Financial Data and Key Metrics Changes - For the full year 2025, the company generated total revenues of $266 million and AFFO of $205 million, with a cash flow from operations of approximately $200 million [4][5] - In Q4 2025, total revenues were $66.7 million, and AFFO totaled $53.3 million, or $1.88 per share, representing a 10% improvement compared to Q3 2025 AFFO of $1.71 per share [20][21] - The company raised over $145 million of attractively priced debt and preferred equity since October 2025, including a new $100 million revolving credit facility [21][22] Business Line Data and Key Metrics Changes - The company executed new leases at 4 properties totaling approximately 339,000 sq ft in 2025, reinforcing the quality of its assets [5][12] - The strategic investment in IQHQ amounted to $275 million, with $150 million funded to date, indicating a focus on diversifying the portfolio [5][18] Market Data and Key Metrics Changes - The life science sector is showing early signs of renewed momentum, with improving capital availability and increased strategic activity among large pharmaceutical companies [6][19] - The current construction pipeline for life science real estate is at its lowest level since early 2019, indicating a stabilization in the market [18][19] Company Strategy and Development Direction - The company is focused on a diversified portfolio across cannabis and life science, aiming to strengthen its platform and deliver long-term value for shareholders [7][8] - The recent executive order to reschedule cannabis to Schedule III is viewed as a significant regulatory development that could improve operator cash flows and strengthen credit profiles [9][10] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the long-term fundamentals supporting the life science sector and noted that discussions at the J.P. Morgan Healthcare Conference reinforced this conviction [6][19] - The company believes it is at an inflection point regarding previously non-performing assets and expects future quarters to reflect earnings upside from re-leasing efforts [11][12] Other Important Information - The company exited 2025 with total liquidity exceeding $105 million, including cash and availability under credit facilities [6][22] - Legal proceedings related to non-performing tenants are ongoing, with significant progress reported in receivership cases [11][12] Q&A Session Summary Question: Are cannabis operators looking to expand again, or are they looking to move up the quality spectrum with new space? - Management indicated that experienced operators are taking advantage of weaker competitors, and there are unique opportunities in the market [28][29] Question: How does the approach differ between competitive states like Massachusetts and Michigan? - Management noted that understanding the nuances of each market is crucial, and they focus on identifying successful operators [33][34] Question: Can you provide details on new rental rates for 4Front assets compared to prior rates? - Management stated that rental rates vary widely, with some deals significantly below prior rates and others close to them [41][42] Question: What is the outlook for legal costs this year? - Management indicated that legal costs are hard to estimate but are primarily related to tenant defaults and receivership processes [66][69]

Investor Presentation Q1 2026 NASDAQ: EZPW PRELIMINARY STATEMENTS FORWARD LOOKING STATEMENTS This presentation contains certain forward-looking statements. These statements are based on the company's current expectations as to the outcome and timing of future events. All statements, other than statements of historical facts, that address activities or results that the company plans, expects, believes, projects, estimates or anticipates will, should or may occur in the future are forward-looking statements. ...

Core Viewpoint - QNB Corp. reported significant growth in net income for the fourth quarter and the full year of 2025, driven by increased net interest income and a pending merger with Victory Bancorp, which is expected to enhance shareholder value and community impact [1][2][6]. Financial Performance - QNB Corp. reported a net income of $3,981,000 or $1.06 per share for Q4 2025, up from $3,051,000 or $0.83 per share in Q4 2024, representing a 30.4% increase in net income year-over-year [1]. - For the full year 2025, net income reached $14,090,000 or $3.78 per share, compared to $11,448,000 or $3.12 per share in 2024, marking a 22.7% increase [1]. - Adjusted diluted earnings per share, excluding merger-related costs, were $1.22 for Q4 2025 and $4.08 for the full year [1]. Asset and Loan Growth - Total assets as of December 31, 2025, were $1,906,005,000, an increase from $1,870,894,000 in 2024 [5]. - Loans receivable increased by $46,026,000 or 3.8% to $1,262,074,000 [5]. - Total deposits rose by $13,970,000 or 0.9% to $1,642,511,000 [5]. Interest Income and Margin - Net interest income for Q4 2025 was $14,042,000, an increase of $3,067,000 from Q4 2024 [7]. - The net interest margin improved to 2.95% in Q4 2025 from 2.38% in Q4 2024 [7]. - The yield on earning assets increased to 4.98% in Q4 2025, up from 4.78% in Q4 2024 [8]. Non-Interest Income - Total non-interest income for Q4 2025 was $1,874,000, compared to $1,645,000 in Q4 2024, reflecting a 13.9% increase [14]. - For the full year, non-interest income was $6,957,000, a slight increase from $6,913,000 in 2024 [16]. Non-Interest Expense - Total non-interest expense for Q4 2025 was $10,694,000, up from $9,081,000 in Q4 2024, with a notable increase in salaries and benefits [17][19]. - Excluding merger-related costs, non-interest expense increased by 10.9% for Q4 2025 compared to the same period in 2024 [17]. Merger with Victory Bancorp - QNB Corp. announced a definitive agreement to acquire Victory Bancorp in an all-stock transaction, expected to close in Q2 2026, creating a bank holding company with nearly $2.4 billion in assets [2]. - Post-merger, the ownership split is projected to be approximately 77.2% for QNB and 22.8% for Victory [2].

