The chief executive of BNP Paribas Bank Polska said on Wednesday that Polish lenders should try to avoid a "murderous" price war as competition for loans heats up, saying it could make lending unprofi... ...

Core Viewpoint - Software stocks have experienced a significant decline, while loan pricing has remained relatively stable, prompting Morgan Stanley to adopt a cautious stance, particularly regarding Business Development Companies (BDCs) which are deemed most vulnerable [1] Group 1: Software Stocks - Software stocks are down sharply, indicating a potential shift in market sentiment towards technology investments [1] - The decline in software stocks may reflect broader economic concerns or sector-specific challenges [1] Group 2: Loan Pricing - Loan pricing has barely moved, suggesting stability in lending conditions despite the downturn in software stocks [1] - The stability in loan pricing may provide a buffer for companies reliant on debt financing [1] Group 3: Business Development Companies (BDCs) - BDCs are highlighted as the most exposed to the current market conditions, indicating potential risks for these entities [1] - The cautious outlook from Morgan Stanley suggests that BDCs may face challenges in maintaining performance amidst the volatility in software stocks [1]

LendingTree Applauds the House of Representatives for Passage of the Housing for the 21st Century Act, Highlighting Need for Modernized, Affordable Housing Policy [Accessibility Statement] Skip NavigationLegislation aims to expand housing supply, modernize federal housing programs and improve affordability for American familiesCHARLOTTE, N.C., Feb. 10, 2026 /PRNewswire/ -- LendingTree, Inc. (NASDAQ: TREE), one of the nation's largest online financial marketplaces, commends the House of Representatives for p ...

Citigroup upgrades SoFi Technologies (NASDAQ:SOFI) to "Outperform" with a stock price of $20.86.SoFi reports its first $1 billion revenue quarter in Q4 2025 and projects a 30% year-over-year revenue growth and a 52% increase in Adjusted EBITDA for 2026.The company focuses on expanding margins and transitioning towards capital-light, fee-based revenues, with a loan platform performing well and cross-selling efforts reaching 40%.SoFi Technologies (NASDAQ:SOFI) is a financial technology company that offers a r ...

Core Viewpoint - State Bank of India (SBI) reported a strong third-quarter net profit of ₹21,030 crore, exceeding estimates by 18%, driven by higher fee income and lower provisions, leading to bullish price targets from various brokerages, with some reaching as high as ₹1,300 [1][10]. Financial Performance - Net interest income increased by 9% year-on-year and 5% quarter-on-quarter to ₹45,190 crore, aligning with estimates [6][11]. - The net interest margin improved to 2.99%, with domestic margins rising to 3.12%, and the bank anticipates margins above 3% in fiscal 2026 and beyond [6][11]. - The loan book grew by 15.6% year-on-year and 6.1% quarter-on-quarter, while deposits increased by 9% and 2%, respectively [9][11]. Brokerage Ratings and Price Targets - Jefferies maintained a Buy rating with a price target of ₹1,300, up from ₹1,190, citing a 1.5x valuation on adjusted book value for March 2028 and projecting a 12% compound annual growth in core profit over fiscal 2026-28 [2][10]. - Motilal Oswal matched the ₹1,300 target, valuing the bank at 1.4 times fiscal 2028 adjusted book value plus ₹354 for subsidiaries, while raising earnings estimates by 3% and 4.3% for fiscal 2027-28 [3][10]. - Nomura raised its target price to ₹1,235 from ₹1,100, reflecting an improved return on equity outlook [7][11]. - JP Morgan maintained an Overweight rating and increased its price target to ₹1,250, revising fiscal 2026 earnings estimates by 7% [7][8][11]. - BofA Securities adopted a more cautious stance, maintaining a Neutral rating with a new price objective of ₹1,100, citing balanced risk-reward at current valuations [9][11]. Asset Quality and Capital Adequacy - The bank's asset quality showed improvement, with slippages moderating and credit costs remaining low at 29 basis points [3][11]. - The CET-1 capital adequacy ratio stood at 11%, indicating a healthy capital position [2][10].

Country’s largest lender State Bank of India (SBI) on Saturday reported 24 per cent year-on-year (y-o-y) rise in Q3FY26 net profit at ₹21,028 crore, led by strong loan growth and stable asset quality. SBI’s net interest income (NII) grew 9 per cent on year to ₹45,190 crore, while net interest margin stood at 2.99 per cent, up 2 basis points (bps) on quarter, and is expected to rise above 3 per cent in next quarter, said Chairman CS Setty. The bank received a special dividend of ₹2,200 crore from its subsidi ...

