Earnings Call Transcripts
Access detailed transcripts and key takeaways from company earnings calls
All Earnings Calls
First Horizon Q1 2026 Earnings Call - 15%+ ROTCE, C&I Loan Momentum Fuels Profitable Start to 2026
First Horizon opened 2026 with measurable momentum. The bank reported its third consecutive quarter above 15% adjusted ROTCE, driven by robust commercial and industrial lending, disciplined deposit pr...
- Third straight quarter above 15% adjusted ROTCE, reported at 15.1% and up over 200 basis points year-over-year.
- EPS of $0.53 in Q1 2026, up $0.11 versus Q1 2025.
- Net interest income grew 6% year-over-year despite a declining rate environment, outpacing loan growth of 3% over the same period.
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Equity Bancshares, Inc. Q1 2026 Earnings Call - Frontier Integration Boosts Scale and Delivers Strong Adjusted Earnings and 16% ROATE
Equity Bancshares opened 2026 by folding Frontier fully into the franchise, converting systems on time and pushing pro forma scale that lifted revenue and adjusted profitability. GAAP net income was m...
- Reported GAAP net income for Q1 2026 was $17.0 million, or $0.80 per diluted share, held down by merger-related charges and Frontier-related provisioning.
- Adjusted earnings, excluding non-core items, were $26.2 million or $1.23 per diluted share, slightly above the prior quarter on a combined company basis.
- Adjusted return on average tangible common equity was a strong 16.1% for the quarter, showing material uplift versus the same period last year.
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American Strategic Investment Co. Q4 2025 Earnings Call - $46.6M Foreclosure Gain as Company Prunes Non-Core Assets
ASIC closed 2025 with a smaller headline loss, but a much thinner operating story. Revenue fell to $43.3 million from $61.6 million a year earlier, driven largely by property dispositions, and adjuste...
- Company recognized a $46.6 million gain in 2025 from a cooperative consensual foreclosure related to 1140 Avenue of the Americas, removing related assets and liabilities from the balance sheet.
- Full-year 2025 revenue was $43.3 million, down from $61.6 million in 2024, primarily due to property dispositions including 9 Times Square (late 2024) and 1140 Avenue of the Americas (Q4 2025).
- Q4 2025 revenue was $6.5 million versus $14.9 million in Q4 2024.
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Arrive AI Q4 2025 and FY2025 Earnings Call - IP-heavy last-inch network advancing, revenue still immaterial while company burns cash to scale
Arrive AI used the call to double down on its narrative: build a patent-protected network of secure delivery endpoints, iterate hardware (AP3 to AP5), and convert deployments into scale rather than ch...
- Revenue remains immaterial, $15,000 in Q4 2025 and about $113,000 for the full year, all subscription revenue.
- Losses widened, with Q4 net loss of $2.7 million and full-year net loss of $12.8 million, driven by higher operating expenses and hiring.
- Liquidity improved in January 2026 with a $10 million draw from the companys equity line, after ending 2025 with $2.1 million cash.
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Vince Holding Corp. Fourth Quarter and Fiscal 2025 Earnings Call - DTC Momentum Offsets Saks Headwind and Tariff Pressure
Vince closed fiscal 2025 with clear momentum in direct-to-consumer, which drove Q4 net sales to $83.7 million, up 4.7% year over year, and DTC sales up 10.4%. Management credits improved customer expe...
- Q4 net sales were $83.7 million, up 4.7% versus prior year, capping fiscal 2025 net sales growth of 2.2%.
- Direct-to-consumer strength is driving results, with DTC sales up 10.4% in Q4 and management calling store performance the best six-month run they have seen.
- Wholesale declined 1.2% in Q4, largely because Vince paused shipments to Saks Global amid that partner’s reorganization.
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ASML Q1 2026 Earnings Call - Demand Surge from AI Pushes 2026 Sales Guidance Up to EUR 36-40bn
ASML beat for margin and matched top-line guidance in Q1 with EUR 8.8 billion in net sales, EUR 2.5 billion coming from installed base revenue, and a 53% gross margin. Management reported EUR 2.8 bill...
- Q1 net sales EUR 8.8 billion, within guidance; installed base revenue EUR 2.5 billion, slightly above guidance.
- Q1 gross margin 53%, at the high end of guided range; net income EUR 2.8 billion.
- Q2 2026 guidance: EUR 8.4 billion to EUR 9.0 billion total net sales, with EUR 2.5 billion of installed base revenue and gross margin expected at 51% to 52%.
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Gloo Holdings Fiscal Fourth Quarter 2025 Earnings Call - Clear path to Adjusted EBITDA profitability driven by applied AI and accretive M&A
Gloo posted a strong Q4 2025, with revenue of $33.6 million, up 418% year over year and modest sequential growth, and a materially stronger balance sheet after its November IPO and debt-to-equity conv...
- Q4 2025 revenue $33.6 million, up 418% year over year and 3.3% sequentially, beating guidance.
- Platform revenue was $20.1 million; platform solutions revenue was $13.5 million, with sequential strength driven by Gloo 360 and Igniter.
- Adjusted EBITDA for Q4 was negative $18.6 million, improving $0.7 million sequentially; Q1 guide targets roughly negative $12 million, a more than 30% improvement from Q4.
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Mama's Creations Q4 and Fiscal 2026 Earnings Call - Acquisition and Costco Breakthrough Scale the Business
Fiscal 2026 was framed as transformational. Mama's Creations grew revenue 39% to $171.7 million, delivered a record Q4 at $54.0 million, and boosted adjusted EBITDA to $15.4 million. Management points...
- Revenue grew 39.2% for fiscal 2026 to $171.7 million, Q4 revenue jumped 60.7% year over year to $54.0 million.
- Adjusted EBITDA rose 52.5% for the year to $15.4 million, and Q4 adjusted EBITDA increased 77.4% to $5.5 million.
- Completed Crown 1 Bay Shore acquisition, adding a 42,000 sq ft facility that nearly doubled manufacturing footprint and expanded premium capabilities.
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SurgePays Q4 2025 Earnings Call - Proven scalability when funded, now capital disciplined and diversified revenue streams
SurgePays closed 2025 as a company that proved it can scale fast when it spends, and then pulled back to prove it can manage costs. Full year revenue was about $57 million, with Q4 at $16.2 million af...
- Full year 2025 revenue approximately $57.0 million, Q4 revenue $16.2 million.
- Q3 2025 was an inflection quarter, revenue jumped to $18.7 million when capital was deployed into subscriber acquisition, proving platform scalability.
- Q4 2025 revenue fell sequentially after management pulled back acquisition spend to prioritize capital discipline; Q4 still materially above Q4 2024.
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Citigroup Q1 2026 Earnings Call - Markets and Services Fueled a Blowout Quarter, Yet Citi Holds to 10%-11% ROTCE Target
Citi delivered a muscular start to 2026, reporting $5.8 billion in net income on $24.6 billion of revenues and a 13.1% ROTCE, driven by breakout performances in Markets and Services. Management deploy...
- Net income $5.8 billion on $24.6 billion of revenues, ROTCE 13.1% for Q1 2026, signaling strong operating momentum across the firm.
- Total revenues rose 14% year over year, with four of the five core businesses posting double-digit revenue growth.
- Services had an exceptional quarter: revenues +17%, new mandates +40%, deposits +16%, assets under custody and administration +21%, and ROTCE ~27%.
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