INVESTOR PRESENTATION May 2025 Forward-looking statements involve known and unknown risks and uncertainties that may cause future results to differ materially from those suggested by the forward-looking statements. Such risks and uncertainties include, but are not limited to the following; our business, operations, customers, suppliers nd employees; general economic conditions in the areas of the United States in which the Company's customers are located; changes in the market where uniforms are worn, where ...

Financial Data and Key Metrics Changes - Revenue for the first quarter of 2025 increased by 8.5% year-over-year, totaling $34.7 million, with adjusted EBITDA rising by 64% to $6.3 million [7][13][17] - Adjusted EBITDA margin improved to 18.2%, up from 12.1% in the previous year [10][17] - Operating cash flow reached $1.8 million, nearly four times higher than the prior year [9][18] Business Line Data and Key Metrics Changes - Patient Services segment revenue increased by 11.7%, contributing $2.2 million to the overall revenue growth, while Device Solutions segment revenue grew by 4% [13][14] - Oncology revenue rose by 10.3%, wound care treatment revenue surged by 133%, and pain management increased by 8.8% [14] - Device Solutions growth was driven by higher rental revenues, partially offset by lower biomedical services revenue [14] Market Data and Key Metrics Changes - The company is experiencing growth in various markets, particularly in oncology and wound care, indicating a robust demand for its services [14][22] - The company has established partnerships with major medical device companies, enhancing its market position [5][22] Company Strategy and Development Direction - The company aims to improve profitability and operational efficiencies while focusing on growth opportunities in wound care and biomed [21][24] - Future revenue growth is expected to be less capital-intensive, with a focus on leveraging existing infrastructure [19][24] - The company plans to complete a major technology system upgrade by early 2026, which is anticipated to enhance operational efficiencies [11][24] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's growth trajectory, citing a strong start to 2025 and a continuation of positive trends from 2024 [6][9] - The company expects full-year revenue growth of 8% to 10% and an adjusted EBITDA margin above 18.8% [17][24] - Management highlighted the importance of improving the profitability profile and aligning costs with growth opportunities [21][24] Other Important Information - The company incurred approximately $500,000 in expenses related to IT system upgrades during the first quarter [10][16] - Net capital expenditures for the first quarter were $2.6 million, significantly higher than the previous year's $400,000 [18][19] - The company maintains strong liquidity, with over $47.6 million available as of March 31, 2025 [20] Q&A Session Summary Question: Are the excellent results due to Carrie taking over? - Management clarified that the results are a culmination of years of work by Carrie and the team, not solely due to the leadership change [27] Question: Thoughts on tariff impact? - Management indicated limited exposure to tariffs, as most costs are related to personnel and depreciation rather than material purchases [31][33] Question: Opportunities in biomed services? - Management acknowledged the potential for growth in biomed services and is focused on leveraging existing infrastructure to attract additional customers [35] Question: Estimation of gross margins for the rest of the year? - Management suggested that the current gross margin may be a high watermark and expected stabilization rather than further increases [40] Question: Oncology business growth and future expectations? - Management noted that the recent growth was driven by improved revenue cycle processes and collections, with expectations for continued volume growth [46][47] Question: Device Solutions gross margin improvement? - Management attributed the growth to the rental business and indicated a positive outlook for future margins in this segment [51][53] Question: Impact of proposed budget cuts by the new administration? - Management expressed confidence that the company is well-positioned in the home care market and does not foresee significant risks from budget cuts [54][56] Question: IT upgrade costs and timeline? - Management confirmed that the $2.5 million in costs for the IT upgrade will taper off significantly after the first quarter of 2026 [57][66] Question: Tax rate and cash tax payments? - Management explained that the high tax rate was due to non-deductible expenses and that most tax provisions are deferred, with minimal cash tax payments currently [58][60]

Core Viewpoint - Dime Community Bancshares, Inc. is launching a new fund finance vertical to enhance its offerings in the private equity sector, led by Michael Watts, aiming to capitalize on growth opportunities in this space [1][2][3]. Group 1: Company Expansion - The new fund finance vertical is part of Dime's growth strategy, which has already seen a significant increase in business loans, growing by over $450 million in the twelve months ending March 31, 2025 [2]. - Dime has previously established successful verticals in Healthcare and Not-for-Profit, indicating a strategic focus on industry-specific expertise [2][3]. - The company aims to recruit talented individuals from various financial institutions to bolster its capabilities and coverage [2]. Group 2: Leadership and Strategy - Michael Watts, previously a Senior Vice President at East West Bank, has been appointed to lead the new fund finance vertical, which is expected to provide customized financing solutions to private equity firms [1][3]. - The expansion into fund finance is seen as a way to diversify Dime's business lines and enhance its competitive position in the market [3]. Group 3: Company Profile - Dime Community Bancshares, Inc. holds over $14 billion in assets and has the number one deposit market share among community banks in Greater Long Island [4].

