Company Profile & Strategy - Colony Bank had $31 billion in assets as of June 30, 2025[10] - The company aims to achieve a return on assets target of 100% in the short term[15] - The company expects to return to an 8-12% organic growth run rate by the end of 2025[16] - The company is proactively seeking M&A opportunities, noting 319 banks under $600 million and 87 banks between $600 million and $12 billion[19] Financial Performance & Portfolio - The Small Business Specialty Lending (SBSL) group's loan portfolio breakdown shows $812 million with 483% in Commercial RE, 11% in Residential RE, 376% in Commercial, financial & agriculture, and 3% in Construction[24] - The current indicated annual dividend rate is $046 per share, equating to a yield of 26%[30] - Total liquidity sources as of June 30, 2025, were $12669 million, including $747 million in FRB Reserves and $3271 million in unencumbered securities[34] - As of June 30, 2025, commercial/business accounts represent 135% of accounts and 445% of total deposits balance, while consumer accounts represent 865% of accounts and 555% of total deposits balance[47] Loan Portfolio & Investment Securities - As of June 30, 2025, the loan portfolio totaled $19936 million, with 829% in Real Estate, 64% in Consumer and Other, 98% in Commercial, and 09% in Agriculture[56] - Investment securities portfolio composition as of June 30, 2025, includes 40% in US Agency MBS/CMO ($336962 thousand) and 31% in Municipal securities ($256256 thousand)[72]

Core Insights - Honeywell reported strong second-quarter results, with sales growth of 8% year-over-year and organic sales growth of 5%, exceeding guidance [2][3] - The company raised its full-year organic growth and adjusted earnings per share guidance, reflecting confidence in its performance and strategic initiatives [1][3] Financial Performance - Second-quarter sales reached $10.4 billion, with operating income increasing by 7% to $2.1 billion and segment profit rising 8% to $2.4 billion [2][9] - Earnings per share for the quarter was $2.45, a 4% increase year-over-year, while adjusted earnings per share rose 10% to $2.75 [2][9] - Operating cash flow was $1.3 billion, down 4% year-over-year, and free cash flow was $1.0 billion, down 9% year-over-year [2][9] Segment Performance - Aerospace Technologies sales increased 6% organically, driven by a 13% growth in defense and space [7] - Building Automation saw an 8% organic sales increase, with segment margin expanding 90 basis points to 26.2% [10] - Energy and Sustainability Solutions reported a 6% organic sales growth, with UOP growing 16% [11] Strategic Initiatives - Honeywell is pursuing a separation of its Automation and Aerospace businesses, aiming to create three publicly-listed industry leaders by the second half of 2026 [4][5] - The company has been actively optimizing its portfolio, including the acquisition of Johnson Matthey's Catalyst Technologies for £1.8 billion and the acquisition of Sundyne for $2.2 billion [5][9] - A comprehensive portfolio review has concluded, leading to a strategic evaluation of alternatives for its Productivity Solutions and Services and Warehouse and Workflow Solutions businesses [5][9] Updated Guidance - Full-year sales are now expected to be between $40.8 billion and $41.3 billion, with organic sales growth projected at 4% to 5% [3][13] - Adjusted earnings per share guidance has been raised to a range of $10.45 to $10.65, reflecting a 20-cent increase at the midpoint from prior guidance [3][13]

Our organic revenue decline is 3.2% and our EBITA margin is 13.5%. The major cause to our EBITA margin drop versus last year is lower volume in our industry and semicon segment. Thanks to the reduction of capital expenditure and the great work of our teams to drive inventory reduction, we improved our free cash flow to EUR 56 million", said Stéphane Simonetta. Utrecht, 24 July 2025 highlights (before exceptionals) CEO statement "Our performance for the first half of the year has been impacted by the continu ...

Financial Performance - Earnings per share increased to $0.81, a 25% increase QoQ and a 119% increase YoY[11] - Net interest margin increased to 2.50%, up from 2.41% in Q1 2025 and 1.98% in Q2 2024[11] - Book value per share increased to $42.23, a 9% annualized increase QoQ and an 8% increase YoY[11] - Total revenue reached a historically high level, driven by solid growth and pricing discipline[13, 14] Balance Sheet & Asset Quality - Total assets reached $4.3 billion[4] - Total loans amounted to $3.7 billion, with 7% annualized growth from Q1 2025[4, 22] - Total deposits reached $3.6 billion, including core deposits of $2.9 billion with 7% annualized growth from Q1 2025[4, 22] - Nonperforming assets (NPAs) stood at 0.27% of total assets[4, 27] Strategic Focus - The company operates 12 banking offices in 8 high-growth Southeast metro markets[9] - The company's Tier 1 RBC is 11.11%[9] - The company's office portfolio has a total credit exposure of $237 million, representing 5.4% of total loans[33]

