Core Viewpoint - Atlantic Union Bankshares Corporation will release its first quarter 2026 financial results on April 21, 2026, before the market opens, followed by a conference call for investors at 9:00 a.m. Eastern Time on the same day [1]. Group 1: Financial Results Announcement - The company is set to announce its first quarter 2026 financial results on April 21, 2026, prior to market opening [1]. - A conference call and webcast for investors will take place at 9:00 a.m. Eastern Time on the same day [1]. Group 2: Access Information - The listen-only webcast and accompanying slides can be accessed through a provided link [2]. - Research analysts wishing to participate in the conference call must register via a specific URL to receive an audio dial-in number and Access PIN [2]. Group 3: Company Overview - Atlantic Union Bankshares Corporation is headquartered in Richmond, Virginia, and operates as the holding company for Atlantic Union Bank, which has branches and ATMs in Virginia, Maryland, North Carolina, and Washington D.C. [3]. - The company also has non-bank financial services affiliates, including Atlantic Union Equipment Finance, Inc., AUB Investments, Inc., and Atlantic Union Capital Markets, Inc., which provide various financial services [3].

Company Overview - Trinity Capital operates as a Business Development Company (BDC), focusing on lending to growth-stage companies rather than investing in public equities [1] - GGT is a closed-end fund managed by Gabelli Funds, investing in media and telecommunications companies, with a fixed share count that can trade at a discount or premium [2] Financial Performance - Trinity's revenue for 2025 grew 24% year-over-year to $293.7 million, with a dividend coverage ratio of 102% [5][8] - GGT has maintained uninterrupted distributions for over 26 years, recently increasing monthly payments to $0.07 to $0.08 per share [5][2] Market Position and Stability - Both Trinity Capital and Gabelli Multimedia Trust outperformed the S&P 500 over the past month, with GGT up 0.48% and TRIN up 0.10%, while the S&P 500 fell approximately 4.3% [5][7] - The elevated VIX at 27.29 indicates increased market uncertainty, driving income-focused investors towards BDCs and closed-end funds like Trinity and GGT [4][3] Dividend and Yield - Trinity's effective yield on its debt portfolio was 15.2% in Q4 2025, with a shift to monthly dividend payments of $0.17 per share starting January 2026 [1] - GGT's return engine relies on the appreciation of its media-sector holdings and steady distributions, transitioning to monthly payments [2] Investment Considerations - Trinity's share count increased from 59.4 million to 77 million year-over-year, which diluted existing shareholders despite total earnings growth [11] - GGT's concentration in the media sector exposes it to structural headwinds, reflected in its five-year total return of -12% [12]

A n I n te r n a ti o n a l A l t e r n a t i v e A s s e t M a n a g e r FOURTH QUARTER 2025 INVESTOR PRESENTATION TRINITYCAPITAL.COM NASDAQ: TRIN FORWARD-LOOKING STATEMENTS | DISCLAIMER Trinity Capital Inc. (the "Company") cautions that this presentation may contain forward-looking statements that are based on current expectations and assumptions about future events, and which are not based in historical fact. The forward-looking statements in this presentation are based on current conditions as of the da ...

Core Insights - U.S. companies increased borrowing by 5.9% in December for equipment purchases compared to the previous year, marking the second-highest borrowing level ever recorded [1] Summary by Category Borrowing Trends - The Equipment Leasing and Finance Association reported a 5.9% increase in borrowing for equipment financing in December year-over-year [1] - This increase indicates strong demand for equipment among U.S. companies, reflecting confidence in business growth and investment [1]

Core Insights - LLC loans provide various options for businesses, with legal protections against personal liability, although personal guarantees are often required from majority owners [1][6]. Loan Types - Traditional lenders prefer borrowers with good credit scores (670 or higher), but options like SBA loans may be available for scores as low as 640 [2]. - Alternative lenders may accept credit scores in the 600 range, but with higher borrowing costs [2]. - LLC loans can be utilized for various purposes, including working capital, equipment purchases, and marketing [7]. Loan Application Process - The application process for LLC loans varies by lender but generally includes submitting personal and business credit information, income history, and collateral [4][5]. - Lenders typically require good personal and business credit scores, qualifying income history, and collateral [5]. Loan Types and Features - Term loans provide a lump sum that is repaid over a set period, typically five years or more [8]. - Lines of credit function similarly to credit cards but usually offer higher limits and flexible borrowing [11]. - SBA 7(a) loans are backed by the U.S. Small Business Administration, offering both secured and unsecured options [12]. - Equipment financing is specifically for purchasing equipment and is secured by the equipment itself [18]. - Invoice factoring allows businesses to convert unpaid invoices into immediate cash, with upfront payments ranging from 70% to 90% of invoice value [19]. Financial Considerations - Businesses should calculate how much debt they can afford using metrics like debt-to-income ratio (DTI) and debt service coverage ratio (DSCR) [28]. - Lenders prefer a DTI of 36% or less and a DSCR of at least 1.25 [28]. - Common fees associated with LLC loans include origination fees (1% to 5%), late payment fees, and early repayment penalties [38]. Alternatives to LLC Loans - If LLC loans are not suitable, businesses can consider alternatives such as business grants, crowdfunding, or business credit cards [41].

