Hanmi Financial (HAFC) - 2025 Q2 - Quarterly Report
2025-08-08 17:54
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 June 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: 000-30421 HANMI FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Delaware 95-4788120 (State or Other Jurisdiction o ...
TrustBank NY(TRST) - 2025 Q2 - Quarterly Report
2025-08-08 17:52
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Commission File Number 000-10592 TRUSTCO BANK CORP NY (Exact name of registrant as specified in its charter) NEW YORK 14-1630287 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 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 June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECU ...
BJ’s(BJRI) - 2026 Q2 - Quarterly Report
2025-08-08 17:30
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended July 1, 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 0-21423 BJ'S RESTAURANTS, INC. (Exact name of registrant as specified in its charter) California 33-0485615 (I. ...
Cimpress(CMPR) - 2025 Q4 - Annual Report
2025-08-08 17:29
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _________________________________ Form 10-K (Mark One) ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 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 000-51539 _________________________________ Cimpress plc (Exact Name of Registrant as Specified in Its Char ...
First Savings Financial (FSFG) - 2025 Q3 - Quarterly Report
2025-08-08 17:25
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 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. 1-34155 First Savings Financial Group, Inc. (Exact name of registrant as specified in its charter) Indiana 37-1567871 (S ...
Timberland Bancorp(TSBK) - 2025 Q3 - Quarterly Report
2025-08-08 17:11
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 June 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 000-23333 TIMBERLAND BANCORP, INC. (Exact name of registrant as specified in its charter) Washington 91-1863696 (State or other jur ...
CB Financial Services(CBFV) - 2025 Q2 - Quarterly Report
2025-08-08 17:09
[PART I – FINANCIAL INFORMATION](index=4&type=section&id=PART%20I%20%E2%80%93%20FINANCIAL%20INFORMATION) [Financial Statements (Unaudited)](index=4&type=section&id=Item%201.%20Financial%20Statements%20(Unaudited)) Presents CB Financial Services, Inc.'s unaudited consolidated financial statements for Q2 2025, covering financial condition, income, and cash flows [Consolidated Statements of Financial Condition](index=4&type=section&id=Consolidated%20Statements%20of%20Financial%20Condition) As of June 30, 2025, total assets increased to $1.52 billion from $1.48 billion at December 31, 2024, driven by growth in loans and cash, with total liabilities rising to $1.37 billion and stockholders' equity slightly increasing to $148.4 million Consolidated Statements of Financial Condition (Unaudited) | (Dollars in thousands) | June 30, 2025 | December 31, 2024 | | :--- | :--- | :--- | | **ASSETS** | | | | Total Cash and Due From Banks | $64,506 | $49,572 | | Total Securities | $267,171 | $262,153 | | Loans, Net | $1,101,102 | $1,082,821 | | **TOTAL ASSETS** | **$1,517,984** | **$1,481,564** | | **LIABILITIES** | | | | Total Deposits | $1,309,432 | $1,283,517 | | **TOTAL LIABILITIES** | **$1,369,622** | **$1,334,186** | | **STOCKHOLDERS' EQUITY** | | | | **TOTAL STOCKHOLDERS' EQUITY** | **$148,362** | **$147,378** | | **TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY** | **$1,517,984** | **$1,481,564** | [Consolidated Statements of Income](index=6&type=section&id=Consolidated%20Statements%20of%20Income) Net income for Q2 2025 increased to $3.9 million, driven by higher net interest income and lower noninterest expenses Quarterly Income Statement Highlights (Unaudited) | (Dollars in thousands, except per share data) | Three Months Ended June 30, 2025 | Three Months Ended June 30, 2024 | | :--- | :--- | :--- | | Net Interest and Dividend Income | $12,540 | $11,470 | | Total Noninterest Income | $931 | $688 | | Total Noninterest Expense | $8,748 | $8,984 | | **Net Income** | **$3,949** | **$2,650** | | **Diluted EPS** | **$0.74** | **$0.51** | Six-Month Income Statement Highlights (Unaudited) | (Dollars in thousands, except per share data) | Six Months Ended June 30, 2025 | Six Months Ended June 30, 2024 | | :--- | :--- | :--- | | Net Interest and Dividend Income | $23,850 | $23,062 | | Total Noninterest Income | $1,718 | $2,604 | | Total Noninterest Expense | $18,549 | $17,412 | | **Net Income** | **$5,858** | **$6,847** | | **Diluted EPS** | **$1.09** | **$1.33** | [Consolidated Statements of Comprehensive Income](index=8&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income) Total comprehensive income for Q2 2025 was $5.0 million, driven by higher net income and positive other comprehensive income Comprehensive Income Summary (Unaudited) | (Dollars in thousands) | Three Months Ended June 30, 2025 | Three Months Ended June 30, 2024 | Six Months Ended June 30, 2025 | Six Months Ended June 30, 2024 | | :--- | :--- | :--- | :--- | :--- | | Net