Financial Performance - Fourth quarter 2025 net income reached $22.6 million, a 6% increase from the third quarter of 2025, with diluted EPS of $1.33[1][3] - For the year ended December 31, 2025, net income totaled $65.2 million, a 23% increase year-over-year, with diluted EPS of $3.84, up 6%[2][3] - Net income for the year ended December 31, 2025, was $65,160, up from $53,004 in 2024, representing a 23% increase[22] - Net income for the three months ended December 31, 2025, was $22,559,000, an increase from $21,194,000 in the previous quarter and $14,666,000 in the same quarter of 2024[45] - Adjusted net income for the year ended December 31, 2025, was $74,439,000, compared to $53,432,000 for the year ended December 31, 2024, showing an increase of 39.2%[41] Earnings and Ratios - Diluted EPS for the year was $3.84, compared to $3.62 in 2024, reflecting a 6% increase[22] - Basic earnings per share for the year ended December 31, 2025, increased by 6% to $3.86 from $3.63 in 2024[28] - The adjusted return on average equity for the year ended December 31, 2025, was 11.38%, up from 10.45% in 2024, representing an increase of 8.9%[43] - Return on average assets improved to 1.28% from 1.21% in September 2025 and 0.94% in December 2024[22] - The efficiency ratio improved to 54.16% for the three months ended December 31, 2025, down from 54.94% in the previous quarter and 59.62% in the same quarter of 2024[46] Income Sources - Total interest income for the year ended December 31, 2025, increased by 28% to $320,655,000 compared to $249,557,000 in 2024[28] - Net interest income rose by 53% to $203,257,000 for the year ended December 31, 2025, up from $132,453,000 in 2024[28] - Non-interest income for the year ended December 31, 2025, increased by 18% to $52,522,000 compared to $44,539,000 in 2024[28] - Non-interest income for Q4 2025 remained stable at $14.1 million, with assets under administration in wealth and brokerage businesses growing 11% to $2.4 billion[6] Asset and Loan Growth - Total assets as of December 31, 2025, were $7.0 billion, reflecting a 20% growth during 2025, primarily due to the acquisition of Northway Financial[8] - Total assets increased to $6,974,584, a 20% increase compared to $5,805,138 in December 2024[22] - Total loans reached $5,021,193 thousand, reflecting a growth of 2% from $4,976,010 thousand in the previous quarter and a significant increase from $4,116,313 thousand year-over-year[30] - Loans totaled $5.0 billion as of December 31, 2025, a 1% decrease from the previous quarter, while home equity loans grew 6% in Q4 2025[9] Credit Quality - The allowance for credit losses on loans was 0.91% of total loans, with non-performing assets at 0.10% of total assets as of December 31, 2025[10] - Non-performing loans to total loans ratio was 0.14% for the year ended December 31, 2025, down from 0.17% in the previous quarter, indicating a decrease of 17.6%[38] - The allowance for credit losses (ACL) on loans at the end of the period was $45,276,000, compared to $35,728,000 at the end of the previous year, reflecting an increase of 26.6%[38] - Provision for credit losses for the year ended December 31, 2025, was $22,290,000, compared to a credit of $404,000 in 2024, indicating a significant increase in provisions[28] Shareholder Returns - A cash dividend of $0.42 per share was declared, yielding 3.87% based on the closing share price of $43.38 on December 31, 2025[13] - A new share repurchase program was announced on January 8, 2026, for up to 850,000 shares, representing approximately 5% of outstanding stock[10] Efficiency and Management - The company's efficiency ratios were 54.16% (GAAP) and 51.69% (non-GAAP) for Q4 2025, indicating strong revenue momentum and disciplined expense management[3][7] - Total non-interest expense for the year ended December 31, 2025, increased by 38% to $154,834,000 from $111,936,000 in 2024[28] - The efficiency ratio (non-GAAP) improved to 51.69% from 52.47% in September 2025 and 54.46% in December 2024[22]

