Core Insights - First Western Financial reported improved profitability in Q4 2025, driven by loan and deposit growth, net interest margin expansion, and disciplined expense management [5][8] Loan and Deposit Growth - Loans held for investment increased by $59 million from the previous quarter, with new loan production totaling $146 million at an average rate of 6.36% [1][7] - Total deposits rose by $102 million, attributed to new deposit relationships, despite seasonal outflows [9] Financial Performance - The company posted a net income of $3.3 million, or $0.34 per diluted share, which was higher than the prior quarter [4][8] - Gross revenue increased by 1.5% from the prior quarter and 12.2% year-over-year, primarily due to higher net interest income [10] Net Interest Margin - Net interest margin expanded to 2.71%, driven by lower deposit costs and the opportunity to reprice approximately $250 million of fixed-rate loans maturing next year [7][11] - Net interest income rose by 5.6% sequentially and 21.7% year-over-year, attributed to a higher net interest margin [11] Asset Quality and Expenses - Asset quality trends remained stable, with decreases in non-accrual loans and non-performing assets [17] - Non-interest expense increased by $1.2 million due to a $1.4 million write-down on an OREO property, but excluding this, expenses decreased [16] Future Outlook - Management expects continued balance sheet growth in 2026 to be similar to 2025 levels, with positive trends in net interest margin and fee income [18] - The company aims to keep quarterly expenses below $20 million while remaining open to investment opportunities [19]

Core Viewpoint - QCR Holdings reported quarterly earnings of $1.73 per share, exceeding the Zacks Consensus Estimate of $1.63 per share, with a year-over-year comparison showing no change in earnings [1][2] Financial Performance - The company posted revenues of $84.2 million for the quarter ended June 2025, which was a miss against the Zacks Consensus Estimate by 0.54%, and a decrease from $87.05 million in the same quarter last year [2] - Over the last four quarters, QCR Holdings has surpassed consensus EPS estimates four times and topped consensus revenue estimates two times [2] Stock Performance - QCR Holdings shares have declined approximately 6.6% since the beginning of the year, contrasting with the S&P 500's gain of 7.3% [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating expectations of underperformance in the near future [6] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $1.67 on revenues of $88.25 million, while the estimate for the current fiscal year is $6.63 on revenues of $343.55 million [7] - The trend of estimate revisions for QCR Holdings was unfavorable prior to the earnings release, which may impact future stock performance [6] Industry Context - The Banks - Midwest industry, to which QCR Holdings belongs, is currently ranked in the top 30% of over 250 Zacks industries, suggesting a favorable industry outlook [8]

Group 1: Earnings Performance - Farmers National Banc (FMNB) reported quarterly earnings of $0.39 per share, exceeding the Zacks Consensus Estimate of $0.34 per share, and showing an increase from $0.34 per share a year ago, representing an earnings surprise of 14.71% [1] - The company posted revenues of $44.68 million for the quarter ended March 2025, which was 0.39% below the Zacks Consensus Estimate, compared to $40.04 million in revenues from the same quarter last year [2] Group 2: Stock Performance and Outlook - Farmers National shares have declined approximately 14.8% since the beginning of the year, while the S&P 500 has decreased by 8.3% [3] - The current consensus EPS estimate for the upcoming quarter is $0.35 on revenues of $45.2 million, and for the current fiscal year, it is $1.43 on revenues of $182.5 million [7] Group 3: Industry Context - The Banks - Midwest industry, to which Farmers National belongs, is currently ranked in the top 12% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8]

DENVER, April 04, 2025 (GLOBE NEWSWIRE) -- First Western Financial, Inc. (NASDAQ: MYFW), a financial services holding company headquartered in Denver, Colorado (“First Western”), announced today that it will release financial results for its first quarter ended March 31, 2025 after the markets close on Thursday, April 24, 2025. Management will hold a conference call at 10:00 a.m. Mountain Time/12:00 p.m. Eastern Time on Friday, April 25, 2025, to discuss First Western’s financial results. Analysts and inves ...