4Q2025 Earnings Call C. Randal Mills PhD Chief Executive Officer Matt Ferguson Chief Financial Officer March 11, 2026 Forward-Looking Statements This presentation contains "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward- looking statements can be identified by words such as "projects," "may," "will," "could," "would," "should," "believes," "expects," "anticipates," "estimates ...

Columbia Banking System Conference Call Summary Company Overview - Columbia Banking System is headquartered in Tacoma, Washington, with over 350 locations across 8 western states, primarily in California, Oregon, and Washington [2][3] - Recently completed the acquisition of Pacific Premier Bank, enhancing the company's franchise and operational capabilities [2][3] Strategic Focus - The company is now focused on fine-tuning its operations after integrating three large banks over the past few years, aiming to streamline processes and leverage technological advancements [3][4] - Emphasis on optimizing the balance sheet and improving profitability rather than merely increasing asset size [44][48] Economic and Market Conditions - General optimism about the economic climate, particularly in the intermountain states, despite some challenges in coastal areas [5][8] - Notable concerns regarding the business environment in Portland and Seattle, particularly due to recent tax increases and regulatory changes [10][14][15] - The company is monitoring the potential impact of businesses relocating from high-tax states [10][12] Growth Opportunities - The company is optimistic about growth prospects, particularly in Southern California, where it has expanded its presence through the Pacific Premier acquisition [29][31] - Focus on maintaining strong relationships with clients and enhancing service offerings to drive growth [28][30] Financial Performance - Total loan portfolio stands at approximately $48 billion, with a focus on transitioning from transactional loans to core relationship lending, which is expected to yield higher returns [34][35] - Anticipated loan portfolio adjustments will lead to improved net interest margins (NIM), projected to be around 3.90-3.95% for Q1 [59][60] Capital Management - The company has announced a $700 million share buyback program and plans to return approximately $1.1 billion to shareholders through dividends and buybacks [60][64] - There is a focus on optimizing the liability side of the balance sheet, with a strong deposit base and plans to reduce reliance on higher-cost wholesale funding [49][54] Credit Quality - The transactional loan portfolio is considered low-risk, with no significant credit concerns reported [74] - Continuous monitoring of the agricultural sector due to its inherent volatility [75] M&A Strategy - The company has no immediate plans for further acquisitions, focusing instead on internal growth and operational improvements [69][70] Conclusion - Columbia Banking System is positioned for growth with a strong focus on optimizing its operations, enhancing profitability, and maintaining a healthy balance sheet while navigating economic challenges and opportunities in its markets [31][60]

Exodus Movement, Inc. CFO Supplemental Slides - Q4 2025 Earnings Call 2021 2022 2023 2024 2025 $29.5M $44.8M $11.2M $18.5M $26.4M $92.1M $71.5M $39.4M $37.7M $69.4M $121.6M $116.3M $56.2M $50.6M $95.8M Q1+Q2+Q3 Q4 Revenue 2 2025 Revenue Breakout ~76% Exchange aggregation (Users) Exchange aggregation (Partnerships)~15% ~9% Non-exchange aggregation revenue 3 Exchange provider processed volume Full Year 2021 2022 2023 2024 2025 $6.9B $5.7B $2.7B $2.5B $5.5B Quarterly Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 $1. ...

Investor Presentation Fourth Quarter 2025 March 11, 2026 1 Safe Harbor Statement This presentation includes "forward-looking statements" within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and Section 27A of the Securities Act of 1933, as amended, which reflect management's current view regarding future events and performance. Although we believe these statements are based on reasonable expectations and beliefs, they are subject to risks and uncertainties that are difficult ...