Financial Performance - PACCAR achieved annual revenues of $28.44 billion and net income of $2.38 billion ($4.51 per diluted share) in 2025, including a $264.5 million after-tax charge related to civil litigation[3]. - In Q4 2025, PACCAR reported revenues of $6.82 billion and net income of $556.9 million ($1.06 per diluted share), a decrease from $7.91 billion and $872.0 million in Q4 2024[2]. - Net income for the year ended December 31, 2025, was $2,375.8 million, down from $4,162.0 million in 2024, representing a decrease of 43.0%[27]. - Total income before income taxes for the year was $3,023.5 million, a decrease of 44.0% from $5,400.9 million in 2024[27]. - The company declared dividends of $1.73 per share in Q4 2025, down from $3.30 per share in Q4 2024, a reduction of 47.5%[27]. - Cash and cash equivalents at the end of the period were $6,307.9 million, down from $7,060.8 million at the end of 2024, a decrease of 10.7%[30]. Segment Performance - PACCAR Parts achieved record annual revenues of $6.87 billion, a 3% increase from $6.67 billion in 2024, with pretax income of $1.67 billion[16]. - PACCAR Financial Services reported record revenues of $2.21 billion in 2025, with pretax income of $485.4 million, an 11% increase from $435.6 million in 2024[19]. - Net sales for the Truck, Parts and Other segment decreased to $6,252.1 million in Q4 2025 from $7,363.2 million in Q4 2024, a decline of 15.1%[27]. - Total revenues for the Financial Services segment increased to $2,209.7 million in 2025 from $2,099.5 million in 2024, an increase of 5.2%[27]. Vehicle Deliveries and Market Share - PACCAR delivered 144,200 vehicles worldwide in 2025, maintaining a 30% market share in the U.S. and Canada Class 8 retail sales[9]. - New truck deliveries in the United States and Canada decreased to 15,000 units in Q4 2025 from 22,300 units in Q4 2024, a decline of 32.4%[37]. Research and Development - The company invested $1.17 billion in capital projects and research and development in 2025, with plans to invest $725-$775 million in capital projects and $450-$500 million in R&D in 2026[20]. - Research and development expenses for the year were $445.5 million, slightly down from $452.9 million in 2024, indicating a decrease of 1.0%[27]. Innovation and Infrastructure - The DAF XD and XF Electric trucks were awarded International Truck of the Year 2026, highlighting PACCAR's commitment to innovation in electric vehicle technology[14]. - PACCAR Parts opened a new 180,000 sq. ft. Parts Distribution Center in Calgary, Canada, enhancing parts delivery capabilities[16]. Financial Stability - PACCAR's strong balance sheet and A+/A1 credit ratings enabled the issuance of $3.12 billion in medium-term notes during 2025, facilitating competitive retail financing[19]. - Financial Services income before income taxes increased to $485.4 million for the year ended December 31, 2025, compared to $435.6 million in 2024, an increase of 11.0%[27]. Legal and Charges - The company recorded a pre-tax charge of $350.0 million related to civil litigation in Europe in Q1 2025[27]. - PACCAR's cash provided by operations was $4.42 billion in 2025, supporting strong financial performance and shareholder returns[10].

Financial Performance - Sales for the second quarter increased 3.0% to $20.8 billion compared to the same period in fiscal year 2025[5] - Gross profit increased 3.9% to $3.8 billion, with a gross margin of 18.3%, reflecting a 15 basis point increase[6] - Operating income decreased 2.8% to $692 million, while adjusted operating income increased 3.1% to $807 million[3] - Net earnings decreased 4.2% to $389 million, but adjusted net earnings increased 3.9% to $476 million[3] - Sales for the 13-week period ended December 27, 2025, were $20,762 million, an increase of 3.0% compared to $20,151 million for the same period in 2024[24] - Gross profit for the 26-week period ended December 27, 2025, was $7,693 million, up from $7,403 million in 2024, reflecting a growth of 3.9%[24] - Net earnings for the 26-week period ended December 27, 2025, were $866 million, a decrease of 3.3% from $896 million in the prior year[26] - Basic earnings per share for the 13-week period ended December 27, 2025, were $0.81, compared to $0.83 for the same period in 2024[24] - For the 26-week period, Sysco