Retail and Business Customers[Alkami Technology, Inc. (Nasdaq: ALKT) ("Alkami"), a digital sales and service platform provider for financial institutions in the U.S., today...][More Releases From This Source]## Explore[Computer Software][Computer Software][Computer & Electronics][Banking & Financial Services] [News Releases in Similar Topics]---- -- MANTL Partners with MeridianLink to Offer Integrated Point-of-Sale (POS) Solution [Accessibility Statement] Skip NavigationWith the launch of the MANTL and Meri ...

Irenic Capital Management LP disclosed a new stake in Alkami Technology (NASDAQ:ALKT) in its February 17, 2026, SEC filing, adding 2,106,448 shares in a trade estimated at approximately $48.60 million based on quarterly average pricing. What happened According to an SEC filing dated February 17, 2026, Irenic Capital Management LP initiated a new position in Alkami Technology (NASDAQ:ALKT), acquiring 2,106,448 shares. The end-of-quarter position value is approximately $48.60 million. What else to know ...

Core Insights - The partnership between MANTL and Amplify Credit Union aims to modernize the onboarding and account opening experience for both business and consumer accounts, enhancing efficiency across digital and physical banking channels [1][4] Company Overview - MANTL is a leading provider of loan and deposit account opening technology, acquired by Alkami Technology in March 2025, and specializes in unified account origination technology [5] - Amplify Credit Union, founded in 1967, offers fee-free banking and award-winning lending services to over 50,000 members in Texas, focusing on improving financial lives [6][7] Partnership Details - The collaboration will utilize MANTL's omnichannel deposit origination technology to streamline the account opening process, allowing businesses to open accounts online in under 10 minutes and retail members in under 5 minutes [2][5] - Amplify will automate over 85% of application decisions, including KYC, AML, and BSA checks, to reduce manual processes and enhance growth [3] Strategic Goals - The initial focus will be on launching Business Deposit Origination, followed by Retail Deposit Origination, to create a seamless onboarding journey for members and employees [2][3] - The partnership is expected to provide Amplify with insights from over 1,350 data points, enabling strategic decision-making to drive growth and improve member experience [3]

Core Viewpoint - Investors have largely focused on artificial intelligence (AI) in 2025, leading to the neglect of fintech companies like Alkami Technology [1] Company Overview - Alkami Technology operates a cloud-based digital banking platform, primarily serving U.S. community banks and credit unions that lack the resources to develop their own systems [3] - The platform integrates onboarding, digital banking, data, and marketing into a unified solution for clients serving millions of customers [3] Business Model and Financial Performance - Alkami's revenue model is subscription-based, with approximately 96% of revenue derived from recurring sources, mainly from its software-as-a-service (SaaS) model [4] - Annual recurring revenue (ARR) reached $449 million in Q3 2025, showing significant growth from the previous year, providing stability and visibility into future cash flows [5] - Registered users of Alkami's platform increased to 20.9 million, indicating broadening and deepening adoption, which is crucial as pricing is often tied to user growth [6] - Revenue growth has been notable, with Q2 2025 revenue increasing by about 36% year over year and Q3 growth at 31.5% [6] Stock Performance and Market Reaction - Alkami's stock price fell to $21.80, approximately 50% below its highs from late 2024 and early 2025, primarily due to missed earnings estimates in Q2 2025 and cautious management guidance [2][7] - Despite strong revenue growth, the earnings per share did not meet Wall Street expectations, raising concerns about potential slowing growth [7][8]

Core Insights - Citizens State Bank is partnering with MANTL to enhance its retail and business deposit account opening processes, aiming for a unified platform to improve customer experience and operational efficiency [1][2][4] Company Overview - Citizens State Bank is a family-owned community bank in Indiana, established in 1873, focusing on combining traditional banking values with modern technology to provide financial solutions [6][7] Partnership Details - The partnership with MANTL will allow Citizens State Bank to automate over 85% of application decisions, including KYC, AML, and BSA checks, thereby reducing manual processes and accelerating growth [3] - MANTL's technology will enable a consistent and streamlined account opening experience across all channels, enhancing efficiency for staff and simplicity for customers [2][4] Technology and Innovation - MANTL's solutions allow consumers to open new deposit accounts in under five minutes and businesses in under ten minutes, significantly improving the account opening experience [5] - The integration of MANTL's platform with Alkami's existing services will further enhance the bank's digital capabilities [4]

Core Insights - Alkami Technology, Inc. (NASDAQ:ALKT) is viewed as an undervalued stock with potential for significant growth, particularly as an attractive target for private equity due to its organic growth and customer retention [2][3] Financial Performance - For Q4 2025, Alkami expects revenue between $119.6 million and $121.1 million, with adjusted EBITDA projected between $16.1 million and $17.1 million [3] - For the full year 2025, revenue guidance is set at $442.5 million to $444 million, with adjusted EBITDA guidance of $56 million to $57 million [3] Investment Perspective - Activist investor Jana Partners has taken a stake in Alkami, advocating for the company to consider a sale due to its current undervaluation and significant share price drop of nearly 40% this year [2] - Alkami's strong organic top-line growth and high customer retention rate make it a compelling investment opportunity [2]

