2Q25 Investor Presentation July 23, 2025 © 2025 United Community Bank | ucbi.com Disclosures CAUTIONARY STATEMENT This Investor Presentation contains "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. In general, forward-looking statements usually may be identified through use of words such as "may," "believe," "expect," "anticipate," "intend," "will," "should," "plan," "estimate," "pre ...

分组1 - BankUnited, Inc. reported quarterly earnings of $0.91 per share, exceeding the Zacks Consensus Estimate of $0.79 per share, and up from $0.72 per share a year ago, representing an earnings surprise of +15.19% [1] - The company posted revenues of $273.93 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 3.12%, compared to year-ago revenues of $250.21 million [2] - BankUnited has surpassed consensus EPS estimates four times over the last four quarters and topped consensus revenue estimates two times in the same period [2] 分组2 - The stock has added about 1.4% since the beginning of the year, underperforming the S&P 500's gain of 7.3% [3] - The current consensus EPS estimate for the coming quarter is $0.81 on revenues of $273.49 million, and for the current fiscal year, it is $3.20 on revenues of $1.07 billion [7] - The Zacks Industry Rank for Banks - Major Regional is currently in the top 11% of over 250 Zacks industries, indicating a favorable outlook for the industry [8]

来源：Wind（纵轴为7月2日至今港股行业涨幅） 今日A股冲高回落。宽基层面，上证指数微涨0.01%，报3582.30点；深证成指下跌0.37%，创业板指下 跌0.01%，科创综指上涨0.31%。沪深两市全天成交额1.86万亿，较上个交易日缩量284亿。行业层面， 今日半导体设备、芯片、金融、医疗等板块领涨，港股表现较强；前期反内卷、雅鲁藏布江工程相关板 块，如建材、基建、光伏、煤炭等领跌。 由今日市场结构可见，短期情绪偏弱。个股层面，个股跌多涨少，全市场超4000只个股下跌；风格层 面，小盘弱于大盘，成长弱于价值，双创分化明显。整体而言，市场今日风险偏好处于中性偏弱水平。 近日港股走势强劲，港股科技ETF（513020）单日上涨2.02%，近20日涨幅7.73%，与A股主要股指走势 接近，但幅度更大；港股通50ETF（159712）单日上涨1.45%，近20日上涨3.37%。 从需求角度看，近期全球/国内的半导体销售均呈现明显的增加，国内5月销售数据同比增加20.5%，费 城半导体指数持续上行，主要原因是AI芯片需求的强劲。微观层面，资料显示全球最大芯片代工厂商 台积电的二季度营收、净利润创下历史新高，净利 ...

I have been working in the logistics sector for almost two decades. I have been into stock investing and macroeconomic analysis for almost a decade. Currently, I focus on ASEAN and NYSE/NASDAQ Stocks, particularly in banks, telco, logistics, and hotels. Since 2014, I have been trading on the PH stock market. I focus on banking, telco, and retail sectors. A colleague encouraged me to engage in the stock market as part of my portfolio diversification instead of putting all my savings in banks and properties. ...

LOS ANGELES, July 23, 2025 (GLOBE NEWSWIRE) -- Dave Inc. (“Dave” or the “Company”) (Nasdaq: DAVE), one of the nation’s leading neobanks, will host a conference call on Wednesday, August 6, 2025 at 8:30 a.m. Eastern time to discuss its financial results for the second quarter ended June 30, 2025. The Company’s results will be reported in a press release on the same day, prior to the conference call. Dave management will host the conference call, followed by a question-and-answer period. The conference call d ...

跨境支付通正式上线已有一月，"跨境支付通自6月22日推出服务以来，整体运作畅顺。现时两地汇款交 易主要为个人对个人小额支付，交易宗数平稳。"香港金管局发言人向21世纪经济报道记者表示。 跨境支付通是指内地网上支付跨行清算系（IBPS）与香港快速支付系统（FPS）的连接。中国人民银行 与香港金融管理局共同推动内地与香港的快速支付系统实现互联互通，为两地居民及机构提供即时跨境 支付服务。 日前，跨境支付通香港机构正持续扩容。7月16日，本报记者曾采访并查询多家内地银行APP发现，跨 境支付通参与银行机构已从"6家香港银行+6家内地银行"扩容至"17家香港银行+6家内地银行"，基本已 覆盖市面主流的外资、中资银行。 21世纪经济报道记者 曹媛 深圳报道 众安银行方面也向记者表示，"后面会上（跨境支付通），目前以金管局发布的为准。"现时正有超过10 间机构在进行测试，它们将在完成相关预备工作后陆续加入。 几日前，一位内地居民安风（化名）便告诉记者，"尝试用招商银行跨境支付通转账到香港众安银行， 但试了好多次都不行，问了众安客服说是虽然已经在名单中了，但暂时还没有正式向客户开放跨境支付 通服务。" 值得注意的是，这也是 ...