reported GAAP sales of $41,910 million, a 3.1% increase from $40,634 million in the prior year[36] - Diluted earnings per share (GAAP) decreased to $1.80, down 1.1% from $1.82[37] Cash Flow and Shareholder Returns - Cash flow from operations was $611 million, and free cash flow was $413 million for the first 26 weeks of fiscal year 2026[13] - The company returned $518 million to shareholders via dividends during the first 26 weeks of fiscal year 2026[13] - Free cash flow for the 26-week period ended December 27, 2025, was $413 million, up from $331 million in the prior year, reflecting an increase of $82 million[43] Sales Growth - U.S. Foodservice local case volume grew by 1.2%, contributing to overall positive case growth[1] - International Foodservice Operations sales increased 7.3% to $4.0 billion, with a gross profit increase of 9.5% to $832 million[11] - U.S. foodservice operations sales increased by $339 million, or 2.4%, reaching $14,383 million[38] - International foodservice operations sales grew by $271 million, or 7.3%, totaling $3,999 million[38] - Total Sysco sales rose by $611 million, or 3.0%, to $20,762 million[39] Operating Expenses - Operating expenses increased by 5.5% to $3,100 million, with adjusted operating expenses (Non-GAAP) at $2,985 million, reflecting a 4.1% increase[33] - Operating expenses for Total Sysco increased by 5.4% to $6,200 million, with adjusted operating expenses rising by 4.2% to $5,987 million[41] Debt and Leverage - Long-term debt stood at $12,440 million as of December 27, 2025, slightly up from $12,360 million as of June 28, 2025[25] - Total Debt (GAAP) stands at $13,590 million, with Net Debt (Non-GAAP) at $12,368 million[48] - The Net Debt to Adjusted EBITDA ratio (Non-GAAP) is 2.86, indicating the company's leverage relative to its earnings[48] Adjusted Metrics - Adjusted net earnings for fiscal 2026 were $1,028 million, a 3.1% increase from $997 million in fiscal 2025[37] - Adjusted EBITDA growth is considered a key measure of financial performance, with management emphasizing its importance for consistent period comparisons[44] - Adjusted EBITDA for the 13-week period, after certain item adjustments, increased to $1,001 million, reflecting a 3.3% rise from $969 million in the previous year[45] - Adjusted EBITDA for the 26-week period was $2,071 million, an increase of 1.7% compared to $2,037 million in the prior year[46] Strategic Focus - Sysco continues to focus on growth through acquisitions, excluding acquisition-related costs from its non-GAAP financial measures to enhance comparability[31] - The company reported a significant increase in acquisition-related costs, rising to $23 million from $8 million year-over-year, indicating ongoing strategic investments[45] - The impact of restructuring and transformational project costs was significant, with a total impact of $114 million on operating expenses for Total Sysco[41] - The impact of restructuring and transformational project costs in fiscal 2026 included $21 million in severance charges and $93 million in transformation initiative costs[37]

Financial Performance - Central Bancompany reported net interest income of $206.5 million for Q4 2025, with a net interest margin of 4.38%[3]. - Full-year net interest income reached $789.7 million, an increase of $102.3 million from the prior year, with a net interest margin of 4.30%[8]. - GAAP net income for Q4 2025 was $107.6 million, or $0.47 per fully diluted share, compared to $97.1 million and $0.44 in the prior quarter[7]. - Noninterest income for Q4 2025 was $65.8 million, up $8.7 million from the prior quarter, driven by increases in wealth management services[13]. - Total interest income for Q4 FY25 was $255.284 million, an increase of 2.6% from Q3 FY25 and 9.7% from Q4 FY24[31]. - Adjusted net income for Q4 FY25 was $107.591 million, a 5.1% increase from Q3 FY25 and a 17.2% increase from Q4 FY24[31]. - Total revenue for Q4 FY25 was $272.234 million, reflecting a 6.4% increase from Q3 FY25 and a 31.9% increase from Q4 FY24[56]. - Adjusted net income (non-GAAP) for FY25 was $402.603 million, up 20.6% from $333.731 million in FY24[60]. - Total