Core Insights - AtlasClear Holdings reported an 84% year-over-year revenue growth, indicating strong operational momentum [3][8] - The company achieved positive stockholders' equity of $21.7 million, a significant improvement of approximately $60 million compared to fiscal year-end 2024 [3][5] - Liquidity was bolstered with $46.2 million in cash and restricted cash, enhancing financial flexibility [3][8] Financial Performance - Revenue for the fiscal second quarter 2026 reached $5.1 million, up from $2.7 million in the prior-year quarter [8] - Net income totaled $6.8 million, driven by operational growth and non-cash fair value adjustments [8] - Total assets increased to $77.6 million, compared to $60.9 million as of June 30, 2025 [9] Operational Highlights - The revenue growth was primarily driven by increased commission activity and expanded services, reflecting higher client engagement [6][8] - Expenses rose in line with revenue growth, attributed to higher variable compensation and costs associated with expanded services [7] Strategic Initiatives - AtlasClear continued to expand its correspondent clearing relationships and ancillary clearing offerings during the quarter [11] - The company is in the process of acquiring Commercial Bancorp of Wyoming, pending regulatory approvals [11]

Core Insights - AtlasClear Holdings, Inc. reported an 84% year-over-year revenue increase, reaching $5.1 million compared to $2.7 million in the prior-year quarter, indicating strong operational momentum [6][2] - The company achieved positive stockholders' equity of $21.7 million, an improvement of approximately $60 million since fiscal year-end 2024, reflecting disciplined capital actions and operational progress [6][2] - Liquidity was strengthened with total cash and restricted cash amounting to $46.2 million, enhancing financial flexibility [6][11] Financial Performance - Net income for the quarter totaled $6.8 million, primarily driven by operating growth and non-cash fair value adjustments [6] - Revenue growth was primarily driven by increased commission activity, expanded stock locate and fully paid lending services, and Wilson-Davis serving as a selling agent in at-the-market offerings [3][6] - Expenses increased in line with revenue growth, reflecting higher variable compensation, clearing and data processing costs, and stock-based compensation related to new executive employment agreements [4] Liquidity and Capital Resources - The company completed a $20 million financing during the quarter, consisting of a $10 million secured convertible note and a $10 million equity unit offering, which management believes provides sufficient liquidity for at least the next twelve months [7] - Wilson-Davis & Co., Inc. ended the quarter with net capital of $14.7 million, exceeding regulatory requirements by $14.4 million [6] Strategic Progress - AtlasClear continued to expand correspondent clearing relationships, stock loan and margin-related services, and ancillary clearing offerings during the quarter [8] - The development of the AtlasClear technology platform is ongoing, alongside progress toward the proposed acquisition of Commercial Bancorp of Wyoming, subject to regulatory approvals [8]

Core Insights - Robinhood Markets reported significant growth in Q4 2025, with total net revenues reaching $1.28 billion, a 27% increase from Q4 2024, despite challenges in cryptocurrency trading [2][3] - The company is evolving into a broader financial services provider, achieving record figures in revenue, user engagement, and asset management [1] Financial Performance - Transaction-based revenues increased by 15% to $776 million, with options trading up 41% to $314 million and equities up 54% to $94 million, while cryptocurrency revenues fell 38% to $221 million [2] - Net interest revenues rose 39% to $411 million, and net income was $605 million, with diluted EPS at $0.66, down from $1.01 the previous year but above analyst expectations [3] - For the full year, net revenues surged 52% to $4.5 billion, and net income increased by 33% to $1.9 billion, resulting in an EPS of $2.05 [3] User Metrics - Funded customers reached 27 million, a 7% year-over-year increase, and Robinhood Gold subscribers grew by 58% to 4.2 million [4] - Assets under custody increased by 68% to $324 billion, driven by record net deposits of $68.1 billion over the past year [4] Product Innovations - The company launched prediction markets with 12 billion event contracts traded in 2025 and expanded retirement accounts, banking services, and international offerings [5] - Executives expressed optimism about the future, aiming to create a comprehensive "Financial SuperApp" [6] Market Response - Despite strong financial results, Robinhood's stock fell approximately 8% in after-hours trading due to revenues falling short of Wall Street's expectations [7] - Analysts noted concerns over decelerating growth rates and a decline in monthly active users amid a slowdown in the crypto market [7] Analyst Outlook - Analysts remain generally bullish on Robinhood's prospects, with a consensus price target between $123 and $146, indicating potential upside of 50% to 70% [8] - Higher-end forecasts reach $180, driven by opportunities in prediction markets and international expansion, with most ratings leaning towards "Buy" [9]

