Innodata announced that it has been chosen by Palantir to provide high-quality training data and data engineering services. In this photo illustration, the Innodata logo is seen displayed on a smartphone and in the background. (Photo Illustration by Avishek Das/SOPA Images/LightRocket via Getty Images) Innodata stated that in its new partnership with Palantir, the company will provide the latter with specialized annotation and data engineering for thousands of hours of rodeo video footage. The company stated that this project will enable the use of computer vision technologies to detect skeleton joints, riders, and animals. This will help Innodata to calculate performance metrics and display them in activities such as bull riding, bronc riding, bareback riding, and barrel racing. Innodata Inc. (INOD) shares rose more than 14% in Thursday’s opening trade after the company announced a new partnership with Palantir Technologies Inc. (PLTR). Innodata announced that it has been chosen by Palantir to provide high-quality training data and data engineering services. This partnership is aimed at supporting Palantir’s AI-enabled platforms for rodeo event analysis. What Will Innodata Offer Palantir? Innodata stated that in its new partnership with Palantir, the company will provide the latter with specialized annotation and data engineering for thousands of hours of rodeo video footage. The company stated that this project will enable the use of computer vision technologies to detect skeleton joints, riders, and animals. This will help Innodata to calculate performance metrics and display them in activities such as bull riding, bronc riding, bareback riding, and barrel racing. Palantir announced a partnership with TWG AI in December 2025 to bring real-time AI and computer vision to rodeo in a bid to improve the experience of athletes and fans of the sporting event. “Palantir's requirements validate the investments we have made in domain-expert annotation, end-to-end generativ...

格隆汇1月29日｜入选2026年格隆汇“全球视野”十大核心资产的卡特彼勒(CAT.US)盘初拉升涨近6%，报679.99美元，再创历史新高。 消息面上，公司公布财报显示，2025年四季度营收达191亿美元，同比增长17.9%，超出市场预期13.4亿美元。第四季度调整后每股收益达5.16美元，高于分析师平均预估的4.69美元。卡特彼勒的电力与能源业务部门利润同比大幅跃升25%。

Image source: The Motley Fool. Thursday, January 29, 2026 at 8:30 a.m. ET CALL PARTICIPANTS President and Chief Executive Officer — James D. Taiclet Chief Financial Officer — Evan T. Scott Vice President, Investor Relations — Maria Ricciardone TAKEAWAYS Backlog -- Reached a record-high $194 billion, up $17.3 billion or 17%, equating to approximately 2.5 times annual sales and marking a fourth consecutive year of backlog growth. -- Reached a record-high $194 billion, up $17.3 billion or 17%, equating to approximately 2.5 times annual sales and marking a fourth consecutive year of backlog growth. Sales Growth -- Achieved 6% total sales growth to $75 billion, with every business segment contributing to the increase; Missiles and Fire Control sales grew 14% to $14.5 billion, while Aeronautics reached $30.3 billion, and Space grew 4% to $13 billion. -- Achieved 6% total sales growth to $75 billion, with every business segment contributing to the increase; Missiles and Fire Control sales grew 14% to $14.5 billion, while Aeronautics reached $30.3 billion, and Space grew 4% to $13 billion. Free Cash Flow -- Generated $6.9 billion in free cash flow after prefunding nearly $900 million in pension obligations, exceeding prior expectations. -- Generated $6.9 billion in free cash flow after prefunding nearly $900 million in pension obligations, exceeding prior expectations. Segment Operating Profit -- Total segment operating profit rose 11% to $6.7 billion, with segment operating profit margin at 10.1% in the quarter and 10.3% for Space; Missiles and Fire Control segment operating profit margin was 13.8% for the year. -- Total segment operating profit rose 11% to $6.7 billion, with segment operating profit margin at 10.1% in the quarter and 10.3% for Space; Missiles and Fire Control segment operating profit margin was 13.8% for the year. Earnings Per Share -- Reported EPS of $21.49 for the year, down 4% due to increased interest expense, a higher tax rate, and elevated FASCAS ex...

