This funding will support a wide range of essential services and resources in the community.CHATTANOOGA, Tenn., Aug. 20, 2025 /PRNewswire/ -- First Horizon Foundation announced today a $25,000 donation to the American Red Cross of Southeast Tennessee to support relief efforts in Chattanooga. The funds will directly benefit the community by helping to provide with essential services and critical resources. "Nothing is more important than meeting the challenges our communities face. Stepping in to support the ...

Group 1: Stock Recommendations - Quad Graphics (QUAD) has seen a 7.9% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days and offers print and multichannel solutions [1] - Citizens Financial Services (CZFS) has experienced a 5.5% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days and has a dividend yield of 3.7%, above the industry average of 2.7% [2] - Farmers & Merchants Bancorp (FMAO) has reported a 6.6% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days and has a dividend yield of 3.6%, also above the industry average of 2.7% [3] Group 2: Industry Insights - The average dividend yield for the industry is notably low at 0.0% for print and related solutions, while the banking sector shows an average of 2.7% [2][3]

Core Viewpoint - Union Bankshares, Inc. reported positive financial results for the second quarter and first half of 2025, showing growth in net income, total assets, and loans, while also declaring a quarterly cash dividend [1][6][10]. Financial Performance - Consolidated net income for Q2 2025 was $2.4 million, or $0.53 per share, up from $2.0 million, or $0.45 per share in Q2 2024, marking an increase of 18.6% [1][6] - For the first half of 2025, net income was $4.9 million, or $1.08 per share, compared to $4.4 million, or $0.98 per share in the same period of 2024 [1] Balance Sheet Highlights - Total assets increased to $1.48 billion as of June 30, 2025, up $81.9 million, or 5.9% from $1.40 billion a year earlier [2] - Total loans grew by $99.8 million, or 9.8%, reaching $1.11 billion, including $9.0 million in loans held for sale [2] - Total deposits rose to $1.10 billion, compared to $1.05 billion a year prior [4] Income Statement Insights - Interest income for Q2 2025 was $18.7 million, an increase of $2.2 million, or 13.1%, from $16.5 million in Q2 2024 [6] - Interest expense also increased by $1.2 million, or 17.1%, to $8.3 million for Q2 2025 [6] - Net interest income rose by $962 thousand, or 10.1%, reflecting the changes in interest income and expense [6] Credit Quality - Credit loss expense for Q2 2025 was $221 thousand, down from $388 thousand in Q2 2024, indicating improved credit quality [7] Dividend Declaration - The Board of Directors declared a cash dividend of $0.36 per share, payable on August 7, 2025, to shareholders of record as of July 26, 2025 [10] Company Overview - Union Bankshares, Inc. is a bank holding company providing a range of banking services in northern Vermont and New Hampshire, operating 18 banking offices and three loan centers [11]

Financial Performance - Operating net income available to common shareholders reached a record of $1006 million, or $055 per diluted share[9] - GAAP reported net income available to common shareholders was $966 million in 2Q25, compared to $904 million in 1Q25[7] - Return on Average Assets (annualized) increased from 118% in 1Q25 to 125% in 2Q25[7] - The efficiency ratio increased slightly from 567% to 571%[7] Income Statement - Net interest income increased by $3734 thousand from $251187 thousand in 1Q25 to $254921 thousand in 2Q25[10] - Non-interest income before investment securities gains (losses) increased by $1914 thousand from $67234 thousand to $69148 thousand[10] - Non-interest expense increased by $3351 thousand from $189460 thousand to $192811 thousand[10] Net Interest Margin and Cost of Funds - Net Interest Margin (NIM) was 347% in 2Q25, a 4 basis points increase compared to 1Q25[19] - Total cost of deposits decreased by 5 basis points to 198% in 2Q25[19] Loan and Deposit Portfolio - Office loans represent 3% of the total loan portfolio[49] - Multi-Family loans represent 8% of the total loan portfolio[55] - The average deposit account balance is $30099, with approximately 881632 deposit accounts[42] - Net estimated uninsured deposits represent 24% of total deposits[42, 61]

