Financial Performance - Net income for the fourth quarter of 2025 was $53.4 million, with an EPS of $0.64[2] - For the year ended December 31, 2025, net income was $90.3 million, or $1.03 per share, excluding $70.1 million of merger-related charges, operating earnings after tax (non-GAAP) was $142.3 million[3] - Net income for the three months ended December 31, 2025, was $53,366,000, a significant recovery from a loss of $4,221,000 in the prior quarter[33] - Operating pretax income for the three months ended December 31, 2025, was $89,611, compared to $27,197 for the same period in 2024, a significant increase of 229.5%[59] Asset and Liability Management - Total assets increased by $352.9 million to $23.2 billion from September 30, 2025, and increased by $11.3 billion from December 31, 2024, primarily due to the merger[6] - Total assets reached $23,220,372,000, compared to $22,867,458,000 in the previous quarter[33] - Total liabilities rose to $13,572,510, an increase of 32.5% from $10,262,388 in the prior year[55] - Total interest-bearing liabilities were $15,666,035 million, with a total interest expense of $112,842 million, resulting in an average cost of 2.86%[49] Loan and Lease Performance - Total loans and leases were $18.0 billion, a decrease of $275.8 million from September 30, 2025, but an increase of $8.3 billion from December 31, 2024[7] - Provision for credit losses on loans and unfunded commitments was $8,141,000 for the latest quarter, down from $20,268,000 in the prior quarter[31] - Nonperforming loans and leases as a percentage of total loans and leases was 0.63% as of December 31, 2025, compared to 0.54% in the previous quarter[46] - Net loan and lease charge-offs were $9,019 million, which is 0.20% of average loans and leases (annualized)[34] Income and Expense Analysis - Net interest income rose by $70.9 million to $199.7 million during the fourth quarter of 2025, with a net interest margin of 3.82 percent[12] - Total non-interest income for the fourth quarter increased by $13.6 million to $25.9 million compared to the previous quarter[13] - Non-interest expense, excluding merger and restructuring expenses, increased by $44.5 million to $127.9 million from the previous quarter[18] - Total non-interest expense increased to $142,366,000 for the three months ended December 31, 2025, compared to $129,296,000 in the previous quarter, marking a 10.4% rise[41] Equity and Capital Ratios - Stockholders' equity reached $2,496,061 million, compared to $2,461,015 million in the previous period[38] - The capital ratio of stockholders' equity to total assets was 10.75%[34] - The tangible stockholders' equity to tangible assets ratio was 8.62%[34] - Return on average stockholders' equity (annualized) increased to 8.70% from (1.01)% in the previous quarter[33] Dividend and Shareholder Information - The Company declared a dividend of $0.3225 per share for the quarter ended December 31, 2025, to be paid on February 27, 2026[24] - The number of common shares outstanding decreased to 83,816,086 from 83,908,861, a reduction of approximately 0.11%[64] - Tangible book value per common share increased to $23.32 from $22.75, representing a growth of about 2.5%[64] Year-over-Year Comparisons - Net interest income for the twelve months ended December 31, 2025, was $503,106, compared to $329,585 for the previous year, reflecting a 52.6% increase[55] - The net interest margin improved to 3.56% from 3.06% year-over-year, indicating enhanced profitability on interest-earning assets[55] - Total assets increased to $15,230,648, up from $11,473,424, representing a growth of 32.5% year-over-year[54]

Exhibit 99.2 January 28, 2026 Fellow Calix stockholders: During the fourth quarter of 2025, the Calix team delivered record revenue of $272 million, our sixth quarter of consecutive revenue growth, a sequential growth rate of 3%, year-over-year growth of 32% while guiding to continued sequential growth in first quarter of 2026, underscoring the robust demand for our unique platform model by our Broadband Experience Provider (BXP) customers. A fitting close to 2025 as our customers' success with our platform ...

Exhibit 99.1 Chain Bridge Bancorp, Inc. Reports Fourth Quarter 2025 and Full Year 2025 Financial Results McLean, Virginia — January 28, 2026 Chain Bridge Bancorp, Inc. (NYSE: CBNA) (the "Company"), the holding company for Chain Bridge Bank, N.A. (the "Bank"), today announced financial results for the fourth quarter of 2025 and the twelve months ended December 31, 2025. Fourth Quarter 2025 Financial Highlights (Three Months Ended December 31, 2025): Full Year 2025 Financial Highlights (Twelve Months Ended De ...