Summary of Black Rock Coffee Bar Conference Call (March 11, 2026) Company Overview - **Company**: Black Rock Coffee Bar (NasdaqGM: BRCB) - **IPO Date**: September 2025, led by J.P. Morgan - **Current Store Count**: 184 stores across seven states, with a goal of reaching 1,000 stores by 2035 [2][16] Key Industry Insights - **Market Position**: Competing with established brands like Starbucks and Dutch Bros, with a focus on customer experience and employee engagement [11][111] - **Customer Demographics**: Targeting a demographic of 18-45 years old, with a significant portion having disposable income [40][41] Core Business Differentiators - **Drive-Through Model**: All stores feature drive-throughs, enhancing customer convenience [4] - **Employee Retention**: Employee turnover is significantly lower than industry average (74% vs. 140-160%), leading to higher guest satisfaction (92%-94%) [5] - **Profit Sharing and Engagement**: Employees are incentivized through profit sharing and bonuses, fostering a strong culture and ownership mentality [6][9] Financial Performance - **Same-Store Sales Growth**: Achieved 19% growth over two years, with an average of 10.1% last year [6] - **Average Unit Volume (AUV)**: Currently at approximately $1.3 million, with plans to increase through marketing and loyalty programs [26] - **Store-Level EBITDA**: Estimated at 29%, indicating strong profitability [36] Growth Strategy - **Store Expansion**: Opened 32 stores last year, with a target of at least 36 stores this year [10] - **Market Focus**: Emphasis on high-performing markets, particularly in California, with plans for significant expansion [94] - **Capital Expenditure**: Projected CapEx of $40-$41 million for 2026, including reverse build-to-suit projects to enhance predictability in store openings [81][83] Marketing and Customer Engagement - **Paid Media Strategy**: Aimed at increasing brand awareness, which was around 9% prior to the IPO, now focusing on social media and targeted campaigns [45] - **Loyalty Program**: Launched in April 2024, currently capturing 64% of transactions, driving higher customer frequency [31] Risk Management - **Market Expansion Caution**: Learning from past expansions, particularly in underperforming markets like Dallas and San Antonio, to ensure sustainable growth [95][96] - **Balancing Growth and Profitability**: Focus on maintaining a balance between capital expenditure and operational efficiency to avoid overextension [20][108] Competitive Landscape - **Industry Competition**: Acknowledgment of competition from brands like Dutch Bros and Starbucks, with a focus on differentiation through customization and customer experience [111][121] - **Market Sensitivity**: The company has historically shown resilience to economic fluctuations, particularly in coffee sales [41] Future Outlook - **Long-Term Goals**: Aiming for free cash flow neutrality by 2027-2028, with a focus on managing build costs and operational efficiency [88] - **California Expansion**: Plans to increase store count significantly in California, leveraging high AUVs and profitability [92][94] This summary encapsulates the key points discussed during the Black Rock Coffee Bar conference call, highlighting the company's growth strategy, market positioning, and financial performance.

4Q FY 2026 Earnings Supplemental Slides Safe Harbor Statements we make in this presentation may include statements which are not historical facts and are considered forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995, which are usually identified by the use of words such as "anticipate," "believe," "contemplate," "continue," "could," "estimate," "expect," "intend," "may," "outlook," "plan," "possible," "potential," "predict," "project," "seek," "should," "target," "wil ...

4Q25 Results Presentation March 11, 2026 Forward-looking statements Some of the statements contained in this presentation may constitute forward-looking statements within the meaning of the federal securities laws. Forward-looking statements relate to expectations, projections, plans and strategies, positioning, anticipated events or trends, and similar expressions concerning matters that are not historical facts. In some cases, you can identify forward-looking statements by the use of forward-looking termi ...

1 Safe harbor statement This presentation is provided for informational purposes only and should not be construed as an oer, commitment, promise or obligation on behalf of Stitch Fix, Inc. ("Stitch Fix" or the "Company") to sell securities or deliver any products, services, functionalities or other features. This presentation contains forward-looking statements within the meaning of the federal securities laws. All statements other than statements of historical fact could be deemed forward looking, includin ...

Fourth Quarter 2025 Financial Highlights March 11, 2026 Safe Harbor and Non-GAAP Measures This Presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 as contained in Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, concerning expectations, beliefs, plans, objectives, goals, strategies, future events or performance and underlying assumptions and other statements tha ...

Q4 2025 Earnings Supplemental Presentation March 2026 Forward-Looking Statements This communication contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, without limitation, statements reflecting the current views of management of Bumble Inc. with respect to, among other things, our operations, our financial performance, our industry and our business and other non-historical statements, including without li ...