CIBYX 互動股市圖表 | Columbia Income Builder Fund Cl 股市 Yahoo 財經

hapabapa/iStock Editorial via Getty Images BMO Capital Markets reduced the price target on HubSpot's ( HUBS ) stock to $385 from $465, noting that there is likely less upside in the near term. The firm kept its Outperform rating on the shares. HubSpot's stock fell about 10% on Thursday. "We believe that HUBS is likely to generate less upside to our/consensus billings and revenue growth CC [constant currency] estimates in the December quarter vs. the past few quarters. We correlate HUBS' near-term growth potential with several SMB data sources, and December quarter data suggest a modest net deterioration in SMB conditions, in our judgment," said the analysts. The analysts noted that they expect the company's management to guide 2026 revenue growth to 14% to 15% year-over-year CC. Separately, generative AI fears continue to weigh on the application segment, the analysts added. More on HubSpot HubSpot: Buying The 'Death Of Software' Narrative Hand Over Fist (Upgrade) HubSpot, Inc. (HUBS) Presents at Barclays 23rd Annual Global Technology Conference Transcript HubSpot: Valuation Is Cheap Relative To The Solid Growth Runway Samsara gets rating upgrade at BNP Paribas Descartes gets an upgrade, while Snowflake, DoubleVerify and GitLab cut at Barclays

MDB260130C00430000 互動股市圖表 | MDB Jan 2026 430.000 call 股市 Yahoo 財經

Image source: The Motley Fool. Thursday, January 29, 2026 at 8:30 a.m. ET Call participants Chief Executive Officer — Joe Creed Chief Financial Officer — Andrew Bonfield Vice President, Investor Relations — Alex Kapper Takeaways Sales and Revenues -- $67.6 billion for the full year, representing a 4% year-over-year increase and marking a record high for Caterpillar CAT +0.94% ) -- $67.6 billion for the full year, representing a 4% year-over-year increase and marking a record high for Fourth-Quarter Sales -- $19.1 billion, an 18% year-over-year increase and an all-time record for a single quarter. -- $19.1 billion, an 18% year-over-year increase and an all-time record for a single quarter. Adjusted Operating Profit Margin -- 17.2% for the year and 15.6% in the fourth quarter; both within or exceeding company expectations despite tariff headwinds. -- 17.2% for the year and 15.6% in the fourth quarter; both within or exceeding company expectations despite tariff headwinds. Adjusted Profit per Share -- $19.06 for the year and $5.16 for the fourth quarter, with quarterly results above internal expectations due to strong Power and Energy volumes. -- $19.06 for the year and $5.16 for the fourth quarter, with quarterly results above internal expectations due to strong Power and Energy volumes. Backlog -- $51 billion at year-end, up $21 billion or 71% year over year, with 62% expected to deliver within the next twelve months. -- $51 billion at year-end, up $21 billion or 71% year over year, with 62% expected to deliver within the next twelve months. Net Incremental Tariff Costs -- $1.7 billion in 2025, rising to an estimated $2.6 billion in 2026; management said, "the run rate should improve towards the second half of the year as we take actions to reduce our tariff exposure." -- $1.7 billion in 2025, rising to an estimated $2.6 billion in 2026; management said, "the run rate should improve towards the second half of the year as we take actions to reduce our tariff exposure....

Nvidia (NVDA) closed the last trading session at $191.52, gaining 2.7% over the past four weeks, but there could be plenty of upside left in the stock if short-term price targets set by Wall Street analysts are any guide. The mean price target of $254.81 indicates a 33.1% upside potential. The average comprises 47 short-term price targets ranging from a low of $140.00 to a high of $352.00, with a standard deviation of $42.11. While the lowest estimate indicates a decline of 26.9% from the current price level, the most optimistic estimate points to a 83.8% upside. More than the range, one should note the standard deviation here, as it helps understand the variability of the estimates. The smaller the standard deviation, the greater the agreement among analysts. While the consensus price target is highly sought after by investors, the ability and unbiasedness of analysts in setting price targets have long been questionable. And investors making investment decisions solely based on this tool would arguably do themselves a disservice. But, for NVDA, an impressive average price target is not the only indicator of a potential upside. Strong agreement among analysts about the company's ability to report better earnings than they predicted earlier strengthens this view. While a positive trend in earnings estimate revisions doesn't gauge how much a stock could gain, it has proven to be powerful in predicting an upside. Price, Consensus and EPS Surprise Zacks Price, Consensus and EPS Surprise Chart for NVDA Here's What You Should Know About Analysts' Price Targets According to researchers at several universities across the globe, a price target is one of many pieces of information about a stock that misleads investors far more often than it guides. In fact, empirical research shows that price targets set by several analysts, irrespective of the extent of agreement, rarely indicate where the price of a stock could actually be heading. While Wall Street analysts have deep knowl...

