Financial Performance - Record net income of $7.4 million for Q4 2025, or $0.51 per diluted share, an increase from $4.3 million in Q3 2025 [21] - Adjusted net income for the year ended December 31, 2025 was $24.1 million, or $1.66 adjusted diluted earnings per share, compared to $18.6 million, or $1.39 per diluted share in 2024 [2] - Net revenue for Q4 2025 totaled $20.7 million, a 2.7% increase from Q3 2025 and an 18.0% increase from Q4 2024 [18] - Net income for Q4 2025 was $7.396 million, representing a 72.5% increase compared to $4.308 million in Q3 2025 [60] - Adjusted diluted earnings per share excluding unusual items for the year ended December 31, 2025, was $1.66, up from $1.41 in the previous year, representing a growth of 17.7% [66] Asset and Liability Management - Total assets increased 4.5% to $1.4 billion as of December 31, 2025, up 21.1% from $1.1 billion a year earlier [23] - Total liabilities increased to $1,193,736,000, a 4.4% increase from the previous quarter and a 21.6% increase year-over-year [58] - Total assets increased to $1,336 billion in Q4 2025, compared to $1.248 billion in Q3 2025 [61] - Total deposits reached $1.1 billion, an increase of $50.5 million from September 30, 2025, and up $207.6 million from $935.1 million a year earlier [27] - Total deposits rose to $1,142,695,000, marking a 4.6% increase from the previous quarter and a 22.2% increase year-over-year [58] Loan and Credit Quality - Total loans, net of deferred fees and costs, were $959.3 million as of December 31, 2025, an increase of $143.3 million from the previous year [24] - The allowance for credit losses was $9.9 million as of December 31, 2025, representing 1.03% of total loans [25] - The Company recorded a reversal for credit losses on loans of $130 thousand in Q4 2025, compared to $2.2 million provision expense in Q3 2025 [15] - The ratio of non-performing assets to total assets was 2.75% as of December 31, 2025, a decrease from 2.88% in the previous quarter but an increase from 1.26% a year ago [34] - The allowance for credit losses (ACL) was $10,577 thousand, representing 1.12% of total loans, consistent with the previous quarter's ratio [64] Income Sources - Non-interest income was $7.3 million for Q4 2025, compared to $5.8 million for Q4 2024, driven by increased credit card transaction volume [17] - Total interest income for Q4 2025 reached $22.739 million, an increase of 5.2% from $21.622 million in Q3 2025 [60] - Net interest income after provision for credit losses was $13.637 million, up 26.5% from $10.779 million in Q3 2025 [60] - Non-interest income totaled $7.263 million, a slight increase from $7.177 million in Q3 2025 [60] Growth Metrics - SBA loan originations reached a record $576.0 million for the year, up from $501.9 million in 2024, indicating strong growth potential [8] - SBA loan originations totaled $126.4 million in Q4 2025, down from a record $242.1 million in Q3 2025 but up from $120.0 million in Q4 2024 [39] - The company reported a significant increase in consumer loans, which rose by 563.0% year-over-year to $11,358,000 [58] Efficiency and Profitability - Return on average assets was 2.20% for Q4 2025, compared to 1.37% for Q3 2025, and return on average stockholders' equity was 18.03% compared to 10.89% for Q3 2025 [6] - The efficiency ratio for Q4 2025 was 61.05%, an increase from 55.31% in Q3 2025, suggesting higher operational costs relative to revenue [64] - The average yield on earning assets decreased to 7.20% in 2025 from 7.80% in 2024, while the cost on interest-bearing liabilities also decreased to 4.04% from 4.46% [62] Shareholder Value - Stockholders' equity increased to $165.8 million as of December 31, 2025, compared to $158.2 million in the prior quarter and $140.7 million a year earlier, driven by retained earnings from net income [31] - Book value per common share increased to $11.52 in Q4 2025 from $11.07 in Q3 2025, reflecting a positive trend in shareholder equity [64]

