Earnings Call Transcripts
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All Earnings Calls
East West Bancorp Q4 2025 Earnings Call - Record 2025, 33% Dividend Hike and Measured 5%-7% Loan Growth Guidance
East West closed 2025 as a landmark year, posting record revenue, net interest income, fee income, loans, deposits, tangible book value per share (up 17%), and a 17% return on tangible common equity. ...
- East West reported a record year in 2025: revenue, net interest income, fee income, earnings per share, loans, deposits, and tangible book value per share all reached new highs.
- Management delivered a meaningful capital return: board raised the quarterly dividend by $0.20 to $0.80 per share, a 33% increase; payable Feb 17, 2026 (record Feb 2).
- End-of-period deposits and loans each grew 6% year-over-year; average loans grew 4% for 2025, led by C&I and residential mortgage production.
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CSX Corporation Q4 2025 Earnings Call - Targeting 200-300bps Operating Margin Gain in 2026 Through Cost Cuts, Lower CapEx, and Productivity
CSX closed a difficult 2025 with stabilized service and modest volume growth, but quarter-to-quarter profits slipped as the company booked restructuring and technology charges. Management is answering...
- Q4 volume rose 1%, but revenue fell 1% year over year due to mix headwinds and weaker export coal pricing.
- Reported operating income fell 9% and EPS fell 7% versus adjusted prior-year numbers.
- Q4 included roughly $50 million of charges, comprised of $31 million in separation costs and $21 million of technology impairments.
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Intuitive Q4 2025 Earnings Call - da Vinci 5 Momentum Fuels 19% Procedure Growth, 2026 Guidance Tempered
Intuitive closed 2025 with strong top-line momentum, powered by broad adoption of da Vinci 5, rapid single-port expansion, and accelerating Ion usage. Total procedures rose 19% year over year and reve...
- 2025 headline: total procedures grew 19% and revenue rose 21% to $10.1 billion, driven by da Vinci, SP, and Ion platforms.
- da Vinci procedures grew roughly 18% in 2025, multi-port up 17% and single-port up 87% for the year; Ion procedures grew 51% for the year.
- Global placements in 2025 totaled 1,721 da Vinci systems, including 870 da Vinci 5 systems, 107 SP systems, and 195 Ion systems.
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Fulton Financial Fourth Quarter 2025 Earnings Call - Record 2025 EPS, mid-single-digit loan growth expected as strategic runoffs ease
Fulton closed 2025 with a clean, profitable year and clear next-step plans. Operating EPS hit a record $2.16 for the year, NIM expanded to 3.51% (3.59% in Q4), and management points to disciplined exp...
- Record operating EPS of $2.16 for full-year 2025; Q4 operating EPS $0.55 and operating net income available to common of $99.4 million.
- Net interest margin expanded to 3.51% for 2025 and finished Q4 at 3.59%, despite 75 basis points of Fed rate cuts in the Sept–Dec window.
- Management attributes 2025 loan growth headwinds of more than $800 million to strategic portfolio actions and workouts, actions that should moderate in 2026.
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Pathward Financial Q1 FY2026 Earnings Call - Guidance Lifted on Partner-Led Fee Momentum and Balance-Sheet Optimization
Pathward kicked off FY2026 by raising its EPS guide as partner-driven fee income and balance-sheet optimization offset headline pressures from a portfolio sale and modest deposit declines. Q1 delivere...
- Company raised FY2026 EPS guidance to $8.55 to $9.05, assuming no further rate cuts and expected buybacks.
- Q1 net income was $35.2 million and diluted EPS was $1.57, up 17% and 28% year over year respectively.
- Adjusted NIM trended higher after stripping the consumer loan gross-up, with a progression of 5.11% a year ago, 5.31% last quarter, and 5.49% this quarter.
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Old Republic International Fourth Quarter 2025 Earnings Call - Specialty growth masks mid-teens commercial auto loss trends, prompting conservative reserve boosts and accelerated pricing
Old Republic closed 2025 with $1.0 billion of consolidated pre-tax operating income and a full-year combined ratio of 94.7%, driven by record specialty results and improving investment marks. Specialt...
- Consolidated pre-tax operating income was $236 million in Q4 2025 versus $285 million a year ago, and $1.0 billion for the full year 2025.
- Consolidated combined ratio was 96.0% in Q4 and 94.7% for the full year 2025, reflecting some margin pressure late in the year.
- Specialty insurance net premiums earned grew 8.3% in Q4 and 10.9% for full year 2025, surpassing $5 billion in premiums for the first time.
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Great Southern Bancorp Fourth Quarter 2025 Earnings Call - NIM Expansion Offsets Swap Loss as Loans Fall 7%
Great Southern posted a resilient quarter, producing $16.3 million in Q4 net income, $1.45 per diluted share, and $71.0 million for full-year 2025, $6.19 per share. Management navigated a tricky reven...
- Q4 net income was $16.3 million, or $1.45 per diluted share, full-year net income $71.0 million, or $6.19 per diluted share.
- Net interest income for Q4 was $49.2 million, down slightly from prior year, driven mainly by the discontinuation of a swap that had contributed about $2 million per quarter.
- Net interest margin expanded to 3.70% in Q4 2025, up from 3.49% a year ago, helped by lower funding costs and redeployment of payoffs into higher-rate loans.
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Preferred Bank Q4 2025 Earnings Call - Profits stay high, margin squeezed by sticky deposit costs and a ~ $120M classified relationship
Preferred Bank posted healthy results in Q4 2025, delivering $34.8 million of quarterly net income, $2.79 per share, and $434 million for the full year, or $10.41 per share. Management says profitabil...
- Q4 net income was $34.8 million, or $2.79 per diluted share; full-year 2025 net income was $434 million, or $10.41 per share.
- Management claims 2025 profitability is among the banking industry’s top tier, but warns of near-term margin pressure.
- Net interest margin slid into December, with December NIM at 3.66%, reflecting the full effect of the December Fed rate cut.
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Heritage Financial Q4 2025 Earnings Call - Margin Momentum, Deposit Growth and Olympic Deal Set to Lift ROA
Heritage delivered a tidy quarter of margin repair and credit stability, while lining up a transformational acquisition. Adjusted EPS and ROA improved as NIM rose to 3.70% and deposit growth plus inve...
- Adjusted diluted EPS rose 18% quarter over quarter and 29% year over year on an adjusted basis, with adjusted ROA improving to 1.29% from 0.99% a year ago.
- Net interest margin expanded to 3.70% in Q4 from 3.64% in Q3 and 3.36% in Q4 2024, driven by asset repricing and deposit cost declines.
- Total loans rose modestly by $14 million in Q4, loan portfolio growth of 5.54% year over year, with adjustable rate repricing and new loan introductions partly offset by rate cuts.
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S&T Bank Q4 2025 Earnings Call - $100M Buyback Approved Amid NIM Rebound and Controlled Credit Resets
S&T Bank closed 2025 with solid returns, a near-4% net interest margin, and a deliberate posture on growth and capital. Q4 produced $34 million of net income, $0.89 EPS, a 3.99% NIM (up 6 bps sequenti...
- Board approved a $100 million share repurchase authorization; company repurchased ~948k shares in Q4 for $36.2 million at an average price of $38.20.
- Q4 net income was $34 million, or $0.89 per share; full-year 2025 net income was about $135 million, $3.49 per share.
- Net interest margin improved to 3.99% in Q4, up 6 basis points sequentially, driven largely by lower cost of funds and tailwinds from maturing receive-fixed swaps and fixed loan repricing.
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