Group 1 - Brett Ashcroft-Green is a CERTIFIED FINANCIAL PLANNER™ and the founder of Ashcroft Green Advisors, a registered investment advisory firm based in Nevada [1] - The firm specializes in working with high-net-worth and ultra-high-net-worth families, leveraging Brett's extensive experience in private credit and commercial real estate mezzanine financing [1] - Brett has a professional background that spans the U.S. and Asia, including significant experience in China, and is fluent in Mandarin Chinese [1] Group 2 - The article does not provide any specific financial, investment, tax, or legal advice, emphasizing the importance of consulting with a qualified financial professional [3] - It highlights that the author's views are based on independent research and professional experience, without any compensation from companies mentioned [2][3]

Granite Point Mortgage Trust (NYSE:GPMT) Q4 2025 Earnings call February 12, 2026 11:00 AM ET Company ParticipantsBlake Johnson - EVP and CFOChristopher Petta - Investor RelationsJack Taylor - President and CEOStephen Alpart - VP and Chief Investment OfficerConference Call ParticipantsChristopher Muller - Senior AnalystGabe Poggi - Senior Equity AnalystJade Rahmani - Equity Research AnalystMarisa Lobo - Senior Equity Research AnalystOperatorGood morning. My name is Paul, and I will be your conference facilit ...

Core Insights - The regional banking sector is showing signs of recovery, particularly in commercial real estate (CRE), as valuations normalize and lending activity increases [1][3][4] - Class A office spaces are experiencing a resurgence, indicating a potential turnaround in the commercial real estate market [2][3] - The S&P Regional Banking ETF has increased by over 17% since its lows in November 2025, contrasting with the S&P Financial Sector's modest 4% rise [5] Group 1: Regional Banking Sector Recovery - The regional banking sector is benefiting from a combination of Federal Reserve actions and increased lending activity, leading to improved outlooks compared to six to ten months ago [1][3] - There is a notable shift in the commercial real estate landscape, with a recovery in Class A office spaces, suggesting a positive trend for regional banks [2][3] - The sector has maintained solid credit performance, with only seven basis points of charge-offs reported in the last quarter, indicating strong credit activity [9] Group 2: Challenges and Trends - Concerns remain regarding the impact of private credit on the financial sector, particularly following recent auto-related failures [10][12] - The regional banks have largely avoided risky lending practices that have plagued non-bank institutions, positioning them favorably in the current environment [8][11] - The ongoing economic environment is characterized by uncertainty, with potential risks from tariffs and the effects of AI on job creation and productivity [17][21][22] Group 3: Future Outlook and Innovations - The regional banking sector is expected to benefit from technological advancements, particularly in AI, which could enhance productivity and operational efficiency [33][35] - Consolidation within the regional banking industry is becoming a common strategy to compete against larger banks and fintech challengers, as seen in the recent merger announcements [39][40] - Regional banks have a defined sphere of influence, allowing them to focus on profitable sub-markets and maintain close relationships with local businesses [29][30]

Listen and subscribe to The Big Idea with Elizabeth Gore on Apple Podcasts, Spotify, or wherever you find your favorite podcast. Are you an entrepreneur looking to open a storefront? Here’s what you need to know… This week on The Big Idea with Elizabeth Gore, SERHANT. founder and media personality Ryan Serhant joins the show to answer the question: Should I buy or rent commercial real estate for my business? Serhant shares his expert advice on the real estate market and offers top guidance for entrepreneurs ...

Market Trends & Industry Dynamics - Banks are collaborating with private credit firms to finance commercial real estate deals in Europe [1] - This collaboration is raising concerns among some stakeholders [1]

AI Infrastructure Demand & Financing Concerns - Demand for AI infrastructure continues to grow [1] - Commercial real estate investors are increasingly concerned about hyperscalers turning to private equity for funding instead of directly funding buildings [2] - Lease agreements with hyperscalers could be risky if technology changes and reduces the need for large data centers [2][3] Financial Risks & Market Dynamics - No data center exits have exceeded $45 billion, raising concerns about valuations [3] - Large technology companies with $4 trillion market capitalization are hesitant to own data center assets, questioning the financial prudence [3] - Private equity firms may be left "holding the bag" with investor money (including pension funds) bearing the risk [4] Regulatory & Public Pushback - Towns are pushing back against data centers due to concerns about electricity rates and water usage [5] - Local politics are a growing concern for the commercial real estate market regarding data centers in 2026 [6] - Chandler, Arizona voted down a new data center due to water issues, highlighting public resistance [6]

Core Insights - Provident Bank has announced the appointment of two new executives and the promotion of two leaders, emphasizing its commitment to sustainable growth, technology investment, customer experience, and community impact [1] Executive Appointments and Promotions - Satish Harikrishnan has been promoted to Senior Vice President, Chief Technology Officer, responsible for the bank's technology strategy, operational efficiency, and cybersecurity [3] - Shyam Nair has joined as Senior Vice President, Head of Data, Analytics, and Data Governance, tasked with defining and executing the organization's data strategy [7] - Linda Martin has been promoted to Senior Vice President, Regional Sales Manager for the Central Region, focusing on branch and regional sales goals and customer experience [11] - Andrew Markey has joined as Senior Vice President, Team Leader, Commercial Real Estate, responsible for originating and structuring commercial real estate transactions [15] Achievements and Contributions - Under Harikrishnan's leadership, the bank has strengthened its technology foundation, including the establishment of a Network Operations Center and the Enterprise Architecture function [4][5] - Nair brings over 20 years of experience in technology strategy and transformation, having previously modernized Texas Capital's data and analytics ecosystem [8][9] - Martin has demonstrated exceptional leadership since joining Provident in 2023, focusing on team and customer needs [12][13] - Markey has over 30 years of experience in commercial real estate lending, previously growing the loan portfolio at Valley Bank [16][17] Company Overview - Provident Bank, founded in 1839, is the oldest community-focused financial institution in New Jersey, with assets of $24.83 billion as of September 30, 2025 [18]

Core Viewpoint - The commercial real estate sector has experienced significant upheaval due to rising interest rates, inflation, and other macroeconomic factors, impacting its traditionally stable nature [1]. Group 1 - Rising interest rates have contributed to the volatility in the commercial real estate market, altering investment dynamics [1]. - Inflation has further exacerbated challenges within the sector, affecting property values and rental income [1]. - The combination of these macroeconomic factors has led to a reevaluation of investment strategies in commercial real estate [1].

Tokyo Gas plans to sell a commercial building in Ginza, Tokyo to Mantomi Asset Management for over ¥30 billion ($191 million), according to people familiar with the matter https://t.co/W0PUhEalqD ...

What is the market currently getting wrong about commercial real estate. >> I think the market is we're this is the largest industry in the world, right. It's three times bigger than the stock market, the real estate markets globally.And I think people uh as they always do tend to look in the rearview mirror and they look at a suboptimal performance of the whole asset class across the last three or four years. And look, Nvidia goes up a trillion dollars in four months. Like the hot kids on the block are eve ...