US Earnings Financial Results SEC Filings — March 13, 2026

13-03-2026

Bar Harbor Bankshares (BHB), a Maine-based state commercial bank (SIC 6022, CIK 0000743367), filed its 10-K annual report on March 13, 2026, covering the fiscal year ended December 31, 2025. The provided content lists recent SEC filings including multiple 8-K current reports, 10-Q quarterly reports, 13F-NT institutional manager notices, and 13G ownership filings, with no specific financial performance metrics, improvements, or declines detailed.

• ·Business Address: 82 MAIN ST PO BOX 400 BAR HARBOR ME 04609-0400
• ·Phone: 2076696784
• ·State of Incorporation: ME
• ·Fiscal Year End: December 31

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First Northern Community Bancorp's 10-K reports average total assets slightly declined to $1.89B in 2025 from $1.89B in 2024, while average loans remained nearly flat at $1.05B with yields improving to 5.53% from 5.30%. Net interest income rose 4.8% to $67.5M with margin expanding to 3.77% from 3.60%; however, demand deposits fell 7.3% to $650M and time certificates declined 7.7% to $141M. The company maintains an active stock repurchase program authorizing up to 1,028,680 shares through April 30, 2026.

• ·Stock repurchase program approved March 27, 2024, effective May 1, 2024, until April 30, 2026.
• ·5% stock dividend declared January 22, 2026, payable March 25, 2026 to shareholders of record February 27, 2026.

13-03-2026

Quest Resource Holding Corp (QRHC) reported FY2025 revenue of $250.2M, down 13.2% YoY from $288.5M, with gross profit declining 14.9% to $42.5M and net loss slightly widening to $15.4M from $15.1M amid ongoing operating losses. While total operating expenses fell 10.6% to $48.7M due to lower depreciation, amortization, and impairment charges, Adjusted EBITDA decreased 35.7% to $9.3M from $14.5M. Positively, net cash from operating activities swung to $9.6M from a $6.1M outflow, total assets shrank to $145.6M with reduced liabilities and debt to $106.0M.

• ·Cash and cash equivalents increased to $1.0M from $0.4M YoY.
• ·Accounts receivable decreased to $49.0M from $62.3M YoY.
• ·Stockholders’ equity declined to $40.5M from $54.2M YoY.
• ·Allowance for doubtful accounts $0.8M as of Dec 31, 2025 (vs $0.8M prior).

13-03-2026

Jefferson Capital, Inc. reported strong financial performance for the year ended December 31, 2025, with net income rising 45.8% to $188.0 million from $128.9 million in 2024, driven by total revenues increasing 41.6% to $613.3 million, primarily from portfolio income growth of 41.4% to $560.4 million. However, interest expense increased 37.1% to $105.8 million from $77.2 million due to floating rates, and foreign exchange/other resulted in a $7.7 million loss versus a $5.5 million gain prior year, while credit card revenue declined 13.3% to $7.2 million. Adjusted net income grew 31.9% to $202.7 million amid higher operating expenses.

• ·Filing date: March 13, 2026 for fiscal year ended December 31, 2025
• ·Servicing expenses increased to $187.2M (30.5% of revenues) from $130.9M (30.2%)
• ·Provision for credit losses decreased to $2.4M from $3.5M
• ·Risks include exposure to CAN-SPAM Act, TCPA, Telemarketing Sales Rule, and Canada's Bankruptcy and Insolvency Act (BIA)
• ·Potential risks from lenders' stringent credit policies reducing debt purchase flow

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BRT Apartments Corp. reported total revenues of $97.0M for 2025, up 1.5% YoY from $95.6M, primarily driven by loan interest income surging 105.7% to $1.8M, while rental revenues grew modestly 0.5% to $95.3M. However, GAAP net loss attributable to common stockholders widened to $(11.9M) or $(0.63) per share from $(9.8M) or $(0.52), same-store NOI declined slightly to $49.9M from $50.1M, and total NOI was essentially flat at $51.2M. Adjusted Funds from Operations (AFFO) improved modestly to $27.4M ($1.45 per share) from $26.7M ($1.43), reflecting flat to low growth amid rising expenses.

• ·Owned portfolio: 21 properties with 5,420 units across 11 states + other; top contributor Tennessee (15% of revenue, 702 units).
• ·JV portfolio: 10 properties with 2,891 units; Texas (41% of JV revenue, 1,103 units) and South Carolina (38%) dominant.
• ·Long-term debt: Balloon principal payments total $720.3M, with $88.7M due <1 year and $384.4M >5 years.
• ·Purchase obligations: $30.4M through 5 years.

