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TIM (NYSE:TIMB) Q3 2025 Earnings Call November 04, 2025 08:00 AM ET Company ParticipantsVicente Ferreira - Investor Relations OfficerAndrea Viegas - CFOAlberto Griselli - CEOConference Call ParticipantsLeonardo Olmos - AnalystVitor Tomita - AnalystBernardo Guttman - AnalystMaria Clara Infantozzi - AnalystDavid Lopez - AnalystNone - AnalystMarcelo Santos - AnalystOperatorGood morning, ladies and gentlemen, and welcome to TIM S.A. 2025 Q3 Results Video Conference Call. We would like to inform you that this ev ...

TIM (NYSE:TIMB) Q3 2025 Earnings Call November 04, 2025 08:00 AM ET Company ParticipantsVicente Ferreira - Investor Relations OfficerAndrea Viegas - CFOAlberto Griselli - CEOConference Call ParticipantsLeonardo Olmos - AnalystVitor Tomita - AnalystBernardo Guttman - AnalystMaria Clara Infantozzi - AnalystDavid Lopez - AnalystNone - AnalystMarcelo Santos - AnalystOperatorGood morning, ladies and gentlemen, and welcome to TIM S.A. 2025 Q3 Results Video Conference Call. We would like to inform you that this ev ...

TIM (NYSE:TIMB) Q3 2025 Earnings Call November 04, 2025 08:00 AM ET Speaker0Good morning, ladies and gentlemen, and welcome to TIM S.A. 2025 Q3 Results Video Conference Call. We would like to inform you that this event is being recorded, and all participants will be in listen-only mode during the company's presentation. There will be a replay for this call on the company's website. After TIM S.A. remarks are completed, there will be a Q&A session for participants. At that time, further instructions will be ...

Classificado como Uso Interno 1 TIM S.A. – Investor Relations Results Presentation DISCLAIMER This presentation contains declarations that constitute forward -looking statements regarding the intent, belief or current expectations of value creation, customer base dynamics, estimates regarding future financial results and other aspects of the activities. Analysts and investors are cautioned not to place undue reliance on those forward -looking statements , which speak only as of the date of this presentation ...

Core Insights - First Financial Bankshares has appointed Tim Brown as Executive Vice President and Chief Information Officer, and CEO of First Technology Services, Inc. as part of its succession planning [1] - John Ruzicka, the former CIO, will transition to Chief Banking Operations Officer, focusing on enhancing the bank's backroom operations [1][3] Leadership Changes - Tim Brown brings over 35 years of technology innovation and operations experience, having previously worked at USAA and Johnson Financial Group, which positions him well for the bank's growth into a mid-size regional bank [2] - John Ruzicka has been with the company since 2018 and has significantly improved the bank's tech infrastructure and digital modernization [2][3] Company Overview - First Financial Bank is a wholly owned subsidiary of First Financial Bankshares, Inc., operating multiple banking regions with 79 locations across Texas [3]

Core Insights - Three stocks are highlighted with a buy rank and strong income characteristics for investors to consider on October 16th Group 1: TIM (TIMB) - The company offers mobile cellular service throughout Brazil and has seen a 3.6% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - It holds a Zacks Rank 1 (Strong Buy) and has a dividend yield of 4.4%, which is higher than the industry average of 2.6% [1] Group 2: Banco Bilbao Viscaya Argentaria (BBVA) - Engaged in a variety of banking and financial activities in Spain, BBVA has experienced a 1.5% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - The company also holds a Zacks Rank 1 (Strong Buy) with a dividend yield of 4.1%, surpassing the industry average of 3.1% [2] Group 3: California Resources (CRC) - This oil and natural gas exploration and production company, primarily operating in California, has seen a 5.5% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3] - CRC has a Zacks Rank 1 (Strong Buy) and offers a dividend yield of 3.2%, compared to an industry average of 0.0% [3]

Group 1 - TIM S.A. has reported strong results for 1H25, confirming its position as a leading player in the Brazilian telecom sector [1] - The market has been pricing in TIM's solid performance, indicating investor confidence in the company's growth trajectory [1] Group 2 - The analysis highlights the importance of identifying undercovered stocks in Brazil and Latin America, suggesting potential investment opportunities in these markets [2] - The focus on less prominent stocks may yield significant returns, as they often do not attract immediate attention from investors [2]

Group 1 - Investors in TIM S.A. (TIMB) should monitor the stock due to significant movements in the options market, particularly the Nov. 21, 2025 $15 Put, which has high implied volatility [1] - Implied volatility indicates the market's expectation of future price movement, suggesting that investors anticipate a significant change in TIM shares, possibly due to an upcoming event [2] - TIM currently holds a Zacks Rank 3 (Hold) in the Wireless Non-US industry, which is in the bottom 33% of the Zacks Industry Rank, with no analysts increasing earnings estimates for the current quarter [3] Group 2 - The high implied volatility for TIM could indicate a developing trading opportunity, as options traders often seek to sell premium on such options to capture decay [4]

Company Overview - TIM S.A. Sponsored ADR (TIMB) is based in Rio De Janeiro and operates in the Computer and Technology sector, with a year-to-date share price change of 82.74% [3] - The company currently pays a dividend of $0.09 per share, resulting in a dividend yield of 4.03%, which is significantly higher than the Wireless Non-US industry's yield of 2.6% and the S&P 500's yield of 1.5% [3] Dividend Performance - TIMB's current annualized dividend of $0.87 represents a 56.5% increase from the previous year [4] - Over the past five years, TIMB has increased its dividend three times on a year-over-year basis, averaging an annual increase of 9.26% [4] - The company's current payout ratio is 60%, indicating that it pays out 60% of its trailing 12-month earnings per share as dividends [4] Earnings Growth - The Zacks Consensus Estimate for TIMB's earnings in 2025 is $1.38 per share, with an expected increase of 14.05% from the previous year [5] - The company is positioned as a strong dividend play, appealing to income investors due to its solid earnings growth prospects [6] Investment Considerations - High-yielding stocks, like TIMB, may face challenges during periods of rising interest rates, but the company remains a compelling investment opportunity [6] - TIMB holds a Zacks Rank of 3 (Hold), indicating a stable investment outlook [6]