CENTENE CORPORATION 2026 GUIDANCE $7.5 $0 ($ IN BILLIONS) Medicaid $88 $34.5 $45 $4.5 Medicaid Com mercial Medicare Other Marketplace Medicare Advantage $174.6 $172.0 2026 Estimated Segment Premium & Service Revenue1 2026 Guidance Mid-point 2025 Actual Medicare PDP ($8.1) ($2.0) FEBRUARY 2026 Forward-Looking Statements All statements, other than statements of current or historical fact, contained in this presentation are forward-looking statements. Without limiting the foregoing, forward-looking statements ...

Fourth Quarter and Full Year 2025 Highlights Recent Developments COLUMBUS, Ohio, Feb. 5, 2026 /PRNewswire/ -- CF Bankshares Inc. (NASDAQ: CFBK) (the "Company"), the parent of CFBank, National Association ("CFBank"), today announced financial results for the fourth quarter and year ended December 31, 2025. On January 5, 2026, the Company's Board of Directors declared a cash dividend of $0.09 per share on its Common Stock and a corresponding cash dividend of $9.00 per share on its Series D Preferred Stock. Th ...

Comfort Systems USA, Inc. (NYSE:FIX) is included among the 12 Best HVAC Stocks to Buy Now. UBS Sees Strong Backlog Supporting Comfort Systems USA’s (FIX) Long-Term Outlook On February 2, UBS raised its price recommendation on Comfort Systems USA, Inc. (NYSE:FIX) to $1,310 from $1,140. The firm also reiterated its Buy rating on the stock. The firm expects a strong fourth-quarter performance, supported by management’s confident tone and an anticipated backlog in the $10.5B–$10.7B range. While UBS does not ...

Core Viewpoint - Prosperity Bancshares, Inc. and Southwest Bancshares, Inc. have announced the approval of a merger, with Prosperity continuing as the surviving corporation, and the merger of Texas Partners Bank into Prosperity Bank to follow [1][2]. Group 1: Merger Details - Shareholders of Southwest have approved the merger with Prosperity, which is expected to be completed on February 1, 2026, pending customary closing conditions [2]. - The merger has received approvals from the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Texas Department of Banking [1]. Group 2: Company Profiles - Prosperity Bancshares, Inc. is a regional financial holding company based in Houston, Texas, with assets of $38.330 billion as of September 30, 2025, providing a range of personal banking services and investments [3]. - Prosperity operates 301 full-service banking locations across Texas and Oklahoma, focusing on community banking and offering various financial solutions [4]. - Southwest Bancshares, Inc., founded in 2006, is the holding company for Texas Partners Bank, which has assets of $2.52 billion as of September 30, 2025, and serves Central and South Texas with a focus on community relationships [5].

Core Viewpoint - Union Bankshares, Inc. reported its financial results for the year and quarter ending December 31, 2025, showing a net income increase for the year but a slight decrease for the quarter compared to the previous year [1][7]. Financial Performance - Consolidated net income for Q4 2025 was $2.7 million, or $0.60 per share, down from $3.0 million, or $0.67 per share in Q4 2024 [1][6]. - For the full year 2025, consolidated net income was $11.1 million, or $2.43 per share, an increase of $2.3 million, or 26.5%, from $8.8 million, or $1.94 per share in 2024 [1][7]. Balance Sheet Highlights - Total assets grew to $1.62 billion as of December 31, 2025, up from $1.52 billion a year earlier, representing a growth of $88.8 million, or 5.8% [2]. - Investment securities increased to $328.3 million, a rise of $76.0 million, or 30.1%, due to strategic pre-investment decisions [2]. - Total loans increased modestly by $17.9 million, or 1.5%, with outstanding balances of $1.2 billion as of December 31, 2025 [2]. Credit Quality - The allowance for credit losses on loans rose by 9.5% to $8.4 million as of December 31, 2025, compared to $7.7 million a year prior, indicating a proactive approach to credit risk management [3]. Deposits and Borrowings - Total deposits reached $1.21 billion as of December 31, 2025, up from $1.17 billion in 2024, including $10.2 million in purchased brokered deposits [4]. - Borrowed funds from Federal Home Loan Bank advances increased to $286.5 million from $259.7 million year-over-year [4]. Stockholder Equity - Book value per share increased by 19.7% to $17.53 as of December 31, 2025, compared to $14.65 in 2024, supported by sales of common stock and a reduction in accumulated other comprehensive loss [5]. Income Statement Details - Interest income for the year was $75.8 million, an increase of $7.8 million, or 11.5%, attributed to a larger earning asset base and higher interest rates [8]. - Interest expense rose by $3.2 million, or 10.7%, to $32.8 million, primarily due to increased customer deposits and borrowed funds [9]. - Noninterest income was $11.5 million for 2025, compared to $11.0 million in 2024, with net gains from mortgage sales increasing to $2.1 million [11]. Expense Management - Noninterest expenses increased by $3.7 million, or 9.7%, to $41.7 million, driven by higher salaries, employee benefits, and other operational costs [12]. Dividend Declaration - The Board of Directors declared a cash dividend of $0.36 per share for the quarter, payable on February 5, 2026, to shareholders of record as of January 31, 2026 [13].