13-03-2026

Vaxart reported FY2025 revenue of $237K, up 727% YoY from $29K in FY2024, driven by government contracts surging 803% to $225K, leading to operating income of $18K and net income of $16K versus prior-year losses. However, operating expenses rose 131% to $219K, primarily due to R&D increasing 172% to $202K, while non-cash royalty revenue declined 50% and future royalties face risks from Inavir's compound patent expiration in 2024 enabling generic competition. Patent protection for Inavir in Japan extends to August 2036.

• ·Relenza last patent expired July 2019.
• ·Inavir laninamivir octanoate compound patent expired 2024, enabling generic competition and potential royalty decrease.
• ·Inavir last Japanese patent expires August 2036, after which royalties cease.
• ·Foreign withholding tax on royalty revenue: $96 (down 50% YoY).

13-03-2026

Red River Bancshares Inc (RRBI) reported robust 2025 financial results in its 10-K, with net income rising 25% YoY to $42.8M, total assets growing 6% to $3.35B, loans held for investment up 8% to $2.25B, and net interest margin FTE expanding 14% to 3.38% amid higher loan yields. ROA improved to 1.33% and ROE to 12.58%, with efficiency ratio declining to 55.84%. However, noninterest income fell 2% to $20.0M due to declines in mortgage loan income (-4%) and SBIC income (-96%), while NPAs to assets edged up to 0.11% and total risk-based capital ratio slipped slightly to 18.03%.

• ·Efficiency ratio improved to 55.84% in 2025 from 60.29% in 2024.
• ·ACL to loans HFI stable at 1.04% in 2025 vs 1.05% in 2024.
• ·Net charge-offs to average loans remained low at 0.03% in both 2025 and 2024.
• ·Tier I leverage capital ratio well above minimum at 12.21% as of Dec 31, 2025.

13-03-2026

SenesTech, Inc. reported FY2025 net revenues of $2.22M, up 20% YoY from $1.86M, driven by Evolve product sales surging to $1.81M (81% of total) from $1.23M (66%), while ContraPest revenues declined to $0.41M (19%) from $0.63M (34%). Gross profit improved 38% to $1.39M, but total operating expenses rose 9% to $7.89M amid higher SG&A costs, leading to a slightly narrower net loss of $6.38M (versus $6.18M in FY2024) and loss per share of $(1.95) versus $(8.86). Cash and equivalents strengthened to $7.58M from $1.31M, supported by $13.12M in financing activities.

• ·Weighted average shares outstanding increased to 3,275,983 in FY2025 from 697,974 in FY2024.
• ·Stockholders’ equity rose to $9.57M as of Dec 31, 2025 from $2.51M as of Dec 31, 2024.
• ·R&D expenses flat at approximately $1.70M YoY (decrease of $14k).

13-03-2026

Emerald Holding, Inc. reported FY2025 revenues of $463.4M, up 16.2% YoY from $398.8M, driven by $66.4M in acquisition revenues while organic revenue grew modestly 1.1% to $397.0M. However, operating income declined sharply 51.9% to $22.5M amid a 41.5% surge in SG&A expenses to $241.2M, leading to a net loss of $30.7M versus $2.2M net income in 2024. Adjusted EBITDA rose 25.0% to $127.1M, but free cash flow fell 7.3% to $34.3M, cash balances dropped to $100.9M from $194.8M, and total debt increased to $512.5M.

• ·Q4 2025 revenues $132.7M, down from Q4 2024 $147.7M.
• ·Dividends declared per common share $0.0600 in FY2025, up from $0.0300 in FY2024.
• ·Net cash used in investing activities $203.2M in FY2025 (vs $25.0M in FY2024), likely due to acquisitions.
• ·Total assets $1,212.8M as of Dec 31, 2025, up from $1,048.7M.

13-03-2026

ChoiceOne Financial Services Inc (COFS) reported FY2025 net income of $28.2M, up 5.5% YoY from $26.7M in 2024, fueled by net interest income surging 84% to $137.1M and balance sheet expansion with total assets reaching $4.41B (+62% YoY), gross loans $3.03B (+95% YoY), and deposits $3.6B (+63% YoY). However, profitability metrics deteriorated with ROA falling to 0.69% from 1.00%, ROE declining to 7.04% from 11.80%, diluted EPS dropping 38% to $2.01, provision for credit losses exploding to $14.8M from $0.6M, and noninterest expenses more than doubling to $112.7M. Net interest margin improved to 3.61% from 2.95%, but elevated payout ratio of 60% and likely acquisition-related dilution highlight integration pressures.

