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Bandwidth Releases 2025 State of Messaging Report: RCS, Deliverability and Consumer Trust Take Center Stage

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Report is a must-read playbook for enterprises to maximize engagement, improve deliverability and future-proof their business text messaging strategies

RALEIGH, N.C., Feb. 25, 2025 /PRNewswire/ — Bandwidth Inc. (NASDAQ: BAND), a leading global enterprise cloud communications company, today announced the release of its highly anticipated 2025 State of Messaging Report, which reveals the key trends shaping business messaging for enterprises worldwide.

As businesses navigate rising consumer expectations, evolving industry requirements and the emergence of next-gen messaging channels, Bandwidth’s new report provides critical insights to maximize engagement, improve deliverability and future-proof messaging strategies.

“Messaging remains one of the most powerful channels for enterprise communications, but the landscape is shifting rapidly,” said Tim Sherwood, Senior Vice President of Messaging and Mobility at Bandwidth. “With Apple’s adoption of RCS, along with global regulatory complexity and rising concerns over security and fraud, enterprises must evolve their approach to business messaging. Our latest report provides the knowledge and tools business senders need to adapt in this dynamic space and optimize their messaging investments to drive better consumer engagement.”

Key findings from the report include:

1. RCS will drive the next evolution of business messaging. With RCS (Rich Communication Services) now enabled on Apple devices, businesses are preparing for a more interactive, secure and engaging messaging experience. According to the report:

66 percent of businesses plan to increase their use of messaging once RCS is widely available.41 percent plan to use RCS for marketing campaigns, while 25 percent will leverage it for customer support.

2. Verified sending is a game-changer for building consumer trust. Consumers are increasingly skeptical of links sent via SMS due to phishing and fraud concerns. According to the report:

Branded messaging and verified sender status, features enabled by RCS, are becoming essential for enterprises to build trust and engagement.Verified messages allow businesses to use custom branding, rich media and interactive features directly within the native messaging app–improving response rates and consumer confidence.

3. Messaging rules and requirements are driving up costs. The report provides a best practices framework for navigating industry requirements and developing a strategy for long-term success. According to the report:

Businesses that fail to comply with registration requirements risk lower deliverability, increased costs and potential messaging disruptions.25 percent of businesses reported paying more due to recent changes in messaging rules and requirements.

4. Deliverability is the No. 1 factor when choosing a messaging provider. According to the report:

60 percent of businesses ranked message deliverability as the most important factor in selecting a messaging partner—above cost, features and capacity.

To improve message success rates, Bandwidth has invested in new tools and innovations, including:

Advanced Number Intelligence to monitor and maintain campaign list data,Real-time Traffic Monitoring and Alerting to help businesses maintain high deliverability, andMessage Registration Center to help business senders easily register campaigns and simplify compliance with carrier requirements.

Bandwidth’s 2025 State of Messaging Report is a must-read playbook for enterprises, SaaS platforms and marketers navigating the rapid evolution of business messaging. To download the full report and explore in-depth insights, visit here.

About Bandwidth Inc.
Bandwidth (NASDAQ: BAND) is a global cloud communications software company that helps enterprises deliver exceptional experiences through voice calling, text messaging and emergency services. Our solutions and our Communications Cloud, covering 65+ countries and over 90 percent of global GDP, are trusted by all the leaders in unified communications and cloud contact centers–including Amazon Web Services (AWS), Cisco, Google, Microsoft, RingCentral, Zoom, Genesys and Five9–as well as Global 2000 enterprises and SaaS builders like Docusign, Uber and Yosi Health. As a founder of the cloud communications revolution, we are the first and only global Communications Platform-as-a-Service (CPaaS) to offer a unique combination of composable APIs, AI capabilities, owner-operated network and broad regulatory experience. Our award-winning support teams help businesses around the world solve complex communications challenges every day. For more information, visit Bandwidth.com.

 

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SOURCE Bandwidth Inc.

