Core Viewpoint - The digital banking space is identified as an attractive investment arena, with a focus on companies like Alkami Technology and Q2 Holdings, which are modernizing customer-facing software for credit unions and regional banks [1][3]. Company Summaries - **Alkami Technology**: - Rated as Overweight by the analyst, with organic revenue growth exceeding 20% and trading at six times EV/Sales for 2026E [4]. - Holds less than 5% market share in a ~$10 billion market, with up to 60% of the market being an addressable opportunity [3]. - Benefits from high customer retention and long contract lengths, supporting revenue visibility [1]. - **Q2 Holdings**: - Also rated as Overweight, with similar characteristics to Alkami Technology in terms of customer retention and contract lengths [1]. - Holds less than 10% market share in the same ~$10 billion market, with significant growth potential [3]. - **nCino**: - Rated as Neutral, focusing on cloud-based banking software solutions for financial institutions [2]. - The analyst has noted idiosyncratic factors that have kept her on the sidelines regarding nCino compared to broader vertical SaaS [2]. Market Dynamics - The digital banking industry is characterized by a defensive monetization model based on the number of bank accounts and products subscribed to by banks [2]. - The opportunity for improving bank efficiency is described as seemingly limitless, indicating a strong growth potential for the sector [2]. Price Actions - As of publication, stock prices are as follows: - Alkami Technology (ALKT) is up 5.26% at $28.24 - Q2 Holdings (QTWO) is up 3.56% at $89.07 - nCino (NCNO) is down 0.44% at $26.96 [5].

Core Insights - Q2 Metals Corp. has reported strong assay results from the remaining 10 drill holes of the 2025 Winter Program at the Cisco Lithium Project, indicating significant mineralization potential [3][4][6] Summary by Sections Assay Results - A total of 6,980 meters were drilled over 14 holes during the 2025 Winter Program, with 4,409 meters of results reported from the last 10 holes [4] - Notable intervals include: - CS25-029: 26.5 meters at 1.25% Li2O - CS25-031: 33.9 meters at 1.19% Li2O - CS25-033: 27.3 meters at 1.39% Li2O - CS25-028: 49.4 meters at 1.33% Li2O - CS25-030: 52.7 meters at 0.83% Li2O - CS25-036: 64.3 meters at 1.34% Li2O [5][6] Exploration Target - BBA Engineering Ltd. has been engaged to create an Exploration Target for the Cisco Project, which will provide early guidance on the potential scale and grade of the mineralized zone [6][19] - The Exploration Target aims to conceptualize the potential quantity and grade of the mineral deposit based on geological evidence [19] Ongoing Exploration - A detailed mapping and sampling campaign covering 41,253 hectares of the Cisco Project began in May 2025, with 348 rock samples collected so far [20] - The exploration program will continue through the summer, focusing on areas with anomalous trace-element geochemistry [20] Upcoming Events - Q2 Metals will attend the Fastmarkets 17 Lithium Supply and Battery Raw Materials Conference in Las Vegas from June 23-26, 2025 [22] Company Overview - Q2 Metals is a Canadian mineral exploration company focused on the Cisco Lithium Project, which consists of 801 claims totaling 41,253 hectares [27] - The project is strategically located near key infrastructure, including the Billy Diamond Highway and the Town of Matagami [27]

Highlights: Assay results from four (4) drill holes from the 2025 Winter Program at the Cisco Lithium Project with strong analytical results are reported herein, including: CS25-027: Three major intervals: 179.6 m at 1.66% Li2O; 58 m at 1.75% Li2O; and91.8 m at 1.81% Li2O. CS25-024A: Widest interval of 39.5 m at 1.16% Li2O.CS25-025: Widest interval of 29.0 m at 1.10% Li2O.CS25-026: Widest interval of 23.9 m at 1.46% Li2O. Assays for the 10 remaining drill holes from the winter program are pending. VANCOUVE ...