• ·Net interest margin expanded to 3.61% in FY2025 from 2.95% in FY2024 (+22.4% relative improvement).
• ·Average securities remained relatively flat at $998M in FY2025 vs $981M in FY2024 (+1.7%).
• ·Shareholders' equity to assets ratio (year-end) improved to 10.55% in 2025 from 9.56% in 2024.

13-03-2026

Rhinebeck Bancorp, Inc. reported total assets of $1.30B at December 31, 2025, up 3.6% YoY from $1.26B, driven by a 7.5% increase in deposits to $1.10B and a sharp rise in cash to $102M, while stockholders' equity grew 12.3% to $137M. However, loans receivable net declined 1.9% YoY to $953M, and commercial real estate loans totaled $418M with retail comprising 20.69%. Non-performing assets improved slightly to $3.7M or 0.28% of total assets from 0.33% YoY.

• ·Federal Home Loan Bank advances declined to $25M from $70M YoY.
• ·Commercial real estate loans breakdown: retail $86M (20.69%), mixed use $69M (16.62%), auto dealer $38M (9.15%).
• ·Non-residential non-accrual commercial real estate loans: $1.7M in 2025 vs $1.9M in 2024.

13-03-2026

Fidelity D&D Bancorp Inc (FDBC) reported FY2025 total assets of $2.75B, up 6.3% YoY from $2.58B, with gross loans growing 6.2% to $1.91B and deposits increasing 5.4% to $2.47B; net interest income (FTE) rose 16.7% to $75.8M while efficiency ratio improved to 60.3% from 66.2%. Shareholders' equity expanded 17.1% to $239M, boosting tangible book value per share 18.4% to $37.88. However, investment securities declined 6.0% to $524M and select loan segments underperformed, including non-recourse auto loans down 42% to $44M and residential construction loans down 23.5% to $16M.

• ·Provision for credit losses decreased to $1.3M from $1.5M YoY.
• ·Unrealized losses on held-to-maturity securities improved to $19.1M from $24.6M.
• ·Cash and cash equivalents increased to $148M (5.4% of assets) from $83M (3.2%).
• ·Non-interest income rose to $20.6M from $19.0M, offset by $1.2M loss on securities sales.

13-03-2026

biote Corp. reported total revenue of $192.2M for the year ended December 31, 2025, down 2.5% YoY from $197.2M, with product revenue declining 2.8% to $186.9M while service revenue grew 7.0% to $5.3M. Net income surged to $31.6M from $46K, boosted by a $13.0M gain from change in fair value of earnout liabilities, and operating income rose 12.5% to $35.6M; however, Adjusted EBITDA fell 8.1% to $53.5M and cash from operations decreased 22.2% to $35.2M.

• ·Cash and cash equivalents declined to $24.1M from $39.3M as of Dec 31, 2025.
• ·Total assets decreased to $107.6M from $122.4M; total liabilities fell to $158.0M from $224.6M, driven by reduction in share repurchase liabilities.
• ·Stockholders’ deficit improved to ($50.4M) from ($102.2M), with accumulated deficit reduced to ($49.5M) from ($100.3M).
• ·Basic EPS increased to $0.86 from $0.09.
• ·Net cash used in financing activities improved to ($43.6M) from ($76.1M).

13-03-2026

National Presto Industries Inc (NPK) reported net sales of $503.5M for FY 2025, surging 29.8% YoY from $388.2M, with gross profit up modestly 2.2% to $80.3M. However, operating profit declined 11.0% to $40.2M due to higher selling expenses, a $2.7M vendor deposit impairment, and elevated cost of sales, leading to net earnings of $33.1M, down 20.2% YoY; cash and equivalents fell sharply 81.6% to $3.3M amid negative operating cash flow of $9.1M. Total assets grew 10.5% to $500.7M, supported by higher inventories (+10.4%) and receivables (+36.5%), while stockholders' equity rose 7.6% to $395.1M.

