Edmonton, Alberta--(Newsfile Corp. - January 9, 2026) - Everyday People Financial Corp. (TSXV: EPF) (OTCQB: EPFCF) ("Everyday People" or the "Company"), a technology-driven financial services provider, is pleased to announce that its wholly-owned subsidiary, BPO Collections Limited ("BPO"), has successfully completed the acquisition of ACT Credit Management Limited ("ACT") as of January 7, 2026 (the "Acquisition"). The Acquisition follows approval by the Financial Conduct Authority (the "FCA") in the Unite ...

PresentationHello, and welcome to the 2025 RCM Technologies, Inc. Annual Meeting of Stockholders. Please note that this meeting is being recorded. Questions may be submitted through the message icon at the top left of your screen. Type in your message, then click on the Send Icon to the right of the message box.Bradley ViziExecutive Chairman & President Thank you. Good afternoon, everyone, and welcome to RCM Technologies 2025 Annual Meeting of Stockholders. Thank you for joining our virtual meeting. Today, ...

PresentationSo hi, everyone, and welcome to today's Capital Markets Day to our headquarters and tech center here in Kongsberg. Before we get started on today's presenters, and this is today's agenda and the agenda up on the screen visible for everyone to see.Olav Volldal Thank you, good to see all of you. Some of you might know that I have been with the company for a few months before -- I'm sorry, 25 years from '85 to 2010, I was the CEO here. And now I'm back as the Chair, which was a surprise to me. So s ...

Core Insights - Everyday People Financial Corp. reported a record revenue growth of 51% in its Revenue Cycle Management (RCM) segment and expanded its AnyDay Tip Payments Program [1][2] Financial Performance - Q3 revenue increased by 6% to $18.9 million compared to $17.8 million in Q3 2024, while nine-month revenues rose 21% year-over-year to $58.7 million from $48.3 million [1] - RCM segment revenue surged by 51% in Q3 to $18.8 million from $12.5 million in Q3 2024, with nine-month revenue increasing 40% year-over-year to $51.6 million from $36.9 million [2][3] RCM Segment Growth - The RCM operations experienced organic expansion and strategic acquisitions, contributing to double-digit growth in revenue and profitability [3] - The addition of ACT Credit Management positions the company to exceed $100 million in RCM revenue in 2026, targeting a 20% EBITDA margin [4] Financial Services Expansion - The execution of a Management Services Agreement with XTM Inc. allows Everyday People Payments to manage Canadian network-branded card and wallet programs, with expected processing of $750 million to $1 billion in tip and wage disbursements in 2026 [5][4] - The Everyday Health Spending Account (HSA) platform is expected to generate annual revenues of $5 to $7 million at launch, with high contribution margins [7] Operational Strategy - The company emphasizes disciplined cost controls and operational scalability to drive sustainable shareholder value [8] - The growth strategy focuses on expanding RCM leadership, scaling financial services, and delivering strong financial performance under a capital-light model [11] Key Financial Highlights - Adjusted EBITDA for Q3 2025 was $2.341 million, down from $3.085 million in Q3 2024, while nine-month adjusted EBITDA was $6.679 million compared to $8.569 million in the previous year [9] - The adjusted EBITDA for the RCM segment for Q3 2025 was $2.728 million, significantly up from $1.394 million in Q3 2024 [12]

Financial Data and Key Metrics Changes - Consolidated gross profit for Q3 2025 was $19.4 million, an increase of 8.8% compared to Q3 2024 [13] - Adjusted EBITDA for Q3 2025 was $5.5 million, slightly down by 1.4% from $5.6 million in Q3 2024 [13] - Adjusted EPS remained stable at $0.42 for both Q3 2025 and Q3 2024 [13] Business Line Data and Key Metrics Changes - In healthcare, gross profit for Q3 2025 was $9.0 million, up 8.5% from $8.3 million in Q3 2024, with school revenue growing 20.7% to $24.4 million [13][14] - Engineering gross profit for Q3 2025 reached $6.9 million, a 17.3% increase from $5.9 million in Q3 2024, marking the best engineering gross profit quarter in company history [15] - IT, life sciences, and data solutions group gross profit for Q3 2025 was $3.5 million, down 4.2% from $3.7 million in Q3 2024 [16] Market Data and Key Metrics Changes - The company reported a record engineering backlog for 2026, exceeding $70 million, compared to $21 million for 2025 at the same time last year [15] - Billable hours for the first four weeks of October 2025 increased by 18% compared to the same period in 2024, indicating strong momentum heading into Q4 [15] Company Strategy and Development Direction - The company is focusing on expanding its healthcare services and enhancing its brand awareness, which has led to increased traction and a stronger talent pool [2][3] - In life sciences, the company is capitalizing on industry shifts by partnering with AI-driven companies to streamline compliance and reduce turnaround times [5] - The engineering segment is emphasizing its integrated model and strategic partnerships to enhance procurement agility and mitigate resource bottlenecks [9] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about Q4 2025, expecting it to yield the highest quarterly gross profit and adjusted EBITDA of the fiscal year [17] - The company anticipates continued growth in the aerospace and defense sectors, with many programs still in their infancy [12] - Management acknowledged challenges with medical costs but indicated that measures are being taken to address these long-term [20][44] Other Important Information - The company experienced excess medical costs of approximately $1.8 million year-to-date, with Q3 particularly impacted [3] - SG&A expenses included $800,000 in medical claims over budget for Q3 alone [16] Q&A Session Summary Question: Impact of foreign candidates in the healthcare group - Management indicated that they have a pipeline of at least 300 nurses ready to come over if visa issues are resolved, with potential for 50-60 nurses in the near term [18][19] Question: Predictability of excess medical costs - Management suggested that the current level of excess medical costs is likely to continue into Q4, with long-term measures being implemented to reduce these costs [20] Question: Performance of the industrial process segment - Management noted that while the industrial process segment is stable, it requires a different trajectory for growth, with potential upside expected in 2026 [25][27] Question: Growth opportunities in energy services - Management confirmed that energy services are a significant growth area, focusing on tier-one utility clients and exploring new partnerships [30][32] Question: Capital allocation and share buyback program - Management discussed the balance between available debt and the share buyback program, emphasizing the undervaluation of their stock and the potential for future dividends [56][58]

