Financial Performance - Revenues for the second quarter of fiscal 2026 were $2.2 billion, representing a 5.7% increase year-over-year[1] - Net income was $123.9 million, with diluted EPS of $5.59, up 14.5% compared to the previous year[1] - Adjusted net income reached $150.7 million, and adjusted diluted EPS was $6.81, both up 14.5% year-over-year[1] - EBITDA for the quarter was $262.6 million, resulting in an EBITDA margin of 11.8%[1] - Revenues for the three months ended December 31, 2025, increased by 5.7% to $2,220,097 thousand compared to $2,099,809 thousand for the same period in 2024[18] - Net income for the six months ended December 31, 2025, rose by 8.1% to $248,665 thousand, up from $230,115 thousand in 2024[18] - Basic earnings per share for the three months ended December 31, 2025, increased by 14.5% to $5.61, compared to $4.90 in the prior year[18] - Total revenue for the three months ended December 31, 2025, was $2,220,097, representing a 5.7% increase from $2,099,809 in the same period of 2024[31] - The diluted EPS for the three months ended December 31, 2025, was reported at $5.59, a 14.5% increase from $4.88 in the same period of 2024[35] - The company reported a total of $4,507,720 in revenue for the six months ended December 31, 2025, which is an 8.4% increase from $4,156,698 in the same period of 2024[38] - The EBITDA margin for the three months ended December 31, 2025, was 11.8%, compared to 11.1% in the same period of 2024[38] - The company reported a net income of $123,855 for the three months ended December 31, 2025, which is a 12.7% increase from $109,938 in the same period of 2024[38] Contract Awards and Backlog - Contract awards in the second quarter totaled $1.4 billion, with approximately 70% attributed to new business[7] - Total backlog as of December 31, 2025, was $32.8 billion, a 3.1% increase from the previous year[7] - Funded backlog increased to $4.4 billion, up 7.3% year-over-year[7] - Contract awards for the three months ended December 31, 2025, were $1,441,956, a 23.4% increase from $1,168,955 in the prior year[33] Cash Flow and Guidance - Free cash flow guidance for fiscal year 2026 was increased to at least $725 million, up from at least $710 million[11] - The company expects net cash provided by operating activities for FY26 to be in the range of $810 million, compared to $795 million in the prior guidance[40] - Free cash flow for the three months ended December 31, 2025, was $138,151, up from $66,067 in the same period of 2024[40] - Net cash provided by operating activities for the six months ended December 31, 2025, was $325,260 thousand, compared to $160,703 thousand in 2024[21] Assets and Liabilities - Total current assets as of December 31, 2025, were $2,114,677 thousand, an increase from $1,779,945 thousand as of June 30, 2025[20] - Total liabilities as of December 31, 2025, were $4,795,521 thousand, slightly up from $4,753,653 thousand as of June 30, 2025[20] - Cash and cash equivalents increased to $422,976 thousand as of December 31, 2025, from $106,181 thousand at the beginning of the period[21] - Total shareholders' equity increased to $4,137,768 thousand as of December 31, 2025, from $3,893,945 thousand as of June 30, 2025[20] Acquisition - The company plans to acquire ARKA Group for $2.6 billion, enhancing its technology portfolio in national security[9] Revenue Guidance - Fiscal year 2026 revenue guidance was raised to $9.3 billion - $9.5 billion, up from the previous range of $9.2 billion - $9.4 billion[11]

Financial Performance - Net income available to common shareholders for Q4 2025 was $96.4 million, or $0.53 per diluted share, a decrease of $1.5 million from Q3 2025[2] - Operating net income for the year ended December 31, 2025, was $396.8 million, an increase of $68.7 million, or $0.31 per diluted share, compared to 2024[2] - Net income available to common shareholders was $96,408, compared to $66,058 in the previous year, marking a significant increase of 45.9%[14] - Net income for Q4 2025 was $98.97 million, compared to $68.62 million in Q4 2024, representing a year-over-year increase of 44.2%[27] - Operating net income available to common shareholders for the year ended December 31, 2025, was $396.77 million, up from $328.06 million in 2024, reflecting a growth of 20.9%[29] Income and Expenses - Non-interest income decreased by $0.4 million to $70.0 million in Q4 2025 compared to Q3 2025[3] - Non-interest income was reported at $69,980, slightly up from $65,924 