World Acceptance (WRLD) Q4 2025 Earnings Call April 29, 2025 10:00 AM ET Company Participants Chad Prashad - President & Chief Executive OfficerKyle Joseph - Managing DirectorJohn Rowan - Managing DirectorJohn Calmes - Executive VP, Chief Financial & Strategy Officer and Treasurer Operator Good morning, and welcome to World Acceptance Corporation's Fourth Quarter twenty twenty five Earnings Conference Call. This call is being recorded. The comments made during this conference call may contain certain forwar ...

World Acceptance (WRLD) Q4 2025 Earnings Call April 29, 2025 10:00 AM ET Company Participants Chad Prashad - President & Chief Executive OfficerKyle Joseph - Managing DirectorJohn Rowan - Managing DirectorJohn Calmes - Executive VP, Chief Financial & Strategy Officer and Treasurer Operator Good morning, and welcome to World Acceptance Corporation's Fourth Quarter twenty twenty five Earnings Conference Call. This call is being recorded. The comments made during this conference call may contain certain forwar ...

Financial Data and Key Metrics Changes - Seacoast reported net income of $31.5 million or $0.37 per share in Q1 2025, with pretax pre-provision income increasing by $2.7 million to $50.6 million [9] - The net interest margin increased by nine basis points to 3.48%, while the cost of deposits declined by 15 basis points to 1.93% [5][10] - Adjusted pre-tax pre-provision earnings grew by 22% compared to the same quarter one year ago, and tangible book value per share increased by 10% year over year [5][10] Business Line Data and Key Metrics Changes - Loan production showed strong growth at an annualized rate of 6%, with total loans outstanding increasing at an annualized rate of 5.6% [5][15] - Noninterest income, excluding securities activity, was $22 million, reflecting an 8% increase from Q1 2024, driven by a 20% increase in wealth management revenue and a 25% increase in insurance agency income year over year [13] - Noninterest expense for the first quarter was $90.6 million, including $1.1 million in merger-related expenses [15] Market Data and Key Metrics Changes - Total deposits increased to $12.6 billion, growing at an 11% annualized rate, with noninterest-bearing accounts growing at 17% annualized [20] - The average yield on securities increased to 3.88%, benefiting from new purchases [19] Company Strategy and Development Direction - The company is focused on disciplined growth and has invested in talent to drive new relationships, with 10 new revenue-producing bankers onboarded during the quarter [6][11] - Seacoast is on track to close the acquisition of Heartland Bancshares in Q3 2025, which is expected to enhance its market position [8][11] Management's Comments on Operating Environment and Future Outlook - Management acknowledged emerging risks in the macroeconomic environment but emphasized the strength of the company's balance sheet and its position to navigate volatility [4] - The company expects mid to high single-digit loan growth for the remainder of 2025, contingent on economic stability [36][60] Other Important Information - The allowance for credit losses totaled $140.3 million, representing 1.34% of total loans, remaining flat from the prior quarter [18] - The company continues to monitor the potential impact of economic and fiscal policy decisions on borrowers [18][83] Q&A Session Summary Question: Clarification on securities trade related to Heartland deal - Management confirmed that the securities trade was a strategic move to pre-purchase securities they intend to retain post-transaction [29] Question: Thoughts on core loan yields and NIM - Management explained that the increase in core loan yields was due to a mix of fixed and adjustable loans, and they expect continued NIM expansion [32][34] Question: Loan growth outlook and capital deployment strategy - Management expressed confidence in achieving high single-digit loan growth and indicated readiness for future M&A opportunities while remaining disciplined [36][49] Question: Credit quality and sectors of concern - Management noted that they are closely monitoring C&I businesses for potential tariff impacts but have not seen significant issues yet [81][82] Question: Impact of residential market conditions in Florida - Management reported no significant weakness in the residential market, although they noted that values have likely peaked [92]

Castle Biosciences (CSTL) Q4 2024 Earnings Call February 27, 2025 04:30 PM ET Company Participants Camilla Zuckero - Vice President of Investor Relations & Corporate AffairsDerek Maetzold - Founder, President & CEOFrank Stokes - CFOSubbu Nambi - Managing DirectorPaul Knight - Managing DirectorTom Peterson - Senior Research AssociateVidyun Bais - Equity Research - Vice President Conference Call Participants Sung Ji Nam - Managing Director, Senior Equity Research AnalystThomas Flaten - Senior Research Analyst ...

Sanuwave Health (SNWV) Q4 2023 Earnings Call March 22, 2024 08:30 AM ET Speaker0 note today's call will be recorded and I will be standing by if you should need any assistance. It is now my pleasure to turn the conference over to Morgan Frank, Chairman and CEO of SANUWAVE. Please go ahead. Speaker1 Thanks very much. So welcome everyone to SANUWAVE's fourth quarter and fiscal twenty twenty three earnings call. Our form 10 k was filed with the SEC last night. Our earnings release was issued this morning, and ...