Summary of Key Points Core Viewpoint - Festi has executed a buyback program, purchasing a total of 165,000 own shares for 49,305,000 ISK in week 34 of 2025, in compliance with relevant regulations [1][2]. Group 1: Buyback Program Details - The total number of shares purchased by Festi now amounts to 1,315,000, with a total expenditure of 393,075,000 ISK [2]. - Following the recent purchases, Festi holds 1,561,226 own shares, representing 0.5% of the issued shares [2]. - The buyback program was initially announced on June 27, 2025, and aims to repurchase a total of 2,500,000 own shares, which is 0.80% of the issued shares, with a maximum purchase price of 800 million ISK [2]. Group 2: Compliance and Regulations - The execution of the buyback program adheres to the Act on Public Limited Companies No 2/1995 and the Regulation of the European Parliament and of the Council No. 596/2014 concerning market abuse [1]. - Additional compliance is ensured with the Commissions Delegated Regulation No. 2016/1052 and the Act on Actions against Market Fraud No. 60/2021 [1].

Summary of Key Points Core Viewpoint - Festi has actively engaged in a share buyback program, purchasing a total of 170,000 own shares for 50,990,000 ISK in week 33 of 2025, which aligns with their previously announced buyback strategy [1][2]. Group 1: Share Buyback Details - In week 33 of 2025, Festi purchased 170,000 shares at an average price of approximately 299.35 ISK per share, totaling 50,990,000 ISK [1]. - The buyback program is in compliance with relevant regulations, including the Act on Public Limited Companies and the Regulation of the European Parliament on market abuse [1]. - Prior to this purchase, Festi held 1,226,226 shares, representing 0.39% of issued shares, and after the buyback, the total shares held increased to 1,396,226, or 0.45% of issued shares [2]. Group 2: Buyback Program Overview - The buyback program, announced on June 27, 2025, aims to repurchase a total of 2,500,000 shares, which is 0.80% of the issued shares, with a maximum purchase price cap of 800 million ISK [2]. - To date, Festi has repurchased a total of 1,150,000 shares for 343,770,000 ISK under this program [2].

Core Points - The company reported a net income of $1.63 million for the quarter ended June 30, 2025, which is a decrease of 12% from the previous quarter and 17% from the same quarter last year [1][5][6] - The net interest margin for the quarter was 2.94%, down eight basis points from the previous quarter but up 20 basis points from the same quarter last year [1][7] - Total loans held for investment were $1.05 billion, down 1% from the previous year, while total deposits remained virtually unchanged at $888.8 million [1][13] - The non-performing assets to total assets ratio improved to 0.11% from 0.20% year-over-year, indicating better asset quality [1][18] Financial Performance - Net income for the fiscal year ended June 30, 2025, decreased by $1.09 million, or 15%, to $6.26 million compared to $7.35 million in the previous year [6] - Diluted earnings per share for the fiscal year were $0.93, down 12% from $1.06 in the previous year [6] - Non-interest income decreased by $587,000, or 40%, to $880,000 in the fourth quarter, primarily due to the absence of a prior year's unrealized gain [21] - Non-interest expense increased by $448,000, or 6%, to $7.62 million, driven by higher salaries and employee benefits [22][23] Asset Quality and Credit Performance - The allowance for credit losses on loans held for investment was $6.4 million, or 0.62% of gross loans, down from $7.1 million, or 0.67%, the previous year [20] - Non-performing assets decreased by $1.2 million, or 46%, to $1.4 million, with no loans 90 days or more past due [18] - The company recorded a recovery of credit losses totaling $164,000 in the fourth quarter, compared to a recovery of $12,000 in the same quarter last year [17] Operational Highlights - The company has seen a stabilization in deposit balances and a decline in borrowings for three consecutive quarters [3] - The average yield on interest-earning assets increased to 4.67%, while average funding costs decreased to 1.91% [7] - The efficiency ratio for the fourth quarter was 78.06%, reflecting higher operating costs relative to revenue generation [24] Shareholder Returns - The company repurchased 76,104 shares at an average cost of $15.00 per share during the quarter, with a total of 217,028 shares remaining available for future purchase [26]

Core Points - Festi has executed a buyback program, purchasing a total of 170,000 own shares for 50,890,000 ISK in week 29 of 2025 [1] - Prior to the recent purchases, Festi held 561,226 own shares, representing 0.18% of issued shares, and after the buyback, it now holds 731,226 own shares, or 0.23% of issued shares [2] - The buyback program aims to repurchase a total of 2,500,000 own shares, which is 0.80% of the issued shares, with a maximum purchase price of 800 million ISK [2] Purchase Details - The buyback included three transactions: - 50,000 shares at a price of 297 ISK on July 14, 2025, totaling 14,850,000 ISK - 70,000 shares at a price of 297 ISK on July 16, 2025, totaling 20,790,000 ISK - 50,000 shares at a price of 305 ISK on July 17, 2025, totaling 15,250,000 ISK [1] - The total number of shares purchased during this buyback program is 485,000, amounting to 142,165,000 ISK [2]

Core Viewpoint - Festi has executed a buyback program, purchasing a total of 165,000 own shares for 47,025,000 ISK, increasing its ownership from 0.08% to 0.13% of issued shares [1][2]. Group 1: Buyback Program Details - The buyback program was announced on June 27, 2025, and aims to repurchase a total of 2,500,000 own shares, representing 0.80% of the issued shares, with a maximum purchase price of 800 million ISK [2]. - The shares were purchased at a consistent price of 285 ISK per share across multiple transactions [1]. Group 2: Compliance and Regulations - The execution of the buyback program complies with the Act on Public Limited Companies No 2/1995 and relevant European regulations regarding market abuse and fraud [1].