Financial Data and Key Metrics Changes - Revenues increased by 50% year over year, reaching $927 million in Q1 2025, with adjusted EBITDA margins expanding by 11 points from the previous year [14][11] - EPS more than doubled, and adjusted EBITDA for the past twelve months reached $1.7 billion [14] - Net deposits for April were approximately $6.5 billion, with record net deposits of $18 billion in the quarter [15][11] - Margin balances increased to $8.4 billion, doubling from the previous year [15] Business Line Data and Key Metrics Changes - Trading volumes increased by double digits across all categories, with equities trading up 84% year over year and record options volume achieved [15][11] - Retirement assets grew to $16 billion, a 20% increase since the start of the year [9] - Robinhood Gold subscribers nearly doubled year over year to 3.2 million, with a 12% adoption rate overall [12] - The launch of new products like Robinhood Strategies, Robinhood Cortex, and Robinhood Banking has seen rapid adoption, with Robinhood Strategies already having over 40,000 customers and $100 million in assets [7][18] Market Data and Key Metrics Changes - International customer base has grown to over 50,000, with continued acceleration expected [13] - The company is enhancing its UK brokerage offering and preparing for a launch in Asia [9] Company Strategy and Development Direction - The company aims to build the number one platform for active traders, increase wallet share for the next generation, and create a global financial ecosystem [4] - The focus on product velocity has led to strong business results, with plans to continue expanding offerings and improving customer experience [11][20] - The acquisition of Bitstamp is on track to close mid-year, further enhancing the company's crypto offerings [10] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's strategy and product velocity, noting strong engagement and resilience among active traders [36][37] - The company is focused on maximizing earnings per share and free cash flow over time, with a positive outlook for continued profitable growth in 2025 [20][90] Other Important Information - The company has executed over $650 million of its $1 billion share repurchase program, with an increase in authorization to $1.5 billion [19][20] - The company is diversifying its business with nine segments generating over $100 million in annualized revenues, nearly double from previous years [17] Q&A Session Summary Question: What is Robinhood doing to accelerate credit cards and checking accounts for gold members? - Management reported a doubling of gold cardholders to over 200,000 in Q1 and plans to continue increasing this number throughout the year [23] Question: When will users be able to invest in private companies such as SpaceX? - Management highlighted the need for comprehensive security legislation and a rethinking of accredited investor rules to enable investments in private companies [26][27] Question: When will Robinhood offer 401(k) plans to businesses? - The company aims to expand its services to businesses and institutions, with 401(k) administration being a long-term opportunity [29][30] Question: Can you provide insights on April metrics and customer engagement? - Management noted strong engagement across the board in April, with diverse sources of net deposits and a broad-based strength in retail engagement [34][35] Question: What is the trajectory of Robinhood Gold's growth? - Management expressed confidence in Robinhood Gold's growth trajectory, aiming to make it comparable to leading membership loyalty programs [40][41] Question: How is the crypto business performing? - The crypto segment had a strong quarter with $260 million in revenue, and management is focused on increasing market share despite fluctuations in trading volumes [48][49] Question: What are the expectations for credit loss provisioning? - Management indicated low delinquency rates and write-offs, with expectations for gradual increases in credit loss provisions as more cards are rolled out [86] Question: How is the adoption of smart exchange routing for crypto traders? - Early results for smart exchange routing are positive, particularly among active traders, with plans for further customization and pricing based on trading activity [102]

