Revenue Performance - Total revenue for the fiscal quarter ended December 26, 2025, was $346.7 million, a decrease of 2% from $357.0 million for the same period in 2024[161]. - Licensing revenue accounted for 92% of total revenue at $319.8 million, while products and services contributed 8% at $26.9 million[161]. - Dolby generated 92% of its revenue in Q1 fiscal 2026 through licensing technology, brand, and patents, primarily to device manufacturers[201]. - Licensing revenue for Q1 2026 was $319,771, a decrease of 3% from $330,479 in Q1 2025, representing 92% of total revenue[242]. - Products and Services revenue increased by 2% to $26,935 from $26,520, accounting for 8% of total revenue[246]. Licensing and Patents - Dolby holds approximately 29,000 issued patents related to licensed technologies, which significantly contribute to licensing revenue[163]. - The company generated over 90% of its revenue from licensing agreements with around 1,000 electronic device manufacturers[163]. - Dolby's patent licensing primarily comes from standard essential patents associated with AAC, AVC, and HEVC codecs, which are critical for media technologies[182]. - Dolby's patent licensing revenue is primarily driven by royalty shares within patent pools, licensee penetration, and device shipments[208]. - Revenue from patent licensing is also influenced by the success of patent pools and the negotiation of licenses with companies using the relevant standards[213]. Technology and Innovation - Dolby Atmos and Dolby Vision are key branded technologies driving revenue growth, enabling immersive audio and video experiences[167]. - The company is exploring the use of artificial intelligence in the development of next-generation audio and video codecs[180]. - Dolby's branded technology licensing includes rights to software, patent rights, and know-how, with revenue driven by device shipments and consumer spending[205]. - Dolby Atmos and Dolby Vision have seen increased adoption, with major streaming services enhancing content using these technologies[207]. Market Dynamics - The company aims to expand the reach of its technologies to new content, media, devices, and audiences[159]. - Dolby's licensing customers typically enter into per unit royalty arrangements, which can lead to revenue variability[172]. - The company collaborates with content creators and device manufacturers to create a virtuous cycle of product development and demand for its solutions[158]. - The company faces challenges from macroeconomic conditions, including inflation and tariffs, which may impact revenue from licensing and product sales[202]. - The automotive industry's cyclical nature and long development cycles may affect revenue growth from automotive-related technologies[227]. Financial Performance - Gross profit for Products and Services decreased by 35% to $4,489, with a gross margin of 17%, down from 26%[246]. - Research and Development (R&D) expenses increased by $2,439 million, or 4%, from $66,638 million in Q1 2025 to $69,077 million in Q1 2026, representing 20% of total revenue[249]. - Sales and Marketing (S&M) expenses decreased by $2,847 million, or 3%, from $94,399 million in Q1 2025 to $91,552 million in Q1 2026, maintaining 26% of total revenue[252]. - General and Administrative (G&A) expenses slightly increased by $151 million, remaining stable at 20% of total revenue, from $70,092 million in Q1 2025 to $70,243 million in Q1 2026[254]. - Restructuring charges rose significantly by $5,250 million, or 101%, from $5,216 million in Q1 2025 to $10,466 million in Q1 2026, accounting for 3% of total revenue[257]. Cash Flow and Investments - Cash and cash equivalents decreased from $701,893 million as of September 26, 2025, to $643,845 million as of December 26, 2025[269]. - Net cash provided by operating activities decreased by $52.0 million, from $106,779 million in Q1 2025 to $54,799 million in Q1 2026, primarily due to higher accounts receivable[276]. - Net cash used in financing activities increased by $64.3 million, from $57,571 million in Q1 2025 to $121,834 million in Q1 2026, mainly due to higher common stock repurchases[278]. - The company has returned approximately $3.1 billion to stockholders through stock repurchases since the program's initiation in fiscal 2010[273]. - As of December 26, 2025, the company had cash and cash equivalents of $643.8 million and short-term and long-term investments of $85.8 million[282]. Foreign Currency Exposure - The company maintains exposure to foreign currency exchange risk due to operations in countries like Australia, China, Germany, Ireland, Poland, and the U.K.[283]. - The majority of revenue from international markets is denominated in U.S. dollars, while operating expenses are primarily in local currencies, leading to potential increases in expenses when the U.S. dollar weakens[283]. - The company uses forward currency contracts as cash flow hedges with maturities of thirteen months or less to mitigate currency volatility impacts on operating expenses[284]. - A sensitivity analysis indicated that a 10% increase in the U.S. dollar value would decrease the fair value of financial instruments by $3.7 million, while a 10% decrease would increase it by the same amount[289].

