Earnings Call Transcripts
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All Earnings Calls
ArcBest Fourth Quarter 2025 Earnings Call - AI and Managed Solutions Cushion a Weaker Freight Market
ArcBest reported a mixed Q4 where revenue and profitability came under clear pressure from a prolonged freight recession and adverse mix, but operational initiatives and AI-driven tools kept the compa...
- Consolidated Q4 revenue was $973 million, down 3% year-over-year.
- Non-GAAP operating income from continuing operations fell to $14 million in Q4, down from $41 million a year earlier.
- Adjusted non-GAAP EPS was $0.36 in Q4, versus $1.33 in Q4 2024.
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Gentex Corporation Q4 2025 Earnings Call - Vox lifts scale and margins, tariffs still bite
Gentex closed 2025 with a louder footprint and cleaner margins, but the story is two-sided. Consolidated Q4 revenue jumped 19% to $644.4 million largely because of the April Vox acquisition, which con...
- Consolidated Q4 2025 net sales were $644.4 million, up 19% from $541.6 million in Q4 2024.
- The Vox acquisition meaningfully moved the needle: Vox contributed $103.4 million in Q4 and $267.2 million from April through December.
- Core Gentex revenue in Q4 was $541 million and was essentially flat year-over-year; core sales for full-year 2025 were $2.27 billion, down 2% versus 2024.
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John B. Sanfilippo and Son Q2 Fiscal 2026 Earnings Call - Price-Driven Revenue Lift Masks 9.7% Volume Decline as Bar Capacity Ramps
John B. Sanfilippo reported a quarter where pricing, not pounds, did the heavy lifting. Net sales rose 4.6% to $314.8 million and diluted EPS jumped about 32% to $1.53, driven by a 15.8% increase in w...
- Net sales increased 4.6% year-over-year to $314.8 million in Q2 fiscal 2026, driven primarily by higher selling prices rather than volume growth.
- Weighted average sales price per pound rose 15.8% year-over-year, while total sales volume declined 9.7% versus the prior year quarter.
- Diluted EPS grew approximately 32% to $1.53 for the quarter, with net income of $18.0 million compared to $13.6 million a year ago.
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The Hartford Insurance Group Q4 2025 Earnings Call - AI-Driven Platforms and Disciplined Underwriting Deliver 19.4% Core ROE, Bigger Buybacks
The Hartford closed 2025 with a strong, profit-first story. Full-year Core Earnings were $3.8 billion with a Core Earnings ROE of 19.4%, driven by broad-based P&C strength, a resurgent personal li...
- Full-year Core Earnings of $3.8 billion, with Core Earnings ROE of 19.4% for 2025.
- Q4 Core Earnings were $1.1 billion, or $4.06 per diluted share.
- Business Insurance delivered strong growth: management cited ~8% written premium growth enterprise-wide; CFO reported 7% written premium growth for BI in 2025.
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Olin Corporation Q4 2025 Earnings Call - Operational disruptions and rising energy costs drove a miss, but cash flow and Beyond250 cuts buy time
Olin reported a Q4 miss after an extended Freeport turnaround, third-party feedstock constraints and a sharp December drop in chlorine pipeline offtake. Management says these were the dominant drivers...
- Q4 2025 missed expectations driven by an extended Freeport, Texas chlorinated organics turnaround, third-party raw material supply constraints and a late-December collapse in chlorine pipeline demand.
- Management attributes the December chlorine pullback primarily to customer destocking, exacerbating an already seasonally weak quarter; they do not expect a similar December-style drop in Q1 but do not see recovery until warmer months.
- Olin preserved ECU values through a disciplined, value-first commercial approach rather than chasing volume down the cycle.
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Brookfield Renewable Partners Q4 2025 Earnings Call - Positioned for an energy addition era, scaling solar, hydro, nuclear and batteries
Brookfield Renewable reported a strong 2025: FFO per unit of $2.01, record commissioning of over 8 GW, and aggressive capital activity that included the Neoen acquisition and a landmark Westinghouse-U...
- 2025 FFO per unit was $2.01, up 10% year-over-year, with full-year FFO of $1,334 million and Q4 FFO of $346 million ($0.51/unit, +14% YoY).
- Brookfield deployed or committed a record $8.9 billion gross, or $1.9 billion net to BEP, including the privatization of Neoen, the Geronimo carve-out, and increased investment in Isagen.
- Management says the market has shifted from energy transition to energy addition as electrification, industrial activity, and AI drive multi-decade demand growth requiring substantial net new generation.
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Federated Hermes Q4 2025 Earnings Call - Record AUM Fueled by Money Market Surge and MDT Equity Sales
Federated Hermes closed 2025 with record assets under management, roughly $903 billion at year-end and about $909 billion a few days later, driven overwhelmingly by a money market avalanche and a brea...
- Federated Hermes reported record year-end AUM of $903 billion, and managed assets of about $909 billion a few days later.
- Money market assets were the engine, reaching approximately $683 billion, with money market mutual fund assets at about $508 billion and separate accounts up $14 billion in Q4.
- MDT strategies were a breakout, with 2025 gross sales of $19.1 billion and net sales of $13 billion, and Q4 MDT gross sales of $4 billion and net sales of over $2 billion.
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CN Q4 2025 Earnings Call - Productivity and buybacks try to outrun tariff shock, volumes set to be flat in 2026
CN closed 2025 on a disciplined note, squeezing productivity gains and cash generation while warning that macro and trade uncertainty cap near-term upside. Q4 delivered a best-of-year adjusted operati...
- Q4 adjusted EPS rose about 14% year-over-year, while full-year adjusted diluted EPS was $7.63, up 7% versus 2024.
- Q4 adjusted operating ratio was 60.1%, the best quarterly OR in 2025, and full-year adjusted OR improved to 61.7%, a 120 basis point improvement versus 2024.
- Free cash flow for 2025 was $3.3 billion, up 8% year-over-year, driven by cash from operations and tighter capital discipline.
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Ameris Bancorp Fourth Quarter 2025 Earnings Call - Record 2025 Earnings, Capital Returns and Strong Loan Production Despite Elevated CRE Payoffs
Ameris closed 2025 with a clean scoreboard: record net income of $412.2 million and diluted EPS of $6.00, margin expansion and efficiency gains, and an aggressive capital return program that included ...
- Ameris reported record 2025 net income of $412.2 million and diluted EPS of $6.00, a 15% year-over-year EPS increase.
- Q4 net income was $108.4 million, EPS $1.59; Q4 ROA 1.57%, PPNR ROA 2.38%, return on tangible common equity 14.5%.
- Net interest income grew $87.7 million year-over-year (10.3%); Q4 net interest margin expanded to 3.85%, full-year NIM 3.79% from 3.56% in 2024.
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Hilltop Holdings Q4 2025 Earnings Call - Margin Expansion and Buybacks, but Auto-Loan Charge-Offs Highlight Credit Volatility
Hilltop closed 2025 with stronger margins, healthier NII, and an aggressive return-of-capital program, yet the quarter carried a clear reminder that credit can surprise. Full-year net income rose to $...
- Full-year 2025 net income attributable to common stockholders was $165.6 million, or $2.64 per diluted share, a 46% increase versus the prior year; Q4 net income was $41.6 million, $0.69 per diluted share.
- Net interest income grew 7% year-over-year, with Q4 NII of $112.5 million, which included $1.0 million of purchase accounting accretion.
- Net interest margin expanded versus prior year, with PlainsCapital Bank NIM reported at 329 basis points and consolidated NIM up about 30 basis points to 302 basis points year-over-year.
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