21% more press release views with Request a Demo Accessibility StatementSkip Navigation COLUMBUS, Miss., Nov. 19, 2025 /PRNewswire/ -- BankFirst Capital Corporation (OTCQX: BFCC) (the "Company") announced today that its Board of Directors declared a cash dividend of $1.05 per share payable December 10, 2025, to shareholders of record as of December 1, 2025. Moak Griffin, President and Chief Executive Officer of the Company and BankFirst Financial Services, the Company's wholly-owned subsidiary bank, state ...

Financial Data and Key Metrics Changes - The company reported a strong net income of BRL 11.9 billion, reflecting a growth of 3.2% compared to Q2 2025 and 11.3% year over year [3] - The consolidated Return on Equity (ROE) reached 23.3%, with Brazil's ROE at 24.2%, indicating profitability expansion [3][4] - The Common Equity Tier 1 (CET1) capital ratio increased to 13.5%, with a profitability level of nearly 27% in Brazil [4][29] Business Line Data and Key Metrics Changes - The loan portfolio grew to BRL 1.4 trillion, up 0.9% from Q2 and 6.4% year over year, with a 1.7% growth excluding foreign exchange impact [5] - Mortgage loans increased by 2.0% quarter over quarter and 15.2% year over year, with a market share of 47% among private banks [6] - The SME loan portfolio rose by 1.1% in the quarter and 7.5% year over year, with government programs showing a growth of 10.9% in the quarter [11][12] Market Data and Key Metrics Changes - The company reported a total transaction volume of BRL 258 billion, an increase of 6.6% in the quarter and 12.8% year over year [17] - The revenue from advisory services and brokerage grew by 33.7% in the quarter, although it declined for the nine-month period due to last year's exceptional performance [18] Company Strategy and Development Direction - The company aims to maintain a balanced portfolio with solid results in both wholesale and retail businesses, focusing on long-term value creation [31] - The management emphasized the importance of capital discipline and efficient growth, particularly in a mixed macroeconomic scenario [35][39] Management's Comments on Operating Environment and Future Outlook - The management acknowledged the challenges posed by high interest rates and a selective credit market but expressed confidence in finding growth opportunities [35] - The company is committed to a proactive approach in managing its portfolio and capital allocation, ensuring a robust capacity to react to market changes [36] Other Important Information - The efficiency ratio for the nine-month period was reported at 36.9% in Brazil, the lowest in the industry compared to peers [27] - The company updated its guidance for market NII, narrowing the range to between BRL 3 billion and BRL 3.5 billion for the year [30] Q&A Session Summary Question: How does the current macroeconomic scenario affect strategic decisions for 2026? - The management highlighted the importance of maintaining a strong discipline in capital allocation and emphasized the existence of growth opportunities despite uncertainties [35] Question: What is the trajectory for the SME segment, particularly regarding government programs? - The management expressed confidence in the growth of the SME segment, citing effective management of government programs and a commitment to quality client selection [40][41] Question: Can you elaborate on client margins and the dynamics affecting them? - The management explained that recent fluctuations in margins were influenced by seasonal factors and the performance of structured operations, indicating a return to stability moving forward [44][46]

Core Insights - Pinnacle Bankshares Corporation reported a net income of $2,992,000 for Q3 2025, a 44% increase from Q3 2024, and a year-to-date net income of $7,943,000, reflecting a 25% increase compared to the same period in 2024 [1][5][26] Financial Performance - Net interest income for Q3 2025 was $10,227,000, a 14% increase from $8,941,000 in Q3 2024, driven by higher loan volume and yields on earning assets [5][8] - Noninterest income rose by 16% in Q3 2025 to $2,044,000, primarily due to increased commissions from investment and insurance product sales [12][13] - Noninterest expense increased by 8% in Q3 2025 to $8,567,000, mainly due to higher salaries and benefits [14][16] Profitability Metrics - Return on average assets (ROA) improved to 1.03% for the nine months ended September 30, 2025, compared to 0.86% for the same period in 2024 [4][26] - Return on average equity (ROE) increased to 12.76% for the nine months ended September 30, 2025, up from 11.76% in the same period of 2024 [4][26] Balance Sheet Overview - Total assets as of September 30, 2025, were $1,030,398,000, a 1% decrease from $1,043,994,000 at the end of 2024 [17][26] - Total loans increased by $18.4 million, or 2.6%, while total securities decreased by $30.5 million, or 17% [17][26] - Total liabilities decreased by 2% to $942,706,000, primarily due to a reduction in deposits [20][26] Asset Quality and Credit Losses - The provision for credit losses was $29,000 in Q3 2025, down from $136,000 in Q3 2024, reflecting improved asset quality [10][11] - Nonperforming loans to total loans decreased to 0.18% as of September 30, 2025, compared to 0.22% at year-end 2024 [11][26] Stock Performance - The stock price at the end of Q3 2025 was $37.58 per share, representing a 20.4% increase from the previous quarter [5][26]

