Avidia Bancorp (NYSE: NYSE: AVBC ) is a newly converted thrift based in Hudson, Massachusetts. It has 10 branches in Worcester and Middlesex counties, and as of Q2 2025, the bank had about $3 billionI'm a private investor focused on deep value and special situations, particularly in the small-cap and micro-cap space. I especially like finding companies trading below tangible book or sitting on excess capital. Areas of interest include thrift conversions, community banks, shipping, and places where value is ...

Core Viewpoint - Chain Bridge Bancorp, Inc. (CBNA) shows a significant improvement in earnings outlook, making it an attractive investment option as analysts continue to raise their earnings estimates [1][2]. Estimate Revisions - The upward trend in earnings estimate revisions indicates growing analyst optimism regarding the company's earnings prospects, which is expected to positively impact its stock price [2]. - For the current quarter, the earnings estimate is $0.70 per share, reflecting a year-over-year decline of 57.3%. However, the Zacks Consensus Estimate has increased by 36.28% over the last 30 days, with two estimates raised and no negative revisions [5]. - For the full year, the earnings estimate stands at $3.08 per share, representing a 26.1% decrease from the previous year [6]. - The trend for the current year is encouraging, with two estimates moving higher and the consensus estimate increasing by 26.75% [7]. Zacks Rank - Chain Bridge Bancorp, Inc. currently holds a Zacks Rank 1 (Strong Buy), indicating strong agreement among analysts in raising earnings estimates, which historically correlates with stock performance [3][8]. - Stocks with Zacks Rank 1 and 2 have shown significant outperformance compared to the S&P 500 [8]. Stock Performance - Over the past four weeks, Chain Bridge Bancorp, Inc. shares have increased by 5.8%, suggesting investor confidence in the company's earnings growth prospects [9].

Core Viewpoint - Gouverneur Bancorp, Inc. has appointed Stephen M. Jefferies as the new President and Chief Executive Officer, effective September 2, 2025, succeeding Charles C. Van Vleet, Jr. who will retire on the same date [1][3]. Group 1: Leadership Transition - Stephen M. Jefferies brings nearly 40 years of banking experience and a proven track record of financial leadership to his new role [2][3]. - Charles C. Van Vleet, Jr. will retire as Interim President and Chief Executive Officer on September 2, 2025, but plans to remain with the company until December 31, 2025, to assist with the transition [3][4]. Group 2: Company Overview - Gouverneur Bancorp, Inc. is the holding company for Gouverneur Savings and Loan Association, which was founded in 1892 and provides deposit and loan services [5]. - As of June 30, 2025, the company reported total assets of $196.7 million, total deposits of $159.4 million, and total stockholders' equity of $31.4 million [5].

2025 is shaping up to be a decent year for Kentucky-based Community Trust Bancorp (NASDAQ: CTBI ). Its net interest margin is expanding, the balance sheet is growing and, for now at least, asset quality remains resilient. All ofI like to take a long term, buy-and-hold approach to investing, with a bias toward stocks that can sustainably post high quality earnings. Mostly found in the dividend and income section. Blog about various US/Canadian stocks at 'The Compound Investor', and predominantly UK names on ...

Core Viewpoint - First Internet Bancorp (NASDAQ: INBK) has faced recent profitability pressures, yet the investment group European Small Cap Ideas continues to focus on high-quality small-cap investment opportunities, emphasizing capital gains and dividend income [1] Group 1 - The investment group offers exclusive access to actionable research on appealing Europe-focused investment opportunities not found elsewhere [1] - The focus is on high-quality ideas in the small-cap space, with an emphasis on capital gains and dividend income for continuous cash flow [1] - Features of the investment group include two model portfolios: the European Small Cap Ideas portfolio and the European REIT Portfolio, along with weekly updates and educational content [1]

Financial Performance - Jeffersonville Bancorp reported a second quarter net income of $3,290,000 or $0.78 per share, an increase from $3,031,000 or $0.72 per share in the same quarter of 2024, reflecting a $259,000 increase in net income [1] - Year-to-date net income as of June 30, 2025, was $6,008,000 or $1.42 per share, compared to $5,584,000 or $1.32 per share for the same period in 2024, marking a $424,000 increase [2] Revenue Drivers - The increase in quarterly net income was primarily due to a decrease in interest expense of $589,000, an increase in loan interest and fees of $533,000, and a decrease in non-interest expense of $172,000 [1] - Year-to-date net income increase was driven by a decrease in interest expense of $1,210,000, an increase in loan interest and fees income of $861,000, and a decrease in non-interest expense of $96,000 [2] Challenges - The increases in net income were partially offset by a decrease in securities and other interest income of $525,000 for the quarter and $1,191,000 year-to-date, as well as a decrease in non-interest income of $432,000 for the quarter and $330,000 year-to-date [1][2] - There were also increases in provision for credit losses of $26,000 for the quarter and $124,000 year-to-date, along with an increase in tax expense of $52,000 for the quarter and $98,000 year-to-date [1][2] Dividend Declaration - A cash dividend of $0.15 per share was declared, payable on September 4, 2025, to stockholders of record as of August 26, 2025 [3] Company Overview - Jeffersonville Bancorp is a one-bank holding company that owns all the capital stock of Jeff Bank, which operates ten full-service branches in Sullivan and Orange County, New York [4]

