Q3 & 9M 2025 Financial & Operating Results November 18, 2025 C3is Inc. 1 This presentation contains forward-looking statements within the meaning of applicable federal securities laws. Such statements are based upon current expectations that involve risks and uncertainties. Any statements contained herein that are not statements of historical fact may be deemed to be forward-looking statements. For example, words such as "may," "will," "should," "estimates," "intends," and similar expressions are intended t ...

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Shein tells investors that it’s expecting a bumper $2 billion in net income in 2025, despite a drop in online traffic caused by Trump’s tariffs https://t.co/No3yD1pYFy ...

Core Insights - Postal Realty Trust (PSTL) reported a revenue of $24.33 million for the quarter ended September 2025, marking a year-over-year increase of 23.7% and exceeding the Zacks Consensus Estimate by 0.8% [1] - The earnings per share (EPS) for the same period was $0.33, compared to $0.03 a year ago, representing a surprise of 6.45% over the consensus estimate of $0.31 [1] Revenue Breakdown - Rental income was reported at $23.69 million, surpassing the three-analyst average estimate of $23.43 million, with a year-over-year change of 26.2% [4] - Fee and other revenues were $0.63 million, slightly below the estimated $0.7 million, reflecting a year-over-year decline of 29.2% [4] Stock Performance - Over the past month, shares of Postal Realty Trust have returned -1%, while the Zacks S&P 500 composite has increased by 2.1% [3] - The stock currently holds a Zacks Rank 2 (Buy), suggesting potential outperformance against the broader market in the near term [3]

Financial Performance - University Bancorp, Inc. reported an unaudited net income of $4,371,716 for 3Q2024, translating to $0.85 per share based on average shares outstanding of 5,169,518, compared to a net income of $2,744,480.07 or $0.53 per share in the same quarter of the previous year [1] - For the nine months ended September 30, 2025, the net income was $5,535,896, equating to $1.19 per share, down from $7,913,973.04 or $1.53 per share for the same period in 2024 [1]

Financial Performance - Strategy reported $28 billion net income in Q3 [1] - Bitcoin holdings profit up $129 billion year-to-date [1] Bitcoin Holdings - The company holds 640808 BTC [1] - Achieving a 26% BTC yield in 2025 [1]

Strategy announces Q3 2025 results & reaffirms 2025 guidance.Q3 results: $3.9B Operating Income, $2.8B Net Income, $8.42 Diluted EPSFY2025 guidance: $34B Operating Income, $20B BTC $ Gain https://t.co/lNR3FetIao ...

DIXON, Calif.--(BUSINESS WIRE)--First Northern Community Bancorp (the "Company†, OTCQX: FNRN), holding company for First Northern Bank ("First Northern†or the "Bank†), today reported net income of $15.2 million, or $0.96 per diluted share, for the nine months ended September 30, 2025, up 6.8% compared to net income of $14.2 million, or $0.88 per diluted share, for the nine months ended September 30, 2024. Net income for the quarter ended September 30, 2025, was $6.0 million, or $0.38 per dilut. ...

Core Viewpoint - Agnico Eagle Mines Limited reported strong operational performance and record financial results for Q3 2025, driven by higher gold prices and disciplined cost management, positioning the company to meet its full-year production and cost guidance [2][9]. Financial Performance - Payable gold production for Q3 2025 was 866,936 ounces, with production costs per ounce at $963, total cash costs at $994, and all-in sustaining costs (AISC) at $1,373 [9][14]. - The average realized gold price in Q3 2025 was $3,476 per ounce, significantly exceeding the company's guidance assumption of $2,500 [9][20]. - The company reported a net income of $1,055 million ($2.10 per share) and record adjusted net income of $1,085 million ($2.16 per share) for Q3 2025 [9][21]. - Free cash flow for Q3 2025 was $1,190 million ($2.37 per share), reflecting strong cash generation capabilities [9][21]. Production and Cost Guidance - The company reiterated its full-year gold production guidance of 3.3 to 3.5 million ounces for 2025, with total cash costs and AISC expected to trend towards the higher end of guidance ranges due to elevated gold prices [9][31]. - Total capital expenditures for 2025 are projected to remain between $1.75 billion and $1.95 billion, with capitalized exploration expected between $290 million and $310 million [9][32]. Financial Position - As of September 30, 2025, the company's net cash position increased to $2,159 million, with cash and cash equivalents rising by $797 million and long-term debt reduced by $400 million [9][39]. - Moody's upgraded the company's long-term issuer rating to A3 from Baa1, reflecting a strengthened financial profile [9][38]. Shareholder Returns - A quarterly dividend of $0.40 per share was declared, and the company repurchased 1,005,577 common shares during the quarter at an average price of $149.02, totaling $150 million [9][44][47]. Key Projects and Developments - Significant progress was made on key pipeline projects, including Canadian Malartic, Detour Lake, Upper Beaver, Hope Bay, and San Nicolas, with various stages of development and exploration drilling ongoing [9][48]. - At Canadian Malartic, excavation of the first loading station was completed, and exploration drilling highlighted promising gold grades [9][48].

