The perceived product relevance gap between consumers and regional and community financial institutions continues to widen To learn more about Alkami's Digital Banking Platform, visit here. Alkami has been certified by J.D. Power in 2024 and 2025 for providing "An Outstanding Mobile Banking Platform Experience."1 About Alkami Alkami Technology, Inc. is a leading cloud-based digital banking solutions provider for financial institutions in the United States that enables clients to grow confidently, adapt quic ...

Core Insights - Popular, Inc. (BPOP) is experiencing revenue stability, growth in net interest income (NII), a robust liquidity profile, and consistent capital distributions [1] - Analysts are optimistic about the company's earnings growth, with upward revisions in earnings estimates for 2025 and 2026 [1] Revenue and Growth - BPOP's total revenues have achieved a compound annual growth rate (CAGR) of 5.6% from 2020 to 2024, with net loans growing at a CAGR of 6.8% and deposits at 3.4% during the same period [2] - In Q1 2025, BPOP continued to see year-over-year increases in revenue, loans, and deposits, indicating strong organic growth potential [3] Net Interest Income and Margin - The company's NII has shown a four-year CAGR of 5.3%, with the net interest margin (NIM) increasing from 2.88% in 2021 to 3.24% in 2024 [3] - Management anticipates continued growth in NII and NIM, projecting a 7-9% increase in NII for the full year 2025 [4] Earnings Performance - BPOP has recorded EPS growth of 6.05% over the last three to five years, surpassing the industry average of 5.27% [5] - Projected EPS growth rates for 2025 and 2026 are 17.11% and 19.97%, respectively, indicating strong earnings momentum [6] Strategic Initiatives - The company launched a multi-year transformation initiative in 2022, focusing on technology investments and digital transformation to enhance client experience and operational efficiency [9][10] - BPOP aims for a return on tangible common equity (ROTCE) of 14% by 2025, supported by these strategic initiatives [8] Liquidity and Capital Distribution - As of March 31, 2025, BPOP's liquidity stood at $6.6 billion, with total debt at $1.4 billion, reflecting a conservative balance sheet [11] - The company has increased its quarterly dividend by 12.9% to $0.70 per share and has a share repurchase program with $160 million available under authorization [12][13]

The 2025 CMX Community Industry Awards recognizes Alkami's rapid success in building an engaged, customer-driven community experiencePLANO, Texas, June 11, 2025 /PRNewswire/ -- Alkami Technology, Inc. (Nasdaq: ALKT) ("Alkami"), a leading cloud-based digital banking solutions provider for financial institutions in the U.S., today announced that it has been named the winner of the Best New Community award at the 2025 CMX Community Industry Awards, recently hosted at the CMX Summit 2025 in Redwood City, Califo ...

Most banks across the globe have been continuously restructuring their businesses to focus on core operations. While these initiatives are expected to result in elevated expenses, they will drive growth in the long run. Though the uneven economic recovery in developed and emerging nations has been hurting revenue growth for companies within the Zacks Foreign Banks Industry, relatively lower interest rates will likely provide support.Thus, despite geopolitical and macroeconomic woes, industry players like HS ...

Gregory C Brown Senior Vice President, Commercial Elkhart Regional Manager WARSAW, Ind., June 10, 2025 (GLOBE NEWSWIRE) -- Lake City Bank is pleased to welcome back Gregory C. Brown as Senior Vice President, Commercial Elkhart Regional Manager. Brown will lead the newly formed Commercial Elkhart Region, serving commercial clients in Elkhart and surrounding communities. The new region was strategically created to better serve the growing business community in Elkhart. “Since arriving in Elkhart in 1990, ...

ROCKVILLE, Md., May 19, 2025 (GLOBE NEWSWIRE) -- Capital Bank, N.A. has officially launched its new digital banking platform, powered by Q2, a leader in digital transformation for financial services. The upgrade delivers a secure, modern experience for business customers and marks a major step in the Bank’s ongoing digital evolution. Known for its agile, growth-oriented approach, Capital Bank continues to invest in technology that enhances efficiency and meets the demands of today’s business environment . T ...