分组1 - RCM Technologies, Inc. reported quarterly earnings of $0.42 per share, missing the Zacks Consensus Estimate of $0.45 per share, and showing a decrease from $0.44 per share a year ago, resulting in an earnings surprise of -6.67% [1] - The company posted revenues of $70.29 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 2.97%, and an increase from $60.37 million year-over-year [2] - Over the last four quarters, RCM Technologies has surpassed consensus EPS estimates two times and topped consensus revenue estimates three times [2] 分组2 - The stock has added about 4.1% since the beginning of the year, underperforming compared to the S&P 500's gain of 15.1% [3] - The current consensus EPS estimate for the coming quarter is $0.61 on $83 million in revenues, and for the current fiscal year, it is $2.38 on $313.91 million in revenues [7] - The Zacks Industry Rank indicates that the Staffing Firms industry is currently in the bottom 15% of over 250 Zacks industries, which may impact stock performance [8]

Revenue Performance - RCM Technologies reported revenue of $70.3 million for the thirteen weeks ended September 27, 2025, a 16.4% increase from $60.4 million in the prior year[3] - For the thirty-nine weeks ended September 27, 2025, revenue was $232.9 million, a 15.6% increase from $201.5 million in the prior year[4] - Consolidated revenue for the thirteen weeks ended September 27, 2025, was $70,289,000, an increase from $60,365,000 in the same period last year, representing a growth of 16.0%[19] - For the thirty-nine weeks ended September 27, 2025, consolidated revenue reached $232,928,000, up from $201,468,000 in the prior year, reflecting an increase of 15.6%[19] Profitability - Gross profit for the current quarter was $19.4 million, reflecting an 8.8% increase compared to $17.8 million in the comparable prior quarter[3] - The gross profit for the thirty-nine weeks ended September 27, 2025, was $63,665,000, an increase from $58,209,000 in the prior year, marking a growth of 9.4%[19] - GAAP net income for the current quarter was $2.3 million, or $0.30 per diluted share, down from $2.7 million, or $0.35 per diluted share, in the prior year[3] - The net income for the thirteen weeks ended September 27, 2025, was $2,259,000, a decrease from $2,746,000 in the same period last year, showing a decline of 17.7%[23] - Adjusted net income per diluted share for the current period was $1.73, an increase of 12.3% from $1.54 in the prior year[4] Expenses and Cash Flow - Selling, general and administrative expenses for the current quarter were $14.9 million, compared to $13.0 million in the prior year[11] - The company reported a net cash used in operating activities of $1,262,000 for the thirteen weeks ended September 27, 2025, compared to $4,344,000 in the same period last year, indicating an improvement in cash flow[23] Balance Sheet - Total current assets as of September 27, 2025, were $94,927,000, slightly down from $97,038,000 at December 28, 2024[21] - Total liabilities decreased to $88,437,000 as of September 27, 2025, compared to $98,593,000 at December 28, 2024, a reduction of 10.3%[21] - Cash and cash equivalents decreased to $1,309,000 as of September 27, 2025, from $4,729,000 at December 28, 2024, representing a decline of 72.3%[21] - The company’s total stockholders' equity increased to $41,378,000 as of September 27, 2025, from $33,484,000 at December 28, 2024, reflecting a growth of 23.5%[21] Future Outlook - RCM Technologies expects the fourth quarter to yield the highest quarterly gross profit and adjusted EBITDA in fiscal 2025[5] - The company experienced adjusted EBITDA of $5.5 million for the current quarter, slightly down from $5.6 million in the prior year[3] - The company anticipates continued growth in its healthcare segment, contributing to overall operational performance[5] - The company reported a record engineering backlog as of the end of October 2025, indicating strong momentum heading into 2026[5]

