The Bank of Nova Scotia (NYSE:BNS) FY Conference March 24, 2026 11:00 AM ET Company ParticipantsAris Bogdaneris - Group Head of Canadian BankingConference Call ParticipantsGabriel Dechaine - Managing Director and Senior Equity AnalystGabriel DechaineAll right. Welcome back to back. Aris Bogdaneris, Group Head, Canadian Banking, Scotiabank, welcome to the stage again.Aris BogdanerisGreat to be here.Gabriel DechaineBig Habs fan. You reminded me. Another game tonight. Let's start with the ROE, like, that every ...

AGI (NYSE:AGBK) Q4 2025 Earnings call March 23, 2026 05:00 PM ET Company ParticipantsEduardo Rosman - Managing Director and Head of Financials and Fintech Equity ResearchFelipe Gaspar Oliveira - Head of Investor Relations and M&AGustavo Schroden - Equity Research DirectorJorge Kuri - Managing DirectorMarcello Dubeux - CFO, IRO, and PartnerMarcelo Mizrahi - Equity Research Head of Latam Banks and FinancialsMarciano Testa - Founder, Chairman, and CEOPedro Leduc - Equity Research of Brazil FinancialsTito Labar ...

AGI (NYSE:AGBK) Q4 2025 Earnings call March 23, 2026 05:00 PM ET Company ParticipantsEduardo Rosman - Managing Director and Head of Financials and Fintech Equity ResearchFelipe Gaspar Oliveira - Head of Investor Relations and M&AGustavo Schroden - Equity Research DirectorJorge Kuri - Managing DirectorMarcello Dubeux - CFO, IRO, and PartnerMarcelo Mizrahi - Equity Research Head of Latam Banks and FinancialsMarciano Testa - Founder, Chairman, and CEOPedro Leduc - Equity Research of Brazil FinancialsTito Labar ...

AGI (NYSE:AGBK) Q4 2025 Earnings call March 23, 2026 05:00 PM ET Speaker7Good afternoon everyone, and welcome to Agi's fourth quarter and full year 2025 earnings conference call. Today's conference call is being recorded. At this time, I would like to turn the call over to Felipe Gaspar Oliveira, Head of Investor Relations. Please go ahead.Speaker1Thank you, and good afternoon. With me today are Marciano Testa, our Founder, Chairman, and CEO, and Marcelo Dubet, Chief Financial Officer. Throughout this confe ...

Earnings Call 4Q25 1 Disclaimer This presentation speaks at the date hereof and AGI Inc (the "Company") is under no obligation to update or keep current the information contained in this presentation. Any information expressed herein is subject to change without notice. Any market or other third-party data included in this presentation has been obtained by the Company from third-party sources. While the Company has compiled and extracted the market data, it can provide no assurances of the accuracy and comp ...

KB Home (NYSE:KBH) is one of the stocks in the recent Mad Money recap of everything Jim Cramer said about his upcoming game plan. Cramer discussed the stock in light of the current housing market conditions, as he stated: Tuesday, we hear from the beleaguered housing sector when KB Home, that’s a national builder, started in California, was kind of a regional, will tell us what I expect to be a tale of lukewarm sales because mortgage rates are just too high. This prelude to the spring selling season will ...

KB Financial Group Inc. (NYSE:KB) is one of the best Korean stocks to buy. On March 6, KB Financial Group Inc. (NYSE:KB) filed audit reports for its wholly-owned subsidiary, Kookmin Bank. The reports cover FY2025 and are prepared under K-IFRS and submitted to the US Securities and Exchange Commission, or the SEC. KB Financial Group (KB) Showcases Robust FY2025 Performance Backed by Clean Audit Opinion KB Financial said in the filing that the reports were audited by Samil PricewaterhouseCoopers. The firm ...

Yiren Digital Reports Fourth Quarter and Fiscal Year 2025 Financial Results Accessibility StatementSkip Navigation BEIJING, March 19, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, today announced its unaudited financial results for the fourth quarter and 2025 fiscal year ended December 31, 2025. Fourth Quarter and Fiscal ...

Arthur J. Gallagher (NYSE:AJG) 2026 Investor Day March 17, 2026 04:00 PM ET Company ParticipantsDavid Motemaden - Senior Managing DirectorDouglas Howell - CFOElyse Greenspan - Managing DirectorJ. Patrick Gallagher, Jr. - Chairman and CEOKatie Sakys - Senior Equity Research AssociateMichael Pesch - CEO of Global Brokerage - AmericasPatrick Gallagher - EVP and COORobert Cox - Vice President of Equity ResearchSara Walsh - Head of Investor Relations, Treasurer, and Head of Corporate FinanceScott Hudson - Presid ...

Core Insights - WaFd, Inc. (WAFD) shares have declined 7.8% over the past three months, underperforming the industry decline of 9.9% and the S&P 500 Index drop of 2% [1][2] - The decline in investor interest is attributed to heightened geopolitical tensions, particularly in the Middle East, leading to a risk-off environment [3] - Despite the recent share price drop, there are potential buying opportunities based on the company's fundamentals [3] Performance Overview - WaFd's loan portfolio has shown a compound annual growth rate (CAGR) of 7.6% from 2022 to 2025, although recent strategic exits from single-family mortgage lending have led to a decline in loan balances [4] - The company's revenues have also experienced a CAGR of 3.2% over the last three fiscal years [4] - WaFd's net interest margin (NIM) expanded by 31 basis points to 2.70% in Q1 of fiscal 2026, rebounding from previous contractions due to elevated funding costs [5] - A lower interest rate environment and a focus on increasing non-interest-bearing deposits are expected to support further NIM expansion [6] Revenue Streams - WaFd is actively expanding its fee-based operations, with non-interest income growing at a CAGR of 2.4% and a 29% increase to $20.3 million in Q1 of fiscal 2026 [9] - The company has a stable liquidity position with total borrowings of $2.44 billion and cash and cash equivalents of $734.9 million as of December 31, 2025 [10] - WaFd has consistently rewarded shareholders with dividends, maintaining a payout ratio of 38% and a dividend yield of 3.49% [11] Challenges - Operating expenses have seen a CAGR of 6% from 2022 to 2025, driven by higher compensation and technology costs, which may continue to pressure profitability [14] - The company's net charge-offs rose sharply to $11.8 million in fiscal 2025 from $1.4 million the previous year, indicating deteriorating asset quality [15] - WaFd's significant reliance on commercial loans, which accounted for 57.6% of total net loans as of December 31, 2025, adds to its risk exposure [18] Valuation and Outlook - The Zacks Consensus Estimate for fiscal 2026 and fiscal 2027 earnings indicates growth of 13.6% and 4.1%, respectively [19] - WaFd's forward 12-month price-to-earnings (P/E) ratio is 9.83X, higher than the industry average of 9.27X, suggesting the stock may be expensive [20] - The company is trading at a discount to Bank of Hawaii Corporation (BOH) but at a premium to Columbia Banking System, Inc. (COLB) [23] - Overall, steady loan growth, improving NIM, and rising non-interest income are expected to support WaFd's performance, despite challenges from rising expenses and asset quality concerns [24][25]