• ·Dividends paid FY 2025: $7.1M ($1.00 per share regular, no extra)
• ·Capex (Purchase of PPE) FY 2025: $27.0M, up significantly from $7.5M in 2024
• ·Net cash from operating activities FY 2025: negative $9.1M, improved from negative $53.4M in 2024 but vs positive $45.4M in 2023
• ·Intangible assets net Dec 31 2025: $2.3M, down from $3.8M in 2024
• ·Earnings per share FY 2025: $4.63, down from $5.82 in 2024

13-03-2026

FACT II Acquisition Corp., a SPAC, reported net income of $5.0M for the year ended December 31, 2025, compared to a $72K net loss in the prior stub period, driven by $7.2M in other income mainly from interest on the trust account which grew 4% to $183.8M from $176.6M. However, the company posted an operating loss of $2.2M amid $2.2M in G&A expenses, cash outside the trust declined 62% to $0.5M from $1.4M, total liabilities rose 15% to $9.2M, and shareholders' deficit widened 34% to $(8.5M) from $(6.4M). Class B ordinary shares decreased to 5,833,333 from 6,708,333, likely due to conversions.

• ·Inception date: June 19, 2024
• ·Deferred legal fees increased to $2.1M from $0.85M
• ·Prepaid expenses slightly declined to $92,600 from $95,833
• ·Class A ordinary shares (non-redeemable): 988,125 issued and outstanding at Dec 31, 2025 and 2024
• ·Redeemable shares at approx. $10.50/share in 2025 vs. $10.09/share in 2024

13-03-2026

Hanover Bancorp reported total assets of $2.38B at year-end 2025, up 3% YoY, with loans growing modestly to $2.00B and net interest income rising 14% YoY to $60.5M due to a 12% drop in interest expense and NIM expansion to 2.75%. However, net income fell 39% YoY to $7.5M amid a sharp 110% increase in provision for credit losses to $10.4M, 16% decline in non-interest income to $12.8M, and 12% higher non-interest expenses at $53.0M.

• ·Net gain on sale of loans held for sale declined to $7.3M from $10.9M YoY.
• ·Loan servicing and fee income increased to $4.3M from $3.7M YoY.
• ·Yield on average loans decreased to 6.02% from 6.13% YoY.
• ·Cost of average interest-bearing deposits fell to 3.82% from 4.41% YoY.

13-03-2026

Alto Ingredients, Inc. outlines its business strategy in its 10-K, emphasizing carbon capture initiatives leveraging enhanced section 45Q tax credits at $85 per metric ton and section 45Z low carbon fuel credits, with significant CO2 production at Columbia (over 120,000 metric tons/year, selling ~57,000 tons) and Pekin Campus (over 600,000 metric tons/year, selling ~190,000 tons). The company focuses on expanding specialty alcohols, essential ingredients, and customer relationships through certifications like FSSC 22000, ISO 9001, and a 2025 acquisition of a liquid CO2 facility adjacent to its Oregon plant. It plans to implement new technologies for efficiency and diversification, highlighting competitive strengths in quality and diverse products.

• ·Columbia and Pekin facilities certified under various standards including FSSC 22000, ISO 9001, ICH Q7, EXCiPACT, HACCP, and FSMA.
• ·2025 acquisition of liquid CO2 production facility adjacent to Oregon plant.

13-03-2026

Empire Petroleum Corp reported a widened net loss of $72.1M for 2025 compared to $16.2M in 2024, driven by a $51.3M impairment charge and 22% decline in total product revenues to $34.2M amid lower oil production (down 10% to 524,646 Bbl) and prices (oil $60.32/Bbl vs $71.44). While gas sales surged 161% to $0.9M due to higher prices ($1.04/Mcf vs $0.37) and lease operating expenses fell 8%, overall production volumes dropped 7% to 818,303 Boe, cash from operations turned negative at $(3.9M), and stockholders' equity swung to a $(4.6M) deficit from $62.8M.

• ·Average oil price per Bbl declined to $60.32 from $71.44 YoY.
• ·Total lease operating expense per Boe slightly improved to $30.83 from $31.16.
• ·Long-term debt increased to $14.4M from $11.3M as of Dec 31 2025.
• ·Accumulated deficit grew to $(152.9M) from $(80.8M).