Core Viewpoint - The banking sector is outperforming the broader market despite concerns about potential losses from software companies due to recent developments in artificial intelligence [1][9]. Group 1: Banking Sector Performance - Traditional financial institutions have seen steady gains while tech stocks have been declining [2]. - Large and regional bank stocks have increased over the last month, while the S&P Software Index has dropped more than 20% [9][12]. - The KBW Nasdaq Bank Index is up over 2% in the last month, and the KBW Nasdaq Regional Bank Index has risen nearly 11% [12]. Group 2: Exposure to Software Sector - It is challenging to determine the extent of banks' exposure to the software sector, as many do not break down their loan portfolios by sector [3]. - Bank of America reported approximately $14.6 billion in utilized loans to the software industry, representing about 1.8% of its total utilized commercial credit exposure as of September 30, 2025 [4]. - Analyst estimates suggest that tech loans constitute less than 3% of total loan books across the banking industry [4]. Group 3: Historical Context and Investor Behavior - The banking sector's relative stability is reminiscent of its performance after the dot-com bubble burst in 2000, where banks largely remained unscathed despite some credit losses [9][13]. - Investors are currently seeking refuge in the banking sector due to its predictability and lower disruption risk compared to the volatile tech sector [11][13]. - The influx of new investors into the banking sector has contributed to its recent outperformance [14][15].

Brokerages remain divided on the extent of net profit moderation. While Emkay Research remains most optimistic among its peers, pegging the decline at 4%, Nuvama Institutional Equities, YES Securities and Elara Capital see a double-digit decline. The bottom line range is 17,190 crore to Rs 19,430 crore, the estimates revealed.The lender is expected to see a sequential growth of 2.7%-4% in Q3 at Rs 44,162 crore to Rs 44,599 crore. India's largest lender will announce its October-December quarter earnings on ...

OTTAWA, Ill., Feb. 05, 2026 (GLOBE NEWSWIRE) -- Ottawa Bancorp, Inc. (the “Company”) (OTCQX: OTTW), the holding company for OSB Community Bank (the “Bank”), announced net income of $0.3 million, or $0.14 per basic and diluted common share, for the three months ended December 31, 2025, compared to net income of $0.5 million, or $0.21 per basic and diluted common share, for the three months ended December 31, 2024. For the twelve months ended December 31, 2025, the Company announced net income of $1.7 million ...

Core Viewpoint - Blue Ridge Bankshares, Inc. (BRBS) has shown a return to profitability in Q4 2025, despite a sequential decline in earnings, and is positioned for growth in the upcoming year following the termination of a regulatory consent order [2][6]. Financial Performance - For Q4 2025, BRBS reported net income of $4.2 million, or $0.04 per diluted share, compared to a net loss of $2 million, or $0.03 per share, in Q4 2024, indicating a year-over-year improvement [2]. - Net interest income for the quarter was $18.1 million, down from $19.1 million in Q4 2024, reflecting lower average interest-earning asset balances [2]. - Noninterest income was $2.7 million, largely unchanged from $2.8 million a year earlier, while noninterest expense decreased by 34% to $16.9 million from $25.6 million in the prior-year quarter [3]. - For the full year, BRBS posted net income of $10.7 million, or $0.11 per diluted share, compared to a net loss of $15.4 million, or $0.31 per share, in 2024 [3]. Asset Quality and Capital Position - Nonperforming loans decreased to $23.8 million, representing 0.98% of total assets as of Dec. 31, 2025, down from $28.6 million, or 1.14%, at the end of the prior quarter [4]. - Total assets decreased to $2.43 billion as of Dec. 31, 2025, from $2.74 billion a year earlier, primarily due to reductions in loans and brokered deposits [5]. - Capital ratios remained strong, with a tangible common equity ratio of 13.2%, despite declines from the prior quarter due to dividend payments and share repurchases [5]. Management Insights - Management described 2025 as a "breakthrough year," highlighting the termination of a regulatory consent order in November 2025, which is expected to lower borrowing costs and provide greater flexibility for capital decisions [6]. - The company reduced headcount by over 30% from year-end 2024 to year-end 2025, transitioning towards a more traditional community banking model [6]. Influencing Factors - The quarterly results were affected by non-recurring items, including a $1.5 million pre-tax recovery of credit losses and $0.4 million of pre-tax income related to the sale of mortgage servicing rights [7]. - The net interest margin declined to 3.04% from 2.80% in Q4 2024, and sequentially from 3.60% in Q3 2025, partly due to the absence of loan fee income [8]. Future Outlook - While BRBS did not provide formal financial guidance, management anticipates mid-single-digit balance sheet growth and positive momentum entering the new year, supported by an improving loan pipeline [10]. Other Developments - During the quarter, BRBS paid a special cash dividend of $0.25 per share, totaling approximately $29.1 million, and continued its share repurchase program, buying back 802,735 common shares for $3.4 million [11]. - Earlier in 2025, BRBS completed the sale of its mortgage division, contributing to the decline in noninterest income from mortgage-related activities [12].