Q4 2025 Earnings Conference Call Forward-Looking Statements Certain comments in this presentation contain certain forward looking statements (as defined in the Securities Exchange Act of 1934 and the regulations thereunder). Forward looking statements are not historical facts but instead represent only the beliefs, expectations or opinions of Home Bancorp, Inc. and its management regarding future events, many of which, by their nature, are inherently uncertain. Forward looking statements may be identified b ...

Earnings Presentation 4 th Quarter & Full-Year 2025 1 © 2026 Sallie Mae Bank. All rights reserved. CAUTIONARY NOTE AND DISCLAIMER REGARDING FORWARD-LOOKING STATEMENTS The following information is current as of January 22, 2026 (unless otherwise noted) and should be read in connection with the press release of SLM Corporation announcing its financial results for the quarter and year ended December 31, 2025, furnished to the Securities and Exchange Commission ("SEC") on January 22, 2026, and subsequent report ...

Financial Performance - Full Year 2025 - Net income reached $7.0 billion, resulting in diluted earnings per share of $16.59[7] - Total revenue increased by 7% year-over-year, driven by record net interest income (NII) and noninterest income[8] - Pretax, pre-provision earnings (PPNR) increased by 15% year-over-year (non-GAAP)[8] - The company achieved 5% positive operating leverage due to well-controlled expenses[8] Balance Sheet and Credit Quality - Total loans averaged $327.9 billion, a 3% increase year-over-year[9] - Total deposits averaged $439.5 billion, a 3% increase year-over-year[9] - The net loan charge-off ratio was 0.20%[8] FirstBank Acquisition - The acquisition of FirstBank closed on January 5, 2026, with a total consideration of $4.2 billion[8, 27] - FirstBank brings $16 billion in total loans and $23 billion in total deposits[28] Outlook for 2026 - Average loans are expected to increase by approximately 8%[31] - Net interest income is projected to increase by around 14%[31] - Total revenue is forecasted to increase by about 11%[31]

Company Overview - Bio-Techne has approximately 3,100 employees and is headquartered in Minneapolis, MN[12] - The company's FY2025 revenues reached approximately $1.2 billion[13] - Bio-Techne's market capitalization is approximately $10 billion[13] Revenue Breakdown - Consumables accounted for 81% of FY2025 revenues[15] - Instrument-specific consumables represented 12% of FY2025 revenues[15] - Services contributed 9% to FY2025 revenues[15] - Royalties made up 2% of FY2025 revenues[15] Market Segmentation & Geography - Pharma/Biotech represents 51% of the market[18] - Diagnostics accounts for 16% of the market[18] - Academia comprises 20% of the market[18] - Distributors make up 13% of the market[18] - Americas account for 58% of the geographic market[18] - EMEA represents 27% of the geographic market[18] - China accounts for 8% of the geographic market[18] - APAC makes up 7% of the geographic market[18] Financial Performance - Revenue increased from $738 million in 2020 to $1.215 billion in 2025, representing approximately 10% growth[44] - Adjusted operating income increased from $246 million in 2020 to $384 million in 2025, representing approximately 9% growth[44] Market Opportunity - The company is addressing a $27 billion market growing at a high-single-digit rate[48] - The market for Discovery of Novel Biological Insights is $14 billion with high-single-digit growth[40] - The market for Development and Manufacturing of Advanced Therapeutics is $5 billion with approximately 20% growth[40] - The market for Enablement of Precision Dx is $8 billion with mid-single-digit growth[40]

Core Insights - Smithfield Foods is a leading American food company with over $15 billion in annual sales, focusing on profitable growth through its Packaged Meats business, which generates more than $1 billion annually in segment profit [3]. Company Overview - The company has a strong balance sheet and cash flow, allowing it to consistently return cash to shareholders in the form of dividends [3]. - Smithfield Foods emphasizes the importance of its investments in driving business growth [3]. Financial Information - The CFO mentioned that the presentation may include forward-looking statements and non-GAAP financial information, with reconciliations available in the investor presentation appendix on the Smithfield IR website [2].

IN REVIEWING THE INFORMATION CONTAINED IN THIS PRESENTATION, YOU ARE AGREEING TO ABIDE BY THE TERMS OF THIS DISCLAIMER. THIS INFORMATION IS BEING MADE AVAILABLE TO EACH RECIPIENT SOLELY FOR ITS INFORMATION AND IS SUBJECT TO AMENDMENT. This presentation is prepared by XP Inc. (the "Company," "we" or "our"), is solely for informational purposes. This presentation does not constitute a prospectus and does not constitute an offer to sell or the solicitation of an offer to buy any securities. In addition, this d ...

FOURTH QUARTER AND FULL YEAR FISCAL 2025 EARNINGS NOVEMBER 2025 PRELIMINARY STATEMENTS NASDAQ: EZPW FORWARD LOOKING STATEMENTS This presentation contains certain forward-looking statements. These statements are based on the company's current expectations as to the outcome and timing of future events. All statements, other than statements of historical facts, that address activities or results that the company plans, expects, believes, projects, estimates or anticipates will, should or may occur in the futur ...