Does Nvidia (NVDA) Have the Potential to Rally 33.05% as Wall Street Analysts Expect? Yahoo Finance

Key Points Nike’s revenue is starting to stabilize, as huge declines might be in the past now. Increased product costs from tariffs are pressuring the company’s gross margin. Nike continues to spend billions of dollars each year on marketing and branding initiatives. 10 stocks we like better than Nike › Any investor who even remotely follows the business knows that Nike (NYSE: NKE) is not even close to operating at its best right now. While it's still a leader in the global sportswear market, the company made some notable mistakes in recent years. Nike is working to fix things, but shares have gotten hammered. They are trading 63% below their peak (as of Jan. 23). This is an interesting business to pay attention to. Here are three metrics that investors in this consumer discretionary stock need to know about. Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now, when you join Stock Advisor. See the stocks » 1. Revenue growth From fiscal 2019 to fiscal 2024, Nike's revenue increased at a solid compound annual rate of 6%. In fiscal 2025 (ended May 31), the top line decreased 10% year over year. It appears as though the situation has stabilized, however. Analysts expect sales to rise 1% in fiscal 2026. Investors must keep tabs on this metric, as it is the best indicator of demand trends. While no rival comes close to Nike's sizable revenue base, the business has struggled to get back to healthy growth. It's trying to get better at product innovation, which can support consumer interest. North America, where sales climbed 9% in second-quarter 2026 (ended Nov. 30), is in a much better position than the Greater China segment. Sales here fell an alarming 17% last quarter. 2. Gross margin Another critical data point is gross margin, which compressed from 43.6% in Q2 2025 to 40.6% in the most recent quarter. Like many other physical goods businesses, this one is dealing with higher expenses due to trade po...

Nvidia (NVDA) closed the last trading session at $191.52, gaining 2.7% over the past four weeks, but there could be plenty of upside left in the stock if short-term price targets set by Wall Street analysts are any guide. The mean price target of $254.81 indicates a 33.1% upside potential. The average comprises 47 short-term price targets ranging from a low of $140.00 to a high of $352.00, with a standard deviation of $42.11. While the lowest estimate indicates a decline of 26.9% from the current price level, the most optimistic estimate points to a 83.8% upside. More than the range, one should note the standard deviation here, as it helps understand the variability of the estimates. The smaller the standard deviation, the greater the agreement among analysts. While the consensus price target is highly sought after by investors, the ability and unbiasedness of analysts in setting price targets have long been questionable. And investors making investment decisions solely based on this tool would arguably do themselves a disservice. But, for NVDA, an impressive average price target is not the only indicator of a potential upside. Strong agreement among analysts about the company's ability to report better earnings than they predicted earlier strengthens this view. While a positive trend in earnings estimate revisions doesn't gauge how much a stock could gain, it has proven to be powerful in predicting an upside. Price, Consensus and EPS Surprise Here's What You Should Know About Analysts' Price Targets According to researchers at several universities across the globe, a price target is one of many pieces of information about a stock that misleads investors far more often than it guides. In fact, empirical research shows that price targets set by several analysts, irrespective of the extent of agreement, rarely indicate where the price of a stock could actually be heading. While Wall Street analysts have deep knowledge of a company's fundamentals and the sensitivity of...

Royal Bank of Canada is making a hiring push in equities trading as investor appetite for stock derivatives booms, one of the Canadian investment bank’s top traders said. “Over the next five years, we plan to transform the equity division across products and geographies,” said James Masserio , global head of equities at RBC Capital Markets, Royal Bank’s investment-bank subsidiary. Masserio, who joined the bank from Societe Generale SA as head of global equities a year ago, wants to expand the lender’s presence in derivatives and bring on more staff for its trading floors in Toronto, New York and London. As RBC looked to put excess capital to work facilitating client transactions, the lender bolstered its equities-trading ranks, hiring heavily from European rivals. Over the past six months, the bank brought on at least eight new hires in equities, including senior traders and sales staff from rivals including UBS Group AG , Societe Generale, Barclays Plc and HSBC Holdings Plc . Read more: UBS’s Heravi and Hedberg to Join RBC in Equity Derivatives Push Last year was a banner one for Wall Street, pushing trading revenue up 15% to a record $134 billion for the five largest US banks, and boosting the bottom lines of competitors like RBC . Demand for equity options also soared as both retail and institutional investors embraced short-term volatility strategies. The average daily US-listed options volume grew 25% last year, according to data from Options Clearing Corp. “The RBC equity business has significant upside potential from here,” Masserio said in an interview, pointing to a more than 50% increase in global equities revenue in the bank’s fiscal year, which ended in October. He expects future growth to come from expanding the Canadian bank’s quantitative investment strategies products, which are systematic trades packaged by banks for buy-side clients, often based on an underlying index. “QIS products allow a bank like RBC to outsource our sophisticated in-house exec...