Core Viewpoint - SoFi Technologies has shown strong performance with significant revenue growth and profitability, leading to an optimistic outlook despite recent stock price fluctuations [2][5]. Financial Performance - SoFi achieved its first $1 billion revenue quarter in Q4 2025, indicating a milestone in its financial growth [2][5]. - The company projects a 30% year-over-year revenue growth and a 52% increase in Adjusted EBITDA for 2026, reflecting a positive financial outlook [2][5]. Stock Performance - SoFi's current stock price is $20.86, with a recent increase of $1.40 or approximately 7.19% [4][5]. - Over the past year, the stock has fluctuated between a high of $32.73 and a low of $8.60, with a market capitalization of approximately $26.29 billion [4]. Strategic Focus - The company is focusing on expanding margins and transitioning towards capital-light, fee-based revenues, which is expected to enhance profitability [3][5]. - SoFi's loan platform is performing well, consistently selling tranches above par, and its cross-selling efforts have reached 40%, supporting durable and diversified growth [3][5].

Core Insights - IDFC First Bank's net profit for Q3 FY26 increased by 48% year-on-year, reaching Rs 503 crore compared to Rs 339 crore in the same quarter last year [1][6] - The bank's Net Interest Income (NII) rose by 12% to Rs 5,492 crore from Rs 4,902 crore [1][6] - Operating profit saw a 15.6% increase, amounting to Rs 2,003 crore, up from Rs 1,759 crore [1][6] Asset Quality - Gross non-performing assets (NPA) decreased to 1.69% from 1.86% sequentially [1][6] - Net NPA experienced a slight increase to 0.53% from 0.52% in the previous quarter [1][6] Provisions - Provisions fell by 12% to Rs 1,398 crore compared to Rs 1,452 crore in the same period last year [2] Market Performance - IDFC First Bank's share price closed 48% higher at Rs 83.58 on NSE, contrasting with a 0.39% decrease in the Nifty index [4]

INVESTOR PRESENTATION 4Q 2025 NASDAQ: ALRS DISCLAIMERS Forward-Looking Statements This presentation contains "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future performance of Alerus Financial Corporation. These statements are often, but not always, ...

Core Insights - Central Pacific Financial (CPF) reported quarterly earnings of $0.85 per share, exceeding the Zacks Consensus Estimate of $0.73 per share, and showing an increase from $0.70 per share a year ago, resulting in an earnings surprise of +16.44% [1] - The company achieved revenues of $76.29 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 1.18% and up from $58.4 million year-over-year [2] Earnings Performance - Over the last four quarters, Central Pacific Financial has surpassed consensus EPS estimates two times and topped consensus revenue estimates four times [2] - The current consensus EPS estimate for the upcoming quarter is $0.68 on revenues of $74.55 million, while for the current fiscal year, it is $3.13 on revenues of $308.2 million [7] Market Position - Central Pacific Financial shares have increased by approximately 1.7% since the beginning of the year, compared to the S&P 500's gain of 1.9% [3] - The Zacks Industry Rank for Banks - West, to which Central Pacific Financial belongs, is currently in the top 28% of over 250 Zacks industries, indicating a favorable industry outlook [8] Future Outlook - The sustainability of the stock's price movement will depend on management's commentary during the earnings call and the trends in earnings estimate revisions [3][4] - The estimate revisions trend for Central Pacific Financial was mixed prior to the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, suggesting it is expected to perform in line with the market in the near future [6]

