Regional and Community Banks Post Mixed Q3 Results

Regional and community banks reported mixed Q3 results, with modest profit gains but varied revenue and asset-quality trends. Spain’s Bankinter posted a 5% rise in Q3 net profit to €270 million. BankUnited beat EPS expectations ($0.95 vs. $0.84) though it posted a slight revenue miss of $275.7 million and investors are watching rising net charge-offs. Home Bancorp reported Q3 net income of $12.4 million and diluted EPS of $1.59 (up from $1.45), with deposits rising but loans falling amid slower loan production and higher paydowns. Cornerstone and CVB Financial recorded small year-over-year profit increases, while United Security and Bridgewater showed margin and deposit improvements (United Security NIM 4.35%; Bridgewater NIM 2.63% with a path toward roughly 3% by 2027). River Valley reiterated strong third-party ratings, and analysts say deposit flows, loan pipelines, reserve levels and management guidance will determine near-term stock performance across the sector.