Financial Performance - Net income for Q4 2025 was $118.2 million, with an adjusted net income of $117.9 million, reflecting a year-over-year increase of 18% in annual income to $475.4 million[2][12] - Total revenue (net) reached $282.1 million in Q4 2025, up from $258.4 million in Q4 2024, demonstrating consistent quarterly growth throughout the year[3][6] - Diluted earnings per share (DEPS) for Q4 2025 was $0.60, consistent with the adjusted DEPS, marking a significant increase from $0.51 in Q4 2024[3][17] - Net income for the quarter was $118.2 million, down from $123.6 million in the previous quarter, with total net income for the year at $475.4 million[54] - GAAP net income available to common shareholders for the year ended December 31, 2025, was $475,441 thousand, an increase from $402,241 thousand in 2024, reflecting a growth of 18.2%[67] - Total pre-tax net income for Q4 2025 was $153,323,000, up from $129,454,000 in Q4 2024, marking a 18.4% increase[69] Operational Efficiency - The efficiency ratio improved to 39.54% in Q4 2025, indicating effective operational management, with a sub-40% efficiency ratio for the quarter[2][21] - The efficiency ratio improved to 39.54% for the quarter ended December 31, 2025, down from 42.74% in the previous year, indicating enhanced operational efficiency[59] - Non-interest expense for the quarter was $114.4 million, slightly down from $114.8 million in the previous quarter, with total non-interest expense for the year at $458.2 million[54] Loan and Deposit Growth - Loan growth for Q4 2025 was $400.2 million, contributing to total loans receivable of $15.69 billion, a record for the company[2][23] - The Company reported a $400.2 million increase in loans during Q4 2025, with organic loan growth of $164.3 million in community banking and $235.9 million in Centennial CFG, totaling $2.01 billion in loans as of December 31, 2025[24] - Total deposits increased to $17.48 billion at the end of Q4 2025, up from $17.33 billion at the end of Q3 2025[23] - Loans receivable reached $15,686,209 thousand, up from $14,764,500 thousand year-over-year, indicating an increase of about 6.25%[52] - Total deposits rose to $17,479,957 thousand, compared to $17,146,297 thousand in the previous year, marking an increase of approximately 1.94%[52] Asset Quality - Non-performing loans to total loans were 0.54% as of December 31, 2025, down from 0.56% at September 30, 2025, while non-performing assets to total assets also decreased from 0.56% to 0.55% in the same period[25] - The Company's allowance for credit losses on loans was $297.6 million at December 31, 2025, representing 1.90% of total loans, an increase from 1.87% at September 30, 2025[28] - Non-performing loans totaled $85.0 million and non-performing assets were $124.8 million as of December 31, 2025, showing a slight decrease from the previous quarter[28] Capital Management - The company maintained a common equity tier 1 capital ratio of 16.3% and a total risk-based capital ratio of 19.1% as of December 31, 2025[3][23] - Shareholders' equity increased by approximately $81.9 million to $4.30 billion at December 31, 2025, driven by a $77.0 million increase in retained earnings[29] - The book value per common share reached a record $21.88 at December 31, 2025, up from $21.41 at September 30, 2025[29] - The tangible book value per common share increased to $14.60 as of December 31, 2025, compared to $12.68 in 2024, representing a growth of 15.1%[56] Shareholder Returns - The Company repurchased 540,706 shares of common stock during Q4 2025, resulting in a shareholder buyback yield of 0.27%, compared to 0.18% in the previous quarter[31] - A cash dividend of $0.21 per share was declared, reflecting a 5.0% increase from the $0.20 dividend paid in Q3 2025[31] - The company reported a shareholder buyback yield of 1.46% for the year ended December 31, 2025, compared to 1.69% in 2024, indicating a slight decrease in buyback activity[56] Acquisition Plans - The company is set to acquire Mountain Commerce Bancshares, Inc. and its bank subsidiary, with the transaction expected to close in the first half of 2026, pending necessary approvals[35] - The company is in the process of acquiring MCBI, with potential risks including regulatory approvals and integration challenges[45] - The proposed acquisition may incur higher costs than anticipated, influenced by various economic factors[45] - The company anticipates that the benefits from the acquisition may take longer to realize than expected due to market conditions[45] - The company continues to focus on integrating its operations and exploring additional acquisition opportunities to enhance growth[45] Interest Income and Expense - Total interest income for the quarter was $323.6 million, slightly up from $323.5 million in the previous quarter, while total interest income for the year reached $1.3 billion[54] - Net interest income after credit loss expense was $231.6 million for the quarter, compared to $226.2 million in the previous quarter, with a total of $892.4 million for the year[54] - Total interest expense for the quarter was $92.0 million, compared to $97.4 million in the previous quarter, with total interest expense for the year at $386.5 million[54] - The company reported a net interest spread of 3.77% for 2025, up from 3.43% in 2024, indicating better profitability on interest-earning assets[65] Market Performance - Market capitalization at the beginning of Q4 2025 was $5,571,959 thousand, slightly down from $5,613,422 thousand in Q3 2025[73] - The price per share at the beginning of Q4 2025 was $28.30, compared to $28.46 in Q3 2025[73]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED NOVEMBER 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-37863 BIOMERICA, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation of organization) 17571 Von Karman Avenue, Irvi ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended October 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: 000-33385 CALAVO GROWERS, INC. (Exact name of registrant as specified in its charter) California 33-0945304 (State or other jurisd ...