Financial Performance - Revenue for Q3 fiscal 2026 increased by 8.4% to $992.96 million compared to $916.32 million in Q3 fiscal 2025, driven by higher demand in smartphones and defense sectors [87]. - Gross margin improved to 46.7% in Q3 fiscal 2026 from 42.7% in Q3 fiscal 2025, attributed to reduced exposure to lower-margin products and a favorable business mix [87][89]. - Operating income surged to $192.14 million in Q3 fiscal 2026, a 262.4% increase from $53.03 million in Q3 fiscal 2025 [87]. - Net income per diluted share rose to $1.75 in Q3 fiscal 2026, compared to $0.43 in Q3 fiscal 2025 [87]. - Consolidated revenue for the nine months ended December 27, 2025, was $2.87 billion, a slight increase of 0.7% from $2.85 billion in the same period of the previous year [88]. - For the nine months ended December 27, 2025, the company reported revenue of $502.9 million in the High Performance Analog segment, an increase of 11.9% compared to $449.4 million for the same period in 2024 [99]. - Operating income in the High Performance Analog segment for the nine months ended December 27, 2025, was $119.1 million, a significant increase of 135.7% from $50.5 million in the prior year [99]. - The Connectivity and Sensors Group reported a revenue decrease of 11.5% for the nine months ended December 27, 2025, totaling $328.4 million compared to $371.2 million in the same period of 2024 [105]. - The Advanced Cellular Group achieved revenue of $2.0 billion for the nine months ended December 27, 2025, a slight increase of 0.5% from $2.0 billion in the previous year [109]. - The company recorded an operating income of $536.8 million in the Advanced Cellular Group for the nine months ended December 27, 2025, reflecting an 8.9% increase from $492.7 million in the prior year [109]. Cash Flow and Investments - Net cash provided by operating activities was $265.4 million in Q3 fiscal 2026, up from $214.1 million in Q3 fiscal 2025 [87]. - For the nine months ended December 27, 2025, net cash provided by operating activities was $532.4 million, an increase from $423.0 million for the same period in 2024 [130][131]. - Net cash used in investing activities was $61.7 million for the nine months ended December 27, 2025, compared to $59.1 million for the same period in 2024 [132]. - The company repurchased approximately 1.6 million shares of common stock for approximately $132.7 million during the nine months ended December 27, 2025, with $816.2 million remaining authorized for future repurchases [129]. - The company suspended share repurchase activity following the announcement of the mergers but may resume in the future [129]. Expenses and Liabilities - Research and development expenses were $178.07 million in Q3 fiscal 2026, slightly down from $179.13 million in Q3 fiscal 2025 [88]. - Other operating expenses included $14.7 million in merger-related costs and a gain of $19.2 million from the sale of a business segment in Q3 fiscal 2026 [92]. - Interest expense for the nine months ended December 27, 2025, was $55.3 million, a decrease from $58.3 million in the same period of 2024 [115]. - Income tax expense for the nine months ended December 27, 2025, was $67.3 million, significantly higher than $26.4 million for the same period in 2024 [120]. - Long-term liabilities increased to $2.5 billion as of December 27, 2025, compared to $2.4 billion as of March 29, 2025 [145][146]. Capital and Future Outlook - Capital expenditures decreased to $28.5 million in Q3 fiscal 2026 from $37.8 million in Q3 fiscal 2025 [87]. - The company has capital commitments of approximately $50.6 million primarily for expanding capabilities to develop and support new products [139]. - The company entered into a five-year unsecured senior credit facility providing for a $325.0 million senior revolving line of credit [135]. - Future capital requirements may differ materially based on market acceptance, acquisition opportunities, and technological advances [140]. - The proposed merger with Skyworks Solutions is expected to be completed in early 2027, pending stockholder and regulatory approvals [86]. Assets and Working Capital - As of December 27, 2025, the company had working capital of approximately $1.8 billion, including $1.3 billion in cash and cash equivalents, compared to $1.4 billion in working capital as of March 29, 2025 [125]. - The company held approximately $1.1 billion in cash and cash equivalents in foreign subsidiaries, with $949.8 million in Singapore [126]. - As of December 27, 2025, total current assets were $805.5 million, while total non-current assets were $2.3 billion [145].