Financial Performance - Net revenue for Q2 FY 2026 was $369.3 million, an increase of $98.5 million or 36.4% year-over-year[5] - GAAP operating margin was 3.1%, down 510 basis points year-over-year, while non-GAAP operating margin improved to 19.3%, up 440 basis points year-over-year[5] - GAAP net loss was $48.1 million, a decrease of $57.2 million or 628.6% year-over-year, whereas non-GAAP net income was $51.5 million, an increase of $22.1 million or 75.2% year-over-year[5] - The company expects Q3 FY 2026 net revenue to be between $386 million and $400 million, with non-GAAP EPS projected between $0.22 and $0.24[9] - Operating income for the three months ended December 27, 2025, was $11.4 million, down from $22.2 million in the same period in 2024[19] - Net loss for the three months ended December 27, 2025, was $(48.1) million, compared to net income of $9.1 million for the same period in 2024[19] - Adjusted EBITDA for the three months ended December 27, 2025, was $81.4 million, compared to $50.1 million for the same period in 2024[38] - Non-GAAP measures for net income for the three months ended December 27, 2025, were $51.5 million, resulting in a diluted EPS of $0.22[39] Cash Flow and Assets - Cash flows from operations for the quarter ended December 27, 2025, were $42.5 million[14] - As of December 27, 2025, total cash, short-term investments, and short-term restricted cash amounted to $772.1 million[14] - Total current assets increased to $1,278.6 million as of December 27, 2025, from $885.2 million as of June 28, 2025[22] - Cash and cash equivalents increased to $765.5 million as of December 27, 2025, from $423.6 million as of June 28, 2025[22] Liabilities and Expenses - Total liabilities rose to $1,943.5 million as of December 27, 2025, compared to $1,213.6 million as of June 28, 2025[22] - Research and development expenses for the three months ended December 27, 2025, were $65.9 million, up from $52.1 million in the same period in 2024[19] - Stock-based compensation for the three months ended December 27, 2025, was $13.9 million, contributing 3.7% to the operating income margin[34] - Total related to cost of revenues and operating expenses for the three months ended December 27, 2025, was $60.0 million, representing 16.2% of total revenue[34] Gross Margin and Profitability - The company reported a gross margin of 57.0% for Q2 FY 2026, a slight increase of 50 basis points from Q1 FY 2026 but a decrease of 240 basis points year-over-year[4] - Gross profit for the three months ended December 27, 2025, was $210.6 million, compared to $160.8 million for the same period in 2024, reflecting a gross margin of 57.0%[19] - GAAP gross profit for the three months ended December 27, 2025, was $210.6 million, with a gross margin of 57.0%, compared to $160.8 million and 59.4% for the same period in 2024[34] - Non-GAAP gross profit for the six months ended December 27, 2025, was $407.7 million, with a gross margin of 61.0%, up from $306.1 million and 60.1% in the prior year[34] Restructuring and Cost Savings - The restructuring plan approved on January 23, 2026, is expected to affect approximately 5% of the global workforce and incur total charges of about $32 million[6][7] - The company anticipates annualized cost savings of approximately $30 million upon completion of the restructuring plan[7] Segment Performance - Revenue from the Network and Service Enablement segment was $291.5 million, representing a 35.0% increase quarter-over-quarter and a 45.8% increase year-over-year[4] - The company reported a gross margin of 64.7% for the Network and Service Enablement segment for the three months ended December 27, 2025[25] Other Charges - The company experienced a charge of $2.1 million for restoration services for a facility impacted by a fire during the three and six months ended December 27, 2025[41] - The company incurred losses of $38.7 million and $42.5 million for the three and six months ended December 27, 2025, respectively, related to the extinguishment of certain 1.625% Senior Convertible Notes[40] - The company reported a total of $99.6 million in adjustments related to net income and EPS for the three months ended December 27, 2025[39]