Core Viewpoint - Farmers & Merchants Bancorp (FMCB) has maintained a stable share price since the last update in March, indicating a lack of significant market movement for this Californian bank [1] Company Summary - FMCB is characterized as a high-quality bank with a focus on sustainable high-quality earnings, appealing to long-term, buy-and-hold investors [1] - The bank's stock performance has been flat, suggesting stability but also a lack of growth momentum in the short term [1] Investment Strategy - The investment approach emphasizes dividend and income stocks, aligning with the bank's profile as a reliable income-generating asset [1]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: June 30, 2025 o 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: 000-51018 THE BANCORP, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorp ...

Core Viewpoint - United Bancorp, Inc. demonstrated steady earnings growth in Q2 2025, with a notable increase in net income and interest income, despite facing macroeconomic pressures and a recent stock pullback [1][2][5]. Financial Performance - Earnings per share (EPS) for Q2 2025 reached 33 cents, up from 30 cents a year earlier [1]. - Total interest income increased by 5.4% year over year to $10.4 million, driven by a 9.3% rise in interest income on loans and a 30.3% surge in loan fees [2]. - Net income rose to $1.9 million, marking a 10% increase from $1.7 million in the same quarter of 2024 [2]. - Noninterest income reached $1.4 million, up 17.3% from the previous year, supported by a 65.6% increase in other noninterest income [3]. Cost and Expense Management - Noninterest expenses increased by 3.1% to $5.8 million, attributed to ongoing investment initiatives [3]. - Despite rising expenses, earnings before income taxes improved to $1.9 million, a 20.1% increase from the prior-year quarter [3]. Credit Quality - Provision for credit losses decreased by 12.2% to $0.2 million [4]. - Total nonaccrual loans rose to $1.8 million from $0.4 million a year earlier, primarily due to a single commercial account [4]. - Loans past due by more than 30 days declined by 43.3%, maintaining total past-due and nonaccrual loans at a modest 0.45% of gross loans [4]. Management Insights - The Chief Financial Officer highlighted the company's earnings growth as encouraging amidst macroeconomic challenges, emphasizing investments in branch expansion and technology [5]. - The Chief Executive Officer reinforced long-term growth ambitions, focusing on a strong small-business-oriented commercial loan portfolio, which constitutes 80% of total loans [6]. Strategic Initiatives - The company is advancing several strategic initiatives, including the construction of a new regional banking center in Wheeling, WV, expected to open within 90 days [11]. - Technology enhancements and AI integration into customer service are part of a broader digital transformation effort aimed at improving efficiency and client engagement [12]. Shareholder Returns - United Bancorp raised its regular cash dividend by 5.8% and its special dividend by 16.7% year over year, resulting in total cash dividends of 54.25 cents per share in the first half of 2025, a 9.1% increase from the prior year [12].

Group 1 - Midland States Bancorp, Inc. declared a quarterly cash dividend of $0.32 per share, marking a 3.2% increase from the previous dividend of $0.31 per share [1] - The dividend is payable on August 22, 2025, to shareholders of record as of August 15, 2025 [1] - The Board also declared a cash dividend of $0.4844 per depository share on its 7.75% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A, payable on September 30, 2025 [2] Group 2 - This dividend declaration represents the 25th consecutive year of increased quarterly cash dividends for Midland States Bancorp [3] - The company's capital ratios are strong, with significant improvements in earnings and asset quality noted in the second quarter [3] - The increase in the quarterly dividend is part of the company's capital return strategy to shareholders while retaining sufficient capital for growth [3] Group 3 - As of June 30, 2025, Midland States Bancorp had total assets of approximately $7.11 billion, with its Wealth Management Group managing about $4.18 billion in assets [4] - The company offers a comprehensive range of commercial and consumer banking products and services, including business equipment financing and trust and investment management [4]