Forward-Looking Statements and Non-IFRS Alternative Performance Measures This presentation contains certain forward-looking statements and information relating to Ternium S.A. and its subsidiaries (collectively, "Ternium") that are based on the current beliefs of its management as well as assumptions made by and information currently available to Ternium. Such statements reflect the current views of Ternium with respect to future events and are subject to certain risks, uncertainties and assumptions. Many f ...

Core Insights - Palomar Holdings, Inc. reported a significant increase in net income, rising 60.6% to $56.2 million for Q4 2025 compared to $35 million in Q4 2024 [1] - The company achieved strong underwriting results, with gross written premiums (GWP) increasing by 31.8% to $492.6 million in Q4 2025, up from $373.7 million in Q4 2024 [3] - Net premiums written (NPW) rose by 46.3% to $247.6 million in Q4 2025, compared to $169.2 million in Q4 2024 [3] - Net premiums earned (NPE) increased 61.1% to $233.5 million in Q4 2025, compared to $144.9 million in Q4 2024 [3] Underwriting Performance - Underwriting income for Q4 2025 was $54.4 million, with a combined ratio of 76.8%, compared to $34.9 million and 75.9% for the same period in 2024 [4] - Losses and loss adjustment expenses for Q4 2025 totaled $70.9 million, including $72.9 million of attritional losses and $2.1 million of favorable development on catastrophe losses [4] - The loss ratio for the quarter was 30.4%, with an attritional loss ratio of 31.3% and a catastrophe loss ratio of -0.9%, compared to 25.7% in Q4 2024 [5] Investment Income - Palomar reported a net investment income increase of 41.3% to $16 million in Q4 2025, up from $11.3 million in Q4 2024, driven by higher yields on invested assets [6] Full-Year Results - For the full year 2025, GWP rose by 31.5% to $2 billion, compared to $1.5 billion in 2024 [7] - NPW increased by 49.5% to $964 million, compared to $644.8 million in 2024, while NPE rose by 57.2% to $802.6 million [7] - Underwriting income for the full year increased by 66.1% to $185.9 million compared to $111.9 million in 2024 [7] Annual Ratios - The total loss ratio for 2025 increased slightly to 28.5% from 26.4% in 2024, with the catastrophe loss ratio decreasing to -0.1% from 5.5% [8] - The FY 2025 combined ratio dipped to 76.9% compared to 78.1% in 2024 [8] - Net income for 2025 increased 67.6% to $197.1 million compared to $117.6 million in 2024 [8] Strategic Commentary - The CEO highlighted the strong fourth quarter results as a culmination of an exceptional 2025, with record adjusted net income and significant growth in gross written premiums [9] - The company emphasized its specialty product suite's capability to navigate market cycles and generate consistent returns, achieving an adjusted combined ratio of 73% and a 27% adjusted return on equity [10] - Notable accomplishments in 2025 included successful acquisitions and the addition of exceptional leaders, which are expected to sustain long-term profitable growth [11]

Core Insights - Cincinnati Financial Corporation reported a net income of $676 million in Q4 2025, up from $405 million in the previous year, with a combined ratio of 85.2% in its property and casualty (P&C) insurance segment [1][5] - For the full year 2025, net income reached $2.4 billion, a 4% increase from $2.3 billion in 2024, with earned premiums rising by 12% to nearly $10 billion [2] Financial Performance - Group-wide earned premiums increased by 10% year-on-year to $2.6 billion in Q4 2025, while investment income rose by 9% to $305 million, leading to total revenues of $3.1 billion, a 22% increase [2] - For the full year 2025, total revenues increased by 11% to $12.6 billion, with investment income growing by 14% to $1.2 billion [2] P&C Insurance Operations - In Q4 2025, earned premiums for the P&C insurance operations rose by 10% to $2.5 billion, with total revenues also increasing by 10% to $2.5 billion [3] - For the full year 2025, earned premiums increased by 13% to $9.7 billion, with total revenues matching this growth at $9.7 billion [3] Underwriting and Losses - Loss and loss expenses increased by 11% to $1.4 billion in Q4 2025 and by 17% to $6.3 billion for the full year [4] - Underwriting profit for Q4 2025 increased by 7% to $378 million, but decreased by 14% to $501 million for the full year [4] Combined Ratio - The P&C insurance combined ratio increased by 0.5 percentage points to 85.2% in Q4 2025 and by 1.5 percentage points to 94.9% for the full year [5] - The company achieved an underwriting profit for 14 consecutive years, with a full-year combined ratio of 94.9% within the long-term goal of 92% to 98% [6] Additional Insights - The current accident year combined ratio before catastrophe losses improved by 0.4 percentage points to 86.1% for 2025, despite the impact of $52 million in reinsurance reinstatement premiums related to California wildfires [7] - The life insurance subsidiary contributed positively, with a 16% increase in net income to $106 million [7]