13-03-2026

Silver Bull Resources, Inc. reported no revenues for the three months ended January 31, 2026, with net loss widening to $119,693 from $102,386 YoY (+17% worse), primarily due to a $70,896 negative change in warrant derivative liability versus $6,836 prior year. Total exploration costs rose slightly to $75,326 (+4% YoY), but G&A expenses improved to $20,793 (-33% YoY) amid lower directors' fees and reimbursements. Cash and equivalents ended at $1.05M, up from $0.59M YoY, though operating cash flow swung to a $155K use from a $46K provision.

• ·Stock-based compensation expense: $4,293 in 2026 vs $14,721 in 2025.
• ·Foreign currency transaction gain: $39,555 in 2026 vs $7,071 in 2025.
• ·Interest income: $7,767 in 2026 vs $3,719 in 2025.
• ·Accounts receivable increased $225,837 during the period to $410,819.
• ·Allowance for uncollectible VAT: $583,252 at Jan 31, 2026.

13-03-2026

Princeton Bancorp reported net income of $18.6M for 2025, up 82% YoY from $10.2M, driven by net interest income growth of 14% to $75.8M and lower non-interest expenses ($54.0M vs $56.8M, excluding 2024 acquisition costs). However, total assets declined 2% to $2.285B, deposits fell 3% to $1.976B, and loans remained flat at $1.796B while provision for credit losses rose 30% to $6.7M. Net interest margin expanded 20 basis points to 3.58%, supported by lower deposit costs.

• ·EPS basic $2.73 in 2025 vs $1.57 in 2024 (+74% YoY)
• ·Non-interest expenses declined to $54.0M from $56.8M, aided by absence of $7.8M acquisition-related costs in 2024
• ·Dividends declared $1.25 per share in 2025 (vs $1.20 in 2024)
• ·Treasury stock repurchases: 249,176 shares in 2025 (cost $7.9M) vs 27,500 shares in 2024
• ·Allowance for credit losses: $20.3M at Dec 31 2025 vs $23.7M at Dec 31 2024

13-03-2026

ELUTIA INC. reported net sales of $12.3M for the year ended December 31, 2025, down 15.0% YoY from $14.5M, driven by a 20.9% decline in Women's Health to $9.1M while Cardiovascular grew 8.3% to $3.2M. Gross profit was nearly flat at $6.6M (down 1.8%) but gross margin improved to 53.7% from 46.4%; operating expenses fell 10.5% to $33.5M, contributing to a reduced pre-tax loss from continuing operations, though cash used in operating activities worsened to $44.8M from $22.7M. A $69.3M gain from discontinued operations swung net income to $53.4M from a $53.9M loss.

• ·Litigation costs, net decreased 25.2% to $8.5M in 2025.
• ·Gain on revaluation of warrant liability of $13.4M in 2025 vs loss of $14.9M in 2024.
• ·Intangible asset amortization stable at $1.1M.
• ·Equity compensation: 2020 Plan has 4,022,598 securities outstanding at weighted average exercise price $4.75.

13-03-2026

Finance of America Companies Inc. reported total revenues of $497M for the year ended December 31, 2025, up 26% YoY from $394M, driven by net origination gains of $226M (+26% YoY) and stronger net fair value changes on loans. However, net portfolio interest income declined 3% YoY to $261M and net interest income fell 29% to $203M amid higher interest expenses, while total expenses rose 8% to $370M. Net income from continuing operations before income taxes increased significantly to $113M from $43M.

• ·Reverse Mortgage Loans Ending UPB grew 6% YoY to $29.0B, with average UPB up to $328 from $304, but loan count declined 2% to 88,493.
• ·Percentage of UPB in foreclosure edged up to 1.9% from 1.8%.
• ·TPO net origination gains rose to $221M from $148M, while Retail was flat at ~$81M.
• ·Cash and cash equivalents increased to $33M from $29M; restricted cash declined to $235M from $254M.

13-03-2026

Karat Packaging Inc. reported net sales growth of 10.7% YoY to $467.7M for the year ended December 31, 2025, with operating income up 9.7% to $41.4M and net income increasing 6.0% to $32.7M. However, Adjusted EBITDA was essentially flat at $55.2M (margin contracting from 13.1% to 11.8%), free cash flow declined 33.3% to $29.3M, net cash from operating activities fell 29.5% to $33.8M, and working capital decreased $23.6M to $91.0M amid rising current liabilities.

• ·Current liabilities increased $23.8M to $70.2M at Dec 31, 2025 from $46.4M, driven by higher long-term debt current portion ($12.9M vs $1.2M).
• ·Total assets declined to $287.7M from $294.5M at Dec 31, 2024.
• ·Inventories rose to $81.7M from $70.7M at Dec 31, 2025.