revenue for FY25 was $1,021.359 million, representing a 13.8% increase from $897.714 million in FY24[59]. Asset and Liability Management - Total loans held for investment at the end of Q4 2025 were $11.4 billion, reflecting a quarterly increase of $0.1 billion, or 1.0% growth[9]. - Total deposits at December 31, 2025, were $15.9 billion, an increase of approximately $1.1 billion or 7.3% from the prior quarter[10]. - Total assets increased by $1,568,373, reaching $20,751,978, representing an 8.2% increase compared to the previous quarter and a 7.8% increase year-over-year[30]. - Total liabilities increased by $1,068,810 to $16,968,001, representing a 6.7% increase from the prior quarter and a 5.2% increase year-over-year[30]. - Total stockholders' equity rose by $499,563 to $3,783,977, indicating a 15.2% increase from the previous quarter and a 21.6% increase year-over-year[30]. - Total deposits reached $15,009,001, up 1.9% from the previous quarter and 3.4% year-over-year[35]. - Total assets increased to $19,666,237, reflecting a 3.0% increase quarter-over-quarter and a 4.7% increase year-over-year[35]. Credit Quality - The provision for credit losses for Q4 2025 was $3.0 million, with an allowance for credit losses of $149.7 million, representing 1.31% of loans held for investment[11]. - Nonperforming loans at December 31, 2025, were $46.0 million, or 40 basis points of loans held for investment, down from 45 basis points at the end of the prior quarter[19]. - Nonperforming loans decreased to $45,977 thousand in Q4 FY25, down 9.4% from $50,774 thousand in Q3 FY25[34]. - Net charge-offs for Q4 FY25 were $2,841 thousand, a decrease of 17.6% from $3,450 thousand in Q3 FY25[34]. - Allowance for credit losses was $149,674 thousand in Q4 FY25, a slight increase of 0.1% from $149,459 thousand in Q3 FY25[34]. - Provision for credit losses decreased to $3.016 million, down 10.8% from Q3 FY25 and up 15.2% from Q4 FY24[31]. Operational Efficiency - The efficiency ratio improved to 47.0% in Q4 2025, down from 47.7% in the prior quarter[15]. - Efficiency ratio decreased to 47.6% in Q4 FY25, down from 60.5% in Q4 FY24, indicating improved operational efficiency[32]. - The efficiency ratio for Q2 FY25 was 51.7%, up from 49.3% in Q1 FY25, indicating increased operational costs[46]. Capital Management - The CET1 ratio at December 31, 2025, was 28.1%, representing $1.8 billion of excess capital compared to the long-term target of 13.5%[22]. - Tier 1 capital ratio improved to 28.1% in Q4 FY25, up from 23.6% in Q4 FY24, reflecting an 18.8% increase[32]. - The Tier 1 capital ratio for Q2 FY25 was 23.8%, a decrease from 24.4% in Q1 FY25[46]. - Tangible common equity rose to $3.432 billion in Q4 FY25, a 17.1% increase from Q3 FY25 and 24.6% from Q4 FY24[58]. - Book value per share increased to $15.69 in Q4 FY25, a rise of 5.4% from $14.88 in Q3 FY25[32]. Employee Metrics - The number of full-service offices increased by 1.3% to 153, while full-time equivalent employees decreased by 1.2% to 2,905[39]. - The number of full-time equivalent employees increased to 2,929 in Q2 FY25 from 2,918 in Q1 FY25[46].

Exhibit 99.1 Union Pacific Reports Fourth Quarter and Full Year 2025 Results Omaha, Neb., January 27, 2026 – Union Pacific Corporation (NYSE: UNP) today reported 2025 fourth quarter and full year results. "We had a record-breaking year and delivered best-ever safety, service, and operating results in 2025," said Jim Vena, Union Pacific Chief Executive Officer. "Our 2025 reported net income grew 6%, earnings per share increased 8%, and we improved our operating ratio. While we work through the regulatory pro ...

Commvault Announces Third Quarter Fiscal 2026 Financial Results Total Revenue climbs +19% year over year to a record $314 million Annualized recurring revenue (ARR) reaches $1,085 million, up +22% year over year Sets high for new customers added in fiscal 2026 1 Tinton Falls, N.J. – January 27, 2026 – Commvault (Nasdaq: CVLT) today announced its financial results for the fiscal third quarter ended December 31, 2025. "Commvault delivered another quarter of healthy growth and profitability driven by record cu ...

