Earnings Call Transcripts
Access detailed transcripts and key takeaways from company earnings calls
All Earnings Calls
USCB Financial Holdings Q4 2025 Earnings Call - Deliberate Securities Loss to Reinvest in Higher-Yield Loans and Lift NIM
USCB closed 2025 with solid underlying performance and a deliberately noisy quarter. Management sold $44.6 million of low-yield available-for-sale securities, took a $5.6 million after-tax hit, and re...
- Management executed a targeted December sale of $44.6 million of AFS securities, realizing a $5.6 million after-tax loss, to redeploy cash into higher-yielding loans.
- Q4 GAAP diluted EPS was $0.07. Excluding the securities loss and a $0.06 per-share tax charge for prior-period out-of-state income, operating diluted EPS was $0.44.
- Company guidance for modeling tax expense is 26.4% going forward, after recognizing prior-state tax liabilities of roughly $1.1 million in Q4.
- +13 more takeaways
OceanFirst Financial Corp. Q4 2025 Earnings Call - Loan Surge and Flushing Deal Set the Growth Story
OceanFirst closed Q4 with unmistakable organic momentum, driven by back-to-back $1 billion origination quarters and record quarterly loan growth. Net interest income expanded for a fifth straight quar...
- Reported Q4 GAAP EPS of $0.23, and core EPS of $0.41.
- Net interest income rose for the fifth consecutive quarter, up $5 million or 5% sequentially, and up 14% year over year.
- Total loans increased $474 million in the quarter, an 18% annualized growth rate, driven by roughly $1.0 billion in originations for the second straight quarter.
- +11 more takeaways
Byline Bancorp 4Q 2025 Earnings Call - Board Hikes Dividend 20% and Readies Buybacks as Bank Eyes $10B Asset Milestone
Byline closed 2025 with tidy results and an assertive capital posture. The bank reported $130.1 million in net income for the year, a record Q4 net interest income, and a 20% dividend increase while a...
- Full-year 2025 net income was $130.1 million, or $2.89 per diluted share, on revenue of $446 million, up 9.7% year-over-year.
- Q4 2025 net income was $34.5 million, or $0.76 per diluted share, on revenue of $117 million; pre-tax, pre-provision ROA was 232 basis points for the quarter.
- Board approved a 20% increase in the quarterly dividend and authorized a repurchase program up to 5% of outstanding shares; the company repurchased ~346,000 shares in the quarter and returned $42 million to shareholders in 2025.
- +11 more takeaways
Cohen & Steers Q4 2025 Earnings Call - Real-assets rotation fuels renewed inflows and a fat pipeline
Cohen & Steers closed 2025 with modest top-line and EPS gains, steady margins, and a renewed flow story centered on real assets. Q4 as‑adjusted EPS was $0.81, full‑year EPS $3.09, revenue for the quar...
- Q4 as‑adjusted EPS $0.81, matching the prior quarter; full‑year 2025 EPS $3.09 versus $2.93 in 2024.
- Q4 revenue $143.8 million, up 2% sequentially; full‑year revenue $554 million, up 6.9% year over year.
- Effective fee rate (ex performance fees) held at 59 basis points in Q4; performance fees recognized were $1.7 million.
- +15 more takeaways
SLB Q4 2025 Earnings Call - Production Recovery, Digital & ChampionX Set Up 2026 Rebound
SLB closed 2025 with a solid operational quarter, driven by a 9% sequential revenue step-up to $9.7 billion and margin expansion, but the beat masks a lumpy mix. An extra month of ChampionX accounted ...
- Q4 revenue $9.7 billion, up 9% sequentially, driven by high single-digit international growth and mid-teens North America growth.
- About $300 million of Q4 revenue came from an extra month of ChampionX consolidation, with roughly $500 million of organic sequential revenue uplift.
- Excluding ChampionX, organic revenue rose 7% internationally and 6% in North America sequentially, the first broad sequential growth across geographies since Q2 2024.
