Core Viewpoint - Independent Bank is positioned as a more favorable investment compared to Peoples Bancorp based on various financial metrics and analyst recommendations [11] Profitability - Independent Bank has a net margin of 21.25%, return on equity of 14.76%, and return on assets of 1.28% - Peoples Bancorp has a net margin of 16.57%, return on equity of 9.45%, and return on assets of 1.15% [2] Institutional and Insider Ownership - 79.4% of Independent Bank shares are owned by institutional investors, while 60.7% of Peoples Bancorp shares are owned by institutional investors - Company insiders own 5.7% of Independent Bank shares compared to 3.4% for Peoples Bancorp [3] Valuation and Earnings - Independent Bank's gross revenue is $222.04 million with a price/sales ratio of 2.93, net income of $66.79 million, earnings per share (EPS) of $3.26, and a price/earnings (P/E) ratio of 9.65 - Peoples Bancorp has gross revenue of $447.86 million with a price/sales ratio of 2.34, net income of $117.21 million, EPS of $2.86, and a P/E ratio of 10.28 - Independent Bank is trading at a lower P/E ratio, indicating it is more affordable [5][6] Analyst Recommendations - Independent Bank has a consensus target price of $36.00, suggesting a potential upside of 14.43%, while Peoples Bancorp has a target price of $33.13 with a potential upside of 12.63% - Analysts rate Independent Bank more favorably due to its higher potential upside [8] Dividends - Independent Bank pays an annual dividend of $1.04 per share with a dividend yield of 3.3%, distributing 31.9% of its earnings as dividends - Peoples Bancorp pays an annual dividend of $1.64 per share with a dividend yield of 5.6%, distributing 57.3% of its earnings as dividends - Both companies have a history of increasing dividends, with Independent Bank increasing for 11 consecutive years and Peoples Bancorp for 10 consecutive years [9] Volatility & Risk - Independent Bank has a beta of 0.86, indicating it is 14% less volatile than the S&P 500 - Peoples Bancorp has a beta of 0.7, indicating it is 30% less volatile than the S&P 500 [10]

Nov 21, 2025 11:45 AM Eastern Standard Time Willdan Expands Financial Services With Acquisition of Compass Municipal Advisors Share ANAHEIM, Calif.--(BUSINESS WIRE)--Willdan Group, Inc. (NASDAQ: WLDN) announced today that their subsidiary, Willdan Financial Services, signed a definitive agreement to acquire Compass Municipal Advisors, LLC ("Compass†), an independent municipal advisory firm headquartered in the Southeastern US. As a fully registered Municipal Advisor, Compass helps public agencies overcome ...

GLENVILLE, N.Y., Nov. 19, 2025 (GLOBE NEWSWIRE) -- The Board of Directors of TrustCo Bank Corp NY (TrustCo, Nasdaq: TRST) on November 18, 2025 declared a quarterly cash dividend of $0.38 per share, or $1.52 per share on an annualized basis. The dividend will be payable on January 2, 2026 to shareholders of record at the close of business on December 5, 2025. Chairman, President, and Chief Executive Officer Robert J. McCormick said: “We are very pleased that the financial strength demonstrated by our perform ...

How do you digest this sort of market move. Now you're a public company. Well, thanks for having me on, guys.It's great to be with you again. I remember being with you on our on our iPod. Yeah.Look, we're a recently issued stock. We've had two quarters now where we've. The team has done an amazing job executing.We just announced 29% revenue growth year over year, 21% growth in our member base. We added 400,000 new active members. So and we're improving our profitable profitability program profile at the sam ...

Accessibility StatementSkip Navigation Evolution Honors Heritage, Unifies Markets, and Reinforces Dedication to Personalized Service and Local Impact CHARLES TOWN, W.Va., Nov. 3, 2025 /PRNewswire/ -- (OTCID:PTBS) -- Today, Bank of Charles Town announced it has officially adopted its new name, Potomac Bank. This is a celebration of a journey that has been unfolding since its founding over 154 years ago. It not only reflects the bank's significant growth and expansion across the Eastern Panhandle of West Virg ...

