On Jan. 28, 2026, Donald Michael Westermann, Chief Information Officer of Eastern Bankshares (NASDAQ:EBC), executed an open-market sale of 21,256 directly held shares, representing a transaction value of ~$427,500 according to the SEC Form 4 filing. Transaction summary Metric Value Shares sold (direct) 21,256 Transaction value $427,458.16 Post-transaction shares (direct) 20,860 Post-transaction shares (indirect) 26,713 Post-transaction value (direct ownership) $415,739.80 T ...

Financial Performance - Hanover Insurance Group reported revenue of $1.69 billion for the quarter ended December 2025, reflecting a 4.3% increase year-over-year [1] - The earnings per share (EPS) was $5.79, up from $5.32 in the same quarter last year, representing an EPS surprise of +11.28% against a consensus estimate of $5.20 [1] - The reported revenue was slightly below the Zacks Consensus Estimate of $1.71 billion, resulting in a surprise of -1.46% [1] Key Metrics - Core Commercial Loss and LAE Ratio was 61.9%, better than the three-analyst average estimate of 63.4% [4] - Core Commercial Expense Ratio stood at 34.2%, slightly above the three-analyst average estimate of 33.7% [4] - Core Commercial Combined Ratio was reported at 96.1%, compared to the average estimate of 97% [4] - Specialty Loss and LAE Ratio was 45.8%, outperforming the three-analyst average estimate of 49.7% [4] Revenue Breakdown - Net investment income was $125.8 million, exceeding the average estimate of $116 million, marking a year-over-year increase of +24.9% [4] - Premiums earned totaled $1.56 billion, slightly below the three-analyst average estimate of $1.59 billion, with a year-over-year change of +3% [4] - Core Commercial Net Premiums Earned was $561.5 million, compared to the average estimate of $573.24 million, reflecting a +2.2% year-over-year change [4] - Specialty Net Premiums Earned reached $348.9 million, below the average estimate of $363.58 million, with a +2.8% year-over-year change [4] - Personal Lines Net Premiums Earned was $646.2 million, slightly below the estimated $651 million, representing a +3.7% change year-over-year [4] Investment Performance - Shares of Hanover Insurance have returned -3.3% over the past month, while the Zacks S&P 500 composite increased by +1.8% [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]

AIKEN, S.C., Jan. 30, 2026 (GLOBE NEWSWIRE) -- Security Federal Corporation (the “Company”) (OTCBB: SFDL), the holding company for Security Federal Bank (the “Bank”), today announced earnings and financial results for the quarter and year ended December 31, 2025. The Company reported net income available to common shareholders of $3.9 million, or $1.24 per common share, for the quarter ended December 31, 2025, compared to $3.0 million, or $0.94 per common share, for the fourth quarter of 2024. Year-to-date ...

Reliance Global Group, Inc., an InsurTech company, has announced the promotion of Moshe Fishman to Senior Vice President, Strategic Ventures.In this expanded role, Fishman will continue driving growth in Reliance’s core insurance and InsurTech operations while pursuing transformative growth through EZRA International Group (EZRA), the company’s strategic acquisition initiative.Reliance explained that EZRA was formed to acquire majority or controlling stakes in high-growth technology companies operating outs ...

Core Insights - The company reported a satisfactory performance in 2025, with significant customer growth and support for over a thousand claims daily during challenging times [1] - The fourth quarter performance indicates a strong finish to 2025, driven by growth in Personal Lines and a favorable underlying business trend [2] Financial Performance - The insurance service result for Q4 2025 was a profit of DKK 521 million, up from DKK 440 million in Q4 2024, with a combined ratio of 82.4, improved from 84.5 [4] - Insurance revenue increased by 4.6% to DKK 2,976 million, primarily due to a 9.8% growth in Personal Lines [4] - The underlying claims ratio decreased by 3.0 percentage points to 60.8, reflecting positive trends in both Personal and Commercial Lines [4] - The expense ratio fell to 17.1, down from 18.0, indicating a focus on reducing operating expenses [4] - The consolidated profit before tax for 2025 was DKK 2,119 million, compared to DKK 1,747 million in 2024 [4] Strategic Initiatives - Alm. Brand Foreningen 1792, the principal shareholder, plans to reinvest DKK 185 million in Alm. Brand Group for 2026, including DKK 100 million for a new loyalty program [3] - The company is set to initiate a share buyback program amounting to DKK 1.5 billion, with DKK 1.0 billion being extraordinary, expected to start in the first half of 2026 [4] Shareholder Returns - The Board of Directors recommends an ordinary dividend of DKK 0.66 per share for the 2025 financial year [4] - Total distribution expected in 2026 is DKK 2.4 billion, with the majority shareholder indicating participation in the share buybacks [4]