Core Insights - CF Bankshares Inc. has appointed John Wilgus as Senior Vice President to enhance its commercial and commercial real estate banking capabilities [1][5] - John Wilgus brings over 32 years of experience in commercial banking, particularly in commercial real estate lending and relationship management [2] - The company aims to strengthen its boutique banking model and personalized service through Wilgus's extensive experience and market knowledge [5][6] Company Overview - CF Bankshares Inc. is the parent company of CFBank, which operates as a boutique commercial bank in five major metro markets: Columbus, Cleveland, Cincinnati, Akron, and Indianapolis [6] - Since its recapitalization in 2012, CFBank has achieved a compound annual growth rate (CAGR) of 20% [6] - CFBank focuses on serving closely held businesses and entrepreneurs with a range of financial services, including commercial loans, real estate loans, and treasury management [7] Leadership and Strategy - Brad Ringwald, President of CFBank, expressed excitement about Wilgus's addition, highlighting the alignment with the bank's commitment to personalized service [5] - Tim O'Dell, President and CEO of CF Bankshares, noted that Wilgus's experience reinforces the company's strategy of attracting seasoned bankers who prioritize relationships and local decision-making [5]

Group 1 - Huntington Bancshares Inc. (NASDAQ:HBAN) is gaining attention from hedge funds as a promising investment opportunity [1][2] - Barclays raised the price target for Huntington Bancshares to $20 from $19, maintaining an Equal Weight rating, and expressed a bullish outlook for large-cap banks in 2026 [1] - RBC Capital also increased its price target for Huntington Bancshares to $20 from $19 with an Outperform rating, citing the strategic potential of recent acquisitions [2] Group 2 - Piper Sandler raised the price target for Huntington Bancshares to $16 from $15, but maintained an Underweight rating, emphasizing the bank's focus on organic growth [3] - The bank's core strategy is centered on seamless integrations and leveraging recent acquisitions to enhance future organic expansion [3] - Huntington Bancshares operates as the bank holding company for The Huntington National Bank, providing a range of banking services in the US [4]

Core Viewpoint - CF Bankshares Inc. announced a quarterly cash dividend of $0.09 per share on common stock and $9.00 per share on Series D preferred stock, marking a 13% increase from the previous dividend [1][2]. Group 1: Dividend Announcement - The Board of Directors declared a quarterly cash dividend of $0.09 per share on common stock and $9.00 per share on Series D preferred stock [1]. - The dividend represents a 13% increase over the previous quarterly dividend [1]. - The dividend is payable on January 26, 2026, to shareholders of record as of January 15, 2026 [1]. Group 2: Company Overview - CF Bankshares Inc. is the parent company of CFBank, a nationally chartered boutique commercial bank [2]. - CFBank operates primarily in five major metro markets: Columbus, Cleveland, Cincinnati, Akron in Ohio, and Indianapolis in Indiana [2]. - Since its recapitalization in 2012, CFBank has achieved a compound annual growth rate (CAGR) of 20% [2]. Group 3: Business Focus - CFBank focuses on serving the financial needs of closely held businesses and entrepreneurs through comprehensive commercial, retail, and mortgage lending services [3]. - The bank provides a range of services including commercial loans, equipment leases, real estate loans, and treasury management [3]. - CFBank differentiates itself by offering individualized service and direct access to decision-makers, matching the sophistication of larger banks without the associated bureaucracy [3].

Core Viewpoint - ServisFirst Bancshares, Inc. is set to announce its earnings and operating results for the quarter and year ending December 31, 2025, on January 20, 2026, at 4 p.m. ET [1] Group 1: Earnings Announcement - The earnings announcement will be made available on the company's website [1] - A live audio webcast to discuss the earnings and results will take place on January 20, 2026, starting at 5:15 p.m. ET [2] - A replay of the audio webcast will be accessible until January 31, 2026 [2] Group 2: Company Overview - ServisFirst Bancshares, Inc. is a bank holding company located in Birmingham, Alabama [3] - The company, through its subsidiary ServisFirst Bank, offers a range of financial services including commercial and consumer loans, deposits, electronic banking, treasury and cash management services, and correspondent banking services [3] - The bank operates in multiple states including Alabama, Florida, Georgia, North and South Carolina, Tennessee, and Virginia [3] Group 3: Regulatory Filings - ServisFirst Bancshares, Inc. files periodic reports with the U.S. Securities and Exchange Commission (SEC) [4] - Copies of the company's filings can be accessed through the SEC's website or the company's own website [4]

Core Viewpoint - Comfort Systems USA, Inc. has announced a leadership change with Trent T. McKenna being appointed as President and Chief Operating Officer effective January 1, 2026, while Brian E. Lane will remain as Chief Executive Officer [1]. Company Summary - Comfort Systems USA, Inc. is a leading provider of commercial, industrial, and institutional heating, ventilation, air conditioning, and electrical contracting services [1].