I am a full-time analyst interested in a wide range of stocks. With my unique insights and knowledge, I hope to provide other investors with a contrasting view of my portfolio, given my particular background.If you have any questions, feel free to reach out to me via a direct message on Seeking Alpha or leave a comment on one of my articles.Analyst’s Disclosure:I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the ...

Financial Data and Key Metrics Changes - Earnings per common share were reported at $0.34, with EPS excluding notable items growing 27% year over year [14] - Average loan balances increased by $2.3 billion or 1.8% from the prior quarter, while average deposits rose by $1.8 billion or 1.1% [15][20] - Adjusted common equity tier one (CET1) was 9%, up 40 basis points from last year, and tangible book value per share increased 16% year over year [8][15] - Return on tangible common equity (ROTCE) was 16.1% for the quarter, adjusted ROTCE was 17.6% [14][15] Business Line Data and Key Metrics Changes - Average loans grew by almost $10 billion year over year, with significant contributions from commercial loans and new initiatives [7][17] - New initiatives accounted for approximately 40% of total loan growth, with $900 million in growth [17] - Fee income in strategic areas such as payments, wealth, and capital markets grew by 11% year over year [8][23] Market Data and Key Metrics Changes - The company reported strong deposit growth, with primary bank relationships increasing by 46% year over year in consumer and business banking [8] - The overall cost of deposits declined by one basis point, reflecting disciplined deposit pricing [20][52] Company Strategy and Development Direction - The company is focused on organic growth and has announced the acquisition of Veritex to accelerate growth in Texas [5][10] - The acquisition is expected to enhance commercial lending and capital markets opportunities, as well as expand the consumer franchise in Texas [12][13] - The company aims to maintain a moderate to low risk appetite while delivering strong performance [5] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the economic environment, noting improving sentiment and strong growth momentum [29] - The outlook for loan growth has been increased to 6% to 8%, and net interest income guidance has been raised to 8% to 9% for the full year [30][31] - Management remains focused on driving long-term shareholder value and believes the acquisition will contribute to future growth [36][109] Other Important Information - The company is maintaining a strong liquidity position with two times coverage of uninsured deposits [9] - Credit performance remains stable, with net charge-offs at 20 basis points and an allowance for credit losses at 1.86% [15][28] Q&A Session Summary Question: Concerns about net interest income guidance - Management indicated that they are on track to potentially hit the higher end of the net interest income guidance range, with economic stability being a key factor [42][43] Question: Feedback on the Veritex acquisition - Positive feedback was received from both internal and external partners, with excitement about the opportunities the acquisition presents [45][46][48] Question: Deposit trends and competition - Management noted strong deposit performance and expects continued solid growth, with stable deposit costs anticipated [50][52] Question: Changes in expense guidance - The increase in expense guidance is primarily due to higher incentive compensation linked to better revenue outlook [62][63] Question: Loan growth and competitive environment - Management acknowledged a slowdown in growth from new initiatives but remains optimistic about future contributions [65][66] Question: Outlook for North and South Carolina - The company continues to invest in these markets, with plans for new branch openings and hiring [72][73] Question: Capital levels and future distributions - Management is focused on maintaining a strong capital position and plans to begin regular capital distributions post-acquisition [108][109]

Company Overview - Chemed Corporation (CHE) provides healthcare and maintenance services primarily in the United States, operating in the VITAS and Roto-Rooter sectors [1]. VITAS Sector - The VITAS sector focuses on palliative care, which is a specialized area aimed at improving the quality of life for patients with serious illnesses [1]. Roto-Rooter Sector - The Roto-Rooter sector provides plumbing and drain cleaning services, contributing to the company's overall service offerings [1]. Investment Analysis Approach - The company emphasizes a fundamental analysis approach, screening for undervalued companies based on balance sheets, income statements, and cash flow statements [1]. - Valuation ratios and industry trends are key components of the analysis process to identify potential investment opportunities [1].

Back in early October of last year, I decided to revisit Select Medical Holdings Corporation (NYSE: SEM ), one of the largest operators of critical centers, rehabilitation hospitals, outpatient rehabilitation clinics, and occupational health centers in the US. ICrude Value Insights offers you an investing service and community focused on oil and natural gas. We focus on cash flow and the companies that generate it, leading to value and growth prospects with real potential.Subscribers get to use a 50+ stock ...

Group 1 - The article discusses the unusual market conditions in the current year, highlighting a mix of various factors impacting the investment landscape [1] - There is a focus on the importance of in-depth research on various income alternatives, including REITs, mREITs, Preferreds, BDCs, MLPs, and ETFs [1] Group 2 - The article emphasizes the significance of understanding market-moving developments, suggesting that this year has seen an increase in such articles [1]

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The Avantis US Large Cap Value ETF (NYSEARCA: AVLV ), launched on 09/21/2021 and managed by American Century Investment Management Inc., provides exposure to large-cap stocks that exhibit value characteristics through a factor-based systematic strategy. For an actively managed fund, it charges aAnalyst’s Disclosure:I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and ...

NEW YORK, July 17, 2025 (GLOBE NEWSWIRE) -- Aeries Technology (Nasdaq: AERT), a global leader in AI-powered value creation, business transformation, and Global Capability Center (GCC) delivery for private-equity (PE) portfolio companies, today announced that it has restored compliance with the minimum bid price requirement under Nasdaq Listing Rule 5550(a)(2) and will continue to trade on the Nasdaq Capital Market. No hearing or appeal process was necessary, and the matter is now fully closed. “We’re please ...

Group 1 - The article focuses on industry metrics for a top-down analysis of the consumer discretionary sector, which may assist in evaluating sector ETFs like Consumer Discretionary Select Sector SPDR ETF (XLY) and Fidelity MSCI Consumer Discretionary [1] - The investing group Quantitative Risk & Value, led by Fred, emphasizes a portfolio invested in quality dividend stocks and companies leading in tech innovation, along with market risk indicators and various investment strategies [1]

Company Overview - Invictus Origin is a high-alpha investment company founded by Oliver Rodzianko in May 2025, aiming to deliver among the highest annual returns globally [1] - The company is developing innovative portfolio strategies, particularly through its flagship High-Alpha Black Swan Portfolio, designed to outperform leading indices like the Nasdaq-100 [1] Investment Strategy - The Invictus Hydra Portfolio maintains approximately 20% in dynamic cash reserves, allowing for strategic value investing during significant market disruptions [1] - The investment process emphasizes fundamental valuation, long-term market cycles, and sector expertise in technology, semiconductors, artificial intelligence, and energy [1] Leadership and Expertise - Oliver Rodzianko has extensive experience as a macro-focused investment analyst and has built a strong reputation through platforms like Seeking Alpha, TipRanks, and GuruFocus [1] - As CEO, Oliver leverages his expertise to establish a firm characterized by resilience, performance, and disciplined capital stewardship [1]