=11 December 3, 2025 Cautionary Note Regarding Forward-Looking Statements, Disclaimers and Financial Measures This presentation contains forward-looking statements about nGind sofinanced and operating results, which hivalude statements regarding nCiro's future performance, cutock, the cosumptions underlying those statements, the benefits from the use of nCino's solutions, our strategies, and general business conditions: Forward-locking statements gen actions, events, realits, strategies and expectations and ...

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Exhibit 99.1 nCino Reports Third Quarter Fiscal Year 2026 Financial Results WILMINGTON, N.C., December 3, 2025 -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced financial results for the third quarter of fiscal year 2026, ended October 31, 2025. "I'm extremely proud of our team's strong execution in the third quarter, delivering results that exceeded expectations while advancing our AI leadership position," said Sean Desmond, CEO at nCino. " ...

Core Insights - nCino, Inc. reported strong financial results for Q3 of fiscal year 2026, with total revenues of $152.2 million, representing a 10% year-over-year increase [5][6] - The company emphasized its leadership in AI and the momentum across various customer segments and geographies, reinforcing confidence in its fiscal 2026 goals [2] Financial Highlights - Total revenues reached $152.2 million, up from $138.8 million in Q3 of fiscal 2025, marking a 10% increase [5][6] - Subscription revenues were $133.4 million, an 11% increase from $119.9 million in the same quarter last year [5][6] - GAAP operating margin improved to 8%, up over 800 basis points year-over-year, while non-GAAP operating margin reached 26%, up 600 basis points [5][6] - GAAP net income attributable to nCino was $6.5 million, compared to a loss of $5.3 million in Q3 of fiscal 2025 [6] - Non-GAAP net income attributable to nCino was $35.8 million, a 49% increase from $24.1 million in the same quarter last year [6] Recent Business Highlights - nCino signed a regional bank in Japan with over $80 billion in assets for mortgage lending [6] - The company demonstrated global applicability with its Integration Gateway through an expansion agreement with a $90 billion bank in the Czech Republic [6] - Two top-50 U.S. banks, each with over $50 billion in assets, expanded their commercial lending commitments by more than 30% and 60% respectively [6] - A leading home builder's lending division selected nCino Mortgage to enhance the mortgage lending experience for homebuyers [6] - nCino launched Digital Partners, introducing role-based AI agents trained on extensive financial services data [6] - The company completed its $100 million stock repurchase program, having repurchased approximately 4.0 million shares at an average price of $25.02 per share [6] Financial Outlook - nCino provided guidance for Q4 of fiscal year 2026, projecting total revenues between $146.75 million and $148.25 million, with subscription revenues between $130.75 million and $132.25 million [11] - For the full fiscal year 2026, total revenues are expected to be between $591.9 million and $593.4 million, with subscription revenues between $520.5 million and $522.0 million [11]

Core Insights - nCino, Inc. has appointed Andy Yasutake and Diego Dugatkin to its Board of Directors, enhancing the board's expertise in AI and product innovation [1][2] Group 1: Board Appointments - Andy Yasutake is recognized for his leadership in AI and platform innovation, currently serving as senior vice president at Edgevana, where he drives global AI capabilities [2][3] - Diego Dugatkin, chief product officer at Box, brings extensive experience in product management and development, with a focus on AI-powered product innovation [3] - These appointments are aimed at strengthening nCino's position as a leader in AI banking and enhancing its technological capabilities [2][4] Group 2: Leadership Transition - Jeffrey Horing, managing director at Insight Partners, is stepping down from nCino's Board after ten years of contributions [4] - Pierre Naudé will transition from Executive Chairman to a non-employee director and Chairman of the Board after his initial term ends on February 1, 2026 [4][5] Group 3: Company Overview - nCino is a leading provider of intelligent banking solutions, helping financial institutions digitize and improve business processes [6] - The company serves over 2,700 customers globally, including community banks and large financial entities, by integrating AI into its platform [6][7]

Core Viewpoint - nCino, Inc. is set to report its financial results for the third quarter of fiscal year 2026 on December 3, 2025, and will host a conference call to discuss these results [1][2]. Company Overview - nCino is a leading provider of intelligent banking solutions, aimed at helping financial institutions digitize and improve their business processes to enhance efficiency and customer experience [3]. - The company serves over 2,700 customers globally, including community banks, credit unions, independent mortgage banks, and major financial entities [3]. - nCino integrates artificial intelligence and actionable insights into its platform, assisting financial institutions in consolidating legacy systems, improving risk management, and enhancing customer satisfaction [3].

