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AI English summary of an SEC filing — figures as filed

Northern Trust logoNorthern Trust NTRS

The company said net income for Q4 2025 was $466.0 million, and diluted earnings per share were $2.42. Net income was $457.6 million in the prior quarter, with earnings per share of $2.29, and $455.4 million in the year-earlier quarter, with earnings per share of $2.26.

8-KResults of Operations and Financial ConditionFiled Period of report Summary published (UTC)

Key points

AI summary
  1. The company said net income for Q4 2025 was $466.0 million, and diluted earnings per share were $2.42. Net income was $457.6 million in the prior quarter, with earnings per share of $2.29, and $455.4 million in the year-earlier quarter, with earnings per share of $2.26.

  2. Northern Trust said Trust, Investment and Other Servicing Fees for Q4 were $1,307.4 million, up 7% from a year earlier. Net interest income (FTE) rose 14% from the year-earlier quarter to $654.3 million. Total revenue (FTE) was $2,135.8 million.

  3. The company said its results for Q4 included severance-related charges of $58.8 million (pre-tax) and expense related to the Visa Class B swaps of $19.2 million (pre-tax). It also reported a release of the FDIC special assessment reserve of $9.5 million (pre-tax), which was recognized as a credit to Other Operating Expense.

  4. The company said it returned $521.6 million to common shareholders in Q4 through dividends and share repurchases. It repurchased 2,850,093 shares of common stock at a total cost of $369.8 million (average price of $129.77 per share) and maintained its quarterly cash dividend of $0.80 per share.

Summary

AI-written

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the filing body and confirmed exhibits. This is not a review of other exhibits, investor presentations or the full earnings call.

Northern Trust Q4 Net Income $466.0 million, Diluted EPS $2.42

The company said net income for Q4 2025 was $466.0 million, and diluted earnings per share were $2.42. Net income was $457.6 million in the prior quarter, with earnings per share of $2.29, and $455.4 million in the year-earlier quarter, with earnings per share of $2.26.

Source · Based on the filing body and exhibits

Q4 Fee Income and Net Interest Income (FTE)

Northern Trust said Trust, Investment and Other Servicing Fees for Q4 were $1,307.4 million, up 7% from a year earlier. Net interest income (FTE) rose 14% from the year-earlier quarter to $654.3 million. Total revenue (FTE) was $2,135.8 million.

Source · Based on the filing body and exhibits

Q4 Notable Items: Severance-Related Charges and Visa Class B Swaps

The company said its results for Q4 included severance-related charges of $58.8 million (pre-tax) and expense related to the Visa Class B swaps of $19.2 million (pre-tax). It also reported a release of the FDIC special assessment reserve of $9.5 million (pre-tax), which was recognized as a credit to Other Operating Expense.

Source · Based on the filing body and exhibits

Q4 Common Shareholder Returns of $521.6 million

The company said it returned $521.6 million to common shareholders in Q4 through dividends and share repurchases. It repurchased 2,850,093 shares of common stock at a total cost of $369.8 million (average price of $129.77 per share) and maintained its quarterly cash dividend of $0.80 per share.

Source · Based on the filing body and exhibits

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.

Source: SEC EDGAR (U.S. Securities and Exchange Commission). Item captions are the SEC's. The summary is for reference only and is not investment advice.