Fiscal 2026 First Quarter Earnings Call Bruce Caswell President & Chief Executive Officer February 5, 2026 1 | Maximus: Q1 FY26 Earnings Presentation Forward-looking Statements & Non-GAAP Information These slides should be read in conjunction with our most recent quarterly earnings press release, along with listening to or reading a transcript of management comments from our most recent quarterly earnings conference call. This document contains non-GAAP financial information. Management uses this informatio ...

Core Viewpoint - ReelTime Media, Inc. has successfully reduced its outstanding debt by over 50% through strategic renegotiations, enhancing its balance sheet and positioning for long-term growth and shareholder value [1][6]. Debt Reduction Strategy - The company reached an agreement with its largest debt holder to retire a note with an outstanding balance of approximately $2.86 million at a 15% interest rate, replacing it with a new note of approximately $286,000 at a reduced 5% interest rate, maturing on February 1, 2028 [4]. - Additionally, ReelTime extinguished approximately $63,000 in legacy debt, resulting in a 20% reduction in potential dilution relative to prior conversion terms [5]. - This marks the second major debt reduction in the past year, with a total debt reduction exceeding 64%, including a previous reduction of approximately $1.2 million in April [5]. Financial Position and Strategy - The company's CEO emphasized a disciplined strategy to improve financial position while protecting shareholder interests, focusing on reducing high-interest obligations and eliminating legacy liabilities [6]. - ReelTime is currently negotiating with remaining long-term note holders to modify and restart multiple outstanding notes, aiming to further reduce potential dilution and streamline its capital structure [6]. Industry Context - Unlike many leading AI infrastructure companies that are increasing leverage for capital-intensive expansions, ReelTime is prioritizing balance-sheet strength and disciplined capital management [7][8]. - The company believes its approach provides a unique financial advantage in a market that rewards capital efficiency and sustainable growth [8]. Company Overview - ReelTime Media, based in the Seattle area, is a multimedia production and AI innovation company, known for its flagship Reel Intelligence platform that offers tools for creating various media content [9].

Company will also discuss long term aspirational goals and recent AI Innovation CHARLESTON, S.C., Jan. 27, 2026 /PRNewswire/ -- Blackbaud (NASDAQ: BLKB), the world's leading provider of AI-powered solutions for social impact, will report its fourth quarter and full year 2025 financial results at 8:00 a.m. ET on Tuesday, February 10, before the U.S. financial markets open for trading. This earnings call will include the company's financial results for 2025, guidance for 2026, and include long-term aspiratio ...

Core Insights - HPE has announced a strategic collaboration with 2degrees to develop a private AI platform aimed at enhancing AI-driven innovation and modernizing 2degrees' technology environment [1][2][4] Group 1: Collaboration and Technology - The partnership focuses on creating a purpose-built private AI platform using HPE Private Cloud AI, which will enable 2degrees to deliver more agile and scalable solutions while ensuring data sovereignty [1][2][4] - The new AI platform will allow 2degrees to dynamically allocate resources across various AI use cases, optimizing network operations and reducing internal development cycles [2][3] Group 2: Benefits and Applications - The collaboration is expected to improve network performance, making it more resilient and predictable, while also enabling faster development and release of new products and features [3][5] - Initial AI use cases include autonomous network operations, predictive maintenance, and AI-powered capacity planning, which will enhance the overall customer experience [5][6] Group 3: Commitment to Data Sovereignty - 2degrees emphasizes its commitment to data sovereignty, ensuring that customer and operational data remain under New Zealand jurisdiction, which is increasingly important amid complex global data regulations [4][6] - The partnership with HPE is seen as a benchmark for how New Zealand organizations can responsibly utilize AI while maintaining control over their data [4][6]

Financial Data and Key Metrics Changes - In the fourth quarter of 2025, GAAP net income was $75.3 million, with diluted earnings per share at $1.52, resulting in a 1.20% return on assets and an 8.38% return on average common equity [12] - Adjusted operating net income for the quarter was $84.4 million, or $1.70 diluted EPS, representing a 1.34% return on assets and a 9.38% return on average common equity [12] - Operating EPS increased by 60% and operating ROAA rose by 40 basis points compared to the first quarter of 2025 [2] Business Line Data and Key Metrics Changes - C&I loans increased 9% organically in 2025, now representing 25% of total loans, up from 22% at year-end 2024 [6] - Total commercial loans closed were $789 million in the fourth quarter, up from $754 million in the previous quarter [6] - Non-time deposits grew organically by 4.2% in 2025, with DDAs representing 28% of overall deposits [7] Market Data and Key Metrics Changes - The cost of total deposits was 1.46% in the fourth quarter, reflecting the value of the deposit franchise [7] - Legacy Rockland Trust branches generated record new business relationships, totaling 6,921, with 97% of branches achieving positive net new growth in business relationships [8] Company Strategy and Development Direction - The company aims to focus on organic growth, expense management, and capital optimization moving into 2026 [10] - Plans include hiring more commercial lenders and aligning incentive structures to emphasize both loan and deposit growth [9] - The company is not currently focused on M&A, prioritizing organic growth and successful integration of the enterprise acquisition [32] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's positioning across markets, driven by product strength and employee dedication [10] - The overall asset quality remains stable, with no significant loss exposures currently in workout status [22] - Management anticipates continued margin expansion from cash flow repricing dynamics in both loan and securities portfolios [22] Other Important Information - The company returned $164 million of capital to shareholders in 2025, including the repurchase of 913,000 shares for $61 million [8] - The fourth quarter results benefited from a lower tax rate due to one-time adjustments associated with the corporate tax return [14] Q&A Session Summary Question: Can you walk through the dynamics with the criticized classified loans? - Management noted that the increase in non-performing assets was primarily due to one specific loan that is now in the first quarter 2026 maturity bucket, which is expected to be resolved early in 2026 [27][29] Question: What is the outlook on deposit betas with potential rate cuts? - Management indicated that they expect to maintain a 20% beta on non-CD deposits and 80% on CDs, reflecting their deposit franchise structure [30][31] Question: What is the outlook on M&A? - Management stated that they are not focused on M&A at the moment, prioritizing organic growth and successful integration of the enterprise acquisition [32] Question: What are the plans for hiring additional commercial loan officers? - Management mentioned that they are in a good position with new hires from the previous year and expect inherent C&I growth from these new team members [57] Question: Can you provide guidance on capital targets? - Management indicated long-term capital targets for CET1 in the high 11%-12% range, suggesting a focus on returning capital to shareholders through buybacks [39]