Financial Data and Key Metrics Changes - In Q2 2025, revenue increased by 15.1% compared to the same quarter last year, adjusted EPS rose by 22.7%, and tangible book value per share grew by 10.9% year-over-year [8][9][11] - The company has achieved double-digit compound annual growth rates (CAGRs) over the last decade in revenue, EPS, and tangible book value per share, significantly outperforming peers [9][10] Business Line Data and Key Metrics Changes - End-of-period loans increased by 10.7% on a linked quarter annualized basis, driven by new markets and relationship managers [19] - Deposit growth was recorded at 4.7% linked quarter annualized, with an estimated total deposit growth rate maintained at 7% to 10% for 2025 [21][22] - Net interest margin (NIM) finished up two basis points at 3.23%, with expectations for a flat to slightly up NIM in the upcoming quarters [23] Market Data and Key Metrics Changes - Core deposit growth was reported at 13%, significantly higher than the peer median, indicating strong market performance despite a challenging economic environment [11] - The company is focusing on deepening its presence in existing markets rather than expanding into new geographies, with potential opportunities identified in Florida and Texas [43][44] Company Strategy and Development Direction - The company employs a market share takeaway strategy, targeting the largest market share leaders in its footprint to capitalize on their vulnerabilities [12] - The hiring strategy focuses on experienced revenue producers, with an average of 18 years of experience, which is expected to yield approximately $19 billion in organic asset growth through 2029 [14][15] - The company aims to maintain organic growth as its primary strategy, with limited appetite for mergers and acquisitions due to the successful hiring model [39][40] Management's Comments on Operating Environment and Future Outlook - Management expressed cautious optimism regarding the economic environment, noting that while clients are currently cautious, there is underlying optimism for future growth [51][52] - The company anticipates a strong year in 2025, supported by investments in new markets and successful hiring practices [30][28] Other Important Information - The company has adjusted its net interest income growth outlook to a range of 12% to 13% for 2025, reflecting a positive outlook despite potential rate cuts [24] - The company is increasing its guidance for fee growth from 8%-10% to 12%-15% for the year, driven by strong performance in banking fees and wealth management [28] Q&A Session Summary Question: Clarification on the expected asset growth from new hires - Management confirmed that the cohort of hires from 2020 to 2024 is expected to yield approximately $19 billion in organic asset growth, focusing on relationship managers [35][36] Question: Appetite for M&A given the organic growth model - Management reiterated a strong preference for organic growth over M&A, citing the ability to produce outsized growth through hiring rather than taking on integration risks [39][40] Question: Customer sentiment and appetite for growth - Management indicated that existing customers are currently cautious but optimistic about future opportunities, with a focus on maintaining credit quality [50][52] Question: Update on the BHG business and its contribution to earnings - Management noted that BHG's earnings contribution has increased, with expectations for continued strong performance driven by better credit quality and origination growth [62][63] Question: Future deposit costs and beta expectations - Management expects to maintain current deposit costs and beta levels, with a focus on optimizing margins in response to potential rate cuts [107][108]

Core Viewpoint - Castellum, Inc. has made significant progress in its strategic transition from a start-up phase to a focus on organic growth, enhancing its capabilities and competitive position in the cybersecurity and defense sectors [2][4][8]. Group 1: Company Progress and Strategy - Since July 1, 2024, Castellum has transitioned from a start-up phase to a Phase 2 strategy focused on organic growth and strengthening its foundational platform [2][3]. - The company has integrated its operations across all business functions, emphasizing business development and enhancing its opportunity pipeline [3][4]. - Castellum has raised over $16 million through public offerings and warrant exercises, reducing long-term debt to less than $5 million [5]. Group 2: Achievements and Capabilities - Castellum won its largest prime contract in history, valued at $103.3 million, for Special Missions support of the Naval Air Systems Command [5]. - The company has established a new subsidiary focused on advanced technology products, complementing its tech-enabled services [5][8]. - Castellum has received consistent "best in industry" contractor performance assessment reports from government customers, indicating high-quality service [5]. Group 3: Future Outlook - The company aims to enhance shareholder value and strengthen national defense through strategic acquisitions and contract wins [9]. - Castellum is committed to increasing the volume and quality of proposals, likening its strategy to taking more swings at the right pitches in baseball [5]. - The leadership team has been restructured to include greater industry and technology experience, positioning the company for future growth [5][6].

