Core Insights - CLPS Incorporation announced a collaboration with The Bank of East Asia to conduct a Proof-of-Concept for Nibot, an advanced AI agent integrating Robotic Process Automation and Generative Artificial Intelligence [1][2] - The initiative is part of the GenA.I. Sandbox launched by the Hong Kong Monetary Authority and Hong Kong Cyberport Management Company Limited, aimed at enhancing banking operations [1][2] Company Overview - CLPS Incorporation, established in 2005 and headquartered in Hong Kong, focuses on driving digital transformation and optimizing operational efficiency through innovations in AI, cloud computing, and big data [3] - The company operates across 10 countries with strategic hubs in Shanghai, Singapore, and California, providing a robust global service network [3] Project Details - The PoC aims to explore Nibot's potential to improve efficiency, ensure regulatory compliance, and strengthen risk management in financial workflows [2] - Nibot will feature capabilities such as Intelligent Process Generation & Optimization, Automated Risk Monitoring & Feedback, and AI Interactive Verification [5] Leadership Statements - CLPS's Vice President emphasized the collaboration's goal of realizing hyper automation and optimizing financial workflows [2] - The CEO of CLPS highlighted the commitment to ongoing R&D investment to support digital and intelligent transformation [2] - The Head of Fintech Development at BEA noted the importance of reshaping banking operations through advanced AI technologies [2]

Financial Data and Key Metrics Changes - The company reported net income of $12.8 million, or $0.68 per diluted share, representing a 53% increase from Q3 2024 and a 16% increase from the linked quarter [2] - Pre-provision net revenue increased by $4.9 million, or 45% year-over-year, and by $1.9 million, or 14% sequentially [3] - Net interest income totaled $34.5 million, consistent with the linked quarter, while the net interest margin declined by six basis points to 3.58% [3] - Non-interest income increased by $3 million, or 46.2% over the linked quarter, and was consistent with Q3 2024 [5] Business Line Data and Key Metrics Changes - Non-interest income for the quarter was $9.6 million, consistent with the prior year's third quarter, despite a $494,000 decline in leasing fees [6] - The company experienced a $55.1 million decline in total loans and leases, with significant declines in commercial and agricultural loans and non-owner occupied commercial real estate [8] - Residential loans increased by $27 million, indicating a shift in loan origination focus [9] Market Data and Key Metrics Changes - Total deposits grew by $33.4 million, with a $56.4 million increase in core deposit funding during the quarter [11][12] - The loan-to-deposit ratio was 95.8%, down from the linked quarter, with expectations to reduce this further post-acquisition of Farmers Savings Bank [14] Company Strategy and Development Direction - The company completed a follow-on common stock offering, raising $80.5 million to support organic growth and investments in technology and infrastructure [4] - The merger with Farmers Savings Bank is expected to enhance liquidity and expand the customer base, with preparations for system conversion underway [4][18] - The focus remains on organic growth, deepening customer relationships, and enhancing fee income through capital investments in technology and automation [25][27] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the economic environment across their footprint, noting strong credit quality and stable credit metrics [16] - The company anticipates loan growth returning to a mid-single-digit range for Q4 and increasing into mid to high single digits in 2026 [10][34] - The effective tax rate for the quarter was 18.5%, with expectations to remain in the 16% to 16.5% range for the remainder of the year [28] Other Important Information - The company announced a quarterly dividend of $0.17 per share, consistent with the prior quarter, representing a 3.3% yield [5] - The tangible common equity ratio increased from 6.7% to 9.21% due to strong earnings and successful capital raise, with expectations of a decline post-merger [15] Q&A Session Summary Question: Margin outlook with potential rate cuts - Management anticipates a margin expansion of about five basis points in Q4, considering potential rate cuts [23] Question: Capital priorities post-Farmers acquisition - The focus will be on organic growth and increasing tangible book value, with a disciplined approach to M&A [24][25] Question: Confidence in achieving loan growth targets - Management expressed confidence due to a strong pipeline and historical loan-generating capabilities [34] Question: Fee income outlook - Anticipated fee income for Q4 is projected to be around $9.2 million, including contributions from Farmers Savings Bank [39] Question: Loan yield decline explanation - The decline was attributed to a mix shift and competitive pricing, with expectations for yield improvement as loans reprice [42][44] Question: Timing of Farmers acquisition closure - The acquisition is expected to close shortly after the shareholder meeting on November 4 [50]