Financial Data and Key Metrics Changes - Wintrust reported a record net income of $216 million for Q3 2025, up from over $195 million in the previous quarter, representing an increase of almost 11% quarter over quarter [4] - Net interest income increased by $20 million from the second quarter to $567 million, driven by solid loan and overall balance sheet growth [5] - Total loans reached $52 billion at quarter end, reflecting an 11% year-to-date increase on an annualized basis [5] - Total deposits were nearly $57 billion at the end of Q3, with deposit growth of just under $900 million [5][9] - Net interest margin was 3.50% for the quarter, slightly down from the prior quarter but within the targeted range [6] Business Line Data and Key Metrics Changes - Loan growth for the quarter was broad-based, with commercial real estate loans growing by $327 million and Wintrust Life Finance growing by $252 million [14] - Non-interest income totaled $130.8 million in Q3, up approximately $6.7 million compared to the prior quarter, supported by higher wealth management and mortgage revenue [11] - Non-interest expenses totaled $380 million, a slight decline from $381.5 million in the previous quarter, indicating well-controlled expenses [11] Market Data and Key Metrics Changes - Wintrust achieved deposit share gains in key markets, ranking third in deposit market share in Illinois, up one position [7] - The company continues to see strong growth in its franchises in Wisconsin and West Michigan, with significant upside potential [7] Company Strategy and Development Direction - The company remains focused on core deposit growth as a key tenet of its franchise, emphasizing a relationship-based approach in its core Midwestern markets [7][19] - Wintrust aims to continue generating loan and deposit growth in the mid to high single-digit range while maintaining a stable net interest margin [18] - The management is committed to disciplined underwriting and is cautious about taking risks that do not meet their standards [18] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the stability of net interest margin despite potential rate cuts by the Fed, citing a balanced approach to managing deposit costs [32][68] - The overall credit environment remains stable, with proactive measures in place to address any challenges [17] - Management noted a sense of measured optimism among customers as they approach year-end, indicating strong portfolio performance [17] Other Important Information - The company has consistently grown tangible book value per share every year since going public and is on track to do so again in 2025 [12] - A one-time impact from preferred stock redemption reduced fully diluted net income per common share by $0.28 in Q3, but the adjusted figure would have been $3.06 without this impact [13] Q&A Session Summary Question: Can you talk about loan growth drivers and pipelines? - Management noted a unique market positioning in Chicago, gaining market share from larger banks, with stable pipelines for C&I and CRE loans [25][29] Question: How do you feel about holding the margin in the current range with potential Fed rate cuts? - Management expressed confidence in maintaining the margin around $350, citing effective management of deposit costs and a balanced loan portfolio [32][33] Question: What is the strategy for commercial loan growth? - Management indicated that the decline in commercial loan growth was more about timing than market competition, with consistent opportunities in the pipeline [37] Question: Are there any segments or industries where you are pulling back on lending? - Management stated they are closely monitoring higher education and healthcare sectors but are not pulling back from lending in general [94] Question: How do you view the competitive landscape among banks? - Management noted that the competitive environment remains rational, with no significant changes among larger and smaller banks [110]