Financial Performance - The company reported net sales of $2.2 billion [16] - Organic sales decreased by 1.0% [16, 20, 29, 33] - Adjusted EPS was $2.42, comparable to the prior year [13, 16] - Adjusted EBITDA margin increased by 20 bps to 16.6% [18] - Strong adjusted free cash flow (FCF) was $189 million [17] Segment Performance - Materials Group reported sales increased 0.2% to $1.6 billion [29] - Solutions Group reported sales decreased 2.6% to $670 million [33] - High-value categories delivered sales of approximately $1.0 billion, up low single digits (LSD) organically and up mid-single digits (MSD) excluding estimated impact of tariffs [19] - Base categories delivered sales of approximately $1.2 billion, down LSD organically [19] Outlook and Strategy - The company expects adjusted EPS of $2.24 to $2.40 in Q3 2025 [14, 42] - The company anticipates slight sales growth versus the prior year [44] - The company is targeting approximately 100% adjusted FCF conversion [44]

Q2 2025 Highlights - Lots Contracted for Sale increased by 41% from Q2 FY 2024 to 25,400 lots[14] - Lot Position increased by 11% from Q2 FY 2024 to 105,900 lots[14] - Book Value Per Share increased by 10% from Q2 FY 2024 to $3236[14] - Revenues increased 5% to $351 million on 3,411 lots sold[17] - Real estate book value increased 30% year-over-year to $28 billion at March 31, 2025[17] Financial Position - Earnings per diluted share of $062 on net income of $316 million[17] - Pre-tax income of $407 million[17] - Net debt to capital of 298%, with total liquidity of $792 million[17] - The company issued $500 million of 650% senior unsecured notes due 2033[17] - The company completed a tender offer to purchase $3294 million of existing 385% senior unsecured notes due 2026[17] Strategic Goals and Market Position - Forestar targets a return on average inventory of >15% and return of phase 1 investment within 36 months[21] - Pre-tax profit margin of 151% for Q2 TTM FY 2025[22] - Forestar is targeting 5% market share within the US single-family residential lot development industry[49] - Owned lots under contract to sell increased 41% year-over-year to 25,400 lots, representing 37% of the owned lot position[84]

Financial Performance - Steel Dynamics reported a net income of $299 million[12], with diluted earnings per share (EPS) of $2.01[12] - The company's adjusted EBITDA was $533 million, representing a 12% margin[12] - Steel Dynamics generated $302 million in cash flow from operations[12] - The company repurchased 1.1% of its outstanding shares, amounting to $200 million[12] - Net sales reached $4.6 billion[12] Operational Highlights - Steel average external sales price per ton was $1,134, a 14% sequential increase[16] - Total steel shipments amounted to 3,350 thousand tons[16] - Ferrous recycling shipments reached 1,597 thousand gross tons[16] - Nonferrous recycling shipments totaled 246 million pounds[16] Strategic Investments and Growth - The company is ramping up operations at its new Sinton, Texas flat roll steel mill, a $1.9 billion greenfield investment[34] - Steel Dynamics is investing $2.7 billion in a greenfield aluminum flat roll mill with a production capacity of 650,000 tonnes[34] - The company is investing approximately $300 million in a biocarbon production facility with a planned capacity of 228,000 metric tons[34] Sustainability - Steel Dynamics aims to reduce Scope 1 steelmaking GHG emissions by as much as 35% with its biocarbon investment[34, 80] - The company increased its use of renewable electrical energy to 14% within its steel mills[52]

Financial Performance Highlights - Net income reached $21.2 million, translating to $0.59 of diluted earnings per share[11] - Annualized loan growth was 11%[11] - Book value per share grew 1%, while tangible book value per share increased 2%, to $32.33 and $21.18, respectively[11] - Net interest income increased over $2 million, and net interest margin expanded 3 basis points[11] - Excluding accretion income, net interest margin expanded 8 basis points[11] Loan Portfolio and Asset Quality - Total loan balances grew 11% annualized compared to March 31, 2025[15] - The allowance for credit losses grew to 1.13% of total loans[11, 25] - Annualized net charge-off rate declined to 43 basis points[11, 27] - Small-ticket lease balances comprised 2% of total loan balances at June 30, 2025[18, 22] North Star Leasing - North Star Leasing balances comprised only 2% of Peoples' total loan portfolio at June 30, 2025[18] - The North Star portfolio origination yield (before accounting adjustments) is around 20%[18] Net Interest Income and Margin - Net interest income grew over $2 million compared to the linked quarter, and net interest margin expanded 3 basis points[11, 37] - Accretion income declined $0.9 million[37] Deposits - Second quarter 2025 deposits declined $81 million, or 1%, compared to the linked quarter, excluding brokered CDs[51]

