Financial Results 3Q25 1. 3Q25 highlights Strong net income and return on equity underpinned by resilient margins and ongoing improvements in asset quality. 3. In September, Nequi reported positive net income, marking a key milestone on its path toward sustained profitability. . Consumer loans gaining traction, providing room for 2 higher yields 4. Solid progress on share buybacks continues to enhance ROE and boost key valuation metrics. | | Loans | Deposits | NIM | | --- | --- | --- | --- | | | 0.1% Q/Q | ...

Bank of Hawaii currently trades at $64.65 per share and has shown little upside over the past six months, posting a small loss of 3.4%. The stock also fell short of the S&P 500’s 19.5% gain during that period. Is there a buying opportunity in Bank of Hawaii, or does it present a risk to your portfolio? Dive into our full research report to see our analyst team’s opinion, it’s free for active Edge members. Why Is Bank of Hawaii Not Exciting? We're cautious about Bank of Hawaii. Here are three reasons we ...

Core Viewpoint - OCBC reported stable financial results for 3Q and 9M FY2025, with notable performance in net fee and commission income, despite a decline in net interest income due to a softening interest rate environment [4][14]. Financial Performance Summary 3Q FY2024 vs. 3Q FY2025 - Net Interest Income decreased by 8.5% to S$2,226 million, attributed to a 34 basis point contraction in net interest margin from 2.18% to 1.84% [5]. - Net Fee & Commission Income increased by 34.4% to S$683 million, driven by a record wealth management income, which rose by 38.0% to S$376 million [6]. - Total Income remained stable at S$3,796 million, a slight decrease of 0.2% year-on-year [4]. - Total Expenses rose by 3.8% to S$1,519 million [4]. - Net Profit Attributable to Shareholders was S$1,978 million, reflecting a marginal increase of 0.2% [4]. 9M FY2024 vs. 9M FY2025 - Net Interest Income fell by 6.1% to S$6,854 million, with a 29 basis point decline in net interest margin from 2.22% to 1.93% [8]. - Net Fee & Commission Income surged by 24.5% to S$1,809 million, with wealth management fees reaching a new high of S$923 million [9]. - Total Income decreased by 0.5% to S$10,998 million [8]. - Total Expenses increased by 3.4% to S$4,322 million, primarily due to higher staff costs and IT-related expenses [10]. - Net Profit Attributable to Shareholders decreased by 3.8% to S$5,677 million [8]. Key Financial Ratios - Net Interest Margin decreased from 1.92% in 2Q FY2025 to 1.84% in 3Q FY2025 [11]. - Return on Equity improved from 12.3% to 13.4% [11]. - Non-Performing Loans Ratio remained stable at 0.9% [11][12]. Management Commentary and Outlook - The CEO highlighted the resilience of OCBC's diversified banking, wealth management, and insurance franchise, noting strong customer activity and growth in assets under management [13]. - The company anticipates challenges from a complex external environment but is confident in its strong balance sheet and capital position to manage risks and support future growth [14].

Core Viewpoint - United Overseas Bank Limited (UOB) reported disappointing financial results for the third quarter and the first nine months of FY2025, with significant declines in net profit attributable to shareholders due to increased allowances for credit and other losses [3][15]. Financial Performance Summary 3Q FY2024 vs. 3Q FY2025 - Net Interest Income decreased by 7.9% year-on-year to S$2,265 million, attributed to margin compression as net interest margin fell by 0.23 percentage points to 1.82% [4][5]. - Net Fee & Commission Income fell by 2.4% to S$615 million, impacted by card rewards expenses but partially offset by growth in loan-related, wealth, and card activities [4]. - Other Non-Interest Income dropped by 30.4% to S$518 million due to lower trading and investment income compared to record highs last year [4]. - Total Income declined by 11.4% to S$3,398 million, while Total Expenses decreased by 5.6% to S$1,535 million [3]. - Net Profit Attributable to Shareholders plummeted by 72.5% to S$443 million due to a significant increase in allowances for credit and other losses [5]. 9M FY2024 vs. 9M FY2025 - Net Interest Income decreased by 3.0% to S$7,009 million, reflecting a 13 basis point contraction in net interest margin to 1.91% [7]. - Net Fee & Commission Income increased by 6.4% to S$1,945 million, driven by record contributions from wealth management and loan-related fees [6]. - Other Non-Interest Income fell by 12.2% to S$1,565 million as trading and investment income normalized [7]. - Total Income decreased by 2.9% to S$10,519 million, while Total Expenses slightly decreased by 2.1% to S$4,629 million [6]. - Net Profit Attributable to Shareholders declined by 27.7% to S$3,271 million due to a 176.1% increase in allowances for credit and other losses [8]. Key Financial Ratios - Net Interest Margin decreased from 1.91% to 1.82%, reflecting the impact of falling benchmark rates [10]. - Return on Equity fell by 7.6 percentage points to 3.5%, a multi-year low, due to a significant drop in profit attributable to shareholders [11]. - Non-Performing Loans Ratio remained stable at 1.6%, despite a 7.8% increase in non-performing assets to S$5,809 million [11]. Management Outlook - The CEO emphasized the bank's resilience and commitment to enhancing provision coverage, while maintaining dividend commitments and share buyback plans [12][13]. - The bank aims to leverage its strengths and invest in growth opportunities within the ASEAN region despite global uncertainties [14].