家得宝 已裁减800名公司总部相关岗位的员工，此举旨在提高公司运营速度，并更专注于一线员工。 这家家居装修零售商还表示，从4月6日当周开始，其总部员工每周需到办公室工作五天。 根据该公司最新的年度文件，截至2024财政年度末，该公司雇佣了470100人，此次裁员人数约占公司员工总数的0.2%。 该公司表示，这些调整旨在简化家得宝的公司运营，以更好地支持其门店和客户。 一位公司发言人在一份声明中说：“我们的目标是提高灵活性，让公司行动更迅速，并与我们的一线员工保持更紧密的联系。” 家得宝表示，此次裁员影响其亚特兰大总部不到150个职位，其余为远程办公人员。 该公司表示，将为受影响的员工提供遣散费、过渡性福利和就业安置支持。 责任编辑：李桐

Image source: The Motley Fool. Jan. 29, 2026 at 8:30 a.m. ET Call participants Chief Executive Officer — Mark George Chief Operating Officer — John Orr Chief Commercial Officer — Ed Elkins Chief Financial Officer — Jason Zampi Takeaways Safety performance -- Reported a 15% improvement in FRA reportable injury ratio to 1.0 and a 31% improvement in reportable accidents to 2.19, culminating in zero reportable mainline derailments for the quarter and a mainline accident rate of 0.13, down 71% year over year. -- Reported a 15% improvement in FRA reportable injury ratio to 1.0 and a 31% improvement in reportable accidents to 2.19, culminating in zero reportable mainline derailments for the quarter and a mainline accident rate of 0.13, down 71% year over year. Productivity gains -- Generated 7% productivity as gross ton-miles (GTMs) increased 3% with headcount down 4%, and delivered $216 million in full-year cost savings, exceeding the $200 million target. -- Generated 7% productivity as gross ton-miles (GTMs) increased 3% with headcount down 4%, and delivered $216 million in full-year cost savings, exceeding the $200 million target. Capital expenditures -- Reduced annual capital spending by 14% to $1.9 billion for 2026 from $2.2 billion, and completed 2025’s capital program on time and on budget. -- Reduced annual capital spending by 14% to $1.9 billion for 2026 from $2.2 billion, and completed 2025’s capital program on time and on budget. Operating efficiency -- Train load increased 4%, horsepower per ton declined nearly 10%, fuel efficiency improved 4%, and gross ton-miles per crew start rose 2.5% over the prior year. -- Train load increased 4%, horsepower per ton declined nearly 10%, fuel efficiency improved 4%, and gross ton-miles per crew start rose 2.5% over the prior year. Volume and revenue -- Fourth-quarter total volumes declined 4%, leading to a 2% decrease in total revenue; revenue per unit increased 2% year over year, partially offsetting the decline. -- Fourt...

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据英国《金融时报》、美国《野兽日报》报道，在美加两国裂痕日益加深的背景下，“级别非常、非常高”的美国政府官员曾与一个试图动摇加拿大国家根基的极右翼分离主义团体秘密会面。对此，美国国务院发言人作出回应，承认有过相关会面，但美方并“未作出任何承诺”。 《金融时报》援引知情人士消息称，自去年4月以来，主张加拿大阿尔伯塔省（注：盛产油砂）独立的极右翼分离主义团体“阿尔伯塔繁荣计划”的领导人，在华盛顿与美国国务院官员见了三次面。该组织正寻求下月再度与美国国务院和财政部官员会面，并计划请求设立一项5000亿美元的信贷额度，以帮助该省在尚未举行的所谓“独立公投”获得通过后维持运转。 《金融时报》称，该组织法律顾问杰夫·拉思参加了上述会议，他对该媒体表示，“美国对一个自由且独立的阿尔伯塔省充满热情”，并声称他与特朗普政府的关系远比加拿大总理卡尼“紧密得多”。不过拉思拒绝透露该组织在华盛顿具体会见了哪些人，只提到“我们见的是非常、非常高级别的人物，会后他们直接去了（白宫）椭圆形办公室”。（环球网）

Micron Stock Rises. Samsung Signals a ‘Golden Era’ for Memory Chips. MarketWatch

Micron Technology stock was rising early Thursday. Its peer Samsung Electronics is confident the memory-chip boom will continue for the foreseeable future. More importantly for Micron, its executives expect demand to outstrip supply across the memory-chip sector, driven by the need to power artificial intelligence.