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 November 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: 001-41187 FINGERMOTION, INC. (Exact name of registrant as specified in its charter) Delaware 46-4 ...

Exhibit 99.1 ORCHID ISLAND CAPITAL ANNOUNCES ESTIMATED FOURTH QUARTER 2025 RESULTS AND DECEMBER 31, 2025 RMBS PORTFOLIO CHARACTERISTICS Vero Beach, Fla., January 14, 2026 - Orchid Island Capital, Inc. (the "Company") (NYSE: ORC) announced today its estimated fourth quarter 2025 results and portfolio characteristics as of December 31, 2025. Shares Outstanding As of January 14, 2026, the Company had 183,345,932 shares of common stock outstanding. As of December 31, 2025, the Company had 181,985,900 shares of ...

Exhibit 99.1 LOOP INDUSTRIES REPORTS THIRD QUARTER FISCAL 2026 RESULTS AND PROVIDES UPDATE ON PROGRESS TOWARDS COMMERCIALIZATION LOOP MANAGEMENT TO HOLD UPDATE CALL AT 8:45 AM ET ON THURSDAY, JANUARY 15, 2026 Infinite Loop™ India ● OFFTAKE AGREEMENT FOR INFINITE LOOP INDIA WITH NIKE ● AWARD OF DETAILED ENGINEERING CONTRACT FOR INFINITE LOOP INDIA TO TOYO ENGINEERING ● CONTINUED PROGRESS ON PROJECT DEBT FINANCING FOR INFINITE LOOP INDIA ● SPENCER HART JOINS LOOP AS CFO ● Offtake agreement with Nike for India ...

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended November 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 No. 001-38301 https://files.reportify.cc/media/production/LOOP5fc6fc17727ba11ea6527d1034f8cb87.jpg Loop In ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION KUVATRIS THERAPEUTICS, INC. (formerly PaxMedica, Inc.) (Exact name of registrant as specified in its charter) Delaware 001-41475 85-0870387 (State or other jurisdiction of incorporation or organization) (Commission File Number) (IRS Employer Identification No.) 1000 Wycoff Ave, 3 Floor, Mahwah, NJ 07430 (Address Of Principal Executive Offices) (Zip Code) Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCH ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 XChange TEC.INC (Exact name of Registrant as specified in its charter) OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUAN ...