Earnings Call Transcripts
Access detailed transcripts and key takeaways from company earnings calls
All Earnings Calls
Amalgamated Financial Corporation Fourth Quarter 2025 Earnings Call - Record Deposit Haul and a Growth-First 2026 Plan
Amalgamated closed 2025 with momentum: a record quarter of deposit gathering, modest margin expansion, strong loan growth and a public vow to scale toward a $10 billion franchise. Management reported ...
- Record deposit gathering: nearly $1.0 billion in new deposits this quarter, with on-balance sheet deposits up $179 million to $7.9 billion and off-balance sheet up $789 million to $1.1 billion.
- Political deposits jumped $287 million to $1.7 billion, continuing a multi-cycle growth trend that typically peaks about a month before elections.
- Core earnings per diluted share $0.99; core net income $30.0 million. GAAP net income $26.6 million, or $0.88 per diluted share.
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Southern Missouri Bancorp Q2 2026 Earnings Call - Earnings Rebound as Credit Recoveries and Deposit Repricing Support Margin
Southern Missouri Bancorp reported a tidy come‑back in Q2, earning $1.62 per diluted share, up 17% sequentially and 25% year over year. The improvement was driven by a sharply lower provision for cred...
- EPS of $1.62 in Q2, up $0.24 (17.4%) sequentially and $0.32 (24.6%) year over year.
- Provision for credit losses fell to about $1.7 million, down $2.8 million versus the September quarter, driven by recoveries on a specialty CRE relationship.
- Net interest margin reported 3.57% q/q flat; adjusted NIM excluding interest reversals was 3.63%, a 6 bp q/q improvement.
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CVB Financial Corporation Fourth Quarter 2025 Earnings Call - NII Lift and Loan Originations Surge as Heritage Deal Nears
CVB reported a clean quarter: $55 million in net earnings, $0.40 EPS, and a 14.4% return on average tangible common equity. The quarter’s upside was driven by higher net interest income from loan grow...
- Net earnings of $55 million, $0.40 per share, marking 195 consecutive quarters of profitability and 145 consecutive quarters of paying a cash dividend.
- Net interest income rose to $122.7 million in Q4, up 6% sequentially and 11% year over year, driven by loan yield and earning asset growth.
- Loan originations jumped about 70% in 2025 versus 2024, with Q4 production ~15% higher than Q3; management says pipelines remain strong entering 2026.
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Freeport-McMoRan Fourth Quarter 2025 Earnings Call - Grasberg restart on track, leach program poised to unlock low‑cost U.S. growth
Freeport reported resilient fourth quarter and full-year 2025 results, despite a roughly 10% volume hit from the September mudflow at Grasberg. Management says cleanup and isolation work have material...
- Grasberg block cave recovery remains on schedule, management targeting startups of Production Blocks 2 and 3 in Q2 2026, with PB2/PB3 mud removal substantially complete.
- Company expects about 85% of Grasberg district production restored in the second half of 2026, with PB1S targeted for mid‑2027 and PB1C timing unresolved and under evaluation.
- Protective cement plugs to isolate PB1C are advanced and expected to be completed in Q1 2026, enabling infrastructure repairs and the phased restart.
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Eagle Bancorp, Inc. Q4 2025 Earnings Call - Balance-sheet remediation drives a return to profit and sharply lower CRE concentration
Eagle Bancorp closed 2025 with a clear pivot from remediation to execution. After a year of deliberate balance-sheet action the bank posted net income of $7.6 million, reversed a prior-quarter $67.5 m...
- Eagle Bancorp returned to profitability in Q4 2025, reporting net income of $7.6 million, or $0.25 per diluted share, versus a $67.5 million loss in Q3 2025.
- Q4 results reflected deliberate remediation. Management recognized $14.7 million of incremental expenses tied to held-for-sale loan dispositions and mark-to-market adjustments, including $8.4 million of valuation adjustments.
- Loans held for sale ended the year at $90.7 million, down $45.9 million from the prior quarter; $77.9 million of loans were sold in Q4 with a $1.1 million loss recognized.