year-over-year, indicating a growth of 6.2%[14] - Total non-interest expense for the year ended December 31, 2025, was $791,829,000, a decrease from $819,791,000 in 2024, indicating cost management efforts[18] - Non-interest expense for Q4 2025 was $212.99 million, up from $216.62 million in Q4 2024, reflecting a decrease of 1.2%[29] Asset and Loan Growth - Total net loans increased to $24.1 billion, up $103.4 million from Q3 2025, driven by a $73.4 million increase in consumer loans[9] - Net loans reached $24.14 billion, showing a slight increase from $24.04 billion in the prior quarter[17] - Net loans remained stable at $24,144,884 compared to $24,044,919 in the previous year, showing a slight increase of 0.42%[14] - Net loans charged off for the quarter were $14,347 thousand, compared to $10,929 thousand in the previous quarter, indicating an increase in charge-offs[25] Deposits and Liabilities - Deposits totaled $26.6 billion, an increase of $256.9 million from Q3 2025, primarily due to increases in brokered deposits and noninterest-bearing demand deposits[9] - Total deposits rose to $26.59 billion, up from $26.33 billion in the previous quarter, reflecting a growth of 0.98%[17] - The total liabilities stood at $28.63 billion, a marginal increase from $28.58 billion in the previous quarter[17] Capital and Ratios - The common equity tier 1 capital ratio increased to approximately 11.8% compared to 11.6% in the prior quarter[5] - The common equity Tier 1 capital ratio increased to 11.8%, up from 10.8% year-over-year, reflecting stronger capital position[16] - Tangible common equity to tangible assets ratio improved to 8.52% in Q4 2025, compared to 7.54% in Q4 2024, indicating stronger capital position[27] Efficiency and Returns - The efficiency ratio improved to 60.0%, compared to 58.4% in the same quarter last year, indicating better cost management[16] - The operating return on average assets for Q4 2025 was 1.27%, slightly down from 1.14% in Q4 2024[27] - Cash dividends per share increased to $0.19, up from $0.18 in the previous quarter, showing a commitment to returning value to shareholders[14] Credit Quality - Provision for credit losses was $2.9 million, resulting in an allowance for credit losses of $364.5 million, or 1.51% of total net loans as of December 31, 2025[9] - Non-performing assets were $185.2 million, or 0.58% of total assets, down from $201.0 million, or 0.63% of total assets, in the prior quarter[9] - Non-performing loans to total net loans decreased to 0.76%, down from 0.92% year-over-year, indicating improved asset quality[16] - Total non-performing assets amounted to $185,161 thousand as of December 31, 2025, a decrease from $201,039 thousand in the previous quarter[25]

Financial Performance - Net income for Q4 2025 was $22.1 million, or $1.15 per diluted share, with an adjusted net income of $23.2 million, or $1.21 per share after acquisition-related expenses[1][3] - Net income for Q4 2025 was $22,084,000, compared to $16,986,000 in Q4 2024, reflecting a growth of 30.9%[33] - Basic earnings per share for Q4 2025 was $1.16, an increase from $1.06 in Q4 2024[34] - Net income allocable to common stockholders was $22,084 thousand for the quarter, compared to a loss of $29,663 thousand in the prior quarter[45] - Diluted earnings per share improved to $1.15, recovering from a loss of $1.55 in the previous quarter[45] Interest Income and Margin - Total interest and dividend income for Q4 2025 was $90,866,000, an increase of 21% from $74,979,000 in Q4 2024[33] - Net interest income after provision for credit losses for the twelve months ended December 31, 2025, was $217,128,000, up from $183,616,000 in 2024, representing an increase of 18.2%[33] - Net interest income after provision for credit losses was $63,518,000 for the quarter, compared to $49,783,000 in the previous year, reflecting a 27.6% increase[35] - The net interest margin for the three months ended December 31, 2025, was 4.47%, an increase from 4.17% in the same quarter of 2024[41] - The interest rate spread for the three months ended December 31, 2025, was 3.80%, compared to 3.52% in the previous year[41] Loan and Deposit Growth - Total loan balances increased by $697.4 million year-over-year, while total deposit balances rose by $763.5 million, driven by the acquisition of NBC[3] - Total loans held-for-investment increased to $4,198,180 thousand as of December 31, 2025, compared to $3,500,816 thousand a year earlier, representing a growth of 19.93%[38] - Total