CNA Financial Corporation Fourth Quarter 2025 Results February 09, 2026 Notices and Disclaimers Forward Looking Statements The statements made in the course of this presentation and/or contained in the presentation materials may include statements that relate to anticipated future events (forward-looking statements) rather than actual present conditions or historical events. These statements are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 and generally ...

This story was originally published on WardsAuto. To receive daily news and insights, subscribe to our free daily WardsAuto newsletter. Dive Brief: Toyota Motor Corp. posted a year-over-year net revenue increase of 9.6% ($255.6 billion) on higher sales volume for the nine-month period of FY2026 ending Dec. 31, the automaker reported in its earnings release Friday. However, Toyota’s YoY operating income decreased from $24 billion to $21.5 billion in the nine-month period, while its net income fell nearly ...

Financial Highlights under Japanese GAAP for 3rd Quarter of the Fiscal Year Ending March 31, 2026 February 4, 2026 Mitsubishi UFJ Financial Group Key Message | FX rate | End | Dec | End | Dec | | --- | --- | --- | --- | --- | | | 2024 | | 2025 | | | USD/JPY | 158.18 | | 156.56 | | 1,813.5 +171.0 (210.0) (10.0) 1,725.6 +137.0 1,748.9 業務純益 株関 与信費用 持的・その他 Breakdown of Changes in NOP Breakdown of Changes in Net Income 1,694.2 1,872.6 R&D +18.4 CWM +69.0 JCIB +2.7 AM/IS +15.8 GCIB +42.1 GM +164.9 GCB (26.7) Othe ...

DIXON, Calif.--(BUSINESS WIRE)--First Northern Community Bancorp (the "Company†, OTCQX: FNRN), holding company for First Northern Bank ("First Northern†or the "Bank†), today reported net income of $21.1 million, or $1.27 per diluted share, for the twelve months ended December 31, 2025, up 5.5% compared to net income of $20.0 million, or $1.19 per diluted share, for the twelve months ended December 31, 2024. Net income for the quarter ended December 31, 2025, was $6.0 million, or $0.36 per dilu. ...

Core Viewpoint - Bank First Corporation reported a strong financial performance for the fourth quarter and full year of 2025, with significant increases in net income and earnings per share, despite incurring merger-related expenses [1][2]. Financial Performance - Net income for Q4 2025 was $18.4 million, or $1.87 per share, up from $17.5 million, or $1.75 per share in Q4 2024 [1]. - For the full year 2025, net income reached $71.5 million, or $7.23 per share, compared to $65.6 million, or $6.50 per share in 2024 [1]. - Adjusted net income (non-GAAP) for Q4 2025 was $19.6 million, or $2.00 per share, compared to $17.4 million, or $1.74 per share in Q4 2024 [1]. - Annual adjusted net income (non-GAAP) for 2025 totaled $73.4 million, or $7.42 per share, compared to $65.0 million, or $6.45 per share in 2024 [1]. Operating Results - Net interest income (NII) for Q4 2025 was $40.2 million, an increase of $1.9 million from the previous quarter and $4.6 million from Q4 2024 [3]. - Net interest margin (NIM) improved to 4.01% in Q4 2025, up from 3.88% in the previous quarter and 3.61% in Q4 2024 [4]. Asset Quality - Nonperforming assets at December 31, 2025, were $9.0 million, down from $13.9 million in the previous quarter and $9.2 million in the prior-year fourth quarter [13]. Capital Position - Stockholders' equity was $643.8 million at December 31, 2025, an increase of $4.2 million from the end of 2024 [14]. - The book value per common share was $65.47 at December 31, 2025, compared to $63.89 at the end of 2024 [14]. Dividend Declaration - A quarterly cash dividend of $0.50 per common share was declared, representing an increase of 11.1% over the prior quarter and prior-year fourth quarter [15]. Balance Sheet - Total assets were $4.51 billion at December 31, 2025, reflecting an increase of $85.7 million during Q4 2025 [10]. - Total loans were $3.60 billion at December 31, 2025, with a contraction of $25.0 million during Q4 2025 [11]. - Total deposits were $3.70 billion at December 31, 2025, up $34.7 million from December 31, 2024 [12].