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Equity Bancshares Q4 2025 Earnings Call - Nearly 50% Asset Surge After Frontier Merger, Pushing for >$5 EPS in 2026
Equity Bancshares closed a transformative 2025, expanding assets roughly 50% through organic activity and the Frontier deal, and is publicly targeting better-than-$5 per share in 2026. Q4 results show...
- Balance sheet scale jumped sharply: company assets grew from $5.3 billion to $6.4 billion in 2025, with the Frontier merger (closed Jan 1) adding roughly $1.3–1.4 billion, representing nearly 50% year growth.
- Management set an aggressive 2026 target, saying the combined franchise is positioned to earn more than $5.00 per share, contingent on integration and execution.
- Q4 adjusted net income was reported at $23.3 million (adjustments included $1.5 million merger expense, $1.0 million litigation settlement accrual, and a $0.9 million non-accrual benefit).
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OFG Bancorp Fourth Quarter 2025 Earnings Call - Digital-first deposit gains and buybacks cushion margin pressure
OFG reported a quarter and full-year in line with a bank that is digitizing itself into growth. Q4 EPS rose 17% year over year, helped by disciplined operations and discrete tax benefits, while full-y...
- Q4 diluted EPS jumped 17% year over year, driven by disciplined core operations and a favorable tax benefit; full-year EPS rose 8.3% on 2.8% core revenue growth.
- Total assets reached a record $12.5 billion for 2025; loans grew 5.3% to $8.2 billion and core deposits grew 5% to $9.9 billion.
- Commercial loans expanded to $3.5 billion and now represent 43% of the loan book; management expects commercial loan growth of roughly 5% to 6% in 2026.
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Old Second Bancorp Q4 2025 Earnings Call - 5% NIM Drives Strong Returns Despite Rising Power Sports Charge-Offs
Old Second closed 2025 with a headline-making margin and returns, even as acquisition noise and a bump in power sports losses grabbed attention. GAAP net income was $28.8 million, adjusted to $30.8 mi...
- GAAP net income for Q4 2025 was $28.8 million, or $0.54 per diluted share, and adjusted net income excluding acquisition and MSR items was $30.8 million, or $0.58 per diluted share.
- Tax-equivalent net interest margin was an exceptional 5.09% for Q4, up 4 basis points sequentially and 41 basis points year-over-year on a tax-equivalent basis.
- Return metrics were strong: ROA 1.64% and return on average tangible common equity 16.15% for the quarter.
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Texas Capital Bancshares Q4 2025 Earnings Call - Transformation Validated, ROAA Sustained, Shift to Scale and Fee-led Growth
Texas Capital framed 2025 as the endpoint of a multi-year transformation and a start line for scale. Management delivered record revenue and earnings, with Q4 adjusted ROAA of 1.2% and full-year adjus...
- Management says 2025 completed the firm’s multi-year transformation, delivering the largest organic profitability improvement among commercial banks over $20 billion in assets in two decades.
- Q4 adjusted ROAA was 1.2%, with full-year adjusted ROAA of 1.04%, a 30 basis point improvement versus 2024, and second-half 2025 adjusted ROAA of ~1.25%.
- Record full-year adjusted total revenue of about $1.26 billion, driven by 14% net interest income growth to $1.03 billion and 9% growth in adjusted fee revenue to $229 million.
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Huntington Bancshares Fourth Quarter 2025 Earnings Call - Partnership-Driven Growth and Accelerating Operating Leverage Ahead of Cadence Close
Huntington closed 2025 with momentum, reporting double-digit revenue and EPS growth while rolling two large partnerships into an already hot organic growth story. Management stressed that Veritex is f...
- 2025 results strong: 11% revenue growth, 16% adjusted EPS growth, and 290 bps of positive adjusted operating leverage.
- Veritex is fully integrated after a 187-day conversion, with cost synergies already flowing and expected to be fully in run-rate by Q2 2026.
- Cadence close expected Feb 1, 2026, will add roughly $1.1 billion to Huntington's expense base (11 months), with ~75% of Cadence cost synergies expected to accrue in 2026 and full run-rate by Q4.
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