deposits increased to $5,138,264,000 from $4,234,918,000 year-over-year, marking a growth of 21.3%[37] - Total deposits increased to $5,073,696 thousand from $4,243,159 thousand a year ago, representing a growth of 19.59%[38] Non-Interest Income and Expenses - Non-interest income for the quarter was $9.5 million, a 7.4% increase from the previous quarter[10] - Total non-interest income for the twelve months ended December 31, 2025, was $(16,028,000), a significant decrease from $38,822,000 in 2024[33] - Total non-interest expense decreased to $46.6 million from $49.1 million in the prior quarter, with a 5.1% increase when excluding merger expenses[11] - Total non-interest expense for the twelve months ended December 31, 2025, was $174,720,000, compared to $144,157,000 in 2024, indicating an increase of 21.2%[33] Asset Quality and Capital Ratios - Nonperforming assets decreased to $46.7 million, or 0.7% of total assets, compared to $52.6 million, or 0.8% of total assets, in the previous quarter[15] - The allowance for credit losses on loans to total loans ratio was 1.26%, consistent with the previous quarter and up from 1.24% a year ago[38] - Common Equity Tier 1 Capital Ratio rose to 13.08% from 12.84% in the previous quarter, indicating improved capital strength[39] - Total stockholders' equity to total assets ratio was 11.49%, up from 11.18% in the previous quarter, indicating a stronger equity position[39] Future Outlook - The company anticipates potential benefits from the proposed transaction with Frontier Bank, although actual results may vary due to various risks[30]

Exhibit 99.1 PRESS RELEASE CONTACTS Rory G. Ritrievi Chair, President & Chief Executive Officer Justin T. Webb Chief Financial Officer MID PENN BANCORP, INC. REPORTS FOURTH QUARTER AND FULL YEAR EARNINGS, DECLARES 61ST CONSECUTIVE QUARTERLY DIVIDEND AND SPECIAL DIVIDEND January 21, 2026 – Harrisburg, PA – Mid Penn Bancorp, Inc. (NASDAQ: MPB) ("Mid Penn"), the parent company of Mid Penn Bank (the "Bank") and MPB Financial Services, LLC, today reported net income available to common shareholders ("earnings") ...

Financial Performance - Total assets reached $10.5 billion, total loans at $7.3 billion, and total deposits at $9.1 billion as of December 31, 2025[8] - Net interest income increased by $0.1 million quarter over quarter, while net interest margin decreased to 2.38% from 2.43% in the previous quarter[18] - Provision for credit losses was $15.5 million for Q4 2025, significantly down from $113.2 million in the prior quarter, with net charge-offs totaling $12.3 million[20] - Noninterest income rose by $9.7 million, driven by the absence of third-quarter losses and gains from SBIC investments[20] - The efficiency ratio improved to 63.72%, indicating a disciplined cost structure[10] - Average deposits decreased by $62.9 million for the quarter, reflecting lower balances in time deposit accounts[26] - Noninterest income is expected to grow by 15-25% in 2026, following a 20-30% growth in the previous quarter[22] - The net interest margin for 2026 is projected to be between 2.60% and 2.80%[22] - The effective tax rate is expected to be between 12-16% in 2026, down from 15-20%[22] - Tangible Book Value Per Share (TBVPS) as of December 31, 2025, is projected to be $37.59, reflecting a decrease due to net income and other adjustments[56] Liquidity and Capital Management - The company maintains $4.7 billion in combined on-balance sheet liquidity, significantly exceeding its $2.4 billion in uninsured deposits[10] - Available liquidity is over $4.7 billion, covering uninsured deposits of $2.4 billion by more than 199%[26] - The allowance for credit losses to loans held for investment is projected to be 2.19% for Q4 2025[30] - The company has positioned its portfolio to manage liquidity and pledging needs effectively[54] - Cash flow from the securities portfolio is utilized to pay down brokered funding[54] - The company considers tangible equity important for evaluating capital adequacy and comparing against other financial institutions[68] Strategic Initiatives - The strategy includes optimizing and diversifying loans and securities to drive sustainable growth, focusing on business relationships and C&I lending[12] - The company aims to redeploy $254 million from its investment portfolio into higher-yielding assets in 2026[18] - The company aims to increase core deposits and reduce reliance on wholesale funding as part of its long-term strategy[26] Loan and Securities Portfolio - Non-accrual loans decreased by $11.8 million during the fourth quarter, driven by paydowns on credit facilities[46] - The total CRE office loan portfolio has declined by $286.9 million year-over-year[34] - Total securities decreased by $124 million from September 30, 2025, due to principal paydowns, maturities, and called securities[54] - Unencumbered securities available for pledging amount to $1.29 billion[54] Performance Metrics - The efficiency ratio, a non-GAAP measure, is calculated by dividing GAAP non-interest expense by the sum of GAAP net interest income and GAAP non-interest income[68] - Adjusted PPNR excludes the impact of loan sales to provide a clearer view of core operating performance[68]

Sales Performance - Full year 2025 net sales reached a record $1.49 billion, up 2% from $1.45 billion in 2024[3] - Fourth quarter net sales were $386 million, a 7% increase compared to $362 million in the same quarter of 2024[3] - European based net sales for the full year increased by 7% to $1.016 billion, with fourth quarter sales rising 9% to $233 million[3][6] - U.S. based net sales for the full year declined by 6% to $482 million, but increased by 4% in the fourth quarter to $155 million[3][11] Fragrance Sales - Coach fragrance sales grew by 15% for the full year and 5% in the fourth quarter, supported by successful new launches[7] - Lacoste fragrance sales surged 28% for the full year, reaching $108 million, exceeding initial expectations[8] - Montblanc brand sales rose 22% in the fourth quarter, driven by the success of new product lines[9] - Jimmy Choo fragrances experienced a 6% growth in 2025, bolstered by the performance of its women's and men's franchises[10] Brand Expansion and Management Outlook - The newly launched Solférino brand is set to expand into an additional 50 doors in the first half of 2026[11] - Management remains cautiously optimistic about 2026, anticipating a more favorable operating environment and potential new brand acquisitions[14]

Financial Performance - Record annual net income of $66.3 million and diluted earnings per share of $3.79 for the year ended December 31, 2025, compared to $47.7 million and $2.78 per diluted share for 2024[3] - Net income for the three months ended December 31, 2025, was $17,898 thousand, slightly down from $18,057 thousand in the previous quarter, a decrease of 0.88%[29] - Net income available to common shareholders for the three months ended December 2025 was $16,701,000, compared to $12,418,000 for the same period in 2024, reflecting a year-over-year increase of 34.5%[45] - Diluted earnings per share for the year ended December 31, 2025, was $3.79, up from $2.78 in the previous year, representing a growth of 36.3%[29] - Basic earnings per share for Q4 2025 was $1.21, up from $0.90 in Q4 2024, representing a 34.4% increase[31] - Basic earnings per share for the three months ended December 31, 2025, was $1.21, compared to $1.22 in the previous quarter, reflecting a decline of 0.82%[29] Asset Growth - Total assets rose by $398.3 million to $5.34 billion, representing an 8.1% increase over the previous year[10] - Total assets grew to $5,340,759,000 in December 2025 from $4,942,446,000 in December 2024, a rise of 8.1%[45] - Total assets increased to $5,221,538 thousand in Q4 2025, compared to $5,091,618 thousand in Q3 2025, marking a 2.6% increase[34] Loan and Deposit Metrics - Gross loans increased to $4.39 billion as of December 31, 2025, a growth of 10.8% from $3.97 billion reported as of December 31, 2024[10] - Deposits totaled $4.63 billion as of December 31, 2025, a 7.3% increase from $4.31 billion reported as of December 31, 2024[10] - Total loan portfolio increased to $4,394,751 thousand in December 2025, up from $4,165,116 thousand in September 2024, representing a growth of 5.5%[40] - Interest-bearing deposits rose to $3,989,201 thousand in Q4 2025, with an average rate of 3.73%, down from 3.98% in Q3 2025[34] Income and Expense Analysis - Net interest income for the fourth quarter of 2025 was $52.2 million, up 20.2% from $43.4 million in the fourth quarter of 2024[9] - Noninterest income increased to $4.3 million for the fourth quarter of 2025, compared to $2.9 million for the same quarter in 2024[11] - Total noninterest expense rose to $32,691 thousand for the three months ended December 31, 2025, compared to $28,892 thousand in the previous quarter, indicating an increase of 13.5%[29] - Total interest income for the three months ended December 31, 2025, was $92,099 thousand, compared to $92,503 thousand for the previous quarter, reflecting a decrease of 0.44%[29] Credit Quality - Nonperforming loans decreased to $21.5 million, with a nonperforming loans to total loans ratio of 0.49% as of December 31, 2025[15] - The provision for credit loss for the fourth quarter of 2025 was $2.2 million, with an allowance for credit losses of $43.9 million, representing 1.00% of gross loans[16] - The allowance for credit losses to total loans ratio was 1.00% in December 2025, slightly down from 1.02% in September 2024[40] - The company maintains a focus on asset quality, with nonaccrual loans totaling $10,120 thousand in December 2025, down from $10,723 thousand in September 2024[40] Shareholder Metrics - Shareholders' equity increased to $531,027 thousand, reflecting a growth of 3.4% from $513,830 thousand in the prior quarter[27] - Book value per share increased to $33.47 in Q4 2025 from $28.65 in Q4 2024, a growth of 16.3%[31] - Tangible common equity reached $446,187,000 in December 2025, up from $375,718,000 in December 2024, marking an increase of 19.0%[45] Strategic Outlook - The integration of Keystone Bancshares, Inc. is expected to enhance market presence and operational efficiency, although potential risks remain[23] - The company anticipates continued revenue and earnings growth, supported by strategic expansion initiatives and market conditions[24]

Financial Performance - Adjusted net income for Q4 2025 was $61,494, up from $57,606 in Q3 2025, indicating a growth of 3.3%[7] - Net income applicable to FB Financial Corporation was $56,977, representing a 143.8% increase from Sep 2025 and a 50.4% increase from Dec 2024[10] - Basic earnings per share increased to $1.08, a 145.5% increase from Sep 2025 and a 33.3% increase from Dec 2024[10] - Net income for the three months ended December 2025 was $56,977 million, a significant increase compared to $23,375 million in September 2025[65] - Adjusted net income for the year ended December 2025 was $200,029 million, compared to $159,281 million in the previous year[65] Revenue Growth - Total revenue for Dec 2025 was $178,599, up 2.72% from Sep 2025 and 37.0% from Dec 2024[10] - Total revenue grew by 22.9% to $560,010,000, up from $455,573,000 in the previous year[12] - Total noninterest income rose to $28,795, an 8.11% increase from Sep 2025 and a 30.9% increase from Dec 2024[10] - Banking segment total revenue for the three months ended December 2025 was $161,772,000, compared to $157,937,000 in the previous quarter, marking an increase of 1.2%[58] Asset Management - Total assets increased to $16,300,292, up from $16,236,459 in the previous quarter, reflecting a growth of 0.4%[7] - Total assets reached $16,300,292,000, a 23.9% increase compared to $13,157,482,000 in Dec 2024[14] - Total assets as of December 2025 were $16,300,292 million, a slight increase from $16,236,459 million in September 2025[62] Deposits and Loans - Total deposits reached $13,909,961, an increase from $13,812,955 in the previous quarter, marking a growth of 0.7%[7] - Total deposits rose by 2.79% to $13,909,961,000, up from $11,210,434,000 year-over-year[14] - Loans held for investment (HFI) increased to $12,383,626, compared to $12,297,600 in Q3 2025, reflecting a growth of 0.7%[7] - Total loan portfolio as of December 2025 reached $12,383,626, an increase from $12,297,600 in September 2025[35] Efficiency and Ratios - The efficiency ratio improved to 60.2% in Q4 2025, down from 63.2% in Q3 2025, indicating enhanced operational efficiency[7] - The efficiency ratio improved to 57.8% in December 2025 from 61.4% in September 2025[47] - The average interest rate spread improved to 3.21% from 3.14% in the previous quarter[16] - Adjusted return on average tangible common equity was 15.9% for December 2025, an increase from 14.7% in September 2025[65] Interest Income - Net interest income for Q4 2025 was $149,804, compared to $147,240 in Q3 2025, representing a 1.1% increase[7] - Total interest income for Dec 2025 was $235,238, a decrease of 0.70% from Sep 2025 but an increase of 26.2% from Dec 2024[10] - Net interest income for the year ended December 2025 reached $516,100,000, up from $416,503,000 in the previous year, representing a year-over-year increase of 24%[56] Credit Losses - The allowance for credit losses on loans HFI remained stable at 1.50% of loans HFI, consistent with the previous quarter[7] - Provision for credit losses on loans HFI was $2,428, a significant decrease