Revenue Performance - Net revenue for the third fiscal quarter was $581.0 million, an increase of $59 million or 11.3% compared to $522.0 million in the same quarter of the previous year[8]. - Net revenue for the three months ended December 27, 2025, was $580,994,000, an increase of 11.2% compared to $522,040,000 for the same period in 2024[21]. Profitability - Gross profit as a percentage of net revenue for factory-built housing was 21.7%, down from 23.6% in the same period last year[8]. - Financial services gross profit as a percentage of net revenue was 65.2%, up from 55.5% in the same period last year[8]. - Gross profit for the three months ended December 27, 2025, was $135,921,000, representing a gross margin of 23.4%, compared to $129,950,000 and a gross margin of 24.9% for the same period in 2024[21]. - Income before income taxes was $58 million, a decrease of $11 million or 16.9% compared to $69 million in the same period last year[8]. - Net income for the three months ended December 27, 2025, was $44,067,000, a decrease of 22% from $56,462,000 in the same period in 2024[21]. - Net income per diluted share attributable to common stockholders was $5.58, down 19.1% from $6.90 in the prior year quarter[8]. - Basic net income per share for the three months ended December 27, 2025, was $5.65, down from $6.97 for the same period in 2024[21]. Sales and Backlogs - Home sales volume increased by 3.2%, while capacity utilization decreased to approximately 70% from 75% in the same quarter of the prior year[8]. - Backlogs totaled $160 million at the end of the quarter, representing 4-6 weeks of production[8]. - American Homestar contributed $42 million to net revenue with 343 homes sold, alongside $6.9 million in incremental SG&A expenses[8]. Financial Position - Total assets increased to $1,472,195,000 as of December 27, 2025, compared to $1,406,645,000 as of March 29, 2025[19]. - Total liabilities rose to $382,976,000 as of December 27, 2025, up from $342,063,000 as of March 29, 2025[19]. - Cash and cash equivalents decreased to $224,616,000 as of December 27, 2025, from $356,225,000 as of March 29, 2025[19]. - Capital expenditures for the nine months ended December 27, 2025, were $27,360,000, compared to $15,253,000 for the same period in 2024[23]. Stock and Shareholder Returns - Stock repurchases amounted to approximately $44 million in the quarter, with about $98 million remaining for future repurchases[8]. - The company reported a total of 7,801,698 basic weighted average shares outstanding for the three months ended December 27, 2025[21]. Financial Services - The financial services segment showed strong results, reflecting improved profitability in the insurance operation[9]. - The company’s finance subsidiary, CountryPlace Mortgage, continues to offer conforming and non-conforming mortgages, contributing to its overall financial performance[16].

Exhibit 99.1 Contact: Frank A. Cavallaro, SEVP and CFO Peapack-Gladstone Financial Corporation T: 908-306-8933 PEAPACK-GLADSTONE FINANCIAL CORPORATION REPORTS FOURTH QUARTER FINANCIAL RESULTS Bedminster, N.J. – January 29, 2026 – Peapack-Gladstone Financial Corporation (NASDAQ Global Select Market: PGC) (the "Company") announces its fourth quarter 2025 financial results. This earnings release should be read in conjunction with the Company's Q4 2025 Investor Update, a copy of which is available on our websit ...

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 December 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12822 ____________________ ...

For more information: Joe Zanco, President and CEO (337) 948-3033 For Immediate Release Release Date: January 29, 2026 Catalyst Bancorp, Inc. Announces 2025 Fourth Quarter Results Exhibit 99.1 Opelousas, Louisiana – Catalyst Bancorp, Inc. (Nasdaq: "CLST") (the "Company"), the parent company for Catalyst Bank (the "Bank") (www.catalystbank.com), reported net income of $456,000, or $0.13 per diluted common share ("diluted EPS"), for the fourth quarter of 2025, compared to net income of $489,000, or $0.13 dilu ...