Financial Data and Key Metrics Changes - Total revenue for Q1 2025 was $133.4 million, a 4% increase compared to Q1 2024, driven by favorable product mix and higher volumes, partially offset by average price decreases and foreign currency impacts [20] - Gross profit was $32.8 million, with a gross profit margin of 24.6%, up from 23.4% in the previous year [21] - Operating profit improved to $2.3 million from an operating loss of $943,000 in Q1 2024 [22] - Net income was $1.8 million or $0.13 per diluted share, compared to a net loss of $1.2 million or $0.08 per diluted share a year ago [23] - Net cash provided by operating activities was $6.6 million, down from $19.7 million in Q1 2024 [24] Business Line Data and Key Metrics Changes - Hamilton Beach brand sales saw modest growth, primarily from the U.S. Consumer and Latin America businesses [8] - The premium business delivered mid-single-digit growth, driven by new product launches, particularly in the Nu Milk and Qi brands [9] - The Health Beacon business contributed $1.5 million in revenue, marking its third consecutive quarter of increasing patient subscriptions [12] Market Data and Key Metrics Changes - North American consumer markets showed solid growth, with the U.S. market being the primary contributor [20] - International revenue experienced slight declines, indicating challenges in overseas markets [20] Company Strategy and Development Direction - The company is focused on six strategic initiatives: driving core growth, gaining share in the premium market, leading in the global commercial market, accelerating growth of Hamilton Beach Health, enhancing digital transformation, and leveraging partnerships and acquisitions [7] - The launch of the new premium brand Lotus is expected to capture share in the $4 billion total addressable premium market [11] Management's Comments on Operating Environment and Future Outlook - Management acknowledged increasing macroeconomic headwinds and the challenges posed by tariffs, but expressed confidence in navigating these issues [6] - The company plans to suspend guidance temporarily due to the unpredictability of trade negotiations and their potential impacts [26] Other Important Information - The company has transitioned approximately 15% of its manufacturing out of China and aims for two-thirds of U.S. sales to come from outside China by the end of 2025 [16] - The company is taking proactive measures to mitigate tariff impacts, including price increases and sourcing diversification [15] Q&A Session Summary Question: Clarification on gross margin outlook with tariffs - Management indicated that while they are working to mitigate tariff impacts, they do not have clear visibility on gross margins going forward [30] Question: Cost comparison of sourcing outside China - Management stated that they believe they can maintain margins despite potential cost variations when diversifying production outside of China [34][37] Question: Retailers' response to price increases - Management noted that there is open communication with retailers regarding price increases, and both parties are navigating the situation together [42] Question: Performance breakout for HealthBeacon - Management confirmed that HealthBeacon's performance will continue to be reported in segment disclosures and is growing at a better-than-expected rate [46]

Financial Data and Key Metrics Changes - The company reported a nearly 25% increase in sales for the first quarter of 2025, with a 5% increase when excluding the recent Nissens acquisition [5][6] - EBITDA increased by $20 million, with a 350 basis point lift in EBITDA margin [6] - Consolidated net sales increased by 24.7%, and adjusted EBITDA rose to 10.4% of net sales, with non-GAAP diluted earnings per share up 80% compared to last year [25][29] Business Line Data and Key Metrics Changes - **Vehicle Control Segment**: Sales increased by 3.7% to $192.3 million, with adjusted EBITDA rising to 11.6%, up 120 basis points from last year [22] - **Temperature Control Segment**: Sales increased by 24.1% to $88.9 million, with adjusted EBITDA at 10.6% [22] - **Engineered Solutions Segment**: Sales decreased by 11.2%, but adjusted EBITDA improved to 9.7% due to a favorable customer and product mix [23][24] - **Nissens Automotive**: Contributed $66.2 million in net sales and $11.5 million in adjusted EBITDA, exceeding expectations with a 17.3% EBITDA margin [24] Market Data and Key Metrics Changes - The U.S. now represents about 70% of total sales, down from 90% a few years ago, indicating increased geographic diversification [19] - The company noted that the aftermarket industry tends to outperform during economic downturns, as consumers delay new car purchases and maintain existing vehicles [31] Company Strategy and Development Direction - The company is focused on leveraging its North American manufacturing footprint to mitigate tariff impacts and maintain competitive pricing [15][17] - There is an emphasis on operational excellence and cost reduction programs to enhance resilience in a challenging economic environment [32][33] - The integration of Nissens is expected to yield significant synergies and expand product offerings [14][33] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in navigating the uncertain economic climate, citing structural advantages and a resilient aftermarket industry [30][31] - The company affirmed its guidance for mid-teens percentage growth in net sales for 2025, despite tariff-related uncertainties [28][29] Other Important Information - Cash used in operations increased to $60.2 million due to higher accounts receivable and inventory balances related to sales growth [25] - The company is actively engaged in tariff mitigation efforts, including working with suppliers to reduce costs and relocating to lower tariff regions [18] Q&A Session Summary Question: POS and Vehicle Control performance - Management confirmed that POS in Vehicle Control was up in the low single digits during the quarter, indicating a positive trend [38][39] Question: Impact of tariffs on imported auto parts - Management indicated that recent tariff relief announcements appear to be more focused on automakers, with minimal expected impact on the company [40] Question: Nissens' growth and integration - Nissens is performing well and continues to grow, with integration efforts ongoing but no immediate financial impact expected [41][42] Question: Competitive positioning in the tariff environment - Management believes their North American footprint provides a structural advantage over competitors, particularly in the current tariff landscape [48][49] Question: European aftermarket trends - Management noted that hard failure items in Europe are outperforming, and Nissens is well-positioned to take advantage of these trends [50] Question: Outlook for Q2 orders and inventory management - Management does not believe there was a significant pull forward in orders due to tariffs, and preseason orders for Temperature Control were front-loaded this year [51][52] Question: Retailers' response to tariff pricing - Management is in communication with retailers and believes that a fair negotiation process will allow for passing through tariff costs [53][54] Question: Status of facility move and associated costs - The facility move is ongoing, with costs in line with previous estimates, and updates on synergies will be provided as operations ramp up [65][66]