Core Viewpoint - RCM Technologies, Inc. has experienced a decline in stock price and is underperforming compared to broader market indices, with upcoming earnings expected to show modest growth in both earnings per share and revenue [1][2][3]. Company Performance - The stock price of RCM Technologies, Inc. closed at $22.42, reflecting a decrease of 3.74% from the previous day, while the S&P 500 gained 0.53% [1]. - Over the past month, the company's shares have decreased by 15.28%, significantly underperforming the Business Services sector, which saw a loss of 4.93% [1]. Earnings Expectations - Analysts anticipate that RCM Technologies, Inc. will report earnings of $0.45 per share, representing a year-over-year growth of 2.27% [2]. - The consensus estimate for revenue is projected at $68.26 million, indicating a 13.07% increase compared to the same quarter last year [2]. Full Year Projections - For the full year, analysts expect earnings of $2.38 per share and revenue of $313.91 million, reflecting increases of 17.24% and 12.76%, respectively, from the previous year [3]. Analyst Forecast Revisions - Recent revisions to analyst forecasts for RCM Technologies, Inc. are important as they indicate changing business trends, with positive revisions suggesting increased confidence in the company's performance [4]. Valuation Metrics - RCM Technologies, Inc. is currently trading at a Forward P/E ratio of 9.79, which is lower than the industry average Forward P/E of 16.35, indicating a potential valuation discount [7]. - The Staffing Firms industry, part of the Business Services sector, ranks in the bottom 21% of all industries according to the Zacks Industry Rank [7].

Core Insights - Wall Street analysts' recommendations significantly influence investor decisions regarding RCM Technologies, Inc. (RCMT) stock, with an average brokerage recommendation (ABR) of 1.67 indicating a preference for buying the stock [1][2][5] Brokerage Recommendations - The current ABR of 1.67 is derived from three brokerage firms, with two recommendations classified as Strong Buy, accounting for 66.7% of the total recommendations [2] - Despite the positive ABR, reliance solely on brokerage recommendations may not be advisable, as studies indicate they often fail to guide investors effectively towards stocks with high price appreciation potential [5][10] Analyst Bias and Reliability - Brokerage analysts tend to exhibit a positive bias in their ratings due to vested interests, with a ratio of five Strong Buy recommendations for every Strong Sell [6][10] - This misalignment of interests suggests that brokerage recommendations may not provide reliable insights into future stock price movements [7][10] Zacks Rank vs. ABR - The Zacks Rank, a proprietary stock rating tool, is presented in whole numbers and is based on earnings estimate revisions, which correlate strongly with near-term stock price movements [8][11] - Unlike the ABR, which may not be up-to-date, the Zacks Rank reflects timely changes in earnings estimates, making it a more reliable predictor of future stock performance [12] Current Earnings Estimates for RCMT - The Zacks Consensus Estimate for RCM Technologies remains unchanged at $2.38, indicating steady analyst views on the company's earnings prospects [13] - The unchanged consensus estimate has resulted in a Zacks Rank of 3 (Hold) for RCM Technologies, suggesting caution despite the Buy-equivalent ABR [14]

Core Viewpoint - The article discusses the reliability of Wall Street analysts' recommendations, particularly focusing on RCM Technologies, Inc. (RCMT), and emphasizes the importance of using these recommendations in conjunction with other analytical tools like Zacks Rank to make informed investment decisions [1][5]. Group 1: Brokerage Recommendations - RCM Technologies has an average brokerage recommendation (ABR) of 1.67, indicating a consensus between Strong Buy and Buy, with 66.7% of the recommendations being Strong Buy from three brokerage firms [2]. - Despite the positive ABR, it is cautioned that investors should not rely solely on this information for investment decisions, as studies show limited success of brokerage recommendations in predicting stock price increases [5][10]. Group 2: Analyst Bias and Zacks Rank - Brokerage analysts tend to exhibit a strong positive bias in their ratings due to vested interests, with five "Strong Buy" recommendations for every "Strong Sell" recommendation [6][10]. - Zacks Rank, a proprietary stock rating tool, categorizes stocks into five groups based on earnings estimate revisions, which have shown a strong correlation with near-term stock price movements, making it a more reliable indicator than ABR [8][11]. Group 3: Current Earnings Estimates and Zacks Rank for RCMT - The Zacks Consensus Estimate for RCM Technologies has remained unchanged at $2.38 over the past month, suggesting steady analyst views on the company's earnings prospects [14]. - The unchanged consensus estimate has resulted in a Zacks Rank of 3 (Hold) for RCM Technologies, indicating a cautious approach despite the Buy-equivalent ABR [15].