Brian Moynihan, CEO of back-of-the-pack Bank of America, is in the hot seat today as he tries to convince shareholders and analysts that the country’s second-largest bank is at last geared for faster growth. BofA, which is hosting its first investor day in nearly 15 years, hasn’t disclosed much about what to expect at the meeting, and it didn’t respond to our request for comment. But we’re likely to hear Moynihan declare that the bank is taking on more risk and that higher returns are on the horizon. SUBS ...

ANCHORAGE, Alaska, Nov. 04, 2025 (GLOBE NEWSWIRE) -- First National Bank Alaska’s (OTCQX:FBAK) net income for the third quarter of 2025 was $21.4 million, or $6.75 per share. This compares to a net income of $18.0 million, or $5.68 per share, for the same period in 2024. “First National’s 2025 performance demonstrates strong quarterly growth in net income and continued momentum across our key performance ratios,” said First National Board Chair and CEO/President Betsy Lawer. “Teams across the bank focused o ...

Core Viewpoint - Bank of the James Financial Group, Inc. reported record quarterly results for Q3 2025, leading to a significant stock price increase and outperforming the broader market [1][14]. Earnings & Revenue Performance - The company achieved a record net income of $2.75 million for Q3 2025, a 38.3% increase from $1.99 million in Q3 2024 [2]. - Earnings per share (EPS) rose to 61 cents from 44 cents year-over-year, while EPS for the first nine months of 2025 remained flat at $1.39 compared to the same period in 2024 [2]. - Total interest income for Q3 2025 increased by 1.8% year-over-year to $11.77 million, and for the first nine months, it rose by 4.9% to $34.64 million [2]. Revenue Growth Drivers - Modest revenue growth was supported by higher loan yields and strong commercial real estate lending activity [3]. - Net interest income advanced 10.5% year-over-year to $8.30 million for Q3 2025 and 12.6% to $24.27 million for the first nine months [3]. Key Business Metrics - The net interest margin expanded by 28 basis points to 3.44% in Q3 2025 from 3.16% a year earlier [4]. - The interest spread improved to 3.15% from 2.81%, aided by reduced funding costs [4]. - Total interest expenses fell by 14.3% to $3.47 million from $4.05 million in the prior-year quarter [4]. Non-Interest Income and Expenses - Non-interest income rose by 9% year-over-year to $4.17 million, driven by gains on mortgage loan sales and wealth management fees [5]. - Non-interest expenses increased by 4.4% to $9.16 million, reflecting higher salaries and costs associated with new banking facilities [5]. Efficiency and Profitability Metrics - The efficiency ratio improved to 73.46% from 77.44%, indicating enhanced operating leverage [6]. - Return on average assets climbed to 1.07% from 0.80%, and return on equity improved to 15.24% from 12.86% [6]. Management Commentary - CEO Robert R. Chapman III attributed the record performance to a disciplined focus on fundamentals and strategic management of loan yields [7]. - The diversified revenue base supported sustainable earnings amid economic uncertainty [7]. Credit Quality and Asset Management - The allowance for credit losses declined to $6.30 million from $7.04 million, indicating robust credit quality [10]. - Non-performing loans totaled $1.90 million, representing just 0.29% of total loans, showcasing exceptional asset quality [10]. Balance Sheet Strength - Total assets reached $1.02 billion, up 4.2% since December 2024, while total deposits rose 4.2% to $919.8 million [11]. - Shareholders' equity advanced 18.7% year-to-date to $76.97 million, and book value per share rose to $16.94 from $14.28 at the end of 2024 [11]. Future Outlook - Management expressed optimism about sustaining profitability through disciplined balance sheet management and prudent credit practices [12]. - The company expects continued margin stability as rate pressures ease and loan demand remains resilient [12]. Other Developments - The bank extinguished approximately $10 million in capital notes, improving its funding profile and reducing interest expenses [13]. - A quarterly dividend of 10 cents per share was declared, payable on December 5, 2025 [13].

