Starwood Property Trust (NYSE:STWD) Q4 2025 Earnings call February 25, 2026 10:00 AM ET Company ParticipantsBarry Sternlicht - Co-Founder, Chairman, and CEOJeffrey DiModica - President and Managing DirectorRina Paniry - CFOSean Murdock - President of Starwood Infrastructure FinanceZachary Tanenbaum - COO and Head of Investor RelationsConference Call ParticipantsDon Fandetti - Managing Director and Senior Equity Research AnalystGabe Poggi - Senior Equity Research AnalystJade Rahmani - Managing Director and S ...

Core Insights - Rithm Capital Corp. (NYSE:RITM) is identified as a high-growth, low P/E stock with strategic progress made in 2025, resulting in 19% of earnings available for distribution to equity holders [1] - The company reported strong fourth-quarter and full-year results, highlighting durable momentum from acquisitions and a diversified alternative asset management platform, ending the year with over $100 billion in investable assets [2] - Net income for the fourth quarter was $53.1 million, or $0.09 per share, while earnings available for distribution totaled $418.9 million, or $0.74 per share; for the full year, net income reached $567.2 million, or $1.04 per diluted share, with earnings available for distribution of $1.3 billion, or $1.4 per common share [3] Strategic Positioning - As Rithm enters 2026, it is well-positioned for growth due to strategic investments across asset management, Newrez, Genesis, and its investment portfolio, providing a strong foundation to capture opportunities for clients and shareholders [4] - The company operates as a global asset manager and Real Estate Investment Trust (REIT), focusing on real estate, credit, and financial services sectors, managing investments in mortgage servicing rights, residential loans, commercial real estate, and consumer loans [5]

4Q25 Update (Nasdaq: BHRB) January 2026 1 Cautionary Statement Regarding Forward-Looking Information Cautionary Note Regarding Forward Looking Statements This presentation includes "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including with respect to (or based on) the beliefs, goals, intentions, and expectations of Burke & Her ...

Financial Performance - The company's total assets reached $7.9 billion[10] - Total gross loans amounted to $5.6 billion[10] - Total deposits were $6.4 billion[10] - The return on average assets was 1.50%[10] - The return on average equity was 14.88%[10] - Net income was $30.0 million[20] - Diluted earnings per share (EPS) were $1.97[20] Key Ratios and Metrics - The loan-to-deposit ratio was 86.7%[20, 38] - Uninsured deposits represented 31.5% of total deposits[20, 38] - The efficiency ratio was 56.3%[20] - The total risk-based capital ratio was 15.37%[20] - Tangible book value per common share was $48.72, with a growth of 15.8% from 4Q24 to 3Q25[20, 21]

Financial Performance - Net income reached $299 million[20] - Diluted earnings per share (EPS) amounted to $197[20] - The net interest margin stood at 417%[20] - Return on average assets was 151%[10] - Return on average equity was 1550%[10] Balance Sheet & Capitalization - Total assets reached $81 billion[10] - Total gross loans amounted to $56 billion[10] - Total deposits reached $64 billion[10] - The loan-to-deposit ratio was 875%[20,37] - Uninsured deposits represented 307% of total deposits, totaling $196 billion[20,37] - Total risk-based capital ratio was 1526%[20]