Core Insights - Koxa Corp. has launched its Treasury Gateway platform in collaboration with Q2 Direct ERP, aimed at enhancing banking operations for commercial customers within their ERP systems [1][4] - The integration allows treasury clients to manage payments and reporting directly from their ERP environment, improving efficiency and reducing risks [3][6] Company Overview - Koxa Corp. specializes in ERP-banking solutions, connecting banks to corporate treasury clients and enabling banking functionalities within ERP systems [6] - Q2 Holdings, Inc. is a provider of digital transformation solutions for financial services, serving a range of financial institutions both in the U.S. and internationally [2][7] Product Features - Koxa's Treasury Gateway enables clients to submit, approve, and release payments, track payment statuses, and access reporting data without leaving their ERP [3][6] - The platform is pre-integrated via Q2 Innovation Studio, facilitating rapid deployment for financial institutions [5] Market Demand - There is a growing demand for ERP connectivity in the banking sector, prompting partnerships like that of Koxa and Q2 to enhance treasury management solutions [5]

Core Insights - The article does not provide specific insights or analysis regarding any companies or industries, focusing instead on disclaimers and disclosures related to investment positions and opinions [1][2] Summary by Categories - **Company Analysis**: No specific company analysis or performance data is provided in the article [1][2] - **Industry Insights**: The article lacks any insights or trends related to specific industries [1][2] - **Market Performance**: There are no references to market performance or financial metrics in the content [1][2]

Core Insights - Q2 Holdings, Inc. reported strong earnings for Q1, with earnings per share of 50 cents, surpassing the analyst consensus estimate of 47 cents [1] - The company achieved quarterly sales of $189.74 million, exceeding the analyst consensus estimate of $186.67 million [1] Financial Performance - The first quarter bookings performance was characterized by significant renewals and expansion activity, indicating the value of the company's solutions [2] - Q2 Holdings raised its FY2025 sales guidance from a range of $772 million-$779 million to $776 million-$783 million [2] Stock Market Reaction - Following the earnings announcement, Q2 Holdings shares increased by 7.7%, trading at $86.46 [3] - Analysts adjusted their price targets for Q2 Holdings after the earnings report, with some maintaining their ratings [3][8] Analyst Opinions - Needham analyst Mayank Tandon maintained a Buy rating on Q2 Holdings but lowered the price target from $125 to $110 [8] - Baird analyst Jon Vruwink maintained a Neutral rating and raised the price target from $84 to $90 [8]

Core Viewpoint - The conference call is focused on Q2 Holdings' financial results for the first quarter of 2025, highlighting the company's performance and future expectations in the financial services industry [2][3]. Company Participants - Key participants in the conference call include Matt Flake (CEO), Jonathan Price (CFO), and Kirk Coleman (President), along with Josh Yankovich (Investor Relations) leading the discussion [1][3]. Industry Context - The call includes forward-looking statements regarding the sales, operating, and financial performance of Q2 Holdings and the broader financial services industry, indicating a focus on future growth and challenges [3].

Company Performance - Q2 Holdings reported quarterly earnings of $0.54 per share, exceeding the Zacks Consensus Estimate of $0.48 per share, and up from $0.31 per share a year ago, representing an earnings surprise of 12.50% [1] - The company posted revenues of $189.74 million for the quarter ended March 2025, surpassing the Zacks Consensus Estimate by 1.73%, compared to year-ago revenues of $165.51 million [2] - Over the last four quarters, Q2 Holdings has surpassed consensus revenue estimates four times, but has only beaten consensus EPS estimates once [2] Stock Outlook - Q2 Holdings shares have declined approximately 21.2% since the beginning of the year, while the S&P 500 has decreased by 4.7% [3] - The current consensus EPS estimate for the upcoming quarter is $0.50 on revenues of $191.56 million, and for the current fiscal year, it is $2.13 on revenues of $774.84 million [7] Industry Context - The Internet - Software industry, to which Q2 Holdings belongs, is currently ranked in the top 37% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8] - Empirical research suggests a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can impact Q2 Holdings' stock performance [5]

Q2 (QTWO) Q1 2025 Earnings Call May 07, 2025 05:00 PM ET Company Participants Josh Yankovich - Senior Director, Investor Relations & Corporate FP&AMatt Flake - CEO & Chairman of The BoardJonathan Price - CFOParker Lane - Managing Director - Equity ResearchTerry Tillman - Managing DirectorKirk Coleman - PresidentAdam Hotchkiss - VP - Emerging Software Equity ResearchDan Perlin - Managing DirectorMichael Infante - Vice President - Equity Research Conference Call Participants Alex Sklar - AnalystJoe Vruwink - ...

FORM 10-Q (Mark One) Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 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 001-36350 Q2 Holdings, Inc. Exact Name of Registrant as Specified in its Charter Delaware ...