of 91.9% from Sep 2025[10] - Provisions for credit losses were $796 thousand in December 2025, significantly lower than $34,070 thousand in September 2025[47] Shareholder Equity - Total common shareholders' equity increased to $1,948,165 thousand in December 2025 from $1,567,538 thousand in December 2024[44] - Tangible common equity was $1,566,528 million as of December 2025, down from $1,594,474 million in September 2025, reflecting a decrease of 1.1%[62] Liquidity - Cash and cash equivalents amounted to $1,155,895 million, accounting for 64% of total on-balance sheet liquidity[32] - Total available sources of liquidity increased to $9,009,696 million, reflecting a strong liquidity position[32] - On-balance sheet liquidity as a percentage of total assets was 11.1% in December 2025, down from 11.6% in September 2025[62]

Financial Performance - Net income attributable to common shareholders for Q4 2025 was $44.1 million, or $0.95 per diluted share, with a total annual net income of $102.8 million, or $2.23 per diluted share[1][6] - Total revenue for 2025 increased by 18% to $577.8 million compared to $488.6 million in 2024[6] - Net income attributable to Live Oak Bancshares, Inc. reached $105,871 thousand for the year ended December 31, 2025, compared to $77,474 thousand in 2024, reflecting a 36.7% increase[14] - Net income attributable to common shareholders was $44,116 million, a 72.6% increase from Q3 2025 and a 345.6% increase from Q4 2024[12] - Basic earnings per share for Q4 2025 was $0.96, up 71.4% from Q3 2025 and 336.4% from Q4 2024[12] - Basic earnings per share increased to $2.25 for the year ended December 31, 2025, compared to $1.72 in 2024, representing a 30.8% increase[14] Revenue and Income Sources - Total interest income for Q4 2025 reached $239.655 million, a 3.6% increase from Q3 2025 and a 12.7% increase from Q4 2024[12] - Net interest income after provision for credit losses was $101.275 million, reflecting an 8.6% increase from Q3 2025 and a 58.5% increase from Q4 2024[12] - Noninterest income surged to $49.787 million, an 85.5% increase compared to Q3 2025 and an 80.7% increase from Q4 2024[12] - Noninterest income totaled $129,458 thousand for the year ended December 31, 2025, up 15.0% from $112,652 thousand in 2024[14] Asset and Liability Management - Total assets grew by 16.9% to $15.13 billion, while total deposits increased by 16% to $13.69 billion[4][6] - Total assets increased to $15,134,778 thousand in Q4 2025, up 3.2% from Q3 2025 and 16.9% from Q4 2024[13] - Total liabilities reached $13,880,672 thousand in Q4 2025, a 3.1% increase from Q3 2025 and 16.3% from Q4 2024[13] - Shareholders' equity attributed to Live Oak Bancshares, Inc. increased to $1,249,868 thousand in Q4 2025, a 4.3% increase from Q3 2025 and 25.1% from Q4 2024[13] Credit and Provisioning - Provision expense for credit losses remained relatively flat at $96.3 million compared to $96.2 million in 2024[4][6] - Provision for credit losses decreased to $21.845 million, a 1.8% decrease from Q3 2025 and a 34.9% decrease from Q4 2024[12] - The provision for credit losses was $96,303 thousand for the year ended December 31, 2025, slightly higher than $96,212 thousand in 2024[14] Capital and Financing - The company raised $96.3 million in capital through a preferred stock offering in Q3 2025[4] - A pre-tax gain of $24.1 million was realized from the sale of Apiture, Inc., included in equity method investments income[4] Operational Efficiency - The efficiency ratio improved to 51.56% in Q4 2025, down from 58.68% in Q3 2025, indicating better cost management[15] - Pre-provision net revenue grew by 28.9%, driven by an 18.3% increase in revenue and an 11.7% rise in noninterest expense[4] - Noninterest expense for Q4 2025 was $89,153 thousand, compared to $83,516 thousand in Q3 2025, showing an increase of 6.5%[19] Future Outlook - Live Oak plans to continue focusing on small business banking and aims for further progress in 2026 and beyond[2]

Exhibit 99.1 https://files.repo SCHWAB REPORTS RECORD 4Q AND FULL YEAR 2025 RESULTS 4Q Core Net New Assets Total $163.9 Billion; Full-Year Organic Growth of 5.1% 4Q Net Revenues Up 19% Year-Over-Year to a Record $6.3 Billion Quarterly GAAP Earnings Per Share of $1.33, $1.39 Adjusted – Up 38% versus 4Q24 (1) WESTLAKE, Texas, January 21, 2026 – The Charles Schwab Corporation reported net income for the fourth quarter totaling $2.5 billion, or $1.33 earnings per share. Excluding $127 million of pre-tax transac ...