- +17 more takeaways
Webster Financial Corporation Q4 2025 Earnings Call - Credit Remediation and HSA Deposit Optionality Support 3.35% NIM Outlook
Webster closed 2025 with clean headlines and a deliberate tone. The bank delivered a 17% ROTCE and 1.2% ROA, grew loans about 7.8% and deposits 6% for the year, repurchased 10.9 million shares, and en...
- FY2025 headline metrics: 17% ROTCE, 1.2% ROA, EPS up 10% year over year, tangible book value per share up 13%.
- Balance sheet growth: loans up 7.8% for FY2025, Q4 loans up $1.5 billion (2.8% q/q); total assets up about $5.0 billion or 6.4% for the year.
- Deposits: FY deposits up 6% year over year, Q4 deposits up 0.9% q/q after a seasonal $1.2 billion public funds outflow that management expects to reverse in Q1.
- +15 more takeaways
Amerant Bancorp Fourth Quarter 2025 Earnings Call - Credit cleanup and balance-sheet right-sizing set the three-year turnaround targets: 1% ROA and ~60% efficiency
Amerant closed 4Q25 with a deliberate reset. Management cut the balance sheet below the $10 billion threshold, exited non-core funding, and pushed an intensive credit review that reclassified and expe...
- Amerant executed a deliberate balance-sheet shrink to $9.8 billion at quarter end, down from $10.4 billion in 3Q25, by using excess liquidity and selling investments.
- Management targets credit stabilization as the number one priority, conducting reviews that covered approximately $5.3 billion or 85% of the commercial loan portfolio.
- Non-performing assets rose to $187 million, or 1.9% of assets, from $140 million, with management reporting January reductions in NPLs to $155 million after paydowns and sales.
- +16 more takeaways
Eastern Bankshares, Inc. Fourth Quarter 2025 Earnings Call - Leaning Into Organic Growth and Buybacks, Not M&A
Eastern closed 2025 with a strong finish, reporting net income of $99.5 million and operating earnings of $94.7 million, boosted by the late-year HarborOne acquisition and solid organic commercial loa...
- Net income for Q4 2025 was $99.5 million, or $0.46 per diluted share; operating earnings were $94.7 million and $0.44 per diluted share.
- Eastern attributes a large portion of Q4 performance to the HarborOne merger, which closed November 1 and added roughly $4.5 billion of loans and $4.3 billion of deposits.
- Management is explicit: no M&A for the foreseeable future, focus instead on organic growth across commercial banking and wealth, and returning excess capital to shareholders.
- +11 more takeaways
Customers Bancorp Q4 2025 Earnings Call - Qubix $2T Payments Volume and Deposit-led Growth Power Positive Operating Leverage
Customers Bancorp closed 2025 by leaning into what made it distinct, payments and deposit-gathering. Management touted a smooth CEO succession, record NII, and operating leverage driven by a payments ...
- Leadership transition executed: Sam Sidhu named CEO after a five-year succession process, Jay Sidhu remains Executive Chairman.
- 2025 headline numbers: core EPS $7.61 for the year (up 36% YoY), Q4 core EPS $2.06, core ROE 13.8%, ROA 1.2%.
- Tangible book and capital: tangible book value per share $61.77, up 14% year; issued $100 million of subordinated debt, tangible common equity ratio 8.5%.
- +12 more takeaways
SouthState Bank Corporation Q4 2025 Earnings Call - Integration Pays Off: EPS +30% and Double-Digit TBV Growth
SouthState closed 2025 with the Independent Financial integration squarely in the rearview, and the financials show it. Excluding merger costs, 2025 EPS rose over 30%, tangible book value per share gr...
- Management says the Independent Financial integration completed cleanly and is now a tailwind rather than an overhang, citing successful regulatory approvals and systems conversions.
- Excluding merger costs, 2025 EPS rose over 30%; Q4 EPS was $2.47 and full-year EPS was $9.50.
- Pre-provision, pre-tax income (PP&R) for Q4 was $323 million; full-year PP&R was $1.27 billion.
- +17 more takeaways