JUNO BEACH, Fla. - NextEra Energy, Inc. (NYSE: NEE) today reported 2025 fourth-quarter net income attributable to NextEra Energy on a GAAP basis of $1.535 billion, or $0.73 per share, compared to $1.203 billion, or $0.58 per share, for the fourth quarter of 2024. On an adjusted basis, NextEra Energy's 2025 fourth-quarter earnings were $1.133 billion, or $0.54 per share, compared to $1.095 billion, or $0.53 per share, in the fourth quarter of 2024. For the full year 2025, NextEra Energy reported net income a ...

Loan Performance - Outstanding loans increased by 1.5% year over year in Q3 FY 2026, reaching $1.40 billion, compared to $1.38 billion in Q3 FY 2025[8] - Loan origination volume for new customers increased by 16.6% and for refinance customers by 8.0% compared to the same quarter last fiscal year[9] - Gross loans receivable increased to $1,402,316 million in Q3 2025 from $1,381,462 million in Q3 2024, reflecting a growth of 1.3% year-over-year[39] - Loan volume for the nine months ended December 31, 2025, reached $2,314,154 million, up from $2,161,632 million in the same period of 2024, representing a growth of 7.0%[39] Revenue and Profitability - Total revenues for Q3 FY 2026 rose to $141.3 million, a 1.9% increase from $138.6 million in Q3 FY 2025[12] - Total revenues for the first nine months of fiscal 2026 increased by 2.2% to $408.2 million compared to $399.6 million in the prior year[26] - Operating income as a percentage of total revenue decreased to 8.3% in Q3 2025 from 19.7% in Q3 2024, highlighting a decline in profitability[39] - The Company reported a net income (loss) per diluted share of $(0.30) for the nine months ended December 31, 2025, compared to $8.23 in the prior-year period[34] Credit Losses and Charge-offs - The provision for credit losses increased by $7.3 million to $51.4 million in Q3 FY 2026, compared to $44.1 million in Q3 FY 2025[13] - Net charge-offs increased to $46.6 million in Q3 FY 2026, up from $42.4 million in Q3 FY 2025, with a net charge-off rate of 18.7%[16] - Annualized net charge-offs as a percent of average net loans increased from 17.1% to 18.4% for the first nine months of fiscal 2026[26] - Net charge-offs as a percentage of average net loans receivable increased to 18.7% in Q3 2025 from 17.2% in Q3 2024, suggesting a rise in loan defaults[39] Expenses - General and administrative expenses rose by $10.8 million, or 16.1%, to $78.1 million in Q3 FY 2026[19] - Personnel expenses increased by $10.2 million, or 24.9%, compared to Q3 FY 2025, driven by higher incentive expenses and headcount growth[21] - General and administrative expenses as a percentage of total revenue rose to 55.3% in Q3 2025 from 48.5% in Q3 2024, indicating higher operational costs[39] Debt and Equity - Average debt outstanding rose from $534.0 million to $625.4 million, contributing to a debt to equity ratio increase to 1.9:1 at December 31, 2025[23] - Total liabilities increased to $790.8 million as of December 31, 2025, compared to $568.1 million in the previous year[36] Share Repurchase - The Company repurchased 102,559 shares, or 2.1% of its outstanding common stock, at an aggregate purchase price of approximately $15.0 million during the third quarter of fiscal 2026[25] - As of December 31, 2025, the Company had approximately $18.4 million in remaining repurchase capacity under its current share repurchase program[25] Customer Base - The unique customer base grew by 4.1% year over year, marking the largest growth since FY 2022[3] - The company expects lower charge-offs and improved profitability as new customers gain tenure in the portfolio[5]