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Cboe Global Markets Announces Increase in Share Repurchase Authorization; Declares Fourth-Quarter 2026 Dividend

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Increases share repurchase authorization by $550 millionQuarterly cash dividend of $0.86 per share

CHICAGO, Oct. 22, 2026 /PRNewswire/ — Cboe Global Markets, Inc. (Cboe: CBOE), a leading global markets operator and pioneer in equity and index derivatives, today announced its Board of Directors has authorized the company to repurchase up to an additional $550 million of its outstanding common stock and declared a quarterly cash dividend of $0.86 per share of common stock for the fourth quarter of 2026.

The fourth-quarter 2026 dividend is payable on December 15, 2026, to stockholders of record as of November 30, 2026. 

As of June 30, 2026, the Company had $536.8 million of availability remaining under its existing share repurchase authorizations.

“Cboe’s strong cash flow and robust balance sheet give us the flexibility to continue investing in our growth priorities while returning capital to shareholders,” said Craig Donohue, Chief Executive Officer of Cboe Global Markets. “Today’s increase to our share repurchase authorization, together with our dividend announcement, reflect the Board’s confidence in our business and our commitment to delivering long-term value.”

The share repurchase program has no expiration date. The repurchase program permits the company to purchase shares through a variety of methods, including in the open market, through established trading plans, or through privately negotiated transactions, in accordance with applicable securities laws. It does not obligate the company to make any repurchases at any specific time or situation. The timing and extent to which the company repurchases its shares will depend upon, among other things, market conditions, share price, liquidity targets, regulatory requirements and other factors. Share repurchases may be commenced or suspended at any time or from time to time without prior notice.

About Cboe Global Markets
Cboe Global Markets (Cboe: CBOE) is a leading global markets operator with a long history of innovation in equity and index derivatives. Since launching the world’s first listed options exchange in 1973, Cboe has pioneered landmark products, including the introduction of S&P 500® index options and the creation of the VIX® Index, the world’s leading gauge of market volatility, reshaping how investors manage risk and access opportunity. Today, Cboe operates derivatives, equities, and FX markets, providing trading, clearing, and investment solutions for customers worldwide. To learn more, visit www.cboe.com.

Cboe Media Contacts

Cboe Analyst Contact

Angela Tu

Tim Cave

Kenneth Hill, CFA

+1-646-856-8734

+44 (0) 7593-506-719

+1-312-786-7559

atu@cboe.com 

tcave@cboe.com

khill@cboe.com 

CBOE-C
CBOE-OE

Cboe®, Cboe Global Markets®, and VIX ® are registered trademarks or service marks of Cboe Exchange, Inc and S&P 500® is a registered trademark of Standard & Poor’s Financial Services LLC. All other trademarks and service marks are the property of their respective owners. 

Cautionary Statements Regarding Forward-Looking Information

This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that involve a number of risks and uncertainties. You can identify these statements by forward-looking words such as “may,” “might,” “should,” “expect,” “plan,” “anticipate,” “believe,” “estimate,” “predict,” “potential” or “continue,” and the negative of these terms and other comparable terminology. All statements that reflect our expectations, assumptions or projections about the future other than statements of historical fact are forward-looking statements. These forward-looking statements, which are subject to known and unknown risks, uncertainties and assumptions about us, may include projections of our future financial performance based on our growth strategies and anticipated trends in our business. These statements are only predictions based on our current expectations and projections about future events. There are important factors that could cause our actual results, level of activity, performance or achievements to differ materially from those expressed or implied by the forward-looking statements.

We operate in a very competitive and rapidly changing environment. New risks and uncertainties emerge from time to time, and it is not possible to predict all risks and uncertainties, nor can we assess the impact of all factors on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements.

