Efficiency And Expense ManagementManagement guided to lower 2025 expenses, attributed to lower operating losses, lower severance expense, and efficiency gains.
Financial PerformanceThe stock rose significantly driven by a better-than-expected 2025 NII guide and unexpected absolute expense reductions.
Strategic Growth OpportunitiesThe removal of the OCC consent order last year has opened the door to better monetizing investments in the consumer/branch footprint, which should be significantly accretive to growth/ROTCE.