Core Viewpoint - Eagle Bancorp, Inc. will host a teleconference on July 24, 2025, to discuss its second quarter 2025 financial results, which will be released on July 23, 2025 [1] Group 1: Teleconference Details - The teleconference will feature CEO Susan Riel and CFO Eric Newell discussing the earnings [1] - Interested parties must register to participate, receiving a dial-in number and unique PIN [2] - The call will also be available via live webcast on the company's website, with a replay accessible until August 7, 2025 [2] Group 2: Company Overview - Eagle Bancorp, Inc. is the holding company for EagleBank, which began operations in 1998 [4] - The bank is headquartered in Bethesda, Maryland, and operates 12 offices in Suburban Maryland, Washington, D.C., and Northern Virginia [4] - EagleBank focuses on building relationships with businesses, professionals, and individuals in its marketplace [4]

Market Overview - The U.S. stock market has rebounded from April lows, ending the first half of the year positively, aided by a strong June jobs report and easing tariff concerns [1] - Despite the recovery, caution persists due to unresolved trade tensions and uncertainty regarding the Federal Reserve's interest rate decisions [1] Investment Strategy - In an unpredictable market, value investing is recommended, focusing on undervalued stocks with strong fundamentals for stability and long-term gains [2] - Investing in solid businesses trading at fair or discounted prices is suggested over chasing volatile, hype-driven stocks [2] Value Stocks - Notable value stocks with high earnings yield include Fresenius Medical Care AG & Co (FMS), Eldorado Gold (EGO), Hope Bancorp Inc. (HOPE), and Heritage Insurance Holdings, Inc. (HRTG) [3][9] - These stocks have earnings yields above 10% and strong growth forecasts, making them attractive for value-focused investors [9] Earnings Yield Metric - Earnings yield is calculated as (Annual Earnings per Share/Market Price) x 100, indicating the anticipated return from earnings for each dollar invested [4] - A higher earnings yield suggests a stock is underpriced compared to its peers, while a lower yield indicates it may be overpriced [4] Comparison with Treasury Yield - Earnings yield can be compared with the 10-year Treasury yield to assess the relative attractiveness of stocks versus bonds [5] - When the market index yield exceeds the 10-year Treasury yield, stocks may be considered undervalued, making them a better option for value investors [5] Stock Screening Criteria - A primary screening criterion is an earnings yield greater than 10%, supplemented by estimated EPS growth and average daily trading volume [6][7] - Stocks should also have a current price of at least $5 to ensure adequate liquidity [8] Stock Performance and Growth Estimates - Fresenius Medical Care is projected to have year-over-year earnings growth of 33% and 12% for 2025 and 2026, respectively, with upward revisions in EPS estimates [10] - Eldorado Gold anticipates earnings growth of 10% and 55% for the same years, also showing upward revisions in EPS estimates [11] - Hope Bancorp expects year-over-year growth of 12% and 40%, with recent upward revisions in EPS estimates [12] - Heritage Insurance forecasts significant growth of 62% and 13% for 2025 and 2026, respectively, with substantial upward revisions in EPS estimates [13]

Core Insights - The article emphasizes the importance of efficiency ratios in evaluating a company's potential for profitability and stock performance [1] Efficiency Ratios - **Receivables Turnover**: This ratio measures a company's ability to extend credit and collect debts, with a high ratio indicating effective collection practices and quality customers [2] - **Asset Utilization**: This ratio assesses how well a company converts its assets into sales, with higher values suggesting greater efficiency [3] - **Inventory Turnover**: This ratio indicates a company's ability to manage inventory relative to its cost of goods sold, where a high value reflects efficient inventory management [4] - **Operating Margin**: This ratio measures the efficiency of a company in controlling operating expenses, with higher values indicating better expense management compared to peers [5] Screening Criteria - The screening process identified stocks with efficiency ratios above industry averages, narrowing down from over 7,906 stocks to eight candidates [7] - A favorable Zacks Rank of 1 (Strong Buy) was also included in the screening criteria to enhance profitability [6] Selected Stocks - **Quad Graphics (QUAD)**: Specializes in print and multichannel solutions, with an average four-quarter earnings surprise of 71.8% [7] - **ONESPAN (OSPN)**: Develops security software and e-signature solutions, achieving an average four-quarter earnings surprise of 38.6% [8] - **ChampionX (CHX)**: Provides chemistry solutions and technologies for oil and gas production, with an average four-quarter earnings surprise of 9% [9] - **BancFirst (BANF)**: A bank holding company offering commercial banking services, with an average four-quarter earnings surprise of 7% [10]