COLDWATER, Mich., July 23, 2025 (GLOBE NEWSWIRE) -- Southern Michigan Bancorp, Inc. (OTC Pink: SOMC) announced second quarter 2025 net income of $3,238,000, or $0.70 per share, an increase of $750,000, or 30.14%, compared to net income of $2,488,000, or $0.55 per share, for the second quarter of 2024. For the first six months of 2025, Southern earned $6,284,000, or $1.36 per share, an increase of $1,118,000, or 21.64%, compared to net income of $5,166,000, or $1.14 per share, for the same six-month period o ...

Core Viewpoint - Stock Yards Bancorp, Inc. reported strong financial performance for the second quarter of 2025, driven by significant loan growth and net interest margin expansion, resulting in record earnings of $34.0 million, or $1.15 per diluted share, compared to $27.6 million, or $0.94 per diluted share, in the same quarter of 2024 [1][2]. Financial Performance - Net income for Q2 2025 was $34.0 million, an increase of $6.4 million, or 23%, from Q2 2024 [2][5]. - Net interest income rose by $11.5 million, or 18%, to $73.5 million, attributed to strong growth in average earning assets and improved yields [5][10]. - Non-interest income increased by $693,000, or 3%, to $24.3 million compared to Q2 2024 [8][9]. Loan and Deposit Growth - Total loans increased by $779 million, or 13%, year-over-year, with a $204 million, or 3%, increase from the previous quarter [6][14]. - Deposit balances expanded by $938 million, or 14%, over the past 12 months, with a notable increase in interest-bearing deposits [16][28]. Net Interest Margin and Efficiency - Net interest margin expanded by 27 basis points year-over-year to 3.53%, driven by higher yields on earning assets and lower funding costs [2][10]. - The efficiency ratio improved to 53.83% from 57.26% in Q2 2024, indicating better operational efficiency [2][33]. Credit Quality - Provision for credit losses was recorded at $2.2 million, reflecting strong loan growth and a slightly deteriorating economic forecast [7][23]. - Non-performing loans totaled $18.0 million, or 0.26% of total loans, showing a slight improvement from 0.29% a year earlier [17][35]. Capital and Shareholder Returns - The company maintained a "well-capitalized" status with a tangible common equity ratio of 8.86% as of June 30, 2025 [18][29]. - A quarterly cash dividend of $0.31 per common share was declared, reflecting a commitment to returning value to shareholders [19][20]. Future Outlook - The company anticipates continued momentum in loan production and deposit growth, with expectations for net interest margin stability despite increased competition in the second half of the year [1][4].

Core Viewpoint - United Community Banks, Inc. reported strong financial results for the second quarter of 2025, driven by margin expansion, stable credit quality, and disciplined expense control, with net income reaching $78.7 million and diluted earnings per share increasing to $0.63 [1][5]. Financial Performance - The diluted earnings per share on an operating basis was $0.66, reflecting a 14% increase from the same quarter last year, primarily due to higher net interest income and lower provision for credit losses [2][5]. - Net income for the quarter was $78.7 million, with pre-tax, pre-provision income of $112.3 million, both showing improvements from the previous quarter [1][5]. - Total revenue for the quarter was $260 million, an increase of $13 million or 5% from the first quarter [5]. Key Ratios and Metrics - Return on assets was reported at 1.11%, with an operating return on assets of 1.16% [3][8]. - Return on common equity was 8.5%, while return on tangible common equity on an operating basis was 12.3% [3][8]. - The efficiency ratio improved to 56.7% on a GAAP basis and 54.8% on an operating basis [5][8]. Asset Quality - Net charge-offs were $8.2 million, or 0.18% of average loans, which is a decrease of 3 basis points from the first quarter [4][5]. - Nonperforming assets were 30 basis points relative to total assets, improving from 33 basis points in the previous quarter [4][5]. - The provision for credit losses was $11.8 million, down $3.6 million from the first quarter, maintaining an allowance for credit losses steady at 1.21% of loans [5][8]. Growth and Strategic Initiatives - The company successfully completed the acquisition of American National Bank on May 1, contributing to loan growth of $194 million, or 4.2% annualized, excluding loans from the acquisition [4][5]. - Tangible book value per share increased by $0.42 during the quarter [4]. - Customer deposits, excluding those from the acquisition, increased by $64 million or 1.3% annualized, despite a seasonal outflow of public funds [4][5].

A wave of upgraded guidance from major U.S. companies is reshaping the outlook for the rest of 2025, and analysts are responding in kind. Strong Q2 earnings results have prompted several high-profile firms to lift their full-year forecasts, triggering a flurry of price target hikes across Wall Street. From streaming to finance to fashion, these upgrades aren't just routine adjustments—they're signaling confidence in continued momentum, even as markets remain cautious. Let’s take a look at four companies tha ...