业绩总结 - 第三季度净收入为4180万美元，同比下降7%[5] - 每股摊薄收益为1.66美元，同比下降1%[6] - 第三季度净利息收入为110.9百万美元，同比增长14%[14] - 非利息收入为65.9百万美元，同比下降3%[15] - 2024财年截至2024年6月30日，净收入（税前）增长33%，从3534万美元增至4709万美元[64] 用户数据 - 截至2024财年九个月，平均资产回报率（ROAA）为2.33%，较去年同期的2.46%下降[8] - 非不良贷款和租赁比例为0.96%，较2023年6月30日的0.93%略有上升[28] - 非执行资产（NPAs）占总资产的比例为0.55%[144] - 非执行贷款（NPLs）占总贷款的比例为0.93%[147] - 调整后的净损失（NCOs）在2024年第三季度占平均贷款的比例为0.63%[155] 未来展望 - 2024财年的每股收益预期为6.40至6.60美元，2025财年预期为7.00至7.50美元[39] - 2024年第三季度执行了1500万美元的股票回购[58] 新产品和新技术研发 - 2024财年截至2024年6月30日，税务产品总收入同比增长3%[62] - 退款预支产品收入同比增长15%，从3769万美元增至4324万美元[64] 市场扩张和并购 - 总贷款和租赁金额从2023年第三季度的4072.9百万美元增加至4612.6百万美元，增长13%[31] - 2024财年第三季度，商业融资贷款组合增长4.19亿美元，增幅为12%[78] 负面信息 - 2024财年截至2024年6月30日，净利息收入从289万美元降至28万美元，下降90%[64] - 2024财年第三季度的效率比率为67.08%[176] - 调整后的存款费用为29,284百万，较上季度增长-20.5%[181] 其他新策略和有价值的信息 - 2024年第三季度，保险保费融资的季度收益率为8.59%[95] - 2024年第三季度，仓库融资的季度收益率为10.47%[120] - 截至2024年6月30日，贷款和租赁组合中48%为浮动或可变利率贷款，总额为22亿美元[125] - 2024年6月30日的一级资本杠杆比率为9.13%[159] - 2024年6月30日的普通股权益一级资本比率为12.44%[159] - 2024年6月30日的总资本比率为14.33%[159]

This quarterly report represents an earnings surprise of 10.67%. A quarter ago, it was expected that this holding company for Meta Bank would post earnings of $2.37 per share when it actually produced earnings of $2.56, delivering a surprise of 8.02%. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. While Pathward has outperformed the market so far this year, ...

财务表现 - 公司第三季度总收入为1.767亿美元，同比增长7%，主要由于净利息收入增加所致[5] - 第三季度净利息收入增加14%至1.109亿美元，主要由于收益率上升、生息资产平均余额增加和资产组合改善所致[11] - 第三季度非利息收入下降3%至6,590万美元，主要由于存款和卡费收入下降所致[15] - 第三季度非利息支出增加8%至1.237亿美元，主要由于卡处理费用、其他费用和人工成本增加所致[17] - 公司税前利润为4,717万美元，较上年同期下降42.5%[67] - 公司净利润为4,184万美元，较上年同期下降7.3%[68] - 公司每股基本收益为1.66美元，较上年同期下降1.8%[68] 资产质量 - 公司总贷款和租赁占比下降至1.73%，主要受商业金融组合影响[30] - 公司第三季度信贷损失准备金计提5.9百万美元，主要由于商业金融组合计提增加6.5百万美元[33] - 公司不良资产占总资产的比例为0.61%，较上一季度上升[40,41] - 公司不良贷款和租赁占总贷款和租赁的比例为0.96%，较上一季度上升[42] 资金来源 - 公司存款总额增加2%至64.3亿美元，主要由于非计息存款和批发存款增加[48] - 公司管理的其他银行客户存款为3.53亿美元，较上一季度有所下降[50] 资本充足性 - 公司及其子公司Pathward®, N.A.("银行")在2024年6月30日仍高于联邦监管最低资本要求,并继续被归类为资本充足,与监管机构保持良好关系[51] - 公司和银行的监管资本比率列于下表,监管资本不受累计其他综合收益("AOCI")未实现损失的影响[51,53] - 公司和银行在2024年6月30日的监管资本比率为初步数据,需待完成监管报告后确定[53,54] 其他 - 公司在第三季度回购了28.692万股普通股，截至6月30日，尚有738.2743万股可回购[8] - 税务服务产品收入同比增加3%至8.2亿美元，主要由于预付税款费用收入增加所致[9] - 公司在第三季度新增4.3百万美元可再生能源租赁，获得120万美元投资税收抵免[20] - 公司证券投资组合主要由可摊销证券组成,应提供稳定的现金流,公司无意出售这些证券或在收益表上确认未实现损失来为未来贷款增长提供资金[51] - 公司将于2024年7月24日举行财报电话会议和网络直播,并在公司网站上提供相关投资者演示文稿[57,58] - 公司将参加2024年9月5日在芝加哥举行的雷蒙德詹姆斯美国银行和银行科技会议[59]