Core Insights - Northern Trust Corporation (NTRS) reported fourth-quarter 2025 adjusted earnings per share (EPS) of $2.69, exceeding the Zacks Consensus Estimate of $2.37, and up from $2.26 in the prior-year quarter [1][8] - The company's financial performance was bolstered by an increase in net interest income (NII), total assets under custody (AUC), and assets under management (AUM), although rising expenses were a concern [1][10] Financial Performance - For the fourth quarter, NTRS's total revenues (GAAP basis) reached $2.12 billion, marking an 8.2% year-over-year increase and surpassing the Zacks Consensus Estimate by 2.41% [3][8] - The annual total revenues for 2025 were $8.09 billion, a 2% decline year-over-year, but still beating the Zacks Consensus Estimate of $8.03 billion [3] - NII for the quarter was $641.6 million, reflecting a 14% increase year-over-year, with a net interest margin of 1.81%, up 10 basis points from the previous year [3][4] Asset Management - As of December 31, 2025, Northern Trust's total AUC increased by 4.7% year-over-year to $14.4 trillion, while total AUM rose by 9.3% year-over-year to $1.8 trillion [5] Expenses and Income - Trust, investment, and other servicing fees totaled $1.31 billion, up 7% year-over-year, while other non-interest income saw a slight increase to $174.1 million [4] - Non-interest expenses rose by 9% year-over-year to $1.49 billion in the reported quarter [4][8] Credit Quality - The total allowance for credit losses was $198.3 million, down 4% year-over-year, while total non-accrual assets increased to $76.7 million from $56 million in the prior year [6] Capital and Profitability - As of December 31, 2025, the Common Equity Tier 1 capital ratio was 12.6%, up from 12.4% in the prior-year quarter, and the total capital ratio was 16.1%, up from 15.1% [7] - The Tier 1 leverage ratio decreased to 7.8% from 8.1% in the prior year, while the return on average common equity was 15.4%, slightly up from 15.3% [7] Shareholder Returns - In the reported quarter, Northern Trust returned $521.6 million to shareholders through share repurchases and dividends [9]

Core Insights - Velan Inc. reported solid performance in Q3 fiscal 2026, with a backlog of $296.8 million and bookings rising nearly 32% year over year, driven by significant contracts in the nuclear sector [4][10][8] - The company anticipates that the proposed sale of the Velan family's majority share to Birch Hill Equity Partners will create a results-oriented environment to enhance business strategy and shareholder value [4][27] - Despite higher late-stage inventory impacting working capital, the company maintains a strong balance sheet with $86 million in liquidity and a net cash position of $20.2 million [5][25] Financial Results - Q3 sales were $71.7 million, a decrease of 2.4% from $73.4 million last year, with gross profit at $27.2 million, or 37.9% of sales [6][12] - Operating income improved to $5.9 million from a loss of $62.4 million a year ago, and net income was $3.0 million, or $0.14 per share, compared to a net loss of $47.8 million, or $2.22 per share, last year [6][16] - For the nine-month period, sales totaled $211.5 million, a slight decrease from $212.0 million, with net income of $19.2 million, or $0.89 per share, compared to a net loss of $51.2 million, or $2.37 per share, in the prior year [18][23] Backlog and Bookings - The backlog increased by 8.0% since the beginning of the fiscal year, with $296.8 million as of November 30, 2025, and 80.4% of this backlog is expected to be delivered within the next 12 months [8][9] - Bookings for Q3 were $77.9 million, up from $59.1 million a year ago, reflecting higher demand in North America and international operations [10][11] - For the first nine months, bookings totaled $221.3 million, down from $230.5 million in the same period last year, primarily due to lower bookings in North America and Germany [11] Operational Highlights - Gross profit margin remained steady at 37.9%, despite lower sales volume and tariff impacts, while administration costs decreased to $16.5 million [13][14] - Adjusted EBITDA for Q3 was $9.5 million, down from $14.3 million last year, mainly due to lower gross profit and increased other expenses [15] - The company incurred restructuring expenses of $1.3 million in Q3, significantly lower than the $74.5 million from the previous year, which included substantial asbestos-related costs [14][21] Future Outlook - The company expects to conclude fiscal 2026 with solid performance, supported by a strong backlog and ongoing projects, despite uncertainties related to tariffs [26] - The completion of the proposed transaction with Birch Hill is anticipated to enhance operational capabilities and shareholder value [27][28]