AtlasClear (ATCH) Emerging Growth Conference 91 summary

Business model and market focus

• Building a technology-enabled platform to modernize trading, clearing, settlement, and banking for emerging financial institutions and fintechs.

• Primary asset is Wilson-Davis, a correspondent clearing firm with unique licensing, targeting regional broker-dealers and smaller fintechs underserved by larger incumbents.

• Integrated infrastructure includes clearing, pending acquisition of a Fed member bank, and plans to scale digital asset opportunities.

Recent developments and operational progress

• Acquired Wilson-Davis, which is performing well and has onboarded its second correspondent, Dawson James Securities.

• Upgraded technology stack to streamline onboarding of new broker-dealers, reducing future integration time.

• Agreement with LocBox has accelerated stock loan revenues, contributing to recent growth.

• Updated stock purchase agreement for Commercial Bancorp of Wyoming, with application preparation underway.

Financial performance and balance sheet

• Achieved 84% year-over-year revenue growth, $21.7 million in shareholder equity, $46.2 million in cash and restricted, and $77.6 million in total assets, up 21%.

• Wilson-Davis net capital increased by almost 50% from regulatory requirements since acquisition.

• Balance sheet improved from -$40 million to over $21 million in equity, a $60 million turnaround.

• Liquidity position strengthened, with going concern removed in Q1 2026.