Financial Performance - Record net revenues of $3.74 billion for the fiscal first quarter, up 6% year-over-year[4] - Net income available to common shareholders was $562 million, or $2.79 per diluted share; adjusted net income was $577 million, or $2.86 per diluted share[3] - Total revenues for the three months ended December 31, 2025, were $4,176 million, representing a 3% increase from $4,035 million in the same period of 2024[27] - Net income for the same period was $563 million, a decrease of 6% compared to $600 million in the prior year[27] - Earnings per common share (basic) decreased to $2.85, down 3% from $2.94 in the previous year[27] - The overall pre-tax income for the company was $728 million, a slight decrease of 3% from $749 million in the previous year[32] - Pre-tax income for the Bank segment increased by 47% to $173 million, compared to $118 million in the same quarter last year[32] - Pre-tax income decreased by 5% to $439 million from $462 million year-over-year[35] Client Assets and Growth - Record client assets under administration reached $1.77 trillion, with Private Client Group assets in fee-based accounts increasing 19% to $1.04 trillion[4] - Domestic Private Client Group net new assets totaled $30.8 billion for the quarter, reflecting annualized growth of 8%[4] - Client assets under administration reached $1,773.1 billion, a 14% increase from $1,557.5 billion in December 2024[28] - Private Client Group assets in fee-based accounts grew by 19% to $1,040.1 billion from $876.6 billion in the previous year[28] - Domestic Private Client Group net new assets were $30,828 million, showing an annualized growth rate of 8.0%[28] Revenue Segments - Capital Markets segment revenues decreased by 21% year-over-year, primarily due to lower M&A and advisory revenues[8] - The Private Client Group generated revenues of $2,768 million, reflecting a 9% increase from $2,548 million year-over-year[32] - The Bank segment reported revenues of $487 million, up 15% from $425 million in the previous year[32] - Asset Management revenues rose by 11% to $326 million, compared to $294 million in the same quarter last year[32] - Total brokerage revenues increased by 9% to $470 million compared to $433 million in the previous year[35] - Total investment banking revenues decreased by 37% to $200 million from $317 million in the previous year[38] Assets and Liabilities - Total assets as of December 31, 2025, increased to $88.8 billion, an 8% rise from $82.3 billion a year earlier[28] - Total assets increased to $66.7 billion as of December 31, 2025, representing a 7% increase from $62.3 billion in 2024[49] - Interest-earning assets in the Bank segment totaled $65,520 million, with a net interest margin of 2.81%[30] - Total interest-bearing liabilities amounted to $70,650 million, with an average interest rate of 2.48%[30] Dividends and Stock Repurchase - The quarterly dividend was increased by 8% to $0.54 per share, with $400 million of common stock repurchased during the quarter[19] Equity and Returns - Annualized return on common equity was 18.0%, while adjusted return on tangible common equity was 21.4%[4] - Book value per share increased to $63.41, reflecting a 10% growth from $57.89 in the prior year[28] - Return on common equity for the three months ended December 31, 2025, was 18.0%, down from 20.4% for the same period in 2024[60] - Adjusted return on common equity was 18.5% for the three months ended December 31, 2025, compared to 20.9% for the same period in 2024[60] Expenses - Total non-interest expenses rose by 12% to $2,329 million compared to $2,086 million in the previous year[35] - Compensation, commissions, and benefits expense rose to $2,450 million, up from $2,272 million in 2024[52] Nonperforming Assets - Total nonperforming assets rose to $208 million, a 29% increase from $161 million in 2024[49] - Total criticized loans were $611 million, a slight increase of 2% from $599 million in 2024[49]

ServiceNow Reports Fourth Quarter and Full-Year 2025 Financial Results; Board of Directors Authorizes Additional $5B for Share Repurchase Program Recent Business Highlights Partner Updates SANTA CLARA, Calif. - January 28, 2026 - ServiceNow (NYSE: NOW), the AI control tower for business reinvention, today announced financial results for its fourth quarter ended December 31, 2025, with subscription revenues of $3,466 million in Q4 2025, representing 21% year-over-year growth and 19.5% in constant currency. " ...