Financial Data and Key Metrics Changes - The company reported net income of $12.8 million, or $0.68 per diluted share, representing a 53% increase from Q3 2024 and a 16% increase from the linked quarter [2] - Pre-provision net revenue increased by $4.9 million, or 45%, compared to Q3 2024, and by $1.9 million, or 14%, from the linked quarter [3] - Net interest income totaled $34.5 million, consistent with the linked quarter, while the net interest margin declined by 6 basis points to 3.58% [3] - Non-interest income increased by $3 million, or 46.2%, over the linked quarter, remaining consistent with Q3 2024 [6] Business Line Data and Key Metrics Changes - Non-interest income for the quarter was $9.6 million, consistent with the prior year's third quarter, despite a decline in leasing fees [7] - The company experienced a $55.1 million decline in total loans and leases, with significant declines in commercial and agricultural loans and non-owner occupied commercial real estate [9] - Residential loans increased by $27 million, indicating a shift in loan origination focus [10] Market Data and Key Metrics Changes - Total deposits grew by $33.4 million, with a $56.4 million increase in core deposit funding during the quarter [12] - The loan-to-deposit ratio was 95.8%, down from the linked quarter, with expectations to reduce this ratio further post-acquisition [15] - The securities portfolio had $44.5 million of unrealized losses, a reduction of $8.9 million since December 31, 2024 [15] Company Strategy and Development Direction - The company completed a follow-on common stock offering, raising $80.5 million to support organic growth and investments in technology and infrastructure [4] - The merger with Farmers Savings Bank is expected to enhance the company's deposit base and overall growth strategy [4][19] - The focus remains on organic growth, deepening customer relationships, and expanding digital services [26] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the economic environment across their footprint, noting strong credit quality and stable credit metrics [17] - The company anticipates loan growth returning to a mid-single-digit range for Q4 and increasing into the mid to high single digits in 2026 [11] - Management highlighted the importance of capital investments in technology and automation to improve efficiency and profitability [28] Other Important Information - The company announced a quarterly dividend of $0.17 per share, consistent with the prior quarter, representing a 3.3% yield [5] - The effective tax rate for the quarter was 18.5%, with expectations to remain in the 16%-16.5% range for the remainder of the year [29] Q&A Session Summary Question: Margin outlook with potential rate cuts - Management anticipates a margin expansion of about 5 basis points in Q4, considering potential rate cuts [24] Question: Capital priorities post-Farmers acquisition - The focus will be on organic growth and increasing tangible book value, with M&A opportunities evaluated on a disciplined basis [25][26] Question: Confidence in achieving loan growth targets - Management expressed confidence due to a strong pipeline and historical loan-generating capabilities [35] Question: Fee income outlook - Anticipated fee income for Q4 is projected to be around $9.2 million, including contributions from Farmers [40] Question: Loan yield decline explanation - The decline was attributed to a mix shift and non-recurring items from the previous quarter, with expectations for yield improvement from upcoming repricing [43][44] Question: Timing of Farmers acquisition closure - The acquisition is expected to close shortly after the shareholder meeting on November 4, likely before mid-November [52] Question: Loan competition and pricing - Competition has increased, with rates falling below 6.5%, but demand remains consistent across markets [55][57]

I N V E S T O R P R E S E N T A T I O N F I R S T Q U A R T E R F I S C A L 2 0 2 6 October 23, 2025 Forward Looking Statements & Financial Measures This presentation may include certain "forward-looking statements," which are made in good faith by Kearny Financial Corp. (the "Company") pursuant to the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties, such as statements of the Company's plans, objectives ...

Group 1 - The AI boom is perceived as a significant threat to UiPath, as AI agents may render its automation platform less relevant [1] - UiPath's stock has been declining since late 2022, with revenue growth slowing to 14% in the latest quarter, down from 47% in fiscal 2022, as enterprises shift spending towards AI [2] - Despite the threat from AI, there are reasons to believe in UiPath's potential for recovery [3] Group 2 - AI has limitations, such as non-determinism, which makes UiPath's rule-based RPA more reliable for automating critical business processes [4] - RPA can be brittle, requiring human intervention for minor changes, while AI is more adaptable [5] - UiPath's CEO stated that combining RPA with AI creates a more capable and robust solution, as customers see the value in both technologies working together [6] Group 3 - UiPath has formed multiple AI partnerships, including with OpenAI, to enhance its RPA platform, suggesting that the company can thrive alongside AI advancements [7] - The combination of AI and RPA is viewed as a winning strategy, indicating that UiPath's technology will not be replaced by AI [8]

