Earnings Call Transcripts
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All Earnings Calls
SouthState Corporation Q3 2025 Earnings Call - Integration Lift, Accretion Volatility, and a Clear Plan to Hunt Deposits and Loans
SouthState reported a robust quarter driven by merger math and fee strength, but the fine print matters. EPS jumped 30% year over year and return on tangible equity hit 20%, largely as the Independent...
- EPS up 30% year over year, driven in large part by merger-related accretion and integration benefits from the Independent Financial acquisition.
- Return on tangible equity reached 20%, signaling strong capital productivity post-integration.
- Reported tax-equivalent margin was 4.06% for the quarter, producing net interest income of $600 million, up $22 million versus Q2 largely due to accretion.
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Colony Bankcorp Q3 2025 Earnings Call - Margin Expansion Fuels Operating Earnings and Tangible Book Value, TC Merger On Track
Colony Bankcorp delivered another quarter of steady improvement, driven by net interest margin expansion and rising core revenue. NIM ticked up 5 basis points quarter over quarter, net interest income...
- NIM expanded for a third consecutive quarter, up 5 basis points QoQ, and management says margin has improved 53 basis points since Q3 2024.
- Operating net income rose $252,000 QoQ, driven by $314,000 higher net interest income and about $1.0 million increase in operating non-interest income.
- New and renewed loan yield was 7.83% in the quarter, while recent rolloff yields were roughly 5%, leaving room to pick up yield on repricings.
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Plexus Corp. Fiscal Q4 2025 Earnings Call - Strong wins, cash flow and margin progress position the company to accelerate FY26 growth
Plexus closed fiscal 2025 with tangible momentum: Q4 revenue of $1.058 billion, non-GAAP operating margin of 5.8% and non-GAAP EPS of $2.14, while delivering $97 million of free cash flow in the quart...
- Q4 revenue $1.058 billion, near top of guidance, marking third consecutive quarter of sequential growth.
- Non-GAAP operating margin expanded to 5.8% in Q4, a 40 basis point improvement year over year for fiscal 2025.
- Non-GAAP EPS of $2.14 exceeded guidance, aided by favorable discrete tax items and lower non-operating expense.
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CACI International First Quarter Fiscal Year 2026 Earnings Call - Reaffirmed guidance as national-security tech wins drive bookings, backlog, and margins
CACI kicked off FY2026 with a punch. Revenue of nearly $2.3 billion, 11.2% year-over-year growth, an EBITDA margin of 11.7%, $143 million of free cash flow, and $5 billion of contract awards in the qu...
- Company reaffirmed FY2026 guidance: revenue $9.2–$9.4 billion, EBITDA margin in the mid-11% range, adjusted net income $605–$625 million, and free cash flow at least $710 million.
- Q1 results: revenue nearly $2.3 billion (+11.2% YoY; +5.5% organic), EBITDA margin 11.7% (up 120 bps YoY), adjusted EPS $6.85 (+16%), and free cash flow $143 million.
- Contract awards and bookings: $5 billion won in Q1, resulting in a quarter book-to-bill of 2.2x and a trailing 12-month book-to-bill of 1.3x.
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Molina Healthcare Q3 2025 Earnings Call - Marketplace Utilization Shock Slices EPS Despite Small Revenue Share
Molina reported a messy third quarter that forced a material earnings reset. Q3 adjusted EPS was $1.84 on $10.8 billion of premium revenue, with a consolidated MCR of 92.6% and an adjusted pre-tax mar...
- Q3 adjusted EPS $1.84 on $10.8 billion of premium revenue, consolidated Q3 MCR 92.6% and adjusted pre-tax margin of 1%.
- Full-year premium revenue guidance raised to approximately $42.5 billion, but adjusted EPS guidance cut to about $14, down from $19 and far below the original $24.50; consolidated full-year MCR guidance 91.3% and pre-tax margin 2.1%.
