Old Second Bancorp (OSBC) Q1 2025 Earnings Call April 24, 2025 10:00 AM ET Company Participants James Eccher - President, CEO & Chairman of the BoardBradley Adams - EVP, COO & CFOChristopher Mcgratty - MD & Head of U.S. Bank ResearchTerry Mcevoy - Managing DirectorDavid Long - Managing DirectorBrian Martin - Director - Banks & Thrifts Conference Call Participants Nathan Race - Managing Director & Senior Research AnalystJeffrey Rulis - MD & Senior Research Analyst Operator Good morning, everyone, and thank y ...

Popular (BPOP) Q1 2025 Earnings Call April 23, 2025 11:00 AM ET Company Participants Paul Cardillo - Senior VP & Investor Relations OfficerIgnacio Alvarez - CEOJavier D. Ferrer - President & COOJorge Garcia - Executive VP & CFOLidio Soriano - Executive VP & Chief Risk Officer of Corporate Risk Management GroupFrank Schiraldi - Managing DirectorBen Gerlinger - Vice President of Equity ResearchGerard Cassidy - Managing DirectorTimur Braziler - Director - Mid-Cap Bank Equity ResearchJared Shaw - Managing Direc ...

Southern Missouri Bancorp (SMBC) Q3 2025 Earnings Call April 20, 2025 06:00 PM ET Speaker0 Hello, everyone, and thank you for joining the Southern Missouri Bancorp Earnings Conference Call. My name is Sammy, and I'll be coordinating your call today. I will now hand over to your host, Stefan CFO, to begin. Please go ahead. Speaker1 Thank you, Sammy. Good morning, everyone. This is Stefan Chkotovic, CFO with Southern Missouri Bancorp. Thank you for joining us. The purpose of this call is to review the informa ...

Financial Data and Key Metrics Changes - The headline earnings number reflects the challenges in the transportation market, but almost every metric reported improved in the transportation businesses, particularly in the Payments segment [5][6] - Revenue from transportation businesses is currently at $206 million, which needs to increase materially by the end of the year to sustain current investment levels [29] Business Line Data and Key Metrics Changes - The Payments segment showed significant improvement in key performance indicators (KPIs), indicating potential for revenue growth from existing customers [14][17] - The factoring segment generated $144 million in revenue during a low quarter, with expectations to at least double this revenue as more clients are onboarded [40] Market Data and Key Metrics Changes - The company is experiencing headwinds in the transportation market, but there are opportunities arising from large trucking companies returning to the factoring market due to financial pressures [16] - The uncertainty around tariffs is seen as a potential opportunity for growth in the factoring business [16] Company Strategy and Development Direction - The company aims to grow revenue profitably despite market conditions, emphasizing the importance of investments made to create durable value [6][7] - There is a strategic focus on monetizing the Payments segment and upgrading legacy contracts to capture additional revenue [58][60] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in improving credit quality and expects that credit will not be a significant concern in the latter half of the year [75] - The company is prepared for potential economic challenges, including tariffs and a deeper recession, but believes it has less exposure to the most affected sectors [70][72] Other Important Information - The integration of Green Screens is anticipated to provide significant financial benefits, although specific details are not yet available [44][47] - The company is prioritizing the delivery of its intelligence products, which are expected to meet a significant market demand [46][49] Q&A Session Summary Question: Revenue outlook and growth opportunities - Management discussed potential revenue growth from Load Pay and Green Screens, emphasizing the importance of existing customer relationships and the need to grow revenue throughout the year [12][17] Question: Conforming invoice volume and fee growth - Management clarified that fee growth in the Payments segment can occur independently of conforming invoice volume, indicating successful monetization strategies [20][22] Question: Revenue split between first and second half of the year - Management indicated that the bulk of revenue growth is expected to come from payments and factoring, with a significant increase needed by year-end [29][30] Question: Financial opportunity from next-gen audit migration - Management stated that the migration to next-gen audit is still in early stages, with significant opportunities expected to be captured over the next year [33] Question: Credit metrics and economic uncertainty - Management expressed optimism about credit quality improvements, citing past efforts and a thorough understanding of the loan portfolio [68][75]

Great Southern Bancorp, Inc. (GSBC) Q1 2025 Earnings Conference Call April 17, 2025 03:00 PM ET Company Participants Call Operator - Conference Call ModeratorJeff Trika - Investor RelationsJoe Turner - President and CEORex Copeland - Chief Financial Officer Conference Call Participants Andrew Leach - Analyst, Piper Sandler CompaniesDamon Del Monte - Analyst, KBW Call Operator I would now like to hand the conference over to your speaker today, Jeff Trika, Investor Relations. Please go ahead. Jeff Trika Thank ...

Ally Financial Inc. (ALLY) Q1 2025 Earnings Conference Call April 17, 2025 07:30 AM ET Company Participants Operator - Conference Call Host/OperatorSean Leary - Head of Investor RelationsMichael Rhodes - CEORuss Hutchinson - CFOOperator - Q&A Facilitator Conference Call Participants Sanjay Sakrani - Analyst, KBWJeff Adelson - Analyst, Morgan StanleyRobert Wildhack - Analyst, Autonomous ResearchMoshe Orenburg - Analyst, TD CowanJohn Arfstrom - Analyst, RBC Capital Markets Operator Good day and thank you for ...

Fulton Financial Corporation (FULT) Q1 2025 Earnings Conference Call April 16, 2025 10:00 AM ET Company Participants Operator - Conference Call OperatorMatt Joswak - Director of Investor RelationsKurt Myers - Chairman and Chief Executive OfficerRick Kramer - Chief Financial OfficerModerator - Conference Call ModeratorAngela - KBW Representative (asking on behalf of Chris McGrady) Conference Call Participants Frank Chiraldi - Piper Sandler AnalystDaniel Tamayo - Raymond James AnalystManuel Navas - DA Davidso ...

Essent Group (ESNT) Q4 2024 Earnings Call February 14, 2025 10:00 AM ET Company Participants Philip Stefano - Vice President, Investor RelationsMark Casale - Chairman and CEODavid Weinstock - Senior Vice President, Chief Financial OfficerBose George - Managing DirectorGeoffrey Dunn - PartnerEric Hagen - Managing Director Conference Call Participants Terry Ma - Senior Equity Research AnalystRichard Shane - AnalystDouglas Harter - Equity Research Analyst Operator Thank you for standing by. At this time, I wou ...

Blue Foundry Bancorp (BLFY) Q4 2024 Earnings Call January 29, 2025 11:00 AM ET Company Participants James Nesci - CEO & PresidentKelly Pecoraro - Executive VP & CFOChristopher O'Connell - Director - Equity Research Conference Call Participants Justin Crowley - Research Analyst Operator Good morning, and welcome to Blue Foundry Bancorp's 4th Quarter 2024 Earnings Call. Comments made during today's call may include forward looking statements, which are based on management's current expectations and are subjec ...