11/ Higher³Brother Lyskey (@0xLyskey):Starknet is gradually becoming a great place for builders to generate revenue.We’re now the 5th largest chain (Ethereum included) in the Ethereum ecosystem by daily revenue generated for apps.And we’re the fastest-growing one in this ranking. Godspeed. https://t.co/6Ifm488WC2 ...

Financial Data and Key Metrics Changes - The company reported net income available to common shareholders of $20.1 million, or $0.99 per diluted share for Q3 2025, reflecting strong financial results [4] - Return on average assets (ROAA) and return on average equity (ROAE) improved to 132 basis points and 13.31% respectively, both up notably from previous periods [5] - Full-year 2025 guidance for ROAA was revised to exceed 115 basis points, up from 110 basis points, and ROAE to greater than 12%, up from 11.25% [5] Business Line Data and Key Metrics Changes - Loan growth was reported at 1.2%, driven by commercial lending, while total deposits increased by 3.9% [4] - Total commercial loans reached approximately $3 billion, reflecting a 1.6% increase from the previous quarter and an 8.3% increase year-over-year [6] - Consumer indirect loan balances increased by 0.6% from the previous quarter but were down 4.1% year-over-year [8] Market Data and Key Metrics Changes - The company experienced strong commercial growth in upstate New York, particularly in the Syracuse region due to Micron Technologies' investment [8] - Residential lending showed modest growth, with mortgage and home equity applications up 12% and 11% year-over-year respectively [9] Company Strategy and Development Direction - The company aims for profitable organic growth and anticipates raising profitability targets for 2026 [21] - A focus on maintaining a strong balance sheet and managing funding costs is evident, with expectations for incremental margin improvement in 2026 [15][20] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the opportunities ahead, citing strong performance and a healthy pipeline for future growth [21] - The company is preparing for potential rate cuts and expects to manage margins effectively in 2026 [24] Other Important Information - Non-interest income was reported at $12.1 million, up 13.6% from the previous quarter, driven by various revenue streams [16] - The efficiency ratio for the year-to-date was about 58%, indicating strong revenue growth relative to expenses [19] Q&A Session Summary Question: Outlook on margin and potential rate cuts - Management indicated that while margins may see a modest decline in Q4, they expect a recovery in 2026 as new loan production and cost management take effect [24][25] Question: Thoughts on share buyback activity - Management expressed satisfaction with the board's approval of the buyback, viewing it as a means to support share value [26] Question: Loan growth expectations for 2026 - Management conveyed optimism about achieving mid-single-digit growth rates in loans as they build their financial plan for 2026 [27]

Platform Recommendation - Substack is highlighted as a potentially valuable platform for small business owners to consider investing time and resources into [1] Business Application - The platform could drive revenue to small businesses [1]

Industry Trend - Colleges and universities are exploring retirement communities as a new revenue source [1] - Retirement communities are being established on or near college campuses [1] Business Model - The report investigates the effectiveness of this setup [1]

Government Strategy & Revenue Generation - The Trump administration is reportedly targeting deals in pharma, AI, energy, and mining sectors, potentially involving the government taking equity stakes in American companies [1] - The administration aims to generate revenue for the United States and taxpayers through these deals, framing it as deficit reduction [5][6] - The government intends to leverage its influence over companies, such as those requiring export licenses, government loans, or access to natural resources, to negotiate favorable deals [6] Deal Structure & Implications - The administration took a 5% stake in Lithium Americas and a stake in the mine they're working on [3] - The administration's approach can be viewed as a form of taxes and regulation, despite its lower corporate tax and deregulatory mission [9] - The White House indicates that more deals are in negotiation and announcements are expected in the coming days and weeks [2]

Overview of Axiom's Business Model - Axiom is monetizing flow at every step, capturing the entire loop of connect, track, trade, and farm, unlike DeFi apps that monetize a single action [1][2] - Axiom functions more like a trading OS than a DEX, combining spot, perps, and yield under one roof, routing liquidity instead of owning it [4][5] - Axiom's biggest vulnerability is its reliance on trading volume; if traders slow down, revenue collapses [6] Financial Performance - Axiom is on a $600 million annual run-rate, regularly pulling $1-3 million per day in fees, all of it company revenue [2] - Axiom's revenue is up 560% quarter over quarter [3] - Axiom is the most capital-light revenue engine in DeFi, with a $0 TVL model, meaning its economics don't depend on asset custody or mercenary liquidity [4] Competitive Positioning - Axiom sits in a unique spot on the DeFi map as part aggregator, part execution engine, part rewards platform [3] - Axiom's competitive edge lies in capturing flow rather than winning liquidity wars [5][6] - Axiom relies on Solana for spot liquidity, Hyperliquid for perps, and MarginFi for yield, making it vulnerable to disruptions in these upstream dependencies [7] Potential Opportunities - Axiom has a points + rakeback system that rewards trading, referrals, and quests, potentially leading to a revenue-backed airdrop [8] - Axiom's biggest moat may be being the default interface where traders start their day, owning the flow in DeFi [9] Risks and Challenges - Other trading apps and perps venues can fight aggressively for order flow, creating competitive pressure [10] - Rewards programs may attract short-term users who leave once incentives fade, posing a mercenary flow risk [10]

Return on assets (ROA) measures how well a company uses assets like buildings and equipment to generate revenue.Learn more here: https://t.co/5xHIptbyBt https://t.co/BR188ooKt4 ...

I'm livestreaming (for the first time ever) in 30 minsthe founders of two of the fastest revenue-generating startups in tech (pump and axiom)and some guy TWAPing 1.65B in SOL, I forget his nameahnvm just rememberedhis name was kyle samaniSolana (@solana):SOLANA LIVE returns 🎙️🟣Sept 16th at 12pm ESTHosted by @0xMert_ft. @a1lon9, @mist_trading, & @KyleSamani https://t.co/OzfclVKQVp ...

RT s4mmy (@S4mmyEth)PUMP has an insane revenue engine which (alongside its streaming virality) has driven its FDV above $8bn.Crazy that building a traditional business & integrating buybacks would work.You should also pay attention to AI backed revenue generation, so I’ve linked examples below: https://t.co/KPhReiBXQT ...

Financial Performance - PUMP's revenue engine has driven its FDV above $8 billion [1] Market Dynamics - PUMP's streaming virality contributes to its revenue engine [1] - The industry should pay attention to AI-backed revenue generation [1] - Building a traditional business & integrating buybacks would work [1]