Core Insights - Freedom Financial Holdings reported a net income of $1,122,930 or $0.16 per diluted share for Q3 2025, marking a 40.4% increase from Q2 2025 and a 225.6% increase from Q3 2024 [1][8] - The company achieved a net interest margin of 2.66%, which is flat compared to the previous quarter but up by 34 basis points from the same period last year [1][3] - Total assets decreased to $1.03 billion, down 3.80% from the previous quarter, primarily due to a reduction in brokered funding [1][10] Financial Performance - Net interest income for Q3 2025 was $6.75 million, a decrease of 1.85% from the linked quarter but an increase of 10.66% from Q3 2024 [3][6] - Non-interest income rose to $1.42 million, reflecting an 8.47% increase from the linked quarter and a 23.40% increase from the same period in 2024, driven by higher revenue from SBIC and BOLI products [5][8] - Total revenue was $8.17 million, a decrease of 0.2% from the linked quarter but an increase of 12.69% from the same quarter last year [6][17] Asset Quality - Non-accrual loans increased to 2.3% of loans held-for-investment, up from 1.45% in the previous quarter [7][9] - Total non-performing assets were 1.65% of total assets, compared to 0.98% in the linked quarter [7][9] Capital and Liquidity - Stockholders' equity increased to $87.19 million, up from $84.12 million in the previous quarter [11] - The company maintained strong capital ratios, with a Total Capital Ratio of 15.53% and a Common Equity Tier 1 Ratio of 14.64% as of September 30, 2025 [12] Loan and Deposit Trends - Total deposits decreased by $63.2 million or 6.89% during the quarter, with a significant portion attributed to the intentional reduction in brokered CDs [1][10] - Loans held-for-investment decreased slightly by $737 thousand or 0.10% during the quarter [1][10]

Core Insights - Morris State Bancshares, Inc. reported a net income of $9.2 million for Q3 2025, a 53.43% increase from $5.9 million in Q2 2025 and a 68.98% increase from $5.4 million in Q3 2024, driven by non-recurring items that boosted non-interest income and reduced non-interest expenses [1][2][11] Financial Performance - The net interest margin (NIM) increased by 5 basis points to 4.48% in Q3 2025, compared to 4.43% in Q2 2025 and 4.10% in Q3 2024, supported by higher net interest income [2][12] - Total interest and dividend income rose to $23.8 million, a 3.23% increase from $23.1 million in Q2 2025 and a 13.44% increase from $21.0 million in Q3 2024 [10] - Non-interest income surged to $4.0 million, a 189.35% increase from $1.4 million in Q2 2025, primarily due to the COVID Employee Retention Credit and other one-time items [11] Asset and Liability Management - Total deposits decreased slightly by $5.5 million, or 0.42%, while loans increased by $18.2 million during the quarter [3][4] - The allowance for credit losses as a percentage of total loans was 1.27% as of September 30, 2025, down from 1.28% in Q2 2025 [4][12] Shareholder Equity and Dividends - Total shareholders' equity increased by 2.27% to $207.5 million as of September 30, 2025, compared to $202.9 million as of June 30, 2025 [5] - The board approved a fourth-quarter dividend of $0.12 per share, payable on or about December 10, 2025 [5] Efficiency and Credit Metrics - The efficiency ratio improved significantly to 36.96% from 50.97% in Q2 2025, reflecting enhanced income from the ERC and PAM accounting adjustments [4][12] - The adversely classified index decreased slightly to 9.39% as of September 30, 2025, from 9.51% in Q2 2025 [4][12]

Core Insights - Timberland Bancorp, Inc. reported a 20% increase in net income to $29.16 million for the fiscal year ended September 30, 2025, compared to $24.28 million for the previous year, with earnings per diluted share rising 22% to $3.67 from $3.01 [1][9] - The company achieved record results for the fiscal year, with significant year-over-year gains across all major profitability measures, and announced an 8% increase in the quarterly cash dividend to $0.28 per share [3][4] Financial Performance - For the quarter ended September 30, 2025, net income was $8.45 million, or $1.07 per diluted share, up 19% from the previous quarter and 33% from the same quarter last year [2][9] - Operating revenue for the current quarter increased 10% to $22.49 million from $20.50 million in the preceding quarter, and 15% from $19.48 million year-over-year [7] - Net interest income rose by $773,000, or 4%, to $18.40 million for the current quarter, and increased $6.03 million, or 9%, to $70.20 million for the fiscal year [8][11] Balance Sheet Highlights - Total assets surpassed $2 billion for the first time, increasing 3% from the prior quarter and 5% year-over-year [3][9] - Total deposits increased by $47 million, or 3%, to $1.72 billion, with significant growth in non-interest-bearing balances [24][9] - The non-performing assets ratio was 0.23% at September 30, 2025, up from 0.21% in the prior quarter, indicating a slight increase in credit risk [30][9] Dividend and Shareholder Returns - The Board of Directors announced an 8% increase in the quarterly cash dividend, marking the 52nd consecutive quarter of dividend payments [3][4] - Shareholders' equity increased by $5.95 million, or 2%, to $262.61 million, driven by net income and stock option exercises [28][9] Strategic Initiatives - The company plans to open a new full-service branch in University Place, enhancing its market presence and commercial banking relationships [3][4] - Timberland originated $100.09 million in loans during the quarter, a significant increase from $81.99 million in the previous quarter [22][9]