Financial Performance - Net sales remained flat at $758 million in Q3 2025 compared to Q3 2024[2] - Net income decreased significantly by 80% from $58 million in Q3 2024 to $12 million in Q3 2025[2] - Diluted EPS decreased by 80% from $1.62 in Q3 2024 to $0.32 in Q3 2025[2] - For the year-to-date, net sales decreased by 1% from $1,984 million in 2024 to $1,973 million in 2025[3] - Year-to-date net income decreased by 78% from $124 million in 2024 to $28 million in 2025[3] Segment Performance - U S Retail net sales increased by 3% while operating margin decreased by 490 bps to 2 8%[6,8] - U S Wholesale net sales decreased while operating margin decreased by 560 bps to 15 5%[6,10] - International net sales increased by 5% while operating margin decreased by 140 bps to 8 2%[6,13] Strategic Initiatives and Outlook - The company is planning a 15% reduction-in-force of office-based roles, expected to save approximately $35 million annually[27] - The company plans to close 150 low-margin stores to improve store portfolio productivity[28] - The company estimates a $200 million to $250 million annualized pre-tax earnings impact from additional proposed tariffs[33]

American Water & Essential Utilities Merger Participants in the Solicitation American Water, Essential Utilities and certain of their respective directors and executive officers may be deemed to be participants in the solicitation of proxies from American Water's and Essential Utilities' respective shareholders in connection with the proposed merger. Information about the directors and executive officers of American Water, including a description of their direct or indirect interests, by security holdings o ...

Partnering with Cadence to Create a Premier Regional Franchise October 27, 2025 Disclaimer CAUTION REGARDING FORWARD-LOOKING STATEMENTS The information contained or incorporated by reference into this presentation may contain for ward-lookino statements, including, but notlimited to, esetain plains, excep about the benefits of the proposed transaction, the plans, colyectives, expectations and intentions of Huntington Bencshares Incroporated/ ("Huntinqton") and Cadence Bank ( oompletion of the transaction, a ...

Transaction Overview - American Water and Essential Utilities will merge in a tax-free, all-stock transaction[16] - The combined company will have a market capitalization of $40 billion and an enterprise value of $63 billion[16] - The fixed exchange ratio is 0305 American Water shares for each Essential Utilities share[16] - American Water shareholders will own 69% and Essential Utilities shareholders will own 31% of the combined company[16] - The merger is targeted to close by the end of Q1 2027[16] Financial and Growth Outlook - The merger is expected to result in EPS growth of 7%-9% and DPS growth of 7%-9%[16] - The combined company targets rate base growth of 8%-9%, including acquisitions[26] - The combined company's 5-year capital investment plan is $28 billion[42] Combined Company Profile - The combined company will serve 54 million U S connections[29] - The combined company's 2024A rate base is $34 billion, expected to reach $41 billion by 2026E[29] - The combined company will operate across 17 regulated states[29] - Pennsylvania will account for 28% of the combined company's water & wastewater total rate base[33] Strategic Benefits - The merger will create a top 10 large-cap pure-play utility[24] - The merger will solidify the company's position as a premier partner-of-choice water utility for municipal providers[25] - The merger will enhance financial strength and expand the low-risk foundation[50]

Pipeline Highlights - Neumora is advancing a broad neuroscience pipeline targeting prevalent diseases with novel mechanisms [18] - Multiple catalysts are expected over the next 12 months, including data readouts for Navacaprant and NMRA-511, and advancing NMRA-861 and NMRA-898 to the clinic [20, 21] NMRA-215 (Obesity) - By 2030, 1.13 billion people worldwide are projected to be living with obesity, driving a significant market for obesity treatments estimated at $130-$170 billion [26] - NMRA-215 demonstrated best-in-class monotherapy weight loss of up to 19% in preclinical studies [29, 47] - Combination therapy with NMRA-215 and semaglutide resulted in up to 26% weight loss [30, 50] - NMRA-215 monotherapy matches semaglutide weight loss, while preserving lean mass [56] NMRA-511 (Alzheimer's Disease Agitation) - Approximately 7 million U S adults have Alzheimer's Disease, and this number is expected to increase to 13 million by 2050 [19, 72] - Over 70% of people with Alzheimer's Disease experience agitation at some point [72] - NMRA-511 Phase 1b study data is anticipated around the end of 2025 [66, 142] M4 PAM Franchise (Schizophrenia) - An estimated 3 million patients in the U S have schizophrenia [19, 100] - Neumora has multiple chemically distinct, highly selective M4 muscarinic receptor PAMs, including NMRA-861 and NMRA-898 [99] - NMRA-861 and -898 potentially have more potency than emraclidine across multiple assays [116]

October 27 2025 Q3 2025 Results Presentation This announcement contains forward-looking statements. These statements are made under the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "guidance" and similar statements. Among other things, the outlook for the fourth quarter and the full year of 2025 and quotat ...