Core Points - Service Credit Union was established in 1957 to support military personnel and their families, expanding its services to hundreds of thousands of members globally [1] - The credit union offers a variety of financial products including high-yield deposit accounts, loans, and business banking services [1] Product Overview - Everyday Checking account is a free account that earns rewards on debit purchases and includes online banking, remote check deposit, and loan discounts [2] - Dividend Checking account provides the same perks as Everyday Checking with an additional 0.15% APY on balances, requiring a minimum balance of $1,500 to avoid fees [3] - Primary Savings account is essential for membership, offering 5% APY on the first $500 and 0.25% APY on balances over $500, with a $5 minimum opening deposit [4] - Youth accounts for children aged 13 and up offer checking and high-yield savings with similar APY rates as the Primary Savings account [5] - Military savings accounts are tailored for armed forces members and their families, including a Holiday Club account with 3% APY on balances up to $3,000 [6] - Share certificates are available with terms from three to 60 months, offering rates up to 4.15% APY with a minimum deposit of $500 [7] - Money market accounts provide rates up to 1.7% APY, requiring a minimum balance of $2,500 to earn dividends [7] - Trust services include living trusts and payable-on-death accounts [8] - Business and commercial banking products include checking and savings accounts, digital invoicing, and merchant services [9] - A variety of loan options are available, including vehicle loans, personal loans, and mortgages [10] - Credit card offerings include no annual fee cards, rewards cards, and secured credit cards [11] - Investment services are provided through the Service Financial Group, assisting with retirement planning and college savings [12] - Insurance options include discounted coverage for home, life, and auto insurance [13] Membership and Fees - Membership is open to active duty military, veterans, and their families, as well as members of select employer groups and associations [15][22] - A minimum deposit of $5 is required to open a Primary Savings account for membership [19] - Certain fees may apply depending on account types and usage [14] Customer Service and Technology - Service Credit Union offers 24/7 phone support and various contact options including live chat and email [16] - The mobile app has high ratings and allows members to manage accounts, transfer funds, and deposit checks [17] Social Impact - The Service CU Impact Foundation promotes initiatives in education, housing, and support for veterans and first responders, offering scholarships and grants [18]

Core Insights - SmarFinancial (SMBK) reported a revenue of $51.07 million for the quarter ended September 2025, reflecting a year-over-year increase of 15.6% and a slight surprise of +0.05% over the Zacks Consensus Estimate of $51.04 million [1] - The earnings per share (EPS) for the quarter was $0.86, compared to $0.54 in the same quarter last year, resulting in an EPS surprise of +17.81% against the consensus estimate of $0.73 [1] Financial Performance Metrics - Efficiency Ratio stood at 66.3%, slightly above the average estimate of 65.9% based on three analysts [4] - Net Interest Margin was reported at 3.3%, matching the average estimate of 3.3% [4] - Net charge-offs to average loans were 0.1%, consistent with the average estimate of 0.1% from two analysts [4] - Average Balance of Total interest earning assets was $5.23 billion, exceeding the average estimate of $5.07 billion [4] - Total noninterest income was $8.64 million, below the average estimate of $9.01 million [4] - Mortgage banking income was $0.71 million, slightly above the estimate of $0.69 million [4] - Net interest income (FTE) was reported at $42.79 million, surpassing the average estimate of $42.03 million [4] - Interchange and debit card transaction fees were $1.34 million, slightly below the estimate of $1.37 million [4] - Service charges on deposit accounts were $1.83 million, in line with the average estimate of $1.8 million [4] - Investment services income was $1.69 million, exceeding the average estimate of $1.53 million [4] - Other noninterest income was $1.78 million, below the average estimate of $1.93 million [4] - Insurance commissions were reported at $1.05 million, significantly lower than the average estimate of $1.59 million [4] Stock Performance - Over the past month, shares of SmarFinancial have returned -5.1%, contrasting with the Zacks S&P 500 composite's +1.2% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]

