index increasing by 8.12% due to improving economic conditions, solid corporate earnings, and expectations for monetary easing [1] - The fund's class A shares underperformed compared to the Russell 2000 Growth Index during the same period [1] Company Overview: Q2 Holdings, Inc. (NYSE:QTWO) - Q2 Holdings, Inc. is a digital solutions provider for financial institutions, offering secure, cloud-based digital banking software and related services [3] - The stock experienced a one-month return of 17.90%, but it has lost 31.35% of its value over the past 52 weeks, closing at $71.73 per share with a market capitalization of $4.485 billion as of November 27, 2025 [2] Performance Analysis - Despite reporting solid second-quarter results and raising its full-year outlook, Q2 Holdings' shares detracted from performance due to mixed signals, including higher-than-typical churn and a slight dip in gross margin related to cloud-migration costs [3] - The company is believed to be well-positioned to benefit from the ongoing digitization of banking and expanding relationships with larger institutions, despite the recent valuation reset and mixed sell-side signals [3] Hedge Fund Interest - Q2 Holdings, Inc. was held by 28 hedge fund portfolios at the end of the third quarter, a decrease from 29 in the previous quarter [4] - While the potential of Q2 Holdings as an investment is acknowledged, certain AI stocks are considered to offer greater upside potential with less downside risk [4]

Company Overview - Q2 is the largest standalone digital banking company globally, with 22 years of experience in the industry [1] - The company serves approximately 450 digital banking customers, including 40% of the top 100 banks and 40% of the top 100 credit unions [1] Competitive Differentiation - Q2's competitive edge lies in its single platform, which was designed to cater to a wide range of banking customers, from small banks to those with assets up to $500 billion [2]

Summary of Q2 FY Conference Call Company Overview - **Company**: Q2 Holdings, Inc. (NYSE: QTWO) - **Industry**: Digital Banking and FinTech - **Position**: Largest standalone digital banking company globally with 450 digital banking customers, including 40% of the top 100 banks and credit unions [3][4][6] Core Differentiation and Solutions - **Single Platform**: Q2 offers a unified digital banking experience across mobile, tablet, and desktop, enhancing operational efficiency for banks [4][5] - **Target Market**: Focuses on banks and credit unions with assets of $750 million and above, targeting approximately 2,000 institutions [6][7] - **Product Bundling**: Offers a suite of products including fraud solutions and a marketplace (Innovation Studio) for fintech integration [6][8] Revenue Segmentation - **Revenue Composition**: As of Q3, 82% of revenue is subscription-based, which is the highest margin and fastest-growing segment [9][10] - **Digital Banking Revenue**: Represents over 80% of total revenue, with significant contributions from fraud solutions and Innovation Studio [9][10] Growth Drivers - **Customer Expansion**: Increasing revenue from existing customers, with a shift from a 50/50 mix of new and existing logos to a 60/40 or 65/35 mix [11][12] - **Macro Environment Impact**: Rising interest rates and bank consolidation have driven demand for Q2's solutions, leading to record bookings in 2023 [14][17] Industry Trends and Challenges - **Bank M&A Activity**: Q2 has benefited from the consolidation in the banking sector, retaining a high percentage of clients post-acquisition [20][21] - **Interest Rates**: Higher rates have created a favorable environment for Q2, as banks seek to enhance their operational capabilities [18][19] Margin Expansion and Financial Health - **Profitability Focus**: Transitioned to a strategy of profitable growth, achieving approximately $150 million in free cash flow with a 90% conversion from EBITDA [22][23] - **Future Projections**: Expected gross margins to exceed 60% in 2026, with an anticipated EBITDA expansion of 250 basis points [24][25] AI Integration and Competitive Landscape - **AI Initiatives**: Q2 is committed to integrating AI across its platform to enhance efficiency and customer experience, leveraging existing data and relationships [26][28] - **Competitive Position**: Competes primarily with legacy providers like Jack Henry, Fiserv, and FIS, with a favorable win rate in the market [32][34] Future Opportunities - **Emerging Trends**: Q2 sees potential in stablecoins, real-time payments, and open banking, positioning itself to partner and innovate in these areas [35][36] - **Market Penetration**: Less than 5% penetration in the banking space indicates significant growth opportunities ahead [54][55] Capital Allocation Strategy - **Share Buyback Authorization**: Reflects improved cash flow generation, allowing for opportunistic buybacks while maintaining flexibility for investments and M&A [41][44] Conclusion - **Long-term Outlook**: Q2 is well-positioned for growth with a strong focus on customer experience, innovative solutions, and a robust financial strategy, anticipating continued demand in the digital banking sector [54][55]