Core Insights - Pinnacle Bankshares Corporation reported a net income of $2,992,000 for Q3 2025, a 44% increase from $2,085,000 in Q3 2024, and a year-to-date net income of $7,943,000, up 25% from $6,377,000 in the same period last year [1][4][6] Financial Performance - Net interest income for Q3 2025 was $10,227,000, a 14% increase from $8,941,000 in Q3 2024, driven by higher loan volume and yields on earning assets [6][9] - Noninterest income rose by 16% to $2,044,000 in Q3 2025, compared to $1,763,000 in Q3 2024, primarily due to increased commissions from investment and insurance product sales [13] - Noninterest expense increased by 8% to $8,567,000 in Q3 2025, attributed to higher salaries and benefits [15][17] Profitability Metrics - Return on average assets (ROA) improved to 1.03% for the nine months ended September 30, 2025, compared to 0.86% for the same period in 2024 [5][28] - Return on average equity (ROE) increased to 12.76% for the nine months ended September 30, 2025, up from 11.76% in the same period of 2024 [5][28] Balance Sheet Highlights - Total assets as of September 30, 2025, were $1,030,398,000, a decrease of 1% from $1,043,994,000 at the end of 2024 [18][28] - Total loans increased by 2.6% to $730,297,000, while total securities decreased by 17% to $145,363,000 [18][28] - Total stockholders' equity rose to $87,692,000 as of September 30, 2025, compared to $78,386,000 at the end of 2024, primarily due to year-to-date profitability [22][28] Asset Quality and Credit Losses - The provision for credit losses was $29,000 in Q3 2025, down from $136,000 in Q3 2024, reflecting improved asset quality [11][12] - Nonperforming loans to total loans decreased to 0.18% as of September 30, 2025, compared to 0.22% at year-end 2024 [12][28] Capital Management - The company paid off $8,000,000 in subordinated debt and a $2,000,000 promissory note in September 2025, enhancing its financial strength [8] - The liquidity ratio stood at 28.3% as of September 30, 2025, indicating strong liquidity management [20][28]

Core Viewpoint - Equity Bancshares, Inc. will announce its third quarter financial results on October 14, 2025, followed by a conference call on October 15, 2025, to discuss the earnings [1][2]. Financial Results Announcement - The third quarter financial results will be released after market close on October 14, 2025 [1]. - A conference call will be held on October 15, 2025, at 10 a.m. Eastern Time to discuss the results [2]. Company Overview - Equity Bancshares, Inc. is the holding company for Equity Bank, providing a range of financial solutions including commercial loans, consumer banking, mortgage loans, and wealth management services [3]. - The company's common stock is traded on the New York Stock Exchange under the symbol "EQBK" [3]. Contact Information - Media Contact: Russell Colburn, Public Relations & Communications Manager, Equity Bancshares, Inc. [7] - Investor Contact: Brian J. Katzfey, VP, Director of Corporate Development and Investor Relations, Equity Bancshares, Inc. [7]

Core Insights - F & M Bank reported second-quarter 2025 earnings with a notable expansion in net interest margin and improvement in tangible book value per share, while maintaining a stable quarterly dividend [1][5][10] Financial Performance - Earnings per share (EPS) for Q2 2025 were $0.84, a decrease of 2.3% from $0.86 in Q2 2024 [2] - Net interest margin increased to 3.48%, up 0.76 percentage points from 2.72% in the previous year [2] - Return on average equity decreased to 12.81% from 15.58% year-over-year [2] - Tangible book value per share rose to $25.68, reflecting a 13.5% increase from $22.62 in Q2 2024 [2][7] Revenue and Income Sources - The bank's net income (GAAP) reached $3.0 million, a 21% increase from the previous quarter [5] - Noninterest income declined slightly due to lower mortgage and advisory fees, but was partially offset by gains in card and title service revenue [6] Loan Portfolio and Asset Quality - Total loans held for investment increased to $848.8 million, with residential mortgage loans and farmland-secured loans driving growth [8] - Asset quality metrics showed mixed results, with nonperforming loans rising to 0.90% of total loans and a provision for credit losses of $1.2 million [9] Capital and Liquidity - The bank's capital ratios remain strong, with a leverage ratio of 8.89% and a total risk-based capital ratio of 13.73%, well above regulatory minimums [9] - The liquidity position was stable, with over $211 million available on the balance sheet as of June 30, 2025 [10] Future Outlook - Management expressed confidence in steady loan demand into the third quarter, although no formal guidance on future earnings or revenue was provided [11] - Key trends to monitor include asset quality metrics, deposit trends, and underlying core margin and loan yields [12]