Core Viewpoint - Central Pacific Financial Corp. reported a significant increase in net income and earnings per share (EPS) for the fourth quarter of 2025 compared to both the previous quarter and the same quarter last year [1] Financial Performance - The company achieved a net income of $22.9 million for Q4 2025, which is an increase from $18.6 million in Q3 2025 and $11.3 million in Q4 2024 [1] - The EPS for Q4 2025 was $0.85, up from $0.69 in the prior quarter and $0.42 in the same quarter last year [1] - For the entire year of 2025, the company reported a net income of $77.5 million and an EPS of $2.86 [1]

Q4 2025 EARNINGS INVESTOR PRESENTATION January 27, 2026 Additional information concerning Busey and its business, including additional factors that could materially affect Busey's financial results, is included in Busey's filings with the Securities and Exchange Commission. 4Q25 Earnings Investor Presentation First Busey Corporation | Ticker: BUSE 2 Forward-Looking Statements This presentation may contain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 ...

Financial Data and Key Metrics Changes - The company reported a GAAP earnings per share of $1.03 for Q4 2025, an increase of 9 cents or 9.6% year-over-year, but a decrease of 1 cent or 1% from the previous quarter [11] - Operating earnings per share reached $1.12 in Q4, compared to $1 in the same quarter last year and $1.09 in the linked third quarter [11] - Total operating revenues for Q4 were $215.6 million, marking a 10% increase year-over-year and a 4.2% increase from the previous quarter [12][15] - The company's net interest income was $133.4 million in Q4, representing an 11.2% improvement year-over-year [13] Business Line Data and Key Metrics Changes - The employee benefit services business saw a 10% quarter-over-quarter growth in pre-tax income, although full-year performance was in the low single digits [4][8] - Insurance services achieved top-line growth of 8% and operating income growth of 42% [7] - Wealth management services experienced a 15% growth in operating pre-tax income, despite some revenue impacts from realignment of producers [7] Market Data and Key Metrics Changes - The banking business benefited from mid-single-digit asset growth and a 22% increase in operating income for the full year [5] - Loan growth was reported at 5%, which is favorable compared to industry peers, despite over $300 million in elevated paydowns in the commercial business [6] - Total deposits increased by 7% year-over-year, driven by the acquisition of deposits from the Santander branch [19] Company Strategy and Development Direction - The company is focusing on expense management and leveraging investments in AI and automation for future growth [8] - A significant acquisition of ClearPoint Federal Bank & Trust is expected to enhance the company's wealth management offerings and is anticipated to close in Q2 2026 [20] - The company aims for continued growth in diversified revenue streams, with specific targets for loan and deposit growth in 2026 [21][22] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's liquidity and asset quality, which provides a solid foundation for continued earnings growth [20] - For 2026, the company expects loan balances to grow by 3.5%–6% and net interest income to increase by 8%–12% [21][22] - The management acknowledged challenges such as increased New York State income taxes impacting the tax rate [8] Other Important Information - The company has saved over 200,000 hours through automation efforts, allowing for flat headcount while growing the business [9] - The allowance for credit losses was $87.9 million, representing 80 basis points of total loans outstanding at the end of Q4 [19] Q&A Session Summary Question: Loan pricing and growth drivers for 2026 - Management noted that loan originations were in the low sixes and expect a trend towards lower pricing, but fixed asset repricing will benefit the company [29] Question: Non-interest income growth guidance - Non-interest income is expected to grow by 4%–8% in 2026 [32] Question: Employee benefit services growth trajectory - Management indicated that retirement services grew in high single digits, while institutional trust was flat, with expectations for mid to high single-digit growth in 2026 [36] Question: Fee income ratio and ROTCE implications - Management expressed uncertainty about the future fee income ratio but emphasized ongoing investments in core businesses to enhance returns [41][44] Question: ClearPoint transaction and its market - ClearPoint operates in the death care industry, providing trust and insurance services, and is expected to enhance the company's offerings significantly [50][54] Question: NIM expansion expectations - Management guided for a 2-4 basis points expansion in NIM for Q1, with ongoing efforts in loan and deposit growth contributing to this [62]