Core Insights - CLPS Incorporation reported financial results for the fiscal year 2025, highlighting challenges due to a major client's workforce downsizing, which led to increased severance expenses and short-term pressure on net income [2][10][41] - The company is focusing on transforming challenges into opportunities by advancing strategic objectives, particularly in artificial intelligence (AI) and Robotic Process Automation (RPA), while expanding its international market presence [3][11] Financial Performance - Revenue for fiscal year 2025 increased by 15.2% to $164.5 million from $142.8 million, driven primarily by demand in IT consulting services [28][31] - Adjusted net income for fiscal year 2025 was $78.0 thousand after excluding one-time severance expenses [2] - Gross profit increased by 10.2% to $36.3 million from $32.9 million, attributed to the overall revenue growth [33] Revenue Breakdown - Revenue from IT consulting services rose by 16.0% to $158.8 million, accounting for 96.5% of total revenue [31] - Revenue generated outside of mainland China surged by 90.5% to $42.5 million, reflecting strong performance in Singapore, Hong Kong SAR, and Japan [32] - Revenue from the banking area increased by 12.1% to $64.1 million, while wealth management revenue decreased by 17.8% to $29.3 million [40] Operational Highlights - The company experienced a significant increase in revenue from international markets, with Singapore, Hong Kong SAR, and Japan showing year-over-year growth rates of 99.2%, 130.5%, and 253.2%, respectively [5][9] - The total number of clients in the IT services segment increased by 6.3% to 319 [7] Expenses and Losses - General and administrative expenses rose by 26.8% to $31.9 million, primarily due to one-time severance costs [36] - Operating loss for fiscal year 2025 was $5.4 million, compared to an operating loss of $2.5 million in the previous year [37] - Net loss attributable to shareholders was $7.0 million, or $0.26 basic and diluted losses per share [42] Future Outlook - The company anticipates total sales growth of approximately 10% to 15% for fiscal year 2026, with expected non-GAAP net income in the range of $4.4 million to $5.0 million [46]

Core Insights - UiPath Inc. (NYSE:PATH) has experienced significant stock movement, leading to cautious recommendations from analysts [1] - The company specializes in automation through robotic process automation and AI, aimed at helping organizations automate repetitive tasks [1] Analyst Ratings - BMO Capital analyst Keith Bachman raised the stock price target for UiPath from $12.50 to $13 while maintaining a Market Perform rating, citing new products and partnerships but cautioning about competitive market challenges [1] - Barclays reiterated a Hold rating on UiPath with a price target of $14, indicating a stable outlook amidst market competition [1] Market Context - There is a recognition of the potential of UiPath as an investment, but some analysts suggest that other AI stocks may offer better upside potential with less downside risk [2]

Core Insights - United States Cold Storage has implemented automated appointment scheduling using FourKites' AI agent, "Alan", to improve efficiency in managing inbound deliveries and outbound dispatches in a regulated environment [1][2] Group 1: Efficiency Improvements - Appointment scheduling was identified as a major efficiency drain, with logistics teams spending significant time on emails, calls, and portal logins to secure delivery windows [2] - During an eight-week pilot, Alan achieved an 87% success rate in booking appointments and 96% accuracy in securing requested delivery dates, compressing work that would have taken dozens of human hours into real time [3] Group 2: Technological Advancements - Alan operates continuously, processing over 150 scheduling requests simultaneously, contrasting with the sequential pace of human staff [3] - The AI agent utilizes context-aware intelligence rather than rigid scripts, adapting in real time to various workflows while maintaining audit trails and status visibility [4] Group 3: Strategic Partnership - The success of Alan builds on a long-standing relationship between US Cold Storage and FourKites, which began with shipment tracking and visibility services [5] - The deployment reflects FourKites' modular approach, starting with one use case and expanding AI capabilities across operations, indicating potential for smarter scheduling and autonomous decision-making in logistics [5]

Welcome back to NextGen Investing. It's now time for under 30 and today we are talking UIP path which has risen now almost 40% just this week so far. Joining us now is George Telis, senior markets correspondent for the network for some more factors on why why we're seeing this phenomenal jump and today is no exception as we're up another 15% today.George. >> Yeah, it's a good question Jenny. There's a there's a lot going on with UiPath.I mean first off the company is effectively a software solutions company ...

Group 1 - UiPath Inc. is a leading player in the robotic process automation (RPA) sector, known for integrating artificial intelligence (AI) into its software solutions [1][6] - The company competes with major tech firms such as Automation Anywhere and Blue Prism in the RPA market [1][6] - BMO Capital has maintained a "Market Perform" rating for UiPath, with the stock trading at $12.99 [2][4][6] Group 2 - UiPath has formed significant partnerships with AI infrastructure leaders like Nvidia, Microsoft, Snowflake, Alphabet, and OpenAI to enhance AI adoption and reduce implementation costs [3][6] - Despite a consensus price target reduction to $13, a buy rating is upheld due to strong Return on Invested Capital (ROIC) and Free Cash Flow (FCF) metrics [4] - The company's market capitalization is approximately $6.9 billion, with a trading volume of 30,991,988 shares, indicating active investor interest [5]