- Roughly half of the EPS downgrade traces to the Marketplace business even though it is only ~10% of Molina’s revenue, highlighting asymmetric risk concentration.
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Rogers Communications Q3 2025 Earnings Call - MLSE consolidation lifts media, but balance sheet shows strain at 3.9x leverage
Rogers posted a solid operational quarter, with industry-leading wireless and cable margins and continued customer additions, while folding MLSE into results for the first time. Wireless added 111k mo...
- Rogers consolidated MLSE effective July 1, 2025, and Q3 is the first quarter with MLSE fully in Rogers’ sports and media segment.
- Media revenue jumped 26% year over year to $753 million in Q3, driven by MLSE consolidation, Blue Jays strength and added Warner Discovery content.
- Media adjusted EBITDA was $75 million in Q3 versus $136 million a year ago, reflecting a seasonally low MLSE EBITDA this quarter; management expects MLSE to be substantially accretive in Q4 and H2 2025.
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Sonoco Products Company Q3 2025 Earnings Call - Record margins from EMEA deal, but EMEA demand weakness and Thermosafe sale reshape the outlook
Sonoco reported a standout third quarter: sales jumped 57% to $2.1 billion and adjusted EBITDA rose 37% to $386 million, producing a record adjusted EBITDA margin of 18.1%. The jump was driven largely...
- Q3 headline results were strong: net sales +57% to $2.1 billion, adjusted EBITDA +37% to $386 million, and adjusted EBITDA margin hit a company record of 18.1%.
- Adjusted EPS was $1.92, a 29% year-over-year increase, driven by price-cost benefits, the EMEA acquisition, and productivity gains.
- Consumer segment sales surged 117% year over year, largely attributable to the metal packaging EMEA acquisition and favorable FX, though volume mix remained unfavorable.
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Roper Technologies Q3 2025 Earnings Call - AI momentum, $3B buyback and continued M&A firepower
Roper reported a solid Q3: total revenue +14% (organic +6%), EBITDA $810m (+13%) with 40.2% margin, and free cash flow of $842m (+17%), underpinning a TTM FCF margin near 32%. Management doubled down ...
- Q3 results: total revenue +14% year-over-year, organic revenue +6%; consolidated revenue topped $2 billion for the quarter.
- Profitability: EBITDA $810 million, up 13% YoY, with EBITDA margin of 40.2% and core margins modestly expanded.
- Free cash flow: $842 million in Q3 (+17% YoY); TTM free cash flow exceeds $2.4 billion and FCF margins are ~32% on a TTM basis.
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Mobileye Global Inc. 3Q25 Earnings Call - Volumes Beat, Guidance Raised, Driver-Out Robotaxi Target 1H26
Mobileye delivered a tidy beat and an upgrade. Third-quarter revenue was $504 million, up 4% year over year, and the business generated strong cash, with Q3 operating cash flow of $167 million and rou...
- Q3 revenue $504 million, up 4% year over year.
- Operating cash flow of $167 million in Q3; year-to-date operating cash flow roughly $489m to $500m, up about 150% YoY.
- Mobileye raised the midpoint of its full-year 2025 guidance: revenue midpoint up 2% and adjusted operating income midpoint up 11% versus prior guidance.
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Univest Q3 2025 Earnings Call - Public funds surge inflates deposits and excess liquidity, muting reported NIM while core margin expands
Univest printed a quarter of contradiction. A seasonal tidal wave of public funds drove a $635.5 million deposit build, creating excess liquidity that knocked reported NIM down to 3.17% even as core N...
- Commercial loan commitments through Sept 30 were $808 million, up from $659 million a year ago, signaling healthy origination activity.
- Despite higher commitments, loan outstandings contracted by $41.1 million year to date, versus growth of $163.5 million in the prior year, showing weaker funded loan growth.
- Total deposits rose $635.5 million in the quarter, driven primarily by a seasonal public funds build of $473.2 million; ex-public funds, deposits increased $162 million.
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