TORONTO, July 24, 2024 /PRNewswire/ -- Waste Connections, Inc. (TSX/NYSE: WCN) ("Waste Connections" or the "Company") today announced that its Board of Directors has declared a regular quarterly cash dividend of $0.285 U.S. per common share of the Company. The regular quarterly cash dividend will be paid on August 22, 2024 to shareholders of record at the close of business on August 7, 2024. The Board intends to review the quarterly dividend each October, with a long-term objective of increasing the amount ...

The following table sets forth the material pricing terms of the Tender Offer: (1) The amount to be paid for each US$1,000 principal amount of Notes validly tendered after the Early Tender Date but at or prior to the Expiration Date and accepted for purchase. In addition, Accrued Interest (as defined herein) will be paid. (2) Per US$1,000 principal amount of Notes accepted for purchase. The amount to be paid for each US$1,000 principal amount of Notes validly tendered at or prior to the Early Tender Date an ...

HSINCHU, July 22, 2024 /PRNewswire-FirstCall/ -- ChipMOS TECHNOLOGIES INC. ("ChipMOS" or the "Company") (Taiwan Stock Exchange: 8150 andNasdaq: IMOS), an industry leading provider of outsourced semiconductor assembly and test services ("OSAT"), announced a US$1.098 cash dividend per ADS (or approximately US$0.848 per ADS after the Taiwan withholding tax and Citibank, N.A.'s depositary fees) will be distributed on July 26, 2024. ADS holders are encouraged to check with their securities brokers for receipt of ...

What is Implied Volatility? What do the Analysts Think? Given the way analysts feel about Pathward Financial right now, this huge implied volatility could mean there's a trade developing. Oftentimes, options traders look for options with high levels of implied volatility to sell premium. This is a strategy many seasoned traders use because it captures decay. At expiration, the hope for these traders is that the underlying stock does not move as much as originally expected. Click to see the trades now >> Inv ...

Prior Month Distribution For more information on the Trust, including the annual tax information, distribution amounts, and historical press releases, please visit our website at www.crt-crosstimbers.com. DALLAS, July 19, 2024 /PRNewswire/ -- Argent Trust Company, as Trustee of the Cross Timbers Royalty Trust (the "Trust") (NYSE:CRT), today declared a cash distribution to the holders of its units of beneficial interest of $0.096137 per unit, payable on August 14, 2024, to unitholders of record on July 31, 2 ...

DALLAS, July 19, 2024 /PRNewswire/ -- Argent Trust Company, as Trustee of the Permian Basin Royalty Trust (NYSE: PBT) ("Permian" or the "Trust") today declared a cash distribution to the holders of its units of beneficial interest of $0.070169 per unit, payable on August 14, 2024, to unit holders of record on July 31, 2024. The distribution does not include proceeds from the Waddell Ranch properties for the current month but does include the proceeds from June in the amount of $2,177,289. More information r ...

DALLAS, July 19, 2024 /PRNewswire/ -- Argent Trust Company, as Trustee of the Hugoton Royalty Trust (the "Trust") (OTCQB: HGTXU) announced today there would not be a cash distribution to the holders of its units of beneficial interest for July 2024 due to the excess cost positions on all three of the Trust's conveyances of net profits interests. The Trust's cash reserve was reduced by $34,000 for the payment of Trust expenses. To the extent net profits income is received in future months, the Trustee antici ...