Core Insights - MANTL has formed a strategic partnership with Method Financial to integrate real-time liability data into its Loan Origination platform, enhancing the refinancing and debt consolidation experience for financial institutions [1][4] - The integration aims to streamline decision-making processes, improve prequalification accuracy, and provide a more efficient experience across both physical and digital banking channels [1][3] Company Overview - MANTL, part of Alkami, specializes in loan and deposit account opening technology, enabling financial institutions to manage both sides of the balance sheet with an integrated digital lending solution [2][5] - The MANTL Loan Origination platform modernizes lending by automating processes such as Know Your Customer (KYC), underwriting, and booking, addressing challenges related to outdated data and manual entry [2][5] Integration Benefits - The partnership with Method will consolidate real-time liability and payoff data into a seamless application workflow, eliminating the need for manual payoff letters and ensuring accurate, up-to-date payoff quotes [3][4] - This integration will enhance the loan refinancing experience by allowing banks and credit unions to make instant, accurate decisions, thereby improving operational efficiency and borrower satisfaction [4][6] Method Financial Overview - Method Financial provides consumer permissioned financial connectivity, offering real-time access to liability data that helps lenders improve underwriting accuracy and streamline customer acquisition [6] - The company supports over 60 fintechs and lenders, enhancing their revenue potential through improved financial connectivity without requiring user credentials [6]

Core Insights - The article discusses the current state of the tech market, particularly focusing on AI-related stocks and the emergence of overlooked tech stocks that may present investment opportunities amidst market volatility and valuation concerns [2][5]. Market Overview - U.S. AI-related stocks experienced a decline, with SoftBank Group losing nearly $50 billion in market capitalization [2]. - Goldman Sachs CEO anticipates a 10-20% market drawdown within the next two years, while the IMF and Bank of England foresee an AI bubble emerging soon [2]. - AI-linked ETFs have shown significant volatility, with performance spreads of 60% among nearly 400 thematic ETFs in 2025 [3]. Company Performance - Bitdeer Technologies Group (NASDAQ:BTDR) reported a 173.6% year-over-year revenue increase to $169.7 million in Q3 2025, driven by self-mining operations [12]. - Alkami Technology, Inc. (NASDAQ:ALKT) achieved a 31.5% year-over-year revenue growth to $113 million in Q3 2025, with annual recurring revenue surging 31% to $449 million [16][17]. - Allegro MicroSystems, Inc. (NASDAQ:ALGM) reported a 14% year-over-year sales growth to $214 million, driven by demand in automotive and data center sectors [22]. Investment Opportunities - The article emphasizes the potential of overlooked tech stocks that combine innovation with operational prudence, suggesting they may offer sustainable growth avenues [5]. - Bitdeer Technologies Group has a projected upside potential of 127.16% and is focusing on AI cloud infrastructure and Bitcoin mining solutions [10][14]. - Alkami Technology has an upside potential of 60.32% and is expanding its client base significantly [15][19]. - Allegro MicroSystems has an upside potential of 44.98% and is benefiting from robust automotive and data center cycles [20][21]. Methodology for Stock Selection - The selection of overlooked tech stocks involved scanning financial media and online screeners for companies with a market capitalization over $2 billion and an upside potential of at least 10% as of November 12, 2025 [7]. - The analysis also considered hedge fund ownership, focusing on stocks with relatively lower hedge fund holdings compared to industry peers [7][8].

Core Insights - The information technology sector has several oversold stocks, presenting potential buying opportunities for undervalued companies [1][2] Group 1: Oversold Stocks - Forward Industries Inc (NASDAQ:FORD) has an RSI of 28.4, with a stock price decline of approximately 58% over the past month, reaching a 52-week low of $3.32 [7] - Alkami Technology Inc (NASDAQ:ALKT) has an RSI of 21.7, with a stock price drop of around 21% in the last month and a 52-week low of $18.84 [7] - Alarm.com Holdings Inc (NASDAQ:ALRM) has an RSI of 28.7, with a stock price decrease of about 9% over the past month, hitting a 52-week low of $47.54 [7]

Core Insights - The information technology sector has several oversold stocks, presenting potential buying opportunities for undervalued companies [1][2] Group 1: Oversold Stocks - Forward Industries Inc (NASDAQ:FORD) has an RSI of 28.4, with a stock price decline of approximately 58% over the past month, reaching a 52-week low of $3.32 [7] - Alkami Technology Inc (NASDAQ:ALKT) has an RSI of 21.7, with a stock price drop of around 21% in the last month, hitting a 52-week low of $18.84 [7] - Alarm.com Holdings Inc (NASDAQ:ALRM) has an RSI of 28.7, with a stock price decrease of about 9% over the past month, reaching a 52-week low of $47.54 [7] Group 2: Recent Company Announcements - Forward Industries announced a $1 billion share repurchase program alongside a resale prospectus supplement [7] - Alkami Technology reported worse-than-expected third-quarter sales and lowered its FY25 guidance, despite highlighting strong financial performance and new client acquisitions [7] - Alarm.com Holdings is set to report its third-quarter financial results on November 6 [7] Group 3: Stock Performance - Forward Industries' shares rose by 2.4% to close at $10.69 [7] - Alkami Technology's shares fell by 2.2% to close at $19.09 [7] - Alarm.com's shares decreased by 1.7% to close at $47.69 [7]