Income | $3,949 | $2,650 | $5,858 | $6,847 | | Other Comprehensive Income (Loss), Net of Tax | $1,054 | $(271) | $2,919 | $(1,604) | | **Total Comprehensive Income** | **$5,003** | **$2,379** | **$8,777** | **$5,243** | [Consolidated Statements of Changes In Stockholders' Equity](index=9&type=section&id=Consolidated%20Statements%20of%20Changes%20In%20Stockholders'%20Equity) Stockholders' equity increased by $0.98 million for the six months ended June 30, 2025, driven by net income and OCI, offset by share repurchases and dividends - Key changes in stockholders' equity for the six months ended June 30, 2025 include: Net Income of **$5.9 million**, Other Comprehensive Income of **$2.9 million**, treasury stock purchases of **$6.8 million**, and dividends paid of **$2.5 million**[15](index=15&type=chunk) [Consolidated Statements of Cash Flows](index=11&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Cash and cash equivalents increased by $14.9 million for the six months ended June 30, 2025, with positive contributions from operating and financing activities Six-Month Cash Flow Summary (Unaudited) | (Dollars in thousands) | Six Months Ended June 30, 2025 | Six Months Ended June 30, 2024 | | :--- | :--- | :--- | | Net Cash Provided by Operating Activities | $8,159 | $2,094 | | Net Cash Used in Investing Activities | $(10,931) | $(7,755) | | Net Cash Provided by Financing Activities | $17,706 | $80,038 | | **Increase in Cash and Cash Equivalents** | **$14,934** | **$74,377** | [Notes to the Consolidated Financial Statements (Unaudited)](index=14&type=section&id=Notes%20to%20the%20Consolidated%20Financial%20Statements%20(Unaudited)) The notes provide critical context to the financial statements, detailing accounting policies for ACL, loan portfolio, and off-balance-sheet commitments - The company's critical accounting policies, susceptible to significant change, relate to the Allowance for Credit Losses (ACL), valuation of foreclosed real estate, and impairment evaluations of securities and goodwill[24](index=24&type=chunk)[31](index=31&type=chunk) - The company has one reportable segment: community banking services[28](index=28&type=chunk) Loan Portfolio Composition | (Dollars in thousands) | June 30, 2025 | December 31, 2024 | | :--- | :--- | :--- | | Residential Real Estate | $329,324 | $337,990 | | Commercial Real Estate | $513,197 | $485,513 | | Construction | $40,680 | $54,705 | | Commercial and Industrial | $138,221 | $112,047 | | Consumer & Other | $89,402 | $102,371 | | **Total Loans** | **$1,110,824** | **$1,092,626** | - Nonperforming assets were **$1.9 million** at June 30, 2025, up slightly from **$1.8 million** at year-end 2024, with nonaccrual loans remaining stable at approximately **$1.8 million**[70](index=70&type=chunk) - The Allowance for Credit Losses (ACL) on loans was **$9.7 million** at June 30, 2025, compared to **$9.8 million** at December 31, 2024, representing **0.88%** of total loans[61](index=61&type=chunk)[73](index=73&type=chunk)[74](index=74&type=chunk) - Total off-balance-sheet credit commitments increased to **$196.6 million** at June 30, 2025, from **$167.6 million** at year-end 2024, primarily due to a rise in commercial lines of credit[102](index=102&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=37&type=section&id=Item%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations.) Management discusses financial performance, highlighting asset and loan growth, increased Q2 2025 net income, and strong capital, despite a six-month net income decline - Total assets increased by **$36.4 million (2.5%)** to **$1.52 billion** at June 30, 2025, from December 31, 2024[138](index=138&type=chunk) - Total loans grew by **$18.2 million (1.7%)** in the first six months of 2025, driven by commercial real estate and commercial & industrial loan growth, offsetting declines in consumer lending[143](index=143&type=chunk) - Total deposits increased by **$25.9 million (2.0%)**, with a strategic shift towards core deposits (demand and savings) and away from time deposits[141](index=141&type=chunk) - Q2 2025 net income increased by **$1.3 million** YoY to **$3.9 million**, primarily due to a **$1.1 million** increase in net interest income and a **$236,000** decrease in noninterest expense[146](index=146&type=chunk)[147](index=147&type=chunk)[158](index=158&type=chunk) - Six-month 2025 net income decreased by **$989,000** YoY to **$5.9 million**, mainly due to a **$2.1 million** increase in salary/benefit costs (including a one-time reduction-in-force expense) and lower noninterest income compared to 2024, which included significant gains[160](index=160&type=chunk)[171](index=171&type=chunk)[173](index=173&type=chunk) - Tangible book value per common share (Non-GAAP) increased by **4.0%** to **$27.88** at June 30, 2025, from **$26.82** at December 31, 2024[137](index=137&type=chunk)[145](index=145&type=chunk) [Quantitative and Qualitative Disclosure about Market Risk](index=52&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosure%20about%20Market%20Risk.) The company's