13-03-2026

Asana, Inc. reported FY2026 revenue of $791M, up 9% YoY from $724M in FY2025 and 21% from $653M in FY2024, with gross margin stable at 89%. Operating loss narrowed to $197M from $267M YoY due to a 1% decline in total operating expenses, including 12% R&D cuts and 3% sales & marketing reductions, though G&A rose 27%; non-GAAP operating income flipped to positive $57M from a $41M loss. Net loss improved to $189M from $256M YoY, and free cash flow jumped to $77M from $3M.

• ·Gross margin remained flat at 89% YoY.
• ·Cost of revenues increased 12% YoY to $87M.
• ·Stock-based compensation expense rose slightly to $215M, up 2% YoY.
• ·Interest income declined 17% YoY to $16M.

13-03-2026

WEYCO Group Inc reported FY2025 net sales of $276.2M, down 5% YoY from $290.3M, and net earnings of $23.1M, down 24% from $30.3M, with operating earnings declining 20% to $29.2M. Segment performance was mixed, with North American Wholesale down 5% in sales and 16% in operating earnings, North American Retail down 8% in sales and 38% in operating earnings, and Other flat at 0% sales change; however, Florsheim brand sales grew 2% YoY while most other brands declined (e.g., BOGS -11%). Basic EPS fell to $2.44 from $3.21.

• ·Filing date: March 13, 2026
• ·Gross earnings FY2025: $119.2M (down from $131.5M FY2024)
• ·Critical audit matter: BOGS Trademark impairment evaluation
• ·Comprehensive income FY2025: $27.2M (up from $29.7M FY2024)
• ·Diluted EPS FY2025: $2.41 (down from $3.16 FY2024)

13-03-2026

United Homes Group, Inc. reported FY2025 revenue of $407M, down 12.3% YoY from $464M, with home closings falling 16.7% to 1,192 units despite a 3.7% rise in average sales price to $341K; the company posted a net loss of $16M versus $47M profit in 2024. Gross margin improved slightly to 17.6% from 17.2%, but EBITDA plunged 70% to $18M and adjusted EBITDA fell 28.7% to $23M. Backlog grew 22.3% to 192 units valued at $68M, while active communities increased 24% to 57.

• ·GSH South Carolina segment revenue down 14.5% to $359M with closings down 18.6%; Rosewood revenue up 27.6% to $33M.
• ·Cancellation rate increased to 13.0% from 11.4%.
• ·Goodwill impairment of $1.1M in FY2025.
• ·Owned real estate inventory: homes under construction 80% (down from 85%), developed lots 20% (up from 15%).

13-03-2026

Isabella Bank Corp reported net income of $18.9M in 2025, up 36% YoY from $13.9M, with total assets growing 6% to $2.2B, loans up 8% to $1.54B, deposits up 4% to $1.82B, and NIM expanding 26 basis points to 3.16%; ROA improved to 0.88% and efficiency ratio to 69.11%. However, nonperforming assets surged 553% to $5.5M from $0.8M, with nonperforming loans ratio rising to 0.30% from 0.02%, amid a provision reversal of $0.6M after prior-year provisions.

• ·Loan to deposit ratio increased to 84.43% from 81.48%.
• ·Shareholders' equity to total assets rose to 10.47% from 10.08%.
• ·Net loan charge-offs were recoveries of $1.4M vs charge-offs of $1.9M in 2024.
• ·Coverage ratio of uninsured deposits with total cash and liquidity declined to 112% from 120%.

13-03-2026

Esquire Financial Holdings, Inc. reported net income of $50.8M or $5.87 per diluted share for the year ended December 31, 2025, achieving ROAA of 2.43% and ROAE of 19.41%. Balance sheet totals included $2.37B in assets, $1.76B in loans, $2.06B in deposits, and $289.6M in stockholders' equity, with noninterest income of $25.1M representing 17% of total revenue driven by payment processing and ASP fees. However, the company highlighted risks related to completing its pending merger with Signature Bancorporation, Inc., including integration challenges and regulatory approvals.

• ·Litigation-Related Loans consist of WC LOC (66.2%), Case Cost LOC (17.7%), and term loans to law firms (15.8%).
• ·Average contingency case litigation timeframe: 2-4 years.
• ·Pending merger with Signature requires shareholder and regulatory approvals, with integration risks for assets, liabilities, systems, personnel, customers, synergies, and potential goodwill charges.