Financial Performance - Net revenue for Q4 2025 was $3.65 billion, a 25.9% increase from $2.90 billion in Q4 2024[5] - Net income for Q4 2025 was $448 million, compared to $392 million in Q4 2024, reflecting a 14.3% year-over-year growth[5] - Full year 2025 net income attributable to Las Vegas Sands was $1.63 billion, or $2.35 per diluted share, compared to $1.45 billion, or $1.96 per diluted share, in 2024[6] - Operating income for the year ended December 31, 2025, was $2,818 million, up 17% from $2,402 million in 2024[29] - Net income attributable to Las Vegas Sands Corp. for Q4 2025 was $395 million, compared to $324 million in Q4 2024, representing a 22% increase[34] - Adjusted net income attributable to Las Vegas Sands Corp. for the year ended December 31, 2025, was $2,083 million, compared to $1,673 million in 2024[34] Adjusted Property EBITDA - Consolidated adjusted property EBITDA for Q4 2025 was $1.41 billion, up from $1.11 billion in the prior year quarter, representing a 27% increase[6] - Adjusted Property EBITDA for the year ended December 31, 2025, was $5,232 million, a 19% increase from $4,379 million in 2024[33] - Adjusted Property EBITDA for Marina Bay Sands increased to $806 million, up 50% from $537 million in 2024[52] - Adjusted Property EBITDA for Sands Macao was $4 million, down from $20 million, reflecting a decline of 80%[50] - Adjusted Property EBITDA for The Venetian Macao was $243 million, down from $250 million, resulting in an EBITDA margin decrease of 4.4 percentage points to 32.3%[41] - The total adjusted Property EBITDA margin as a percentage of net revenues for Q4 2025 was 38.8%, slightly up from 38.3% in Q4 2024[30] Revenue Breakdown - Sands China Ltd. total net revenues for Q4 2025 increased 16.4% to $2.05 billion, while net income was $213 million, down from $237 million in Q4 2024[7] - The Venetian Macao generated net revenues of $752 million in Q4 2025, up from $682 million in Q4 2024[30] - Marina Bay Sands reported net revenues of $1,603 million for Q4 2025, a 41% increase from $1,137 million in Q4 2024[30] - The Londoner Macao's casino revenues increased by $137 million to $524 million in Q4 2025, up from $387 million in the same period last year[43] - The Plaza Macao and Four Seasons Macao achieved net revenues of $264 million, reflecting a $41 million increase from $223 million in 2024[48] - Sands Macao reported net revenues of $76 million for the three months ended December 31, 2025, a decrease of 10% from $86 million in 2024[50] Capital Expenditures and Share Repurchase - Capital expenditures for Q4 2025 totaled $274 million, including $149 million at Marina Bay Sands and $121 million in Macao[16] - The company repurchased $500 million of common stock during Q4 2025, with a remaining authorization of $1.56 billion under the share repurchase program[10] Cash and Debt Position - As of December 31, 2025, unrestricted cash balances were $3.84 billion, and total debt outstanding was $15.63 billion[12][13] Gaming Metrics - Marina Bay Sands saw table games win per unit per day rise to $23,730 in Q4 2025, compared to $16,914 in 2024, marking a significant increase of 40.5%[39] - Rolling Chip volume at The Londoner Macao surged to $3,543 million, an increase of $1,694 million from $1,849 million in 2024[43] - Rolling Chip volume at Marina Bay Sands rose to $13,403 million, a significant increase of 66% from $8,068 million[52] - Non-Rolling Chip drop at Marina Bay Sands increased to $2,881 million, up 23% from $2,342 million[52] - Slot machine win per unit per day at The Parisian Macao was $323, slightly up from $322 in 2024[45] Room Rates and Occupancy - The average daily room rate (ADR) at The Londoner Macao decreased to $269, down from $290, a decline of $21[43] - The average daily room rate (ADR) at Sands Macao decreased to $167, down 4% from $174[50] - The average daily room rate (ADR) at Marina Bay Sands increased to $978, up 5.5% from $927[52] - The overall occupancy rate at The Venetian Macao was 98.8%, a slight decrease from 99.5% in the previous year[41]

Financial Results - Tesla, Inc. published its press release on January 2, 2026, detailing its financial results[4] Stock Information - The company is listed on the Nasdaq Global Select Market under the trading symbol TSLA[2] Company Classification - Tesla is classified as an emerging growth company, indicating it may have certain reporting exemptions[3]

Exhibit 99 January 28, 2026 570-724-0225 Contact: Charity Frantz charityf@cnbankpa.com C&N ANNOUNCES FOURTH QUARTER AND YEAR END 2025 UNAUDITED FINANCIAL RESULTS FOR IMMEDIATE RELEASE: Wellsboro, PA – Citizens & Northern Corporation ("C&N") (NASDAQ: CZNC) announced its unaudited, consolidated financial results for the three-month and twelve-month periods ended December 31, 2025. C&N's principal activity is community banking, and its largest subsidiary is Citizens & Northern Bank ("C&N Bank"). Highlights: 1 ...

"In the fourth quarter, we delivered strong revenue growth, with double-digit Software performance. Additionally, Infrastructure continued its double-digit revenue growth with the robust adoption of the next generation of our mainframe platform. Our generative AI book of business now stands at more than $12.5 billion. This capped a strong 2025 for IBM where we exceeded expectations for revenue, profit and free cash flow," said Arvind Krishna, IBM chairman, president and chief executive officer. "We enter 20 ...