Core Insights - nCino, Inc. has announced that Eastern Bank is expanding its loan origination and operations platform by integrating nCino's Consumer Banking and Mortgage solutions with its existing Commercial Banking Solution, creating a unified lending ecosystem [1][2] Company Overview - nCino is a leading provider of intelligent banking solutions, helping financial institutions digitize and streamline business processes to enhance efficiency and customer experience [4] - The company serves over 2,700 customers globally, including community banks, credit unions, and large financial entities, by offering a platform that integrates AI and actionable insights [4] Eastern Bank Overview - Eastern Bank, founded in 1818, is the leading local bank in Greater Boston with approximately $25.5 billion in assets as of September 30, 2025 [5] - The bank provides a comprehensive range of banking and wealth management solutions, including its Cambridge Trust Wealth Management division, which manages $9.2 billion in assets [5] - Eastern Bank has a strong commitment to community support, having contributed over $240 million in charitable giving since 1994 [5] Strategic Initiatives - By connecting various platforms and customer data, Eastern Bank aims to improve customer convenience and reduce friction in the loan application process [2] - The project will also involve Alloy, a partner that enhances fraud and identity decision-making capabilities across the bank's lending products [2] - Zennify, a consulting partner specializing in data, AI, and customer experience, will assist in implementing the Consumer Banking and Mortgage solutions [2] Executive Insights - Eastern Bank's CIO, Donald Westermann, highlighted the positive impact of nCino's solutions on their commercial business, leading to faster processing and improved customer satisfaction, which justified the expansion into Consumer and Mortgage solutions [3] - nCino's Executive Vice President of Global Revenue, Paul Clarkson, noted that banks often seek to replicate the positive experiences gained from nCino's solutions across different areas of their operations [3]

Core Insights - nCino, Inc. has launched "Digital Partners," a new feature within its platform aimed at enhancing human-centric AI capabilities for financial institutions, focusing on domain-specific intelligence to meet the unique needs of banking operations [1][2]. Group 1: Digital Partners Overview - Digital Partners are designed to support various roles within financial institutions, from C-suite executives to relationship managers, by providing contextually relevant assistance and operating alongside staff to create a "dual workforce" [2][6]. - The Digital Partners utilize a multi-layer architecture that combines foundational tools, specialized sub-agents, and orchestrated workflows, enabling role-specific intelligence through natural conversation [3][5]. Group 2: Role-Specific Digital Partners - Five specific Digital Partners have been introduced: - **Executive Digital Partner**: Provides strategic intelligence for C-suite decision-making, including market insights and personalized data science expertise [6]. - **Analyst Digital Partner**: Accelerates risk assessment and complex financial analysis for underwriters and credit analysts, utilizing peer-benchmarked intelligence [6]. - **Service Digital Partner**: Enhances customer relationship management, helping relationship managers identify cross-sell opportunities [6]. - **Processor Digital Partner**: Eliminates workflow bottlenecks by coordinating documentation and validating compliance [6]. - **Client Digital Partner**: Offers AI-enhanced self-service digital banking experiences directly to customers [7]. Group 3: Strategic Vision and Future Development - The introduction of Digital Partners reflects the next phase of nCino's AI strategy, building on the previously established Banking Advisor as a unified conversational experience [8]. - nCino aims to continuously evolve its technology and capabilities, allowing financial institutions to redirect talent towards higher-value work as the tools become more robust over time [8][9].

Core Insights - Five stocks have been added to the Zacks Rank 1 (Strong Buy) List, indicating strong potential for investment Company Summaries - **nCino (NCNO)**: A provider of cloud-based software for financial institutions, with a 9.9% increase in the Zacks Consensus Estimate for current year earnings over the last 60 days [1] - **Vertiv (VRT)**: A leading global provider of critical digital infrastructure and services for data centers and communication networks, experiencing a 7.6% increase in the Zacks Consensus Estimate for current year earnings over the last 60 days [2] - **Bread Financial (BFH)**: A tech-forward financial services company offering personalized payment, lending, and saving solutions, with a 7.3% increase in the Zacks Consensus Estimate for current year earnings over the last 60 days [3] - **Medpace (MEDP)**: A global full-service clinical contract research organization providing clinical development services, seeing a 3.6% increase in the Zacks Consensus Estimate for current year earnings over the last 60 days [4] - **MasterCraft Boat (MCFT)**: A company that designs, manufactures, and markets recreational powerboats, with a 3.4% increase in the Zacks Consensus Estimate for current year earnings over the last 60 days [5]

Group 1: Industry Innovations and Trends - The mortgage industry is experiencing significant technological shifts, with AI playing a central role in transforming customer engagement and operational efficiency [7][6] - Companies like Beeline Loans have successfully transitioned to modern platforms like Optimal Blue, enhancing pricing control and operational efficiency [2] - The commercial lending market is booming, with $2.7 trillion in maturing loans over the next five years, creating opportunities for brokers to tap into this demand [6] Group 2: Non-QM and Market Dynamics - Non-QM lending is gaining traction, taking market share from traditional Agencies, with many lenders selling these loans to avoid spread risk [9][10] - The HELOC and second mortgage sectors are seeing lenders prioritize speed and ease of closing over competitive rates [11] - Adjustable-rate mortgages and jumbo loans are under scrutiny as capital markets seek optimal product offerings amid rising mortgage rates [12] Group 3: New Tools and Solutions - Procision AVM by First American Data & Analytics offers a modern automated valuation model, providing lenders with daily updates and nationwide coverage [4] - Gateless Smart Underwrite® utilizes AI to streamline the underwriting process, significantly reducing approval times and enhancing decision accuracy [6] - The FinLocker GPT Toolkit assists loan officers in utilizing new technology for marketing and client engagement, simplifying complex tools for better relationship management [13][16]