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2025 NEWS PROVIDED BY Rhinebeck Bancorp, Inc. Poughkeepsie, New York, January 29, 2026 /ACCESSWIRE/ Rhinebeck Bancorp, Inc. (the "Company") (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported net income for the fourth quarter of 2025 of $2.3 million, compared to net income of $2.7 million for the third quarter of 2025 and a net loss of $2.7 million for the fourth quarter of 2024. Diluted earnings per ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 29, 2026 Lexicon Pharmaceuticals, Inc. Registrant's telephone number, including area code Securities registered pursuant to Section 12(b) of the Act: | | Trading | Name of each exchange | | --- | --- | --- | | Title of each class | Symbol(s) | on which registered | | Common stock, par v ...

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 December 31, 2025 Commission File Number 1-12984 EAGLE MATERIALS INC. (Exact name of registrant as specified in its charter) Delaware (State of Incorporation) 75-2520779 (I.R.S. Employer Identification No.) 5960 Berkshire Lane, Suite 900, Dallas, Texas 75225 (Address of principal executive offices) (214) 432-2 ...

Financial Performance - Fourth Quarter 2025 EPS was $1.28, an 11% increase from $1.15 in 4Q 2024, with a net income of $56.3 million compared to $55.9 million in the prior year[1][2] - Net interest income decreased to $92.1 million from $94.3 million in 4Q 2024, with a net interest margin of 4.30%, down from 4.55% in the prior year[1][13] - Total revenue for the three months ended December 31, 2025, was $172,611, a slight decrease from $174,613 in September 2025 and an increase from $159,598 in December 2024[55] - Adjusted total revenue for the year ended December 31, 2025, was $534,550, compared to $503,104 in 2024, reflecting growth in revenue[55] Loan and Deposit Growth - Ending loans reached $7.12 billion, a 16% increase year-over-year from $6.11 billion in 4Q 2024, and a 7% increase from $6.67 billion in 3Q 2025[1][8] - Consumer fintech loans totaled $1.10 billion, representing 15.1% of total loans, marking a 142% increase from $454.4 million in 4Q 2024[1][9] - Average deposits were $7.60 billion, a 1% increase from $7.55 billion in 4Q 2024, with 95% of deposits sourced from fintech partnerships[1][10][11] - Total deposits reached $8,165,496 thousand, reflecting a 5.38% increase from $7,746,046 thousand year-over-year[35] Credit Quality - Provision for credit losses on non-consumer fintech loans was $0.9 million in 4Q 2025, a decrease from $5.7 million in 3Q 2025[15][16] - The allowance for credit losses was $66.2 million as of December 31, 2025, up from $44.9 million at the end of 2024, with consumer fintech loans coverage at 2.84% and non-fintech loans at 0.58%[17] - Total net charge-offs for Q4 2025 were $39.2 million, a decrease from $40.8 million in Q3 2025, resulting in a charge-off ratio of 2.29%[18] - Non-fintech loans net charge-offs were $0.6 million for Q4 2025, down from $3.3 million in Q3 2025, with a charge-off ratio of 0.04%[19] - Nonperforming loans to total loans decreased to 1.04% as of December 31, 2025, down from 1.35% in September 2025 and 0.55% in December 2024[46] Non-Interest Income - Non-interest income accounted for 46.7% of total revenue, up from 40.9% in 4Q 2024, with fintech fees contributing 20.8% of total revenue[1][4] - Non-interest income for Q4 2025 was $80.5 million, driven by a $3.7 million increase in fintech fees, which accounted for 27% of total revenues excluding credit enhancement income[21] - Non-interest income as a percentage of total revenue (excluding credit enhancement) was 30.4% for the three months ended December 31, 2025, compared to 30.1% in September 2025 and 26.9% in December 2024[55] - Fintech fees as a percentage of total revenue (excluding credit enhancement) were 27.2% for the three months ended December 31, 2025, compared to 26.0% in September 2025 and 25.0% in December 2024[55] Shareholder Returns - Share repurchases totaled $150 million for 2,173,518 shares, representing 5% of issued shares, at an average cost of $69.01[1][4] - The company repurchased 2,173,518 shares at an average cost of $69.01 per share, totaling $150.0 million in Q4 2025, with a full-year capital return of $375.0 million[29] Guidance and Outlook - The company initiated guidance for 2026 at $5.90 EPS, targeting at least $1.75 for 4Q 2026, and a preliminary outlook of $8.25 for 2027[3] Efficiency and Expenses - Total non-interest expense increased by $4.4 million, or 8%, from Q4 2024, primarily due to legal costs related to a settlement[22] - The efficiency ratio was 42.5% for Q4 2025, compared to 41.8% in Q3 2025 and 40.2% in Q4 2024[23] Asset and Liability Management - Total assets increased to $9,352,425 thousand as of December 31, 2025, up from $8,727,543 thousand a year earlier, representing a growth of 7.15%[35] - Total liabilities increased to $8,662,629 thousand as of December 31, 2025, up from $7,937,760 thousand a year prior, marking a growth of 9.14%[35] - Shareholders' equity decreased to $689,796 thousand from $789,783 thousand year-over-year, a decline of 12.59%[35] Capital Adequacy - The total allowance for credit losses on loans to total loans was 0.93% as of December 31, 2025, compared to 0.96% in September 2025 and 0.73% in December 2024[46] - Total capital to risk-weighted assets ratio was 12.19% as of December 31, 2025, compared to 15.13% in September 2025, indicating a decrease in capital adequacy[48]