CONSOLIDATED TURNOVER FOT THE 1st QUARTER 2025: +6.4% at €41.5MAT CONSTANT EXCHANGE RATE (*): +4.1% Blagnac, France, April 30th, 2025, after closing of the Stock Market. SOGECLAIR, a supplier of innovative solutions with high added value for a safer and less-consuming mobility announces today its turnover for the 1st quarter 2025 (ending on March 31st 2025). SOGECLAIR is listed on Euronext Growth Paris. (*) At Constant Exchange rate: the change variations over the period represent €+0.9M against €-0.2M in 2 ...

Financial Data and Key Metrics Changes - The company achieved record first quarter revenue of $334.2 million, a 29% increase compared to the same period last year [5][13] - Gross profit increased by $2.8 million to $31.5 million, although gross profit margin decreased by 170 basis points to 9.4% of revenue [13][15] - Adjusted net income for the quarter was $7.1 million or $0.10 per diluted share, compared to $6.7 million or $0.09 per diluted share last year [15] Business Line Data and Key Metrics Changes - The Marketing and Distribution segment net sales increased 32% to $295.8 million, driven by a 25% increase in per unit avocado selling prices and a 5% increase in avocado volume sold [5][16] - The International Farming segment sales increased 59% to $9.2 million, with adjusted EBITDA improving to $1.8 million from a loss of $0.5 million in the prior year [17] - The blueberry segment saw a 12% increase in revenue to $36.4 million, driven by a 70% increase in volumes sold, although average per unit selling prices decreased by 33% [18] Market Data and Key Metrics Changes - The company faced industry supply challenges in Mexico, impacting avocado supply and necessitating increased procurement through co-packers and spot market purchases [5][8] - The company expects industry volumes in the second quarter of fiscal 2025 to be consistent with the prior year, with pricing expected to be higher by approximately 5% [20] Company Strategy and Development Direction - The company is strategically diversifying its sourcing footprint to include key growing regions such as Peru, Colombia, and Guatemala to ensure reliable year-round supply [9][10] - The company is expanding its blueberry and mango segments, investing in new plantings and premium varietals to capitalize on growing consumer demand for healthy snacks [6][8] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in navigating supply challenges and highlighted the importance of their diversified business model [9][11] - The company remains optimistic about future opportunities and is focused on operational excellence and prudent capital allocation [11][12] Other Important Information - Cash and cash equivalents were $40.1 million as of January 31, 2025, with capital expenditures of $14.8 million for the quarter [19] - The company anticipates a normal seasonal unwinding of working capital strains in the second half of the fiscal year [31][32] Q&A Session Summary Question: Can you elaborate on sourcing from co-packers? - Management noted that sourcing from co-packers was higher than typical due to a slight decrease in the overall crop in Mexico, but they expect to secure more direct inventory soon [24][25][26] Question: What is the visibility on unwinding working capital? - Management indicated that working capital strains are normal for the first half of the fiscal year and expect to unwind in the second half as they transition to harvesting their own fruit [31][32] Question: Have you observed changes in supplier behavior due to tariffs? - Management observed more supplier conversations leading up to the March tariff announcement, but overall supply remained consistent and they were able to meet customer requirements [34][35]