NEW YORK: Finn Partners has hired Andrea Delafield as head of digital and data strategy.In the newly created role, Delafield leads Finn Partners’ core technical disciplines, including SEO, UX, development, martech and data science, while supporting AI innovation initiatives, the agency said in a statement.She started in the position in late October and reports to Finn Partners global head of digital Alexis Pratsides. Delafield’s remit includes about 20 staff across the agency’s SEO, data, conversion rate op ...

Core Insights - Faraday Future has commenced assembly production of the FX Super One MPV pre-production vehicles at its Hanford, California factory, with a ceremony for the first vehicle scheduled for December 21, 2025 [1][3] - This production milestone signifies the near completion of the Company's Bridge strategy, which aims to create a closed loop of supply chain, testing, logistics, customs clearance, and production [1][8] Production Details - The assembly process follows the arrival of nearly 3,000 parts per vehicle needed for the first batch of FX Super One vehicles, which will be utilized for testing and marketing in the U.S. [3][6] - The Hanford facility, named "FF aiFactory California," has seen approximately $300 million invested and is expected to produce over 30,000 FX vehicles annually with further investment [7] Vehicle Features - The FX Super One is designed as an affordable mass-market MPV, featuring a spacious interior with high-end materials, advanced technology, and multiple rows for passenger comfort [9] - It will offer all-wheel drive (AWD) and two powertrain options: battery electric and an AI hybrid extended range configuration to be introduced later [9] Strategic Goals - The production of the FX Super One is a critical step towards achieving the Company's broader goals, including ensuring operational efficiency and compliance with various standards [8] - The Company is also focused on comprehensive engineering efforts, including safety testing and validation, to meet high standards of quality and performance for the FX Super One [8]

CHICAGO--(BUSINESS WIRE)--Reply [EXM, STAR: REY] is taking part in Microsoft Ignite 2025, a premier event for technology professionals and decision-makers hosted by Microsoft, held from November 18 to 21 in San Francisco, California. A trusted Microsoft partner since 1996, Reply empowers organizations to innovate with Microsoft technologies, driving agility, intelligence, and sustainable growth. With more than 2,000 Microsoft certifications across its network of companies – including Business E. ...

Core Insights - Trip.com Group showcased its leadership in the travel industry at the World Travel Market 2025, focusing on digital transformation, personalization, and sustainability [1][8] - The motivations for travel have shifted from escape to connection, with a notable increase in interest for cultural and nature-based experiences [2][3] Evolving Travel Motivations - The company's report, "Why Travel?", indicates a 53% year-on-year increase in searches for cultural experiences and a 300% rise in searches for wellness-sport pairings [3] - Travellers are now more intentional, seeking authenticity and value, leading to longer stays and greater engagement with eco-certified accommodations [3][8] AI-Driven Personalisation and Support - Trip.com Group introduced Trip.Planner, a comprehensive travel planning hub that enhances user experience through itinerary creation and real-time updates [4][5] - The platform aims to empower travellers and partners by providing hyper-personalized travel solutions tailored to individual needs [5][6] Sustainability Initiatives - There is a growing interest in responsible travel, with 92% of travellers expressing interest in sustainability, yet less than 60% have acted on it [7][8] - The company emphasizes its role in bridging the gap between consumer awareness and action regarding sustainable travel choices [8] Company Overview - Trip.com Group is a leading global travel service provider, operating platforms like Trip.com, Ctrip, Skyscanner, and Qunar, and aims to facilitate informed and cost-effective travel bookings [9] - Founded in 1999 and publicly listed on NASDAQ and HKEX, the company is committed to creating a better travel experience for users worldwide [9]

Core Viewpoint - Faraday Future Intelligent Electric Inc. is set to report its third quarter financial results for 2025 on November 13, 2025, followed by an earnings call [1] Group 1: Financial Reporting - The company will announce its third quarter financial results after market close on November 13, 2025 [1] - An earnings call is scheduled for 4:30 p.m. Pacific Time (7:30 p.m. Eastern Time) on the same day [1] Group 2: Stockholder Engagement - Faraday Future invites stockholders to submit questions in advance of the earnings call via email [2] Group 3: Investor Relations - Interested investors can listen to a webcast of the conference call on the company's Investor Relations website, with a replay available shortly thereafter [3] Group 4: Company Overview - Faraday Future is a California-based company focused on creating a shared intelligent electric mobility ecosystem, founded in 2014 [4] - The company's mission is to disrupt the automotive industry with a user-centric, technology-first approach, exemplified by its flagship model, the FF 91 [4] - The FX strategy aims to introduce mass production models with luxury technology targeting a broader market [4]