Financial Data and Key Metrics Changes - The company reported net earnings of $83 million or $0.64 per share for the fourth quarter, with an annualized return on average assets of 1.34% and an adjusted return on average tangible common equity of 17.6% [3][10] - Pre-provision net revenue reached a record $111 million, representing an ROA of 1.78% [3][10] - Revenue increased to a record $226 million, driven by record net interest income of $197 million and non-interest income of $28.3 million [10] Business Line Data and Key Metrics Changes - The commercial loan team generated total new loan production of $3.2 billion in 2025, with net commercial loan growth of 5.5% for the year [4] - Average non-interest-bearing deposits grew by 2% annualized, contributing to the overall growth in core deposits, which increased by $260 million or 6.6% annualized [5] - Non-interest income increased to $28.3 million, with significant contributions from the insurance agency and SBA loan sales [7][8][15] Market Data and Key Metrics Changes - The company experienced a favorable improvement in non-performing assets, which declined to 0.32% of total assets [6][14] - The average cost of total deposits decreased to 2.1%, while the total cost of funds decreased to 2.34% [13] Company Strategy and Development Direction - The company plans to continue investing in revenue-producing talent across various platforms, including middle market banking, treasury management, SBA, wealth management, and insurance [8][9] - A core system conversion is scheduled for the fall of 2026 to enhance scalability and digital capabilities [9][84] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in sustaining growth momentum and improving profitability, with expectations for loans and deposits to grow in the 4%-6% range for 2026 [18] - The competitive landscape for deposits remains challenging, but the company is focused on maintaining its core model and capturing market share [36] Other Important Information - The company announced a new share repurchase authorization allowing for the buyback of an additional 2 million shares [8] - The tangible book value per share increased by 3.8% to $15.70, and the tangible common equity ratio rose to 8.48% [17] Q&A Session Summary Question: Inquiry about the effective tax rate and tax credit investments - Management clarified that the effective tax rate is projected to be approximately 29% for 2026, with benefits from tax credit investments realized throughout the year [23][25] Question: Discussion on capital deployment priorities - Management indicated that organic growth remains the primary focus, with potential considerations for dividends and investments in insurance and wealth platforms [26][27] Question: Insights on deposit competition and its impact - Management acknowledged heightened competition for deposits but emphasized their strong performance in core deposits and the ability to capture market share [36] Question: Trends in the commercial real estate (CRE) market - Management noted a healthier CRE market and expressed no interest in acquiring portfolios from competitors, focusing instead on organic growth [40] Question: Potential for loan yields to increase - Management indicated that there is potential for yields to improve as the pipeline yield increases and backflow repricing occurs [45] Question: Plans for geographic expansion - Management expressed interest in expanding into adjacent geographies, including Long Island and the Philadelphia suburbs, while already having teams in those areas [50]

Community Financial System (CBU) reported $216.33 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 9.7%. EPS of $1.07 for the same period compares to $0.94 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $213.34 million, representing a surprise of +1.4%. The company delivered an EPS surprise of -5.31%, with the consensus EPS estimate being $1.13.While investors scrutinize revenue and earnings changes year-over-year and how they com ...

NBT Bancorp (NasdaqGS:NBTB) Q4 2025 Earnings call January 27, 2026 10:00 AM ET Speaker7Good day, everyone. Welcome to the conference call covering NBT Bancorp's fourth quarter and full year 2025 financial results. This call is being recorded and has been made accessible to the public in accordance with SEC Regulation FD. Corresponding presentation slides can be found on the company's website at nbtbancorp.com. Before the call begins, NBT's management would like to remind listeners that, as noted on slide 2, ...

In addition, we appreciate the opportunity to evaluate and partner with other like-minded community banks. Returning capital to shareholders and opportunistic share repurchases is also part of our capital planning. And as such, we renewed our $2 million share repurchase authorization through the end of 2027. Before turning the meeting over to Annette to review our third quarter results with you in detail, Joe Stagliano will provide some additional color on our progress in the Western region of New York and ...

Core Insights - Tryg reported a strong financial performance for 2025, with an insurance service result of DKK 7,945 million, up from DKK 7,056 million in 2024, and a combined ratio of 80.3%, improved from 81.7% [1][9][10] - The company announced an ordinary dividend of DKK 8.20 per share, representing an increase of over 5% from the previous year, and initiated a DKK 1 billion share buyback program [1][9] - The solvency ratio at the end of 2025 was reported at 196%, down from 204% in Q3 2025, indicating a strong capital position [1][9] Financial Highlights - The investment result for 2025 was DKK 778 million, a decrease from DKK 911 million in 2024 [1][9] - Pre-tax profit increased to DKK 7,212 million from DKK 6,303 million in the previous year, while profit after tax rose to DKK 5,405 million from DKK 4,816 million [1][9] - The expense ratio slightly improved to 13.4% from 13.5% in 2024 [9] Customer and Strategic Developments - Customer satisfaction score improved to 82 in 2025, up from a baseline of 81 in 2024 [4] - The company is on track to meet its financial and strategic targets for 2027, focusing on profitability improvements, particularly in Norway, and expanding partnerships across Scandinavia [6] - Tryg emphasized the importance of a resilient business model to support customer needs and shareholder returns during uncertain times [6]