Introduction Josh Disbrow Co-Founder & Chief Executive Officer Forward Looking Statements EXXUA™ Launch Aytu BioPharma Investor Day January 20, 2026 Actor portrayals. This presentation includes forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended ("Securities Act"), and Section 21E of the Securities Exchange Act of 1934, as amended ("Exchange Act"). All statements other than statements of historical facts contained in this presentation, are forward-looking s ...

Financial Performance & Profitability - EPS grew by 11% year-over-year, reaching $5.47 in 2025 compared to $4.93 in 2024[11] - ROAA was 1.4% and ROAE was 14.1% in 2025[11] - Total deposits increased by 12%, with 2% growth excluding deposits gained from the acquisition[11] - Net interest margin was 3.47% in 2025, slightly down from 3.58% in 2024[11] Loan Portfolio & Asset Quality - Commercial loans increased by 6% including the acquisition, and 2% excluding it[11] - Nonperforming assets to total assets ratio stood at 0.12% at the end of 2025[11] - Net loan charge-offs to average loans were 0.04% in 2025[11] - Floating Rate Commercial Loans accounted for $3,046.8 million, while Fixed Rate Commercial Loans were $871.9 million[108] Capitalization & Shareholder Value - CET1 capital ratio was 11.0% at the end of 2025, up from 10.7% at the end of 2024[11] - Tangible book value per share was $36.78 at the end of 2025, compared to $33.14 at the end of 2024[11] Acquisition & Strategic Initiatives - The acquisition of Eastern Michigan Financial Corporation closed on December 31, 2025[25] - The loan-to-deposit ratio decreased to 91% at YE 2025 from 98% at YE 2024[11,26]

4Q25 Earnings Presentation Management does not provide a reconciliation for forward-looking non-GAAP financial measures where it is unable to provide a meaningful or accurate calculation or estimation of reconciling items and the information is not available without unreasonable effort. This is due to the inherent difficulty of forecasting the occurrence and the financial impact of various items that have not yet occurred, are out of the Bancorp's control or cannot be reasonably predicted. For the same reas ...

2025 Fourth Quarter Investor Teleconference January 20, 2026 1 Safe Harbor Statement All statements made herein that are not historical facts (e.g., future operating results, net sales growth, long-term share gains, and business activity, as well as expectations regarding operations, including gross and operating income margin, eBusiness DSR sales growth, weighted FMI technology signings, operating costs (including SG&A), capital expenditures, sales through our digital footprint, cash flow generation, our a ...

J a n u a r y 2 0 , 2 0 2 6 U.S. Bancorp 4Q25 Earnings Conference Call ©2025 U.S. Bank | Confidential 1 Forward-looking Statements and Additional Information The following information appears in accordance with the Private Securities Litigation Reform Act of 1995: This presentation contains forward-looking statements about U.S. Bancorp. Statements that are not historical or current facts, including statements about beliefs and expectations, are forward-looking statements and are based on the information ava ...

2025 Fourth Quarter Earnings (unaudited) Bill Brown Anurag Maheshwari Chief Financial Officer Chinmay Trivedi Senior Vice President, Investor Relations and Financial Planning & Analysis Chairman and CEO Forward-looking statements This document contains forward-looking statements. You can identify these statements by the use of words such as "plan," "expect," "aim," "believe," "project," "target," "anticipate," "intend," "estimate," "will," "should," "could," "would," "forecast," "future," "outlook," "guidan ...

Financial Performance & Expectations - D.R. Horton's Q1 FY26 net income was $594.8 million, resulting in earnings per diluted share of $2.03[88] - The company's consolidated pre-tax income for Q1 FY26 was $798.1 million, with a pre-tax profit margin of 11.6%[88] - D.R. Horton anticipates FY 2026 consolidated revenues to be in the range of $33.5 billion to $35.0 billion and expects to close between 86,000 and 88,000 homes[18] - The company expects to repurchase approximately $2.5 billion of common stock and pay out ~$500 million in dividends in fiscal year 2026[18,58] Market Position & Operations - D.R. Horton closed 17,818 homes in Q1 FY26, generating home sales revenues of $6.5 billion[88,89] - 63% of D.R. Horton's homebuyers are first-time homebuyers[8] - D.R. Horton's average sales price is $368.3K[8,28] - D.R. Horton's financial services segment had an 81% mortgage capture rate of D.R. Horton homebuyers[15,84] Land and Lot Strategy - D.R. Horton had 445,000 controlled lots (75%) and 145,500 owned lots (25%) as of December 31, 2025[78] - Forestar, in which D.R. Horton owns 62%, sold 14,240 lots and generated $1.7 billion of revenue in FY25[84,110]

20 January 2026 Agreement to acquire RAPT Therapeutics Lead asset: ozureprubart, a potential best-in-class, long-acting anti-IgE monoclonal antibody for food allergy gsk.com Speakers Luke Miels Chief Executive Officer Tony Wood Chief Scientific Officer Disclosure statement This communication is for informational purposes only and is neither an offer to purchase nor a solicitation of an offer or a recommendation to sell securities, nor is it a substitute for the tender offer materials that Redrose Acquisitio ...

KeyCorp Fourth Quarter 2025 Earnings Review January 20, 2026 Chris Gorman Chairman and Chief Executive Officer Clark Khayat Chief Financial Officer Delivering Value to Our Shareholders - Strong Positioning for the Future Building Momentum in 2025 and Beyond +16% Revenue (TE)(1) YoY growth +23% Net interest income (TE) +11.8% 2025 operating leverage(1) +26% 2025 total shareholder return, #2 rank amongst peers(2) Taking Action to Execute Substantial ROTCE Growth Plan ROTCE targets with limited execution risk ...

BGE-102 (NLRP3 Inhibitor) - BGE-102 is a potential best-in-class NLRP3 inhibitor with an IC90 of 18 nM by human ex-vivo whole blood stimulation[23] - In obese participants, BGE-102 achieved an 86% reduction in hsCRP and normalized hsCRP (<2 mg/L) in 93% of patients after 14 days of dosing at 120 mg QD[8, 35] - Phase 1 clinical trial full data is anticipated in H1 2026[7, 32] - BGE-102 demonstrated ≥90% suppression of IL-1β for 24 hours after 14 days of dosing at 60 mg QD in healthy volunteers[35] - BGE-102 resulted in a 44-62% reduction in IL-6 in obese participants[66] APJ Agonist - Preclinical models suggest APJ agonism has the potential to double weight loss and fully restore body composition when combined with an incretin[8] - IND submission for APJ agonist is anticipated by 2026 YE[8] Financial Status - The company reported a strong balance sheet with $2959 million in cash, cash equivalents, and marketable securities as of September 30, 2025[164] Therapeutic Areas - Normalizing hsCRP (<2 mg/L) can drive a 25% reduction in MACE[83, 84]