PagSeguro (PAGS) Q1 2025 Earnings Call May 13, 2025 04:00 PM ET Speaker0 Good evening. My name is Ogu, and I'll be your conference operator today. Welcome to PagSeguro Digital Earnings Call for the First Quarter of twenty twenty five. The slide presentation for today's webcast is available on PagSeguro Digital's Investor Relations website at investors.peggibank.com. Please refer to the forward looking statements and reconciliation disclosure in this presentation and in the company's earnings release appendi ...

Financial Data and Key Metrics Changes - In Q1 2025, the company reported total revenue of $97.8 million, representing a year-over-year growth of 28.5% [23] - Adjusted EBITDA improved to $12.1 million compared to $3.8 million in the same quarter last year, marking a significant increase [23] - The company exited the quarter with an Annual Recurring Revenue (ARR) of approximately $400 million, reflecting a 33% increase year-over-year [23][24] Business Line Data and Key Metrics Changes - Subscription revenue grew by 27% in Q1 2025, accounting for 95% of total revenue [23] - The company added 36 new digital banking clients, contributing to a total of 278 live clients and 20.5 million registered users, which is a 13% increase year-over-year [24] - The revenue per user (RPU) increased by 18% to $19.74, driven by the Mantle acquisition and successful add-on sales [25] Market Data and Key Metrics Changes - The company reported a strong demand environment for digital banking, with no observed decline in demand despite macroeconomic uncertainties [6][10] - The company’s sales pipeline remains robust, with a healthy mix of new client acquisitions and renewals [25] - The Mantle acquisition is expected to enhance the company's competitive position in both bank and credit union markets, with balanced demand observed in both segments [50] Company Strategy and Development Direction - The company is focused on enhancing its product offerings in onboarding and account opening, retail and commercial functionality, user experience, and personalization [13] - A strategic development center is being established in India to increase product and engineering capacity while maintaining profitability commitments [16] - The company aims to leverage its unique financial model to strengthen its competitive position in the SaaS market [34] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving the 2026 financial objectives, citing a strong implementation backlog and sales pipeline [6] - The demand for digital banking is viewed as essential for regional and community financial institutions to compete effectively [6][10] - Management remains optimistic about the future, indicating that digital banking projects are prioritized by clients despite economic uncertainties [96][100] Other Important Information - The Mantle acquisition, valued at $400 million, was completed earlier than expected and is anticipated to be accretive to adjusted EBITDA in 2026 [31][33] - The company has expanded its credit facility from $125 million to $225 million, enhancing its financial flexibility [30] Q&A Session Summary Question: Was the $5 million spend for the offshore initiative still a lighter expense in Q1? - Yes, it was a lighter expense in Q1, with the majority of the expense expected to concentrate in the third and fourth quarters of 2025 [36][37] Question: How much did Mantle contribute to the growth in revenue per user? - Mantle contributed about 1.8 to RPU this quarter, with a more normalized growth rate expected going forward [39][40] Question: What is the opportunity for cross-selling Mantle into the existing base? - Initial success has been seen with five transactions sold into the Alchemy base, and there is confidence in the cross-selling opportunity [42][43] Question: Where is the most traction being seen with the Mantle acquisition? - Balanced demand is observed in both banks and credit unions, with a focus on enhancing account opening experiences [50] Question: What would it take for banks to slow spending on digital banking projects? - It would require extraordinary dislocation for banks to halt their digital banking projects, as these are often budgeted line items [96][100]

Alkami Technology, Inc. Proprietary Information. Alkami Technology First Quarter 2025 What We Do Cautionary Statement Regarding Forward-Looking Statements © Alkami Technology, Inc. • Cloud-based digital banking platform serving U.S. financial institutions How We Do It The company reports its financial results in accordance with accounting principles generally accepted in the United States of America, or GAAP. However, the company believes that, in order to properly understand its short-term and long-term fi ...