Diversified Resilient Dynamic This Presentation does not constitute or form part of, and should not be construed as, an offer or invitation to subscribe for, underwrite or otherwise acquire, any securities of the Company or any of its affiliates nor should it or any part of it form the basis of, or be relied on in connection with, any contract to purchase or subscribe for any securities of the Company or in connection with any other contract or commitment whatsoever. This presentation does not constitute a ...

Financial Performance & Strategy - Stanley Black & Decker's (SWK) 2023 revenue was $15.8 billion[7] - The company is targeting ~$2 billion in pre-tax run-rate cost savings by the end of 2025[12, 14] - SWK is aiming for organic revenue growth of 2-3x the market rate[12] - The company is targeting an adjusted gross margin of 35%+ by 2025[12] - SWK expects free cash flow conversion to be 100%+[12] Segment Breakdown - Tools & Outdoor segment accounted for $13.4 billion of revenue in 2023[7] - Industrial segment revenue was $2.4 billion in 2023[7] - Within Tools & Outdoor, Power Tools Group contributed 48%, Hand Tools, Accessories & Storage 30%, and Outdoor Power Equipment 22% of the revenue[7] Geographic Distribution - 62% of the company's revenues are generated in the U S [10] - Europe accounts for 16%, Emerging Markets 12%, and Rest of World (ROW) 10% of the revenues[10] 2024 Guidance - The company anticipates organic revenue to be approximately (0 5%) year-over-year +/- 130 bps in 2024[28] - Adjusted EPS for 2024 is projected to be $3 70-$4 50, and free cash flow is expected to be $650 million-$850 million[28]

Fiscal Year 2025 Performance - General Mills' organic net sales decreased by 2%[10], adjusted operating profit decreased by 7%[10], and adjusted diluted EPS decreased by 7%[10] in constant currency - Organic volume was flat compared to the previous year, a 3-point improvement from fiscal year 2024[11] Q4 2025 Results - Net sales were $4.556 billion, a decrease of 3%[67] - Adjusted operating profit was $622 million, a decrease of 22%[67] in constant currency - Adjusted diluted EPS was $0.74, a decrease of 27%[67] in constant currency Segment Performance - North America Retail organic net sales decreased by 7%[71] for Q4 and 3%[71] for the full year, with segment operating profit down 29%[71] and 11%[71] respectively - North America Pet organic net sales increased by 3%[75] for Q4 and were flat for the full year[75], with segment operating profit down 3%[75] and up 3%[75] respectively - North America Foodservice organic net sales decreased by 1%[80] for Q4 and increased by 2%[80] for the full year, with segment operating profit up 5%[80] and 13%[80] respectively - International organic net sales increased by 9%[85] for Q4 and were flat for the full year[85], with segment operating profit up 42%[85] and down 33%[85] respectively Key Priorities and Initiatives - The company aims to restore volume-driven organic growth in fiscal year 2026, supported by increased investment[8, 102] - General Mills is focused on delivering remarkable experiences across its portfolio to improve competitiveness[12] - The company plans to drive efficiencies through Holistic Margin Management (HMM) cost savings, targeting approximately 5% of COGS in fiscal year 2026[61] - A global transformation initiative is being launched to streamline processes and generate $100 million in cost savings for reinvestment[63] Cash Flow and Capital Allocation - The company returned $2.5 billion to shareholders through dividends and net share repurchases[29] - Free cash flow conversion was 97%, exceeding the long-term target of 95%+[29] Fiscal Year 2026 Outlook - Organic net sales growth is projected to be between -1% and +1%[101] - Adjusted operating profit growth is expected to be between -15% and -10%[101] in constant currency - Adjusted diluted EPS growth is also projected to be between -15% and -10%[101] in constant currency

NASDAQ: BWMN INFRASTRUCTURE ENGINEERING FOR THE BUILT ENVIRONMENT TRANSPORTATION POWER & UTILITIES ENERGY BUILDINGS & STRUCTURES NATURAL RESOURCES Fireside Chat | Bank of America | December 10, 2024 Bruce Labovitz Chief Financial Officer Safe Harbor Statement Please note that many of the comments made today are considered forward-looking statements under federal securities laws. As described in our filings with the SEC, these statements are subject to numerous risks and uncertainties that could cause future ...