Financial Results - TrustCo Bank Corp NY reported strong financial results for Q3 2025, with net interest income increasing by 11.5% year-over-year to $43.1 million, driven by higher loan yields and controlled deposit costs [3][5] - The net interest margin expanded to 2.79%, up from 2.61% in the prior year, reflecting improved asset yields and disciplined deposit pricing strategies [3][5] - Net income for Q3 2025 was $16.3 million, or $0.86 diluted earnings per share, a 26.3% increase compared to $12.9 million, or $0.68 diluted earnings per share in Q3 2024 [5][6] Loan and Deposit Growth - Total average loans increased by $125.9 million, or 2.5%, in Q3 2025 compared to the same period in 2024, with residential loans and home equity lines of credit (HECLs) rising by $34.0 million and $59.9 million, respectively [7] - Average deposits grew by $251.1 million, or 4.8%, primarily due to increases in time deposits and interest-bearing checking accounts [7] Capital Position and Stock Repurchase Program - TrustCo executed a stock repurchase program, acquiring 467 thousand shares, representing 2.5% of total shares outstanding, with an additional 533 thousand shares available for future repurchases [4][8] - The book value per share increased to $37.30 as of September 30, 2025, up from $35.19 a year earlier [5][8] Credit Quality - Nonperforming loans (NPLs) decreased to $18.5 million, or 0.36% of total loans, down from $19.4 million, or 0.38% a year earlier, indicating strong asset quality [5][9] - The allowance for credit losses on loans was $51.9 million, with a coverage ratio of 280.8% for NPLs as of September 30, 2025 [9][10] Performance Metrics - Return on Average Assets (ROAA) improved to 1.02%, up 21.4% from the previous year, while Return on Average Equity (ROAE) rose to 9.29%, an increase of 20.0% [5][6] - The efficiency ratio improved to 54.89%, down from 60.09% a year earlier, reflecting better operational efficiency [16]

Core Insights - Consumers Credit Union (CCU) is recognized as one of the top 10 credit unions for 2025, offering a range of financial products and services including deposit accounts, loans, and business banking solutions [1] Product Overview - CCU provides a Rewards Checking Account with tiered rates up to 5% APY on balances up to $10,000, contingent on meeting specific monthly activity requirements [3][4] - The Free Checking Account has no fees or minimum balance requirements, offering features like early direct deposit and unlimited check writing [5] - The Smart Saver Account offers a base rate of 0.25% APY, with potential to earn a 3% APY relationship rate when linked to a CCU checking account [10] - CCU's Membership Savings Account requires a minimum balance of $5 and offers competitive dividend rates [9] - Health Savings Accounts (HSAs) are available with no minimum deposit or balance requirements, allowing tax-advantaged savings for health expenses [11] - CCU offers various loans including home purchase, refinancing, auto loans, and personal loans [13] - Credit card options include cash back and rewards cards, with introductory offers such as 0% APR on balance transfers for 12 months [14] - Investment services include access to various IRAs and insurance products [15] - Business banking services encompass business accounts, Visa cards, commercial loans, and treasury management [17] Membership and Fees - Membership is open to anyone for a one-time fee of $5, which may be reimbursed, and requires maintaining a minimum balance of $5 in the savings account [21] - CCU does not charge monthly maintenance fees on deposit accounts, making it attractive for members [21] - The credit union has limited physical branches primarily located in Illinois, which may pose accessibility challenges for members outside the state [21] Customer Service and Technology - CCU offers 24/7 customer service via phone and live chat during business hours, with a mobile app rated 4.7 and 4.5 stars on respective platforms [20] - The mobile app facilitates various banking activities including bill payments, remote check deposits, and account management [20]

Core Viewpoint - Synovus Financial Corp. is experiencing a positive trend in its stock performance, reflected in the increasing consensus price target set by analysts, indicating growing confidence in the company's financial health and future prospects [1][2]. Price Target Trends - The average price target for Synovus has risen to $62, up from $59 in the previous quarter and $57.4 a year ago, showcasing an upward trend in analyst expectations [2]. - Wells Fargo has set a price target of $65 for Synovus, further indicating positive expectations for the company's performance [2]. Earnings Reports and Forecasts - Synovus is scheduled to announce its third-quarter earnings results on October 15, with analysts adjusting their forecasts in anticipation of strong earnings growth [3]. - Strong earnings performance is expected to lead to upward revisions in price targets for Synovus [3]. Strategic Initiatives and Economic Conditions - Strategic initiatives, such as expanding digital banking services and entering new markets, are viewed as positive growth drivers that may contribute to increased price targets for Synovus [4]. - Favorable economic conditions, including interest rate changes and economic recovery, can also impact financial institutions like Synovus, leading to upward revisions in price targets [4]. Analyst Sentiment and Future Insights - Analyst upgrades and positive coverage are contributing factors to the increase in the consensus price target for Synovus [5]. - Investors should monitor Synovus's upcoming earnings reports and strategic announcements, with a conference call scheduled for October 16 expected to provide further insights into the company's financial performance and future plans [5].