4Q and Full Year 2025 Earnings Presentation January 22, 2026 FORWARD-LOOKING STATEMENTS This presentation and statements by our management may constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are statements that include, without limitation, statements regarding our acquisition of Sandy Spring Bancorp, Inc. ("Sandy Spring") and expectations with regard to the benefits of the Sandy Spring acquisition, statements rega ...

Core Viewpoint - Horizon Bancorp, Inc. will host a conference call on January 22, 2026, to discuss its fourth quarter 2025 financial results, with the news release published on January 21, 2026 [1] Group 1: Conference Call Details - The conference call is scheduled for 7:30 a.m. CT (8:30 a.m. ET) on January 22, 2026, with access numbers provided for participants from the U.S., Canada, and international locations [2] - A telephone replay of the call will be available approximately one hour after the conference call ends, lasting until January 30, 2026, with specific access numbers for the U.S., Canada, and international callers [3] Group 2: Company Overview - Horizon Bancorp, Inc. is a commercial bank holding company with assets of $6.7 billion as of September 30, 2025, serving customers in Midwestern markets through digital tools and physical branches in Indiana and Michigan [4] - The company offers a range of retail banking services, including residential and secured consumer lending, personal banking, wealth management, business banking, treasury management, and equipment financing, with commercial lending making up over half of total loans [4]

Core Viewpoint - U.S. companies experienced a 4.4% decrease in borrowing for equipment investments in November compared to the same month last year, as reported by the Equipment Leasing and Finance Association (ELFA) [1] Summary by Category Borrowing Trends - The decline in borrowing indicates a potential slowdown in capital expenditures among U.S. companies, reflecting cautious investment behavior in the current economic climate [1]

Company Overview - Customers Bancorp reported a revenue of $719.93 million and a net income of $162.36 million for the trailing twelve months (TTM) [4] - The company has a dividend yield of none and a one-year price change of 22.84% as of November 25, 2025 [4] - The bank focuses on providing financial products and services to small and mid-sized businesses as well as individual consumers across various states [7][8] Insider Transaction - Jay S. Sidhu, Chairman & CEO, sold 7,479 shares in an open-market transaction valued at approximately $523,947.33 on November 25, 2025 [2][9] - Post-transaction, Sidhu retains 918,216 shares valued at about $63.7 million [2][6] - This sale represents approximately 0.81% of Sidhu's direct ownership prior to the transaction, which is significantly lower than the recent median sell trade of 4.23% for insiders [6] Stock Performance - Customers Bancorp shares achieved a total return of 22.84% over the prior twelve months, with the stock priced at $69.33 at the market close on the transaction date [6][10] - Following the sale, the stock reached a 52-week high of $72.83, indicating favorable timing for the transaction [9] Financial Performance - The company's third-quarter net income available to common shareholders was $73.7 million, a substantial increase from $42.9 million in the previous year [10] - The diluted earnings per share (EPS) for Q3 was reported at $2.20, up from $1.31 in 2024, reflecting strong growth [10]

Core Points - Atlantic Union Bankshares Corporation will host an investor day on December 10, 2025, at the New York Stock Exchange, focusing on the company's strategic priorities and future plans [1][2] - The event will feature presentations from key executives, including President and CEO John Asbury, CFO Rob Gorman, and President and COO Maria Tedesco [1] - Attendees can participate either in person or virtually, with pre-registration required for in-person attendance [2] Company Overview - Atlantic Union Bankshares Corporation is headquartered in Richmond, Virginia, and operates as the holding company for Atlantic Union Bank [3] - The bank has branches and ATMs in Virginia, Maryland, North Carolina, and Washington D.C., and offers various non-bank financial services through its affiliates [3]