Registration No. 333-290834 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 5 to FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Public Policy Holding Company, Inc. (Exact Name of Registrant as Specified in its Charter) (Primary Standard Industrial Delaware 8742 87-3557229 (I.R.S. Employer Identification Number) 800 North Capitol St. NW, Suite 800 Washington, D.C. 20002 (202) 688–0020 As filed with the Securities and Exchange Commission on January 23, 2 ...

EARNINGS PRESENTATION FOURTH QUARTER 2025 NASDAQ: USCB 1 FORWARD-LOOKING STATEMENTS This presentation may contain statements that are not historical in nature and are intended to be, and are hereby identified as, forward-looking statements for purposes of the safe harbor provided by Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are those that are not historical facts. The words "may," "will," "anticipate," "could," " should," "would," "believe," "contemplate," "e ...

RED BANK, N.J., Jan. 22, 2026 (GLOBE NEWSWIRE) -- OceanFirst Financial Corp. (NASDAQ:“OCFC”) (the “Company”), the holding company for OceanFirst Bank N.A. (the “Bank”), announced net income available to common stockholders of $13.1 million, or $0.23 per diluted share, for the quarter ended December 31, 2025, a decrease from $20.9 million, or $0.36 per diluted share, for the corresponding prior year period, and $17.3 million, or $0.30 per diluted share, for the linked quarter. For the year ended December 31, ...

Adjusted 4th quarter earnings increased 62% year over year due to sustained balance‑sheet growth, NIM expansion and positive operating leverage. Announced strategic merger to expand market presence and enhance long‑term growth opportunities. SAN JOSE, Calif., Jan. 22, 2026 (GLOBE NEWSWIRE) -- Heritage Commerce Corp (Nasdaq: HTBK), (the “Company”), the holding company for Heritage Bank of Commerce (the “Bank”) today announced its financial results for the fourth quarter and year ended December 31, 2025. All ...

INDIANA, Pa., Jan. 22, 2026 /PRNewswire/ -- S&T Bancorp, Inc. (S&T) (NASDAQ: STBA), the holding company for S&T Bank, announced fourth quarter and full year 2025 earnings. Net income of $34.0 million, or $0.89 per diluted share, for the fourth quarter of 2025 compared to net income of $35.0 million, or $0.91 per diluted share, for the third quarter of 2025 and net income of $33.1 million, or $0.86 per diluted share, for the fourth quarter of 2024. Net income was $134.2 million for the full year 2025 compare ...

MOUNTLAKE TERRACE, Wash., Jan. 21, 2026 (GLOBE NEWSWIRE) -- FS Bancorp, Inc. (NASDAQ: FSBW) (the “Company”), the holding company for 1st Security Bank of Washington (the “Bank”), today reported net income of $8.4 million, or $1.10 per diluted share for the quarter ended December 31, 2025, compared to $7.4 million, or $0.92 per diluted share, for the comparable quarter one year ago. Net income for 2025 was $33.3 million, or $4.29 per diluted share, compared to $35.0 million, or $4.36 per diluted share, for 2 ...

4Q25 Financial Results January 21, 2026 Forward-looking statements and use of non-GAAP financial measures This document, contains forward-looking statements within the nearing of the Private Securities Libration Reform Act of 1995. Any statement Ltatchical or current tractis i lobving statement. These statements often include the words "believes," "extimates, "intendes, "intends," "plans," "pans," "argets, " intitatives, " probably, "projects, "o l"guidance" or similar expressions or future conditional verb ...

Progress Financial Results Q4 2025 Supplemental Information January 20, 2026 Forward Looking Statements This presentation contains statements that are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Progress has identified some of these forward-looking statements with words like "believe," "may," "could," "would," "might," "should," "expect," "intend," "plan," "target," "anticipate" ...

1 KNOXVILLE, Tenn.--(BUSINESS WIRE)--SmartFinancial, Inc. ("SmartFinancial" or the "Company"; NYSE: SMBK), today announced net income of $13.7 million, or $0.81 per diluted common share, for the fourth quarter of 2025, compared to net income of $9.6 million, or $0.57 per diluted common share, for the fourth quarter of 2024, and compared to prior quarter net income of $13.7 million, or $0.81 per diluted common share. Operating earnings, which excludes non-recurring income and expenses, net of tax adjustments ...

Total Assets Crossed $50 billion with Multiple Records for Full Year 2025, Including Total Revenue of $1.8 billion, Non-Interest Income of $369 million, EPS of $1.56 and Capital Levels with the Common Equity Tier 1 at 11.4% (estimate) and Tangible Book Value Per Common Share (non-GAAP) Year-over-Year Growth of 13% (All comparisons refer to the fourth quarter of 2024, except as noted) Average loans and leases totaled $35.0 billion, an increase of $1.2 billion, or 3.4%, driven by consumer loan growth of $1.2 ...