13-03-2026

OP Bancorp reported net income of $25.6M for 2025, up 22% from $21.1M in 2024, with net interest income rising 19% to $78.3M and net interest margin expanding to 3.19% from 2.99%, supported by loan growth to $2.19B and deposit growth to $2.28B. ROA improved to 1.01% and ROE to 11.91%. However, noninterest income declined slightly by 1% to $16.3M, noninterest expenses increased 11% to $55.8M, nonperforming loans rose 80% to 0.64% of gross loans, and allowance coverage fell to 199% from 317%.

• ·Tier 1 leverage capital ratio declined to 8.99% from 9.27%.
• ·Provision for credit losses increased to $3.6M from $2.8M.
• ·Gains on sale of loans declined 15% to $7.1M.
• ·Salaries and employee benefits rose 13% to $36.0M.

13-03-2026

Gyre Therapeutics reported annual revenues of $116.6M for the year ended December 31, 2025, up 10.2% YoY from $105.8M. However, total operating expenses rose 17.3% to $105.1M, driven by increases in cost of revenues (+39.4%), selling and marketing (+13.3%), R&D (+13.9%), and G&A (+29.1%), resulting in operating income declining 28.9% to $11.5M and net income attributable to common stockholders dropping 58.4% to $5.0M. Cash and equivalents increased to $37.1M from $11.8M, supported by $24.4M from financing activities, while total assets grew to $166.1M.

• ·Clinical trials direct expenses increased 22.1% YoY to $5.3M, while materials and utilities declined 24.6% to $1.7M.
• ·Net cash used in investing activities improved to $(0.5M) from $(19.9M).
• ·Basic EPS declined to $0.06 from $0.14.
• ·Stock-based compensation expense rose to $7.2M from $0.8M.

13-03-2026

Hartford Creative Group, Inc. reported significantly lower revenue of approximately $194K for the three months ended January 31, 2026 (inferred from advertising $122K + minidrama $72K), down ~49% YoY from $378K, resulting in net income of $7K versus $144K prior year. For the six months ended January 31, 2026, revenue fell ~38% YoY to ~$524K from $845K, with net income declining ~79% to $58K from $271K, though operating income remained positive. Total assets decreased 48% to $3.6M from $6.9M at July 31, 2025, while cash rose to $0.15M and stockholders' equity improved slightly 20% to $0.36M.

• ·Operating cash flow used $174K in six months ended Jan 31, 2026 vs provided $232K YoY.
• ·Advance to contractors decreased to $2.81M from $6.29M.
• ·Contract liabilities fell to $1.38M from $4.85M.
• ·Income taxes paid $310K in six months ended Jan 31, 2026.

13-03-2026

Onconetix, Inc. reported revenue of $815K for FY 2025, down 67.7% YoY from $2.5M, with gross profit declining 40% to $633K, reflecting weaker sales. However, net loss narrowed significantly to $14.0M from $58.7M (-76.1% YoY), driven by sharply reduced operating expenses (-67.9%) and impairments, including $11.5M goodwill impairment vs. $32.3M prior year; cash balance surged to $5.2M from $0.65M. Total assets decreased to $24.9M from $28.2M, while liabilities fell to $9.2M from $18.6M, boosting stockholders' equity to $15.8M.

• ·Net cash used in operating activities improved slightly to $9.7M from $10.5M YoY.
• ·Goodwill decreased to $18.5M from $27.0M.
• ·Series C Redeemable Preferred Stock outstanding reduced to 7 shares from 3,499 shares.
• ·Equity compensation plans: 7,899 securities remaining available for future issuance under 2022 Plan.

13-03-2026

Insight Digital Partners II (DYORU), a blank-check SPAC, reported total assets of $175.0M as of December 31, 2025, driven by $173.7M cash held in the Trust Account from its IPO of 17,250,000 Class A ordinary shares at $10.07 redemption value. For the period from inception (July 11, 2025) through December 31, 2025, the company incurred a $0.27M operating loss from general and administrative costs but achieved net income of $0.89M due to $1.16M interest earned on Trust Account investments. Shareholders’ deficit was $5.65M, reflecting accretion and transaction costs.

