Market Psychology - The market is driven more by emotions than by math [4] - Common emotions experienced in the market include hope, optimism, belief, thrill, euphoria, fear, relief, nervousness, denial, panic, anger, and depression [5][6][7][8][9][12][13][14][15][16][17] - Emotional investing can lead to losses, turning potential gains into an "empty bank account and no more pizza nights" [1][17] Risk Management - Trying to "catch the top" is difficult and often leads to losses [18] - An exit plan should be established before emotions take over [18][19] - Consider a strategy like selling 40% on the way up and holding 60% for the long term [19] - Without an exit plan, the market may force a sale at the worst possible time [20] Investment Strategy - Taking profits on the way up is crucial [19][20] - Investors should stay calm and stick to their exit plan [20] - The biggest risk in the markets is not the price, but the investor's emotions [20]

Group 1 - The Federal Reserve has not made a decision regarding a policy rate reduction at the upcoming December meeting, indicating that market assumptions of a rate cut are premature [1][3] - There are strong differing views among committee members regarding the balance of risks between inflation and labor market conditions, highlighting the complexity of the current economic situation [2][4] - The recent data suggests a shift in risks, with higher downside risks to the labor market than previously anticipated, prompting a reevaluation of the policy stance towards a more neutral position [4][5] Group 2 - The committee is considering the need to balance its dual goals of controlling inflation and supporting employment, which may require adjustments to the policy rate depending on future data [5] - The approach to risk management is evolving, with the committee recognizing the need to adapt its strategy based on changing economic indicators [3][5]

Financial Data and Key Metrics Changes - The third quarter net income totaled $55 million, down from $64 million in the previous quarter, reflecting the impact of a one-off transaction in Q2 [10][6] - The return on equity (ROE) for the quarter was 14.9%, down from the previous quarter, primarily due to the issuance of Additional Tier 1 (AT1) capital and one-off transactions [10][6] - The regulatory capital adequacy ratio rose to 15.8%, and the Basel III Tier 1 ratio increased to 18.1%, both above internal targets and regulatory minimums [9] Business Line Data and Key Metrics Changes - The commercial portfolio reached $12.3 billion, up 1% quarter over quarter and 13% year over year, driven by growth in loans, contingencies, and investments [12] - The loan portfolio closed at $8.7 billion, an increase of 2% from the previous quarter and 8% year over year, indicating steady client demand [12] - Non-interest income totaled $15.4 million for the quarter, reflecting strong activity in letters of credit and syndication despite a sequential decline [20][21] Market Data and Key Metrics Changes - The company reported a 6% quarter-over-quarter increase in deposits, reaching a record $6.8 billion, and a 21% year-over-year increase [17] - The growth in deposits was primarily driven by corporate clients, which rose over 26% from June [17] - The investment portfolio totaled $1.1 billion, up 4% from the prior quarter and 18% year over year, maintaining a predominantly investment-grade composition [15] Company Strategy and Development Direction - The company aims to strengthen its capital base through the AT1 issuance to support a robust pipeline of high-value transactions [3] - The strategic plan launched in 2022 focuses on enhancing operating capabilities and developing new business lines to diversify revenue sources [29] - The company is positioned to capture opportunities in medium-term structured solutions and trade finance expertise amid regional economic variations [28] Management Comments on Operating Environment and Future Outlook - The management noted a more challenging environment with rate cuts and high regional liquidity but expressed confidence in the company's solid results [2] - The economic outlook for Latin America is stable, with the IMF projecting 2.4% growth for 2025, supported by stronger performance in several economies [28] - Management emphasized the importance of navigating uncertainty and capturing opportunities through structured solutions and trade finance [28] Other Important Information - The company successfully issued its first AT1 capital instrument in mid-September, which was oversubscribed and attracted a diverse range of investors [3] - The efficiency ratio closed at 25.8%, better than the full-year guidance of 27%, reflecting disciplined cost management [24] - The company has implemented a new trade finance platform expected to enhance transaction volumes and client experience [21] Q&A Session Summary Question: What is the new target for capital ratios after the AT1 issuance? - Management confirmed the target remains in the mid-teens, around 15%, with plans to deploy the additional capital over the next 12 to 18 months [34][35] Question: What is the visibility on the stage two credit quality? - Management indicated that the increase in stage two was driven by a single client, with no systemic issues, and confirmed that the client is current [36][37] Question: What are the growth opportunities for deploying AT1 capital? - The focus is on Central America and selective opportunities in Argentina, particularly in sectors with strong credit profiles [50][54] Question: How will operational deposits impact funding costs? - Management sees operational deposits as a low-hanging fruit for reducing funding costs and plans to enhance cash management capabilities [40][41] Question: What is the expected performance of net interest margin (NIM)? - The company maintains a NIM guidance of 230 basis points for the year, with sensitivity to interest rate cuts impacting NIM by about 12 to 13 basis points for a 100 basis point cut [59]

Core Insights - Marquette National Corporation reported a year-to-date net income of $10.3 million for the first nine months of 2025, a decrease from $14.2 million in the same period of 2024, resulting in earnings per share of $2.37 compared to $3.25 in 2024 [1][9] Financial Performance - Total assets as of September 30, 2025, were $2.25 billion, reflecting a 2% increase from $2.21 billion at the end of 2024 [2][7] - Total loans increased by $34 million to $1.44 billion, while total deposits rose by $36 million, or 2%, to $1.78 billion compared to the end of 2024 [2][7] - Net interest income for the first nine months of 2025 was $38.5 million, a 15% increase from $33.5 million in 2024 [9] - Realized securities gains increased significantly to $10 million, up 313% from $2.4 million in the previous year [9] - The provision for credit losses decreased by 70% to $675,000 from $2.25 million in 2024 [9] Equity and Book Value - Tangible book value per share increased by $3.79 during the first nine months of 2025, reaching $35.44, a 12% increase from $31.65 [3][8] - Total stockholders' equity rose by 10% to $190.8 million from $173.6 million at the end of 2024 [7][8] Other Financial Metrics - Cash dividends declared per share increased by 11% to $0.93 from $0.84 in 2024 [9] - Comprehensive income for the first nine months of 2025 was $20.8 million, down 6% from $22.2 million in 2024 [9]