Financial Performance - Net income attributable to common shareholders for Q4 2025 was $41.9 million, or $0.48 per share, with net investment income of $93.6 million[2]. - Full-year 2025 net income attributable to common shareholders was $86.1 million, down from $119.2 million in 2024, with diluted earnings per share of $0.99[7]. - For the quarter ended December 31, 2025, net income attributable to common shareholders was $41,907,000, a decrease of 12.8% from $47,841,000 in the previous quarter[38]. - Basic earnings per common share for the quarter ended December 31, 2025, was $0.48, down from $0.55 in the previous quarter, a decrease of 12.7%[38]. - The company reported a net interest expense of $19,482,000 for the year ended December 31, 2025, compared to a net interest expense of $79,396,000 in 2024, showing improvement[40]. Investment and Loans - Loans acquired totaled $5.5 billion in unpaid principal balance (UPB), an 18% increase from the prior quarter[4]. - PMT acquired $3.7 billion in UPB of conventional conforming and non-Agency eligible loans, a 10% increase from the prior quarter[24]. - PMT generated approximately $528 million of net new investments in non-Agency senior and subordinate bonds during the year[7]. - Loan origination fees for the year ended December 31, 2025, were $12,525,000, down from $15,085,000 in 2024, a decrease of 16.9%[40]. Revenue and Expenses - Interest income for the Interest Rate Sensitive Strategies segment totaled $189.0 million, up from $173.8 million in the prior quarter[20]. - Interest income increased to $39.4 million from $33.1 million in the prior quarter, while interest expense rose to $33.1 million from $28.2 million[25]. - Total expenses for the year ended December 31, 2025, were $213,643,000, an increase from $191,546,000 in 2024, representing an increase of 11.5%[40]. - Segment revenues were $16.4 million, including net gains on loans acquired for sale of $7.2 million, net interest income of $6.3 million, and other income of $2.9 million[25]. - Segment expenses were $17.4 million, up from $13.7 million in the prior quarter, primarily due to increased private label securitization activity[26]. - Corporate revenues remained unchanged at $0.9 million, while corporate expenses increased to $15.7 million from $14.3 million in the prior quarter[27]. Assets and Liabilities - Total assets increased to $21.35 billion from $18.53 billion in the prior quarter[36]. - Loans held for investment at fair value rose to $8.53 billion from $5.98 billion in the prior quarter[36]. - Total liabilities increased to $19.46 billion from $16.65 billion in the prior quarter[36]. - Total shareholders' equity was $1.89 billion, slightly up from $1.88 billion in the prior quarter[36]. Tax and Fair Value - PMT recorded a tax benefit of $16.2 million, mainly due to net fair value declines on MSR and interest rate hedges[28]. - The company experienced a net loss of $77,612,000 in the change in fair value of mortgage servicing rights for the quarter ended December 31, 2025[38]. Shareholder Information - Book value per common share increased to $15.25 at December 31, 2025, up from $15.16 at September 30, 2025[4]. - The weighted average shares outstanding for the quarter remained stable at 87,017,000, consistent with the previous quarter[38]. - The weighted average fulfillment fee rate in the fourth quarter was 18 basis points, unchanged from the prior quarter[26]. Gains and Losses - The company reported net gains on investments and financings of $213,113,000 for the year 2025, significantly higher than $61,050,000 in 2024[40].