Financial Performance - For Q4 2025, net income was $34.5 million, a 12% increase quarter-over-quarter and a 42% increase year-over-year[1][2] - For the full year 2025, net income totaled $61.6 million, or $0.49 per diluted common share, with notable items adjusted net income at $113.3 million, up 10% from 2024[3] - For the three months ended December 31, 2025, net income increased by 12% to $34,466,000 compared to $30,776,000 for the previous quarter[32] - The diluted earnings per common share for the same period rose to $0.27, up from $0.24 in the prior quarter, reflecting a 12% increase[34] - Net income excluding notable items for Q4 2025 was $34,477 thousand, compared to $31,526 thousand in Q3 2025 and $24,039 thousand in Q4 2024, representing a 43.4% increase year-over-year[56] Income and Revenue - Net interest income for Q4 2025 was $127.4 million, a 1% increase from Q3 2025, with a net interest margin of 2.90%, up 40 basis points year-over-year[6][7] - Noninterest income for Q4 2025 was $18.4 million, a 19% increase from Q3 2025, driven by growth in customer-level swap fees and service fees[8] - Total revenue for the twelve months ended December 31, 2025, was $498,702 thousand, a 5.0% increase from $474,928 thousand for the same period in 2024[55] - Total noninterest income increased by 19% to $18,351,000 compared to $15,385,000 in the previous quarter[32] - Noninterest income for Q4 2025 was $18,351 thousand, up from $15,385 thousand in Q3 2025 and $15,881 thousand in Q4 2024, marking a 15.5% increase year-over-year[56] Assets and Loans - Total assets as of December 31, 2025, were $18.53 billion, up from $17.05 billion year-over-year[11] - Gross loans totaled $14.79 billion, an 8% increase year-over-year, with significant growth in residential mortgage loans[12] - Total assets reached $18.53 billion, reflecting a 9% increase from $17.05 billion at December 31, 2024[30] - Gross loans, including loans held for sale, increased by 1% to $14.79 billion compared to $14.62 billion at September 30, 2025[30] - Loans held for sale surged by 162% to $86,905 thousand compared to the previous quarter[40] Deposits and Equity - Total deposits were $15.60 billion, a 9% increase year-over-year, despite a 1% decrease quarter-over-quarter[13] - Total deposits amounted to $15,603,143 thousand, an increase of 9% year-over-year[40] - Total stockholders' equity increased by 1% to $2.28 billion compared to $2.26 billion at September 30, 2025[21] - Stockholders' equity rose to $2,283,268 thousand, a 5% increase from the previous year[42] Credit Quality - Criticized loans decreased by $21.8 million, or 6%, quarter-over-quarter, and by $98.9 million, or 22%, year-over-year[15] - The allowance for credit losses was $156.7 million, with a coverage ratio of 1.07% of loans receivable as of December 31, 2025[18][19] - The provision for credit losses for Q4 2025 was $7.2 million, down from $8.7 million in Q3 2025, reflecting lower net charge-offs[19] - Total nonperforming assets increased to $136,055 million as of December 31, 2025, compared to $112,159 million in the previous quarter, reflecting a rise of 21.3%[46] - The ratio of nonperforming assets to total assets was 0.73% as of December 31, 2025, up from 0.61% in the previous quarter[46] Capital Ratios - As of December 31, 2025, the Common Equity Tier 1 Capital Ratio was 12.27%, exceeding the minimum guideline of 6.50% for "well-capitalized" institutions[21] - The TCE ratio improved to 9.76% at December 31, 2025, up 12 basis points from 9.64% at September 30, 2025[21] - The common equity tier 1 ratio decreased to 12.27%, down from 13.06% a year ago[42] - The leverage ratio stood at 11.05%, down from 11.83% a year ago[42] Operational Efficiency - The efficiency ratio for the quarter was 68.22%, slightly improved from 68.24% in the prior quarter[34] - The efficiency ratio excluding notable items for Q4 2025 was 68.16%, slightly higher than 67.56% in Q3 2025 and 65.81% in Q4 2024[56] Future Outlook - The investor conference call to discuss the fourth quarter and full year results is scheduled for January 27, 2026[23]

Exhibit 99.1 | Table 1. Summary Financial | | | | | | | | --- | --- | --- | --- | --- | --- | --- | | Results | Fourth Quarter | | | Full Year | | | | (Dollars in Millions, except per share data) | 2025 | 2024 | Change | 2025 | 2024 | Change | | Revenues | $23,948 | $15,242 | 57% | $89,463 | $66,517 | 34% | | GAAP | | | | | | | | Earnings/(loss) from operations | $8,777 | ($3,770) | NM | $4,281 | ($10,707) | NM | | Operating margins | 36.7 % | (24.7)% | NM | 4.8 % | (16.1)% | NM | | Net earnings/(loss) | $8 ...