Core Insights - BankFirst Capital Corporation reported a net income of $6.88 million, or $1.07 per common share, for Q2 2025, showing an increase from $6.43 million, or $0.98 per share, in Q1 2025, but a slight decrease from $6.52 million, or $1.09 per share, in Q2 2024 [1][5]. Financial Performance - Net interest income for Q2 2025 was $23.07 million, up from $20.77 million in Q2 2024 [5][10]. - Total assets increased by 3% to $2.85 billion as of June 30, 2025, compared to $2.76 billion a year earlier [5][6]. - Total deposits rose by 3% to $2.38 billion as of June 30, 2025, from $2.32 billion at the same time last year [5][7]. - The company's net interest margin improved to 3.71% in Q2 2025, up from 3.46% in Q2 2024 [10]. Acquisition and Growth - The company completed the acquisition of Magnolia State Corporation on July 1, 2025, which expanded its branch network and total assets to approximately $3.32 billion [4][26]. - Following the acquisition, the company now operates 52 locations in Mississippi and Alabama [5][26]. Credit Quality - The ratio of non-performing assets to total assets was 0.50% as of June 30, 2025, compared to 0.41% a year earlier [5][15]. - The allowance for credit losses was $24.05 million, representing 1.31% of total loans as of June 30, 2025 [16]. Capital and Liquidity - The company had available liquidity sources totaling approximately $977.96 million as of June 30, 2025 [5][18]. - The capital conservation buffer was maintained above the regulatory minimum, with a Community Bank Leverage Ratio (CBLR) of 9.89% as of June 30, 2025 [24]. Stock Performance - The closing price of the company's common stock was $40.50 per share on June 30, 2025, resulting in a market capitalization of approximately $219.89 million [13].

Core Insights - Pinnacle Bankshares Corporation reported a net income of $2,690,000 for Q2 2025, a 22% increase from $2,208,000 in Q2 2024, and $4,951,000 for the first half of 2025, up 15% from $4,292,000 in the same period of 2024 [1][3][7] Income Statement Highlights - Net interest income for Q2 2025 increased by 14% to $10,067,000 compared to $8,818,000 in Q2 2024, driven by higher loan volume and yields on earning assets [8][9] - Noninterest income rose by 15% to $2,085,000 in Q2 2025, primarily due to increased sales of investment and insurance products [12] - Noninterest expense increased by 14.5% to $8,795,000 in Q2 2025, mainly due to higher salaries and benefits [14] Profitability Metrics - Return on average assets (ROA) improved to 0.97% for the first half of 2025, up from 0.87% in the same period of 2024 [4][28] - Return on average equity (ROE) remained stable at 12.16% for the first half of 2025, consistent with the same period in 2024 [4][28] Balance Sheet and Capital Ratios - Total assets as of June 30, 2025, were $1,040,560,000, a slight decrease from $1,043,994,000 at the end of 2024 [16] - Total loans increased by 2% to $726,539,000, while total securities decreased by 17% to $145,290,000 [16] - The liquidity ratio stood at 30% as of June 30, 2025, indicating strong liquidity [19] Asset Quality - The provision for credit losses was significantly reduced to $73,000 in Q2 2025 from $242,000 in Q2 2024, reflecting strong asset quality [10] - Nonperforming loans to total loans decreased to 0.13% as of June 30, 2025, compared to 0.22% at year-end 2024 [11][28] Stock Performance - The stock price at the end of Q2 2025 was $33.01 per share, representing a 5.8% increase from the previous quarter [7][28]

Market Overview - The stock market has started June positively, with Wall Street aiming to push the S&P 500 and Nasdaq to new all-time highs, supported by cooling trade war tensions, lower inflation, and strong earnings results driven by tech growth and AI spending [1] - However, achieving these highs may be challenging until the second quarter earnings season begins in mid-July, unless there are significant updates on trade wars or declining long-term yields [2] Stock Screening Strategy - The stock screening process utilizes the Research Wizard to identify Zacks Rank 1 (Strong Buy) stocks, focusing on those with upward price momentum and trading within 20% of their 52-week highs [3][4] - The screening criteria include a PEG ratio and Price to Sales ratio to ensure value, ultimately narrowing down to seven stock picks [4] Featured Stock: Popular (BPOP) - Popular (BPOP) is highlighted as a leading financial services company in Puerto Rico, the U.S., and the Virgin Islands, being the largest bank in Puerto Rico by assets and deposits [5][7] - The company has shown strong performance, with a recent quarter that exceeded expectations, leading to a 5% increase in FY25 consensus earnings estimates and a 9.4% increase for 2026 [9] - BPOP's adjusted EPS is projected to grow by 17% this year and 20% next year, supported by a 7% increase in sales for both periods [9] Performance Metrics - Over the past decade, BPOP's stock has increased by 210%, significantly outperforming the Zacks Finance sector, including a 14% rise in 2025 [10] - The stock recently reached 52-week highs and is currently trading 8% below its average Zacks price target, indicating potential for further growth [10] - BPOP trades at a 45% discount to the Finance sector with a forward earnings multiple of 9.2X, which is in line with its 10-year median [14] - The company offers a dividend yield of 2.65%, which is competitive within its industry, with a majority of brokerage recommendations being "Strong Buys" or "Buys" [14]