Transaction Overview - Novartis will acquire all outstanding shares of Avidity for USD 7200 per share in cash, representing a 46% premium to the October 24 closing price[8] - The total transaction value is USD 12 billion on a fully diluted basis, representing an enterprise value of approximately USD 11 billion at the expected closing date[80] - The transaction is expected to close in H1 2026, pending SpinCo separation and customary conditions[8,80] Strategic Rationale - The acquisition strengthens the Neuroscience franchise by adding three late-stage neuromuscular programs[14] - It enhances the mid-to-long-term growth profile, with substantial sales and profit growth expected through the 2040s, and LOEs not before 2042 and IRA-exempt[14] - Avidity raises Novartis' expected 2024-2029 sales CAGR from +5% to +6%, bolstering mid-single-digit long-term growth[21,80] Avidity's Core Value Drivers - Del-desiran is on track to be the first approved drug for DM1, targeting approximately 80,000 patients in the US and Europe[28,29] - Del-brax is on track to be the first approved drug for FSHD, targeting approximately 45,000-87,000 patients in the US and Europe[28,44] - Del-zota in DMD44 targets approximately 900 patients in the US, with an FDA submission expected in 2026[28,58,63]

Financial Performance - Revvity's Q3 2025 revenue reached $699 million, a 2% year-over-year increase[11] - Organic revenue growth was 1%, with a 1% positive impact from foreign exchange[11] - Adjusted operating margin was 26.1%, a decrease of 220 basis points year-over-year[11] - Adjusted EPS was $1.18, down 8% year-over-year[11] - Free cash flow was $120 million for the quarter, and $354 million year-to-date[11] - Adjusted gross margin was 58.7%, a decrease of 300 basis points year-over-year[11] Segment Performance - Life Sciences revenue was $343 million in Q3 2025, with 0% organic growth[13, 14] - Diagnostics revenue was $356 million in Q3 2025, with 2% organic growth[17, 18] 2025 Financial Guidance - Revvity projects full-year 2025 revenue between $2.83 billion and $2.88 billion, representing reported growth of 3% to 5% and organic growth of 2% to 4%[19] - The company anticipates an adjusted operating margin of 27.1% to 27.3% and adjusted EPS of $4.90 to $5.00 for 2025[19]

Lakeland Financial Corporation A Proven History of Shareholder Value Creation And Commitment to Our Communities 3 rd Quarter 2025 LKFN L I S T E D David M. Findlay Chairman & Chief Executive Officer david.findlay@lakecitybank.com (574) 267-9197 Kristin L. Pruitt President kristin.pruitt@lakecitybank.com (574) 371-9220 Lisa M. O'Neill Executive Vice President & Chief Financial Officer lisa.oneill@lakecitybank.com (574) 267-9125 This presentation contains, and future oral and written statements of the Company ...

Financial Performance - POSCO HOLDINGS' Q3 2025 revenue was KRW 17261 billion, a decrease of KRW 295 billion compared to Q3 2024 [9] - The operating profit margin for Q3 2025 was 37%, an increase of 02% compared to Q2 2025 [9] - Net debt increased to KRW 11753 billion in Q3 2025, up from KRW 10924 billion in Q2 2025 [11] - Cumulative CAPEX administered by Q3 2025 was KRW 48 trillion on a consolidated basis and KRW 10 trillion separately [12] Segment Performance - The Steel sector's revenue in Q3 2025 was KRW 14730 billion, with an operating profit of KRW 656 billion [13] - POSCO's separate revenue in Q3 2025 was KRW 8797 billion, with an operating profit of KRW 585 billion [13] - The Rechargeable Battery Materials (RBM) sector, including POSCO FUTURE M, had a revenue of KRW 1000 billion but an operating loss of KRW 42 billion [13] - POSCO INTERNATIONAL's revenue in Q3 2025 was KRW 8248 billion, with an operating profit of KRW 316 billion [13] - POSCO E&C experienced a revenue of KRW 1408 billion and an operating loss of KRW 195 billion [13] Safety Initiatives - The company is implementing a "Safe Workplace Initiative" with the goal of setting the standard for industrial safety practices in Korea [14] - A Corporate Safety TF was established to plan and drive an integrated Group-wide Safety Master Plan [16] - The company is expanding worker engagement, ending the practice of outsourcing danger, and expanding AI safety technology [15] Portfolio Management - The portfolio management progress rate between Q3 2024 and Q3 2025 is 50%, with 63 projects completed and cash generation of KRW 14 trillion [22]