Exhibit 99.1 Investor Contact: Jay Spitzer Investor.Relations@Adtalem.com +1 312-906-6600 Media Contact: Maureen Bender AdtalemMedia@Adtalem.com +1 313-319-4732 ADTALEM GLOBAL EDUCATION SECOND QUARTER FISCAL YEAR 2026 RESULTS; RAISES FISCAL YEAR 2026 ADJUSTED EARNINGS PER SHARE GUIDANCE Total enrollment up 6.3% YoY Revenue up 12.4% YoY Diluted earnings per share $2.11; Adjusted EPS $2.43, growth of 34.3% YoY SECOND QUARTER HIGHLIGHTS CAPITAL ALLOCATION FISCAL YEAR 2026 GUIDANCE INVESTOR DAY 2026 ● Company t ...

Plexus Announces Fiscal First Quarter Financial Results NEENAH, WI – January 28, 2026 - Plexus Corp. (NASDAQ: PLXS) today announced financial results for our fiscal first quarter ended January 3, 2026, and guidance for our fiscal second quarter ending April 4, 2026. | | | Three Months Ended | | | --- | --- | --- | --- | | | Jan 3, 2026 | Jan 3, 2026 | Apr 4, 2026 | | | Q1F26 Results | Q1F26 Guidance | Q2F26 Guidance | | Summary GAAP Items | | | | | Revenue (in billions) | $1.070 | $1.050 to $1.090 | $1.110 ...

Revenue Performance - Total revenues for Q4 2025 decreased 6.5% to $3.9 billion, primarily due to the divestiture of the Europe Surface Transportation business and lower pricing and volume in ocean services [8]. - Full year 2025 total revenues decreased 8.4% to $16.2 billion, driven by the divestiture of the Europe Surface Transportation business and lower pricing in ocean services [10]. - Total revenues for the fourth quarter of 2025 were $371.3 million, a decrease of 25.4% compared to $498.0 million in the fourth quarter of 2024 [13]. - For the three months ended December 31, 2025, total revenues decreased by 6.5% to $3.91 billion compared to $4.18 billion in the same period of 2024 [29]. - Total revenues for the three months ended December 31, 2025, were $3,912,634, a slight decrease from $4,184,656 in the same period of 2024, representing a year-over-year decline of approximately 6.5% [31]. Profitability Metrics - Adjusted gross profit margin for North American Surface Transportation (NAST) increased by 20 basis points to 14.6% despite a challenging macro environment [5]. - Adjusted income from operations for Q4 2025 increased 7.1% to $197.4 million, while income from operations decreased 1.3% to $181.4 million [5]. - Adjusted gross profits for Global Forwarding decreased 12.7% to $178.0 million, with ocean adjusted gross profits down 22.0% [12]. - Total adjusted gross profits for the fourth quarter were $657.0 million, a decrease of 4.0% from $684.6 million in the fourth quarter of 2024 [23]. - Adjusted income from operations for the twelve months ended December 31, 2025 was $833.7 million, reflecting an increase of 18.8% from $669.1 million in 2024 [29]. - Adjusted net income per share (diluted) for the twelve months ended December 31, 2025 was $5.09, up from $4.51 in 2024 [26]. - The adjusted operating margin for the consolidated results for the twelve months ended December 31, 2025 was 30.5%, compared to 27.5% in 2024 [27]. Cash Flow and Shareholder Returns - Cash generated by operations increased by $37.5 million to $305.4 million, and cash returned to shareholders increased 150.7% to $207.7 million [5]. - Cash generated from operations totaled $305.4 million in the fourth quarter, up from $267.9 million in the fourth quarter of 2024, reflecting a $37.5 million increase [16]. - Cash returned to shareholders in the fourth quarter amounted to $207.7 million, including $133.3 million in stock repurchases and $74.3 million in dividends [17]. - Net cash provided by operating activities for the twelve months ended December 31, 2025, was $914,519, compared to $509,084 in 2024, an increase of approximately 79.5% [35]. Income and Expenses - Net income for Q4 2025 totaled $136.3 million, down 8.7% from a year ago, with diluted EPS of $1.12 decreasing 8.2% [8]. - Income from operations for the three months ended December 31, 2025 was $181.4 million, a slight decrease of 1.3% from $183.8 million in 2024 [29]. - Total costs and expenses for the three months ended December 31, 2025 were $3.73 billion, down 6.7% from $4.00 billion in the same period of 2024 [29]. - The provision for income taxes for the twelve months ended December 31, 2025 increased by 19.3% to $135.4 million from $113.5 million in 2024 [29]. Tax and Capital Expenditures - The effective tax rate for the fourth quarter was 18.1%, up from 11.4% in the same quarter of 2024, influenced by non-recurring items and lower U.S. tax credits [15]. - The company expects a full-year effective tax rate for 2026 to be between 18% and 20% [15]. - Capital expenditures for the fourth quarter were $15.7 million, with expectations for 2026 capital expenditures between $75 million and $85 million [17]. Workforce and Assets - Average employee headcount decreased to 12,733 in 2025 from 14,386 in 2024, a reduction of approximately 11.5% [31]. - Total assets as of December 31, 2025, were $5,058,381, down from $5,297,926 in 2024, a decrease of about 4.5% [33]. - Long-term debt increased to $1,089,438 as of December 31, 2025, from $921,857 in 2024, representing an increase of about 18.2% [33]. - Cash and cash equivalents at the end of the period increased to $160,871 from $145,762 in 2024, a rise of approximately 10.5% [35]. Other Financial Metrics - Severance and other personnel expenses for the twelve months ended December 31, 2025 totaled $30.0 million, primarily related to workforce reductions [26]. - The company reported an adjusted gross profit of $2.73 billion for the twelve months ended December 31, 2025, compared to $2.77 billion in 2024 [27]. - The company reported a loss from operations of $10,658 for the twelve months ended December 31, 2025, compared to a profit of $669,141 in 2024 [31]. - The company made acquisitions net of cash acquired amounting to $11,864 during the twelve months ended December 31, 2025 [35].