• ·IPO proceeds from sale of Units, net of underwriting discounts: $169.1M
• ·Proceeds from Private Placement Warrants: $5.45M
• ·Net cash used in operating activities: $(0.34M)
• ·Investment into Trust Account: $(172.5M)
• ·Basic and diluted net income per share: $0.08 across Class A and Class B ordinary shares

13-03-2026

FS Bancorp, Inc. reported average loan balances growth of 4.5% YoY to $2.63B in 2025, driving net interest income up 6% YoY to $130.4M with a slightly improved net interest margin of 4.33% from 4.30% in 2024. However, noninterest income growth of 3.3% to $22.3M masked declines including a 9% drop in service charges to $9.1M, 3.2% lower gain on loan sales at $8.3M, and elimination of $8.4M gain on MSR sales from 2024. One-to-four-family residential loans ended the year at $1.67B, up modestly from $1.63B at start.

• ·Taxable investment securities average balance declined to $270M in 2025 from $202M in 2024.
• ·Tax-exempt investment securities average balance decreased to $78M in 2025 from $89M in 2024 and $129M in 2023.
• ·Interest-bearing deposits at other institutions fell sharply to average $25M in 2025 from $51M in 2024.
• ·Certificates of deposit average balance grew to $1.19B in 2025 from $1.10B in 2024.
• ·Net change in net interest income from rate/volume analysis: $7.3M increase for 2025 vs 2024.

13-03-2026

NexMetals Mining Corp. reported a widened net loss of $59.1M for FY 2025, up 39% YoY from $42.4M, driven by higher general exploration expenses ($36.1M, +22% YoY) and investor relations costs, while general exploration expenses also rose 16% in Q4 to $9.0M. However, the company strengthened its position with $80M gross proceeds from a November 2025 financing, cash and equivalents surging 551% to $39.8M, Nasdaq listing under 'NEXM', and a US$25M milestone payment securing unencumbered title to Selebi and Selkirk assets. A non-binding letter from EXIM supports potential US$150M financing for mine redevelopment.

• ·Cash flows from financing activities increased to $119.7M in FY 2025 from $25.3M in FY 2024.
• ·Director fees declined 53% YoY to $0.5M in FY 2025 due to board compensation plan amendments.
• ·Impairment loss of $0.5M recognized on care and maintenance costs for Phikwe South and Southeast Extension deposits.
• ·20:1 share consolidation on June 20, 2025, for Nasdaq listing compliance.

13-03-2026

KinderCare Learning Companies, Inc. reported FY2026 revenue of $2.73B, up 2.6% YoY from $2.66B, with before- and after-school sites growing 9.5% while early childhood education centers increased only 2.1% and same-center revenue rose modestly 2.5%. However, the company recorded an operating loss of $20M versus a $79M profit in FY2024, net loss widened to $113M from $93M primarily due to $204M impairment losses (up from $11M), and EBITDA declined to $110M from $203M. Adjusted EBITDA was nearly flat at $300M (up 0.6%), and cash from operations improved sharply to $239M.

• ·Goodwill decreased $155M to $965M, likely tied to impairments.
• ·Total assets increased to $3.75B from $3.65B; shareholders' equity declined to $755M from $865M.
• ·Cash and equivalents rose to $133M from $62M.
• ·Long-term debt stable at $918M.
• ·Adjusted net income $83M ($0.70/share) vs $39M ($0.40/share) prior year.

13-03-2026

For the year ended December 31, 2025, Franklin Financial Services Corp (FRAF) reported net income of $21.2M, up 91% YoY from $11.1M in 2024, driven by net interest income growth of 21% to $69.6M and noninterest income up 40% to $19.2M. Total assets increased modestly 2% to $2.24B with net loans up 12% to $1.54B, while shareholders' equity rose 21% to $175M and diluted EPS reached $4.74 from $2.51. However, nonperforming loans deteriorated to 0.55% of gross loans from 0.02%, noninterest expenses grew 7% to $59.7M, and debt securities available-for-sale declined to $455M from $509M.

• ·Share repurchase program: 6,500 shares bought in November 2025 at weighted average $52.22/share for $339,840; 130,700 shares remaining.
• ·Assets under management (incl. third-party): $1.42B in 2025, up from $1.31B in 2024 (+8.6%).
• ·Diluted EPS $4.74 in 2025 (vs $2.51 in 2024); regular cash dividends $1.31/share.
• ·Risk-based capital ratio (Total) 13.27% in 2025 (down from 13.85%).
• ·Provision for credit losses $2.9M in 2025 (up from $2.0M).