Some factors that could cause actual results to differ include: the loss of our right to exclusively list and trade certain index options and futures products; economic, political and market conditions; compliance with legal and regulatory obligations; price and new products and services competition and consolidation in our industry; decreases in trading or clearing volumes, market data fees or a shift in the mix of products traded on our exchanges; legislative or regulatory changes or changes in tax regimes; our ability to protect our systems and communication networks from security vulnerabilities and breaches; our ability to attract and retain skilled management and other personnel; increasing competition by foreign and domestic entities; our business and operational dependence on and exposure to risk from third parties; factors that impact the quality and integrity of our and other applicable indices; our ability to manage our global operations, growth, and strategic acquisitions, wind downs, divestitures, or alliances effectively; increases in the cost of the products and services we use; our ability to operate our business without violating the intellectual property rights of others and the costs associated with protecting our intellectual property rights; our ability to minimize the risks, including our credit, liquidity, market, investment, counterparty, and default risks, associated with operating our clearinghouses; our ability to accommodate trading and clearing volume and transaction traffic, including significant increases, without failure or degradation of performance of our systems; misconduct by those who use our markets or our products or for whom we clear transactions; challenges to our use of open source software code; our ability to meet our compliance obligations, including managing our business interests and our regulatory responsibilities; the loss of key customers or a significant reduction in trading or clearing volumes by key customers; damage to our reputation; the ability of our compliance and risk management methods to effectively monitor and manage our risks; restrictions imposed by our debt obligations and our ability to make payments on or refinance our debt obligations; our ability to maintain an investment grade credit rating; impairment of our goodwill, long-lived assets, investments or intangible assets; the accuracy of our estimates and expectations; and litigation risks and other liabilities. More detailed information about factors that may affect our actual results to differ may be found in our filings with the SEC, including in our Annual Report on Form 10-K for the year ended December 31, 2025 and other filings made from time to time with the SEC.

We do not undertake, and we expressly disclaim, any duty to update any forward-looking statement whether as a result of new information, future events or otherwise, except as required by law. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date hereof.

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SOURCE Cboe Global Markets, Inc.

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Community Heritage Financial, Inc. Announces Adoption of Stock Repurchase Program

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MIDDLETOWN, Md., Oct. 22, 2026 /PRNewswire/ — Community Heritage Financial, Inc. (the “Company”) (OTCID: CMHF), the parent company of Middletown Valley Bank, today announced that its Board of Directors has adopted a stock repurchase program. Under the repurchase program, the Company may repurchase up to 147 thousand shares of its common stock. This amount represents approximately 5.0% of the Company’s 2.95 million shares of common stock outstanding.

The repurchase program permits shares to be repurchased from time to time on the open market, in private-negotiated transactions or otherwise. Repurchases will be made at management’s discretion at prices management considers to be attractive and in the best interests of the Company and its stockholders, subject to general market conditions, the trading price of the Company’s common stock, regulatory requirements and limitations, alternative uses for capital, the Company’s financial performance, and other factors deemed appropriate.

The repurchase program expires August 21, 2027.  The repurchase program may be suspended, terminated or modified at any time for any reason and does not obligate the Company to purchase any particular number of shares.

About Community Heritage Financial, Inc.

Community Heritage Financial, Inc. is the parent company of Middletown Valley Bank (the “Bank” or “MVB”). Middletown Valley Bank offers a full suite of personal and business banking solutions, along with residential mortgage lending through its MVB Home Loans division. At the heart of the MVB brand is a commitment to delivering Absolutely Exceptional Experiences – one customer, one community, one experience at a time. Founded in 1908 in Middletown, Maryland, MVB has grown to serve customers across Frederick, Washington, and Garrett counties in Maryland, as well as Franklin County, Pennsylvania. For more information, visit www.communityheritageinc.com or www.mvbbank.com.