Micron Stock Rises. Samsung Signals a ‘Golden Era’ for Memory Chips. Barron's

Saratoga Investment ( NYSE: SAR ) said on Thursday that it has commenced a registered public offering of unsecured notes and received an independent investment grade rating of BBB+ from Egan-Jones. Egan-Jones is a nationally recognized statistical rating organization (NRSRO), a credit rating provider (CRP) recognized by the National Association of Insurance Commissioners, and is certified by the European Securities and Markets Authority (ESMA). The notes are expected to be listed on the New York Stock Exchange and to trade within 30 days of the original issue date under the trading symbol “SAV.” The company plans to use the net proceeds from the offering, together with available cash, to fully redeem its outstanding 4.375% notes due 2026. More on Saratoga Investment Saratoga Investment Corp (SAR) Q3 2026 Earnings Call Transcript Saratoga Investment Corp 2026 Q3 - Results - Earnings Call Presentation Saratoga Investment: Both Earnings And Dividend At Risk Saratoga Investment signals $395.6M liquidity for accretive deployments amid rising M&A activity Saratoga Investment Q3 earnings top consensus on strong originations

krblokhin/iStock Editorial via Getty Images Honeywell International ( HON ) stock was little changed in premarket trading Thursday after the industrial conglomerate reported results that beat Wall Street expectations, helped by higher demand in aerospace and building automation and a sharp increase in orders. Fourth-quarter sales rose 6% to $9.76 billion. The company’s results exceeded the Wall Street consensus estimate for revenue of $9.92 billion, even as Honeywell ( HON ) said adjusted sales were $10.07 billion, up 11% organically. Adjusted earnings were $2.59 a share, topping the consensus estimate of $2.54 a share. Net income fell to $309 million, or $0.49 a share, from $1.09 billion, or $1.74 a share, a year earlier. Results were pressured by a one-time impairment charge tied to classifying its productivity solutions and services and its warehouse and workflow solutions businesses as assets held for sale, along with a one-time charge in aerospace technologies related to Flexjet litigation matters. “We concluded 2025 with strong results that exceeded the high end of our guidance for adjusted sales and adjusted EPS,” Chief Executive Vimal Kapur said in a statement. Q4 sales rise 6% on aerospace, building automation demand Honeywell ( HON ) said sales growth was driven primarily by demand in aerospace technologies and building automation. Aerospace technologies sales were $4.52 billion, up 13% year over year, with organic growth of 21%. Building automation sales rose 10% to $1.97 billion, including 8% organic growth. Industrial automation revenue declined 8% to $2.37 billion, while energy and sustainability solutions sales rose 10% to $892 million, though the company said that segment declined 7% organically due to softer demand in petrochemical catalysts. Orders rose 23% organically in the quarter, lifting backlog more than 4% sequentially to over $37 billion. One-time charges weigh on profit and margin Operating income was $996 million, down 35% from $1.52 bill...

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Citi Wealth CIO Kate Moore says the fundamentals look "really, really strong" for US stocks during an interview on "Bloomberg Open Interest." (Source: Bloomberg)

格隆汇1月29日丨两名外交官：欧盟部长就将伊朗伊斯兰革命卫队(IRGC)列入恐怖组织名单达成政治协议。

Research Alert: CFRA Maintains Sell Opinion On Shares Of Tesla, Inc. 富途牛牛

格隆汇1月29日｜洛克希德马丁(LMT.US)一度涨超8%，最高触及645.67美元，创下历史新高。 消息面上，洛克希德马丁公司去年第四季度净销售额同比增长9%至203亿美元，每股收益5.80美元。截至2025年底，积压订单达到创纪录的1940亿美元。公司公布乐观的2026年业绩指引，预计净销售额将介于775亿至800亿美元，每股收益将介于29.35至30.25美元，均超预期。 此外，公司发布声明称，已与美国国防部签署框架协议，将“萨德”导弹拦截弹的年产量从96枚提高到400枚，翻两番。声明并未披露协议的具体条款，但该公司计划在未来三年内投资数十亿美元，用于扩大生产规模，并新建和改造20多个生产设施。(格隆汇)