primary market risk is interest rate risk, managed via NII and EVE sensitivity modeling to rate shifts, remaining within policy limits - The company's most significant market risk is interest rate risk, which is monitored through simulation modeling of Net Interest Income (NII) and Economic Value of Equity (EVE)[191](index=191&type=chunk)[192](index=192&type=chunk) Interest Rate Sensitivity Analysis (at June 30, 2025) | Change in Interest Rates (Basis Points) | EVE Percent Change | Net Interest Earnings at Risk Percent Change | | :--- | :--- | :--- | | +400 | (12.6)% | +9.6% | | +200 | (6.4)% | +4.8% | | +100 | (3.0)% | +2.5% | | Flat | 0.0% | 0.0% | | (100) | +2.5% | (2.5)% | | (200) | +3.5% | (5.2)% | [Controls and Procedures](index=53&type=section&id=Item%204.%20Controls%20and%20Procedures.) Management concluded disclosure controls were effective as of June 30, 2025, with no material changes to internal control over financial reporting during the quarter - The CEO and CFO concluded that the company's disclosure controls and procedures were effective as of June 30, 2025[199](index=199&type=chunk) - There were no changes in internal control over financial reporting during the quarter ended June 30, 2025, that materially affected, or are reasonably likely to materially affect, internal controls[200](index=200&type=chunk) [PART II - OTHER INFORMATION](index=54&type=section&id=PART%20II%20-%20OTHER%20INFORMATION) [Legal Proceedings](index=54&type=section&id=Item%201.%20Legal%20Proceedings.) The company is involved in various claims, but management believes no pending legal proceedings will materially affect its financial condition or operations - The company is not a party to any pending legal proceedings that are expected to have a material adverse effect on its financial condition or results of operations[201](index=201&type=chunk) [Risk Factors](index=54&type=section&id=Item%201A.%20Risk%20Factors.) No material changes to risk factors previously disclosed in the Annual Report on Form 10-K for the year ended December 31, 2024, are reported - The report refers to the risk factors discussed in the Annual Report on Form 10-K for the year ended December 31, 2024, indicating no material changes[202](index=202&type=chunk) [Issuer Purchases of Equity Securities](index=54&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities,%20Use%20of%20Proceeds%20and%20Issuer%20Purchases%20of%20Equity%20Securities.) During Q2 2025, the company repurchased 151,893 common shares at an average of $28.92, completing the July 2024 stock repurchase program Common Stock Purchases for Q2 2025 | Period | Total Shares Purchased | Average Price Paid per Share | | :--- | :--- | :--- | | April 2025 | 56,397 | $28.33 | | May 2025 | 73,777 | $29.43 | | June 2025 | 21,719 | $28.74 | | **Total** | **151,893** | **$28.92** | - The stock repurchase program announced on July 22, 2024, was completed on June 13, 2025[204](index=204&type=chunk) [Defaults Upon Senior Securities](index=54&type=section&id=Item%203.%20Defaults%20Upon%20Senior%20Securities.) Not applicable; the company reports no defaults upon senior securities - Not applicable[205](index=205&type=chunk) [Mine Safety Disclosures](index=54&type=section&id=Item%204.%20Mine%20Safety%20Disclosures.) Not applicable; the company has no mine safety disclosures to report - Not applicable[206](index=206&type=chunk) [Other Information](index=54&type=section&id=Item%205.%20Other%20Information.) No directors or executive officers adopted or terminated Rule 10b5-1 trading plans during Q2 2025 - No directors or executive officers adopted or terminated any Rule 10b5-1 trading plans during the three months ended June 30, 2025[207](index=207&type=chunk) [Exhibits](index=55&type=section&id=Item%206.%20Exhibits) This section lists exhibits filed with Form 10-Q, including CEO and CFO certifications and XBRL financial statements - Exhibits filed include CEO and CFO certifications (Rule 13a-14(a) and Section 906) and XBRL interactive data files[208](index=208&type=chunk)
Dt Cloud Acquisition Corporation(DYCQ) - 2025 Q2 - Quarterly Report
2025-08-08 17:01
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 Commission File Number 001-41967 DT Cloud Acquisition Corporation (Exact name of registrant as specified in its charter) Cayman Islands n/a (State or other jurisdiction of incorporation or organization) 30 Orange Street London, United Kingdom WC2H 7HF (Address of principal executive ...
Dt Cloud Acquisition Corporation(DYCQU) - 2025 Q2 - Quarterly Report
2025-08-08 17:01
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 ☐ 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 001-41967 DT Cloud Acquisition Corporation (Exact name of registrant as specified in its charter) Cayman Islands n/a (Sta ...
Colony Bank(CBAN) - 2025 Q2 - Quarterly Report
2025-08-08 17:01
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 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: 001-42397 COLONY BANKCORP, INC. (Exact Name of Registrant as Specified in Its Charter) Georgia 58-1492391 (State or Other ...