Forward-Looking Statements

This press release contains forward-looking statements within the meaning of applicable securities laws.  Forward-looking statements can generally be identified by the use of forward- looking terminology such as “believes,” “expects,” “intends,” “may,” “will,” “should,” “anticipates” or similar terminology.  Such statements are subject to risks and uncertainties that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements.  Potential risks and uncertainties include, but are not limited to, changes in interest rates, stock market liquidity, deposit flows, loan demand and real estate values, as well as changes in economic, competitive, governmental, regulatory, technological and other factors which may affect the Company specifically, its existing and target market areas or the banking industry in general.  The realization or occurrence of these risks or uncertainties could cause actual results to differ materially from those addressed in the forward-looking statements.  The statements in this press release are made as of the date of this release.  The Company undertakes no obligation to update or revise any forward-looking statement, whether as a result of new information, future events or results or otherwise, except as required by law.

Community Heritage Financial, Inc. 

Robert E. Goetz, Jr. (“BJ”)
President & Chief Executive Officer
301-371-3055

John A. Scaldara, Jr.
Executive Vice President and Chief Financial Officer
301-371-3070

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SOURCE Community Heritage Financial, Inc.

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Insurance Professional Paula Miller Shares Questions to Ask Before Choosing Life Insurance in HelloNation

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The article explains how coverage needs, policy terms, premiums, exclusions, and beneficiaries can help families compare their options.

SIMI VALLEY, Calif., Oct. 22, 2026 /PRNewswire/ — What questions should you ask before choosing life insurance?

HelloNation has published an article featuring insights from Insurance Professional Paula Miller of Simi Valley, CA. The article explains how asking about coverage, costs, policy terms, and family needs can help households make informed comparisons before selecting a policy.

The HelloNation article explains that choosing life insurance begins with determining which type of policy fits a household’s goals. Term life insurance generally provides protection for a set period, while permanent policies may provide longer coverage when policy requirements are met. Understanding these differences can help narrow the available choices.

The amount of life insurance coverage is another important consideration. Income, debts, housing expenses, education plans, and dependent needs may all influence how much protection a household requires. The article notes that life insurance coverage should reflect what the policy would need to provide if the insured person died.

Coverage length should also match the household’s expected financial timeline. Term life insurance may be appropriate when protection is needed while children remain dependent, a mortgage is being paid, or retirement savings are still growing. Buyers should understand what happens when the initial term ends before selecting a policy.

The article also recommends examining life insurance premiums carefully. Age, health, coverage amount, policy type, and underwriting factors can influence cost. An insurance agent should be able to explain how these factors affect pricing and whether life insurance premiums remain level or may change over time.

Price alone, however, does not provide a complete basis for comparison. The article explains that policy exclusions, benefit terms, and coverage duration can affect the protection a policy provides. Reviewing policy exclusions before purchasing can help households understand circumstances that may limit coverage.

Beneficiaries are another important part of policy planning. Policyholders should understand how beneficiaries are named and how those selections can be changed. Marriage, divorce, births, deaths, and other significant life events may create reasons to review those decisions.

Optional policy features also deserve careful attention. Some policies include riders or other provisions designed for specific circumstances. The article recommends asking what each feature provides, what it costs, and whether it addresses a financial need relevant to the household.

The application process can affect both eligibility and final pricing. Depending on the policy, an insurer may review health information and other underwriting factors before making a final offer. An insurance agent can explain unfamiliar provisions and help applicants understand why an initial estimate may differ from final policy terms.

The article emphasizes that several factors should be evaluated together when comparing policies. Coverage amount, duration, benefits, costs, and contract terms can all affect the protection provided. Understanding these details can help families evaluate policies based on their financial responsibilities rather than monthly price alone.

Insurance needs can also change over time. Buying a home, growing a family, changing careers, or reducing debt may affect the amount or duration of protection needed. Periodically reviewing life insurance can help determine whether existing protection still reflects a household’s circumstances.

What Questions Should You Ask Before Choosing Life Insurance? features insights from Paula Miller, Insurance Professional of Simi Valley, CA, in HelloNation.

About HelloNation
HelloNation is America’s Good News Network, a premier media platform built on the idea that good news travels faster when real people tell real stories. Through its community-focused publications and innovative “edvertising” approach, HelloNation delivers content that informs, inspires, and spotlights the leaders making a meaningful impact in their communities.

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SOURCE HelloNation

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