Core Insights - MarketGauge was founded 25 years ago by former floor traders who became hedge fund managers, bringing over 100 years of combined experience in trading, technology, and education [1] - The company's mission is to provide strategic and actionable information to help investors and advisors achieve their financial goals through educational courses, proprietary trading tools, and quant-based models [1] - MarketGauge emphasizes identifying both major macro trends and emerging trends using proprietary tools and proven trading models, focusing on short-term tactics to maximize profits and minimize risk [1] Company Philosophy - The core philosophy of MarketGauge is to trade with a methodical, systematic, and repeatable approach, which they believe is essential for success [1] - MarketGauge's approach contrasts with the passive management and buy-and-hold strategies commonly promoted by many Wall Street analysts, which they consider dangerous [1] - All investing models at MarketGauge include track records with daily and weekly updates, ensuring transparency in performance [1] Market Presence - Since its inception, MarketGauge has provided market analytics to major financial institutions such as Barron's and Fidelity, as well as to thousands of individual investors and active traders [1] - The company's insights are featured in various financial platforms, including Benzinga, Stocks and Commodities, TalkMarkets, Investing Shortcuts, AAAII, and Traders Library [1] - CBS MarketWatch has recognized MarketGauge's Twitter feed as one of the top 50 sources for financial information [1] Team Expertise - Each expert at MarketGauge has a specific focus and domain within the company, with their unique skill sets interconnected through shared experience and a commitment to risk management [1] - All experts utilize the same indicators and tools, fostering a cohesive approach to trading and analysis [1]

Core Insights - The decision to invest in the ERShares Private-Public Crossover ETF (NASDAQ: XOVR) should focus on long-term value creation rather than immediate access to private stocks like SpaceX [1] Group 1: Investment Strategy - The article emphasizes a long-term investment perspective, suggesting that investors should prioritize value creation over short-term gains [1] - The analysis highlights the importance of rigorous risk management and macroeconomic trends in identifying high-growth investment opportunities [1] Group 2: Analyst Background - The analyst has over 20 years of experience in quantitative research, financial modeling, and risk management, with a focus on equity valuation and market trends [1] - Previous experience includes a role as Vice President at Barclays, leading teams in model validation and stress testing, indicating a strong foundation in both fundamental and technical analysis [1]

Core Insights - The article emphasizes the importance of conducting thorough due diligence before making any financial decisions, particularly in the context of investments and trading activities [1] Group 1 - The content includes general news and personal analysis intended for educational and research purposes [1] - It highlights that the information provided may not be accurate or in real-time, and prices may be sourced from market makers rather than exchanges [1] - The article warns that trading decisions should be made at the individual's own risk, and reliance on the information provided is discouraged [1] Group 2 - The website discusses complex financial instruments such as cryptocurrencies and contracts for difference (CFDs), which carry a high risk of losing money [1] - It encourages individuals to perform their own research and understand the risks involved before investing in any financial instruments [1] - The content does not constitute any recommendation or advice for taking specific actions, including investments [1]

Financial Earnings Results Third Quarter 2025 October 21, 2025 Forward Looking Statements This presentation contains forward-looking statements about Cathay General Bancorp and its subsidiaries (collectively referred to herein as the "Company," "we," "us," or "our") within the meaning of the applicable provisions of the Private Securities Litigation Reform Act of 1995. We intend such forward-looking statements to be covered by the safe harbor provision for forward-looking statements in these provisions. Sta ...

Core Insights - MarketGauge was founded 25 years ago by former floor traders who became hedge fund managers, bringing over 100 years of combined experience in trading, technology, and education [1] - The company's mission is to provide strategic and actionable information to help investors and advisors achieve their financial goals through educational courses, proprietary trading tools, and quant-based models [1] - MarketGauge emphasizes identifying both major macro trends and emerging trends using proprietary tools and indicators, employing short-term tactics to maximize profits and minimize risks [1] Company Philosophy - The core philosophy of MarketGauge is to trade with a methodical, systematic, and repeatable approach, which they believe is essential for success [1] - MarketGauge's approach contrasts with the passive management and buy-and-hold strategies commonly promoted by many Wall Street analysts, which they consider dangerous [1] - All investing models at MarketGauge include track records with daily and weekly updates, ensuring transparency in performance [1] Market Presence - Since its inception, MarketGauge has provided market analytics to major financial institutions such as Barron's and Fidelity, as well as to thousands of individual investors and active traders [1] - The company's insights are featured in various financial platforms, including Benzinga, Stocks and Commodities, TalkMarkets, Investing Shortcuts, AAAII, and Traders Library [1] - CBS MarketWatch has recognized MarketGauge's Twitter feed as one of the top 50 sources for financial information [1] Team Expertise - Each expert at MarketGauge has a specific focus and domain within the company, with their unique skill sets interconnected through shared experience and a commitment to risk management [1] - All experts utilize the same indicators and tools, fostering a cohesive approach to trading and analysis [1]

RT Breakout (@breakoutprop)Sundays are for preparation.1. Review high time frame candle closes2. Outline directional bias3. Map out key trading levels4. Identify possible setups5. Plan entry, SL, TP, risk6. Set alertsPreparation turns potential into performance. ...