Financial Performance - Full year reported revenue increased by 0.5% to $2,133.2 million, while comparable adjusted revenue increased by 1.1%[4] - Full year net income rose to $85.3 million, a 61.2% increase from $52.9 million in 2024[5] - Comparable adjusted EBITDA increased by 6.2% to $431.5 million for the full year[4] - Full year GAAP diluted EPS was $1.87, up 58.5% from $1.18 in 2024; comparable adjusted diluted EPS improved by 12.6% to $3.67[5] - Total revenue for the year ended December 31, 2025, was $2,133.2 million, slightly up from $2,121.8 million in 2024, indicating a 0.5% increase[23] - Adjusted EBITDA for the year ended December 31, 2025, rose to $431.5 million from $412.1 million in 2024, reflecting a 4.0% increase[28] - Net income for the year ended December 31, 2025, increased to $85.3 million from $52.9 million in 2024, representing a 61.5% growth[21] Cash Flow and Debt Management - Free cash flow increased by $75.3 million to $175.3 million in 2025[4] - Free cash flow for the year ended December 31, 2025, was $175.3 million, compared to $100.0 million in 2024, marking a 75.3% increase[21] - Net cash provided by operating activities increased to $270.6 million in 2025 from $194.3 million in 2024, reflecting a growth of 39.2%[38] - Total debt reduced by $73.7 million, while net debt decreased by $76.2 million[4] - The company reported a total debt of $1,429.4 million as of December 31, 2025, down from $1,503.1 million in 2024, a reduction of 4.9%[35] - Net debt decreased to $1,392.5 million in 2025 from $1,468.7 million in 2024, indicating a 5.2% decline[35] - Management emphasizes free cash flow as a key indicator for servicing debt and returning value to shareholders after necessary capital investments[37] - The company acknowledges that not all free cash flow is available for discretionary spending due to mandatory debt payments and other cash requirements[37] - Free cash flow provides insight into cash available for dividends, debt reduction, acquisitions, and share repurchases[37] Future Projections - The company expects 2026 revenue to increase by 0.5% and comparable adjusted revenue to rise by 1.1%[7] - For 2026, adjusted diluted EPS is projected to be between $3.90 and $4.30, with free cash flow expected to be approximately $200 million[14] Operational Focus - The comparable adjusted EBITDA margin for 2025 was 20.2%, up 90 basis points from the prior year[7] - The adjusted EBITDA margin for the year ended December 31, 2025, improved to 20.2% from 19.4% in 2024[28] - Merchant Services revenue for the year ended December 31, 2025, increased to $398.6 million, up from $384.0 million in 2024, a growth of 3.8%[23] - Data Solutions revenue for the year ended December 31, 2025, surged to $307.3 million from $234.0 million in 2024, representing a significant increase of 31.3%[23] - The company plans to continue focusing on operational efficiency and strategic decision-making to enhance performance and enterprise value[27] Dividend Declaration - The company declared a quarterly dividend of $0.30 per share, payable on February 23, 2026[10]