Financial Performance - For Q4 2025, First Interstate BancSystem reported net income of $108.8 million, or $1.08 per diluted share, up from $71.4 million, or $0.69 per diluted share in Q3 2025, and $52.1 million, or $0.50 per diluted share in Q4 2024[1][2]. - For the full year 2025, net income was $302.1 million, or $2.94 per diluted share, compared to $226.0 million, or $2.19 per diluted share in 2024, representing a 33.6% increase[2]. - Net income for Q4 2025 increased to $108.8 million, representing a 52.4% increase compared to Q3 2025 and a 108.8% increase compared to Q4 2024[42]. - Earnings per share (EPS) for Q4 2025 was $1.08, a 56.5% increase from Q3 2025 and a 111.8% increase from Q4 2024[42]. - For the year ended December 31, 2025, net income was $302.1 million, a 33.7% increase from $226.0 million in 2024[45]. - Annualized net income available to common shareholders for the quarter was $431.7 million, up from $283.3 million in the previous quarter[65]. Income and Expenses - Total noninterest income for Q4 2025 was $106.6 million, an increase of $62.9 million from Q3 2025, primarily due to a $62.7 million gain from the sale of Arizona and Kansas branches[14][16]. - Total noninterest expense for the year ended December 31, 2025, was $640.3 million, a slight increase of 0.5% from $637.4 million in 2024[45]. - The provision for credit losses in Q4 2025 was $7.1 million, compared to a reduction of $0.3 million in Q2 2025 and a decrease of 78.9% from $33.7 million in Q4 2024[42]. Asset and Liability Management - Total assets decreased by $692.3 million, or 2.5%, to $26,640.6 million as of December 31, 2025, from $27,332.9 million as of September 30, 2025, primarily due to a decrease in loans[22]. - Loans held for investment decreased by $632.8 million, or 4.0%, to $15,201.6 million as of December 31, 2025, compared to $15,834.4 million as of September 30, 2025[24]. - Total deposits decreased by $516.7 million to $22,088.3 million as of December 31, 2025, from $22,605.0 million as of September 30, 2025, primarily due to branch sales[26]. - Total interest-bearing deposits decreased by 1.5% quarter-over-quarter to $16,801.5 million, and declined by 2.4% year-over-year[50]. - The ratio of loans held for investment to deposits was 68.8% as of December 31, 2025, down from 70.1% as of September 30, 2025[25]. Capital and Equity - The common equity tier 1 capital ratio improved by 48 basis points to 14.38% in Q4 2025, driven by lower risk-weighted assets[5]. - Total common stockholders' equity (GAAP) as of December 31, 2025, is $3,447.0 million, slightly down from $3,448.7 million in the previous quarter[65]. - Tangible common stockholders' equity (Non-GAAP) increased to $2,264.8 million from $2,263.2 million quarter-over-quarter[65]. - The book value per common share increased by 2.8% quarter-over-quarter to $34.09, and rose by 7.9% year-over-year[48]. - The tangible book value per common share rose by 2.9% quarter-over-quarter to $22.40, reflecting an 11.1% increase year-over-year[48]. Credit Quality - Non-performing assets decreased by $47.3 million, or 25.5%, to $138.3 million as of December 31, 2025, compared to $185.6 million as of September 30, 2025[5]. - Net charge-offs increased to $22.1 million, or an annualized 0.56% of average loans outstanding, compared to $2.3 million, or 0.06% in Q3 2025, but decreased from $55.2 million, or 1.22% in Q4 2024[11]. - Criticized loans decreased by $112.3 million, or 9.6%, to $1,051.8 million as of December 31, 2025, from $1,164.1 million as of September 30, 2025[30]. - Non-accrual loans decreased to $133.5 million, down 26.5% from $181.6 million in the previous quarter[52]. - The allowance for credit losses decreased to $191.4 million from $205.8 million in the previous quarter, representing a 7.0% decline[52]. Operational Efficiency - The efficiency ratio improved to 52.17%, down from 61.68% in the previous quarter, indicating better operational efficiency[54]. - The return on average assets improved to 1.60% for the quarter ended December 31, 2025, compared to 1.04% in the prior quarter[54]. - Return on average common stockholders' equity (GAAP) increased to 12.40 from 8.22 quarter-over-quarter[65]. - The total risk-based capital ratio rose to 17.06%, compared to 16.62% in the previous quarter[54]. Shareholder Returns - The board of directors declared a dividend of $0.47 per common share, equating to a 5.7% annualized yield based on the average closing price of $32.72 during Q4 2025[6]. - The company paid regular common stock dividends of approximately $48.1 million, or $0.47 per share, during Q4 2025[28]. - The company repurchased approximately 3.65 million shares for a total of $117.6 million since the adoption of its $150 million stock repurchase program on August 28, 2025[5].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ___________________________________________________________________________________ __________________FORM _____________________________10-K ____________________________________ (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended November 30, 2025 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD ...