Earnings Call Transcripts
Access detailed transcripts and key takeaways from company earnings calls
All Earnings Calls
"Intel Corporation" Q4 2025 Earnings Call - Supply squeezes cap short-term upside even as Intel 18A ships and foundry traction accelerates
Intel closed 2025 with clear momentum and a blunt admission. Demand is strong across AI PCs, traditional servers, networking, and custom ASICs, but internal supply shortfalls and memory/component cons...
- Q4 revenue $13.7 billion, at the high end of guidance, marking the fifth consecutive quarter above guide.
- Full-year 2025 revenue $52.9 billion, down slightly year over year, constrained by Intel's and external suppliers' manufacturing limits.
- Q4 non-GAAP gross margin 37.9%, about 140 basis points above guidance; Q4 non-GAAP EPS $0.15 versus guidance $0.08.
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Columbia Banking System Q4 2025 Earnings Call - Pac Premier lifts NIM and fees, but margin gains include one-offs
Columbia closed 2025 with a solid quarter and a clearer Western footprint after the Pacific Premier acquisition. Operating results were up sharply quarter over quarter, driven by the partial run rate ...
- Pac Premier acquisition closed in 2025 and materially affected Q4 results, with the combined company operating for about four months in 2025.
- Q4 operating pre-provision net revenue rose 27% and operating net income rose 19% sequentially, reflecting Pac Premier's partial run rate and balance sheet actions.
- Reported EPS was $0.72 GAAP and $0.82 operating in Q4, up 6% and 15% year over year for the quarter, respectively.
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Business First Bancshares Q4 2025 Earnings Call - Systems investments and deposit-led loan growth lift ROAA, but a single $25.8M CRE hits credit metrics
Business First closed 2025 with clear momentum: after two major core conversions and multiple platform implementations the bank converted investment into improved profitability. Q4 core ROAA accelerat...
- Q4 core ROAA 1.16%, full-year core ROAA 1.06% — management says momentum from 2025 investments is driving improved returns.
- Tangible book value up 17.3% year-over-year; tangible common equity increased ~90 bps and consolidated CET1 rose ~50 bps YoY.
- Bank completed two major core conversions and several platform implementations in 2025, positioning the franchise to scale and optimize in 2026.
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Associated Banc-Corp Fourth Quarter 2025 Earnings Call - Record 2025, accelerating C&I and deposit remix with American National deal
Associated closed 2025 with the strongest financial year in its history, driven by a deliberate remix from low-yield residential mortgages into relationship C&I and deposits. Q4 set records for quarte...
- Earnings: Q4 EPS $0.80, FY2025 EPS $2.77, the strongest year in company history.
- Net interest income: Q4 NII a record $310 million, NII up 15% for the year; Q4 NIM 3.06%.
- C&I-led loan growth: Added >$1.2 billion in relationship C&I in 2025; management targets 9%–10% C&I growth in 2026 (standalone).
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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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