Table of Contents 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 December 31, 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 1-11689 Fair Isaac Corporation (Exact name of registrant as specified in its charter) Delaware 94-1499887 (State o ...

Financial Performance - For Q4 2025, First Financial Bancorp reported net income of $62.4 million, or $0.64 per diluted share, compared to $71.9 million, or $0.75 per diluted share in Q3 2025[3] - The company achieved record revenue of $251.3 million on an adjusted basis, with noninterest income reaching $77.3 million, also a record[5] - Net income for the three months ended December 31, 2025, was $62,393 thousand, a decrease from $71,923 thousand in the previous quarter[24] - Diluted net earnings per share decreased to $0.64 from $0.75 in the previous quarter[24] - Net income for the twelve months ended December 31 was $255,605, with a net earnings per share (diluted) of $2.66[26] - Net income for the year was $228,830, with the fourth quarter reporting $64,885[31] Asset and Deposit Growth - Total assets increased to $20,256,539 thousand from $18,566,188 thousand in the previous quarter, reflecting a growth of approximately 9.1%[24] - Total deposits rose to $15,958,657 thousand, up from $14,511,925 thousand in the previous quarter, indicating a growth of about 10.0%[24] - Total assets increased to $21,129,379 thousand, a 13.9% increase from the previous quarter and a 13.8% increase year-over-year[33] - Total deposits rose to $16,421,842 thousand, marking a 13.8% increase from the previous quarter and a 14.6% increase year-over-year[33] Loan Performance - Loan balances increased by 4% on an annualized basis during the quarter, with end-of-period loan balances rising by $1.7 billion, including $1.6 billion from the Westfield acquisition[6] - Net loans reached $13,237,583 thousand, reflecting a 14.6% increase from the previous quarter and a 14.1% increase year-over-year[33] - Commercial and industrial loans increased to $4,632,241 thousand, a 20.7% increase from the previous quarter and a 21.4% increase year-over-year[33] Interest Income and Margin - The net interest margin was reported at 3.98% on a fully tax-equivalent basis, reflecting a 4 basis point decrease from Q3 2025[6] - Total interest income for the twelve months ended December 31 was $1,001,904, reflecting a 5.5% increase compared to the previous year[26] - Total interest income for Q4 2025 reached $265,331,000, reflecting a 6.0% increase from the previous quarter[28] Credit Quality and Allowance for Credit Losses - The total allowance for credit losses (ACL) stood at $206.7 million, with an ACL to total loans ratio of 1.39%[9] - The allowance for credit losses increased to $186,487 thousand, a 15.2% increase from the previous quarter and an 18.9% increase year-over-year[33] - The ratio of nonaccrual loans to total loans was 0.76%, compared to 0.65% in the previous quarter, indicating a deterioration in credit quality[41] Shareholder Returns - The Board of Directors approved a quarterly dividend of $0.25 per common share, payable on March 16, 2026[7] - The company declared dividends of $0.25 per share[26] - Dividends declared per share for the year were $0.94, with the fourth quarter at $0.24[31] Employee Metrics - Full-time equivalent employees increased to 2,164 compared to 2,064 in the previous year[26] - Full-time equivalent employees increased to 2,164, up from 1,986 in the previous quarter[28] Capital Ratios and Equity - Common equity tier 1 ratio decreased to 11.32% from 12.91% in the previous quarter[24] - Total shareholders' equity grew to $2,769,216 thousand, a 5.2% increase from the previous quarter and a 13.6% increase year-over-year[33] - Total capital ratio improved to 15.46%, up from 15.32% in the previous quarter, reflecting an increase of 0.9%[43]