Financial Performance - Sales reached $238 million, a 10% increase year-over-year, although 5% excluding SmartCover[7] - Operating margin decreased by 40 bps to 18.8%[7] - EPS grew by 4% year-over-year to $1.17 per share[7] - Free cash flow increased by 19% year-over-year to $41 million[7] - Gross margin improved by 170 bps to 41.1%[8] Business Segments - Utility water sales increased by 11% (6% excluding SmartCover)[8] - Flow instrumentation sales were essentially flat[8] Sustainability - The company reduced GHG emissions intensity by 55% since 2020[15] - The company reduced internal water usage intensity by 30%[15] - The company aims to reduce future GHG intensity by 30% using 2024 as the next baseline[15] Outlook - The company anticipates long-term shareholder value creation with favorable demand and industry dynamics[16]

Financial Performance - Sales reached $182 billion[6], while segment operating profit was $06 billion[6], resulting in a segment operating margin of 31%[6] - Earnings per share (EPS) amounted to $146[6], with a book-to-bill ratio of 07x[6] and free cash flow of negative $02 billion[6] - The company allocated $05 billion to share repurchases and $08 billion to dividends, alongside $08 billion for independent research & development and capital expenditures[6] Segment Results - Aeronautics sales increased by 2% to $7420 million[8, 9], but operating profit decreased by 113% to negative $98 million[8, 10], impacted by a $950 million loss on a classified program[9] - Missiles & Fire Control (MFC) experienced an 11% increase in sales to $3433 million[13, 14], with a 6% rise in operating profit to $479 million[15] - Rotary & Mission Systems (RMS) saw a 12% decrease in sales to $3995 million[18, 19], and a 135% decrease in operating profit to negative $172 million[18, 20], due to program loss impacts[19] - Space segment sales increased by 4% to $3307 million[23, 24], with a 5% rise in operating profit to $362 million[25] 2025 Outlook - The company reaffirmed its sales outlook of $73750 - $74750 million, representing a year-over-year growth of 4%-5%[28] - Full year guidance for segment operating profit was updated to $6600 - $6700 million[28] - Free cash flow outlook was reaffirmed at $6600 - $6800 million[28], with share repurchases expected to be around $3000 million[28]

Second Quarter 2025 Earnings Presentation July 22, 2025 © 2025 MSCI Inc. All rights reserved. Introduction → Forward-Looking Statements 2 → This earnings presentation contains forward- looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including without limitation, MSCI's Full-Year 2025 guidance and MSCI's long-term targets. These forward-looking statements relate to future events or to future financial performance and involve underlying assumptions, as well as kn ...

2Q25 Corporate Presentation MACRO OVERVIEW 1. About us Listed on the Lima Stock Exchange (BVL: CPACASC1-PE) since 1995 and on the New York Stock Exchange (NYSE: CPAC) since 2012 We are a leading Peruvian cement company, with over 67 years of operating history As of Jun-25 LTM, Pacasmayo's cement shipments reached 2.9 million MT Quarterly Highlights S/ 484.1 5.9% Compared to 2Q24 26.9% 0.8 p.p Compared to 2Q24 S/ 130.2 million 9.0% Compared to 2Q24 SALES VOLUME SALES OF GOODS EBITDA million EBITDA MARGIN Sha ...

Financial Performance Highlights - The company's reported EPS was $0.34, while the adjusted EPS reached $0.53[9] - Net income was reported at $121 million, with an adjusted net income of $191 million[9] - Return on average tangible common equity was 12%, and the adjusted return on average tangible common equity was 18.1%[9] Balance Sheet Strength - Total loans increased by 32% year-over-year to $47.98 billion[11] - Total deposits grew by 36% year-over-year to $54.358 billion[11] - Available-for-sale securities increased by 55% year-over-year to $11.005 billion[11] Bremer Acquisition Impact - The acquisition of Bremer was completed on May 1, 2025, strengthening the company's presence in the Midwest[10] - The Day 2 Provision (non-PCD loans & unfunded loan commitments) was $76 million[53] - Core deposit intangibles related to the Bremer acquisition amounted to $397 million[53] Net Interest Income and Margin - Net interest income (FTE) increased by 33% compared to the previous quarter, reaching $522 million[27] - Net interest margin (NIM) (FTE) increased by 26 bps from the previous quarter to 3.53%[27]

Investor Presentation July 2025 Investor Presentation – July 2025 Forward-Looking Statements This presentation contains statements or information that may constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by words such as: "anticipates," "intends," "plans," "goal," "seeks," "believes," "projects," "estimates," "expects," "indicates," "strategy," "future," "is likely," "may," "should," "will," and var ...