Particle.news
Download on the App Store

Synchrony, Community Financial and Camden National Post Strong Q4 Results, Highlight Margin Gains and Growth Moves

Executives pointed to resilient core performance even as one‑off charges weighed on reported totals.

Overview

  • Synchrony reported fourth‑quarter net earnings of $751 million, or $2.40 per share, which included a $0.14 restructuring charge tied to a voluntary early‑retirement program.
  • Synchrony logged a fourth‑quarter record of more than $49 billion in purchase volume with digital platform spending up 6% on higher spend per account.
  • Community Financial posted record operating revenues of $215.6 million and a record $133.4 million in net interest income as net interest margin rose six basis points to 3.39%.
  • Community Financial flagged elevated non‑interest expense of $138.5 million from incentive true‑ups and branch integration costs and outlined 2026 targets that include 3.5%–6% loan growth, 2%–3% deposit growth, 8%–12% NII growth, de novo branches and the planned ClearPoint acquisition.
  • Camden National recorded a quarterly earnings record of $22.6 million with net interest margin up 13 basis points to 3.29% as management said Northway Financial acquisition benefits are fully delivering, supported by solid credit metrics and strong home‑equity growth.