US equities dropped on Thursday as traders sifted through the winners and losers among big-spending technology names, offsetting optimism that Republicans and Democrats may strike a deal to avoid a US government shutdown. The S&P 500 Index fell 0.3% at 9:44 a.m in New York. Energy stocks climbed alongside oil prices as President Donald Trump renewed threats against Iran. The tech-heavy Nasdaq 100 Index fell 0.7%, while the Dow Jones Industrial Average gained 0.4%. “Big tech earnings weren’t perfect, but on balance were positive,” wrote Tom Essaye , founder of the Sevens Report, of megacap tech results over night. Facebook owner Meta Platforms Inc. was one of the best performers in the index, with analysts saying its stronger-than-expected revenue outlook supports its massive capital spending for the next year. Its performance stands in sharp contrast to Microsoft Corp. , which was among the biggest laggards in the market following disappointing guidance in its cloud computing business, while capital expenditures were higher than expected. “The AI theme, and who benefits from the AI capex going forward, remains the largest driver of factor and market cap calls,” said Dennis DeBusschere , president and chief market strategist at 22V Research. Investors will get another chance to assess the megacap technology space after markets close Thursday, when Apple Inc. is due to report results. What does the break above 7,000 for the cash S&P 500 mean for US stocks going forward? Let us know . In Washington, Trump and Democrat Senate Minority Leader Chuck Schumer are reportedly nearing a deal to avert a government shutdown. Derek Holt, head of capital markets economics at Scotiabank, said that with funding expiring this weekend, “the US is creeping too close for comfort” to a stoppage. Initial jobless claims for the last week came in ahead of expectations, while continuing claims fell. Dow Inc. shares fell after the company said Thursday it would cut roughly 4,500 jobs. Additio...

据英国《金融时报》、美国《野兽日报》报道，在美加两国裂痕日益加深的背景下，“级别非常、非常高”的美国政府官员曾与一个试图动摇加拿大国家根基的极右翼分离主义团体秘密会面。对此，美国国务院发言人作出回应，承认有过相关会面，但美方并“未作出任何承诺”。(环球网)

In Brief After launching a messaging feature last August, Spotify is now rolling out group chats. The company announced this week that users can now share the podcasts, playlists, and audiobooks they’re listening to with up to 10 people. You can only start a chat with someone you’ve previously shared content with. For example, if you have a collaborative playlist with someone or have joined a Jam or a Blend together, you can start a conversation with them. The move comes as Spotify continues to invest in making its streaming app more social. Over the years, the company has gradually added social elements, including features such as comments on podcasts and the ability to follow someone and see what they listen to. Spotify previously noted that users should continue sharing content outside the app, as its messaging feature is meant to complement that. Messages are encrypted at rest and in transit. However, they are not protected by end-to-end encryption.

Mifflintown, PA, Jan. 29, 2026 (GLOBE NEWSWIRE) -- Juniata Valley Financial Corp. (OTCQX:JUVF) (“Juniata”), announced net income for the three months ended December 31, 2025 of $2.0 million, an increase of 34.7% compared to net income of $1.5 million for the three months ended December 31, 2024. Earnings per share, basic and diluted, increased to $0.40, for the three months ended December 31, 2025, compared to $0.30 for the three months ended December 31, 2024. Net income was $8.0 million for the year ended December 31, 2025, an increase of 28.2% compared to net income of $6.2 million for the year ended December 31, 2024. Earnings per share, basic and diluted, were $1.59 for the year ended December 31, 2025, compared to basic and diluted earnings per share of $1.25 and $1.24, respectively, for the corresponding 2024 period. President’s Message President and Chief Executive Officer, Marcie A. Barber stated, “We are very pleased to announce fourth quarter net income of $2.0 million and net income of $8.0 million for the year. Our growth in earnings was primarily due to the continued improvement in our net interest margin, which increased 34 basis points over the fourth quarter of 2024 and 27 basis points for the year ended December 31, 2024. These results were achieved through disciplined loan and deposit pricing. We believe that the growth in loan outstandings and increases in core deposits to support that growth were the result of our recent strategic initiatives. Credit quality remains strong with nonperforming loans totaling 0.1% of the total loan portfolio and delinquent and nonperforming loans comprising 0.2% of the portfolio. We anticipate strong loan activity to continue throughout 2026, as we extend our branch footprint to the Belleville market and expand our lending focus in the Centre County Region.” Financial Results for the 2025 Year Annualized return on average assets for the year ended December 31, 2025 was 0.92%, an increase of 27.8% compared to the an...