It has been about a month since the last earnings report for Bank of Hawaii (BOH) . Shares have added about 2.8% in that time frame, outperforming the S&P 500.Will the recent positive trend continue leading up to its next earnings release, or is Bank of Hawaii due for a pullback? Well, first let's take a quick look at its latest earnings report in order to get a better handle on the recent catalysts for Bank of Hawaii Corporation before we dive into how investors and analysts have reacted as of late.Bank of ...

Key Takeaways VLY's 2025 revenues climbed to $2.03B, lifted by strong NII and fee income growth.Valley National saw NIM rebound in 2025 on lower funding costs and deposit growth.VLY projects 11-13% NII growth in 2026, with 4-6% loan growth and margin expansion.Valley National Bancorp (VLY) reported a 9.3% year-over-year increase in 2025 total revenues to $2.03 billion. The growth was primarily driven by a substantial increase in net interest income (NII), supported by higher average loan balances and a nota ...

Core Insights - State Bank of India (SBI) reported a 24% year-on-year increase in net profit for the quarter ended December, amounting to ₹21,028 crore, driven by stable growth in core income [1] Financial Performance - Net interest income (NII) increased by 9% year-on-year to ₹45,190 crore, with a net interest margin of 2.99%, which is up 2 basis points quarter-on-quarter but down 2 basis points year-on-year [2] - Other income decreased by 8% year-on-year to ₹18,359 crore, primarily due to a one-time gain of ₹4,593 crore from a partial stake sale in YES Bank in Q2FY25 [2] - Gross advances grew by 15% year-on-year to ₹46.83 lakh crore in Q3, while deposits rose by 9% year-on-year to ₹57.01 lakh crore [2]

Core Insights - Cullen/Frost Bankers, Inc. (CFR) reported strong fourth-quarter 2025 adjusted earnings per share of $2.57, exceeding the Zacks Consensus Estimate of $2.47, and up from $2.36 in the prior-year quarter [1][9] - The results were driven by increased net interest income and non-interest income, supported by growth in loan and deposit balances, although elevated non-interest expenses posed a challenge [1][14] Financial Performance - The company reported net income available to common shareholders of $164.6 million for Q4 2025, a 7.4% increase from $153.2 million in Q4 2024 [2] - For the full year 2025, adjusted earnings per share reached $9.92, surpassing the Zacks Consensus Estimate of $9.84, and increased from $8.88 in the previous year [2] - Total revenues for Q4 2025 were $603.4 million, exceeding the Zacks Consensus Estimate by 3% and improving from $556.44 million year-over-year [3] - Annual revenues for 2025 were $2.32 billion, beating the Zacks Consensus Estimate of $2.30 billion and up from $2.15 billion in 2024 [3] Income Breakdown - Net interest income (NII) rose 8.6% year-over-year to $471.2 million, with the net interest margin (NIM) expanding 13 basis points to 3.66% [4] - Non-interest income increased 7.6% year-over-year to $132.2 million, driven by higher trust and investment management fees, service charges, and increased income from derivatives trading [5] Expense Analysis - Non-interest expenses totaled $371.7 million, a 10.6% increase year-over-year, primarily due to higher salaries, employee benefits, and one-time expenses [6] - The increase in expenses was partially offset by a reversal related to a special FDIC insurance assessment [6] Loan and Deposit Growth - Total loans for Q4 2025 were $21.9 billion, reflecting a 2.1% increase from the prior quarter, while deposits were $43.3 billion, up nearly 1% sequentially [7] Credit Quality - Credit loss expenses for Q4 2025 were $11.2 million, down from $16.2 million in the prior-year quarter, with net charge-offs decreasing to $5.8 million from $14.0 million [8] - The allowance for credit losses on loans was 1.29% of total loans, slightly down from 1.30% a year ago [8] Capital and Profitability Ratios - As of December 31, 2025, the common equity Tier 1 risk-based capital ratio was 14.06%, up from 13.62% year-over-year [11] - Return on average assets was 1.24%, compared to 1.16% in the prior-year quarter, while return on average common equity was 15.66%, down from 15.81% [12] Shareholder Returns - The company declared a first-quarter cash dividend of $1.00 per common share, payable on March 13, 2026 [13] - In Q4, CFR repurchased 653,913 shares for $80.7 million, completing its $150 million share repurchase authorization for 2025 [13]

Core Insights - East West Bancorp, Inc. (EWBC) reported fourth-quarter 2025 adjusted earnings per share (EPS) of $2.52, exceeding the Zacks Consensus Estimate of $2.48, and reflecting a 21.2% increase year-over-year [1][10] Financial Performance - The increase in net interest income (NII) and non-interest income, along with lower provisions, contributed to the positive earnings performance, although higher non-interest expenses negatively impacted the results [2][10] - Quarterly net revenues reached $758.3 million, a 12.2% year-over-year increase, surpassing the Zacks Consensus Estimate of $748.4 million [4] - For the full year 2025, net revenues totaled $2.93 billion, also up 12.2% year-over-year, beating the Zacks Consensus Estimate of $2.92 billion [4] Income and Expenses - Quarterly NII was $657.8 million, an 11.9% increase year-over-year, with the net interest margin (NIM) expanding by 17 basis points to 3.41% [5] - Total non-interest income was $100.4 million, up 13.9% year-over-year, driven by increases in most components except for a few specific areas [6] - Non-interest expenses totaled $261.3 million, a 4.5% increase from the prior-year quarter, with the efficiency ratio improving to 34.46% from 36.99% [7] Loan and Deposit Growth - As of December 31, 2025, net loans held for investment (HFI) were $56.1 billion, reflecting a 2% sequential rise, while total deposits increased by 0.7% to $67.1 billion [8] Credit Quality - Annualized quarterly net charge-offs were 0.08% of average loans HFI, down 40 basis points year-over-year, with provisions for credit losses decreasing by 57.1% to $30 million [9] Capital and Profitability Ratios - The common equity Tier 1 capital ratio improved to 15.10% from 14.27% year-over-year, and the total risk-based capital ratio rose to 16.42% from 15.48% [12] - Return on average assets was 1.77%, up from 1.55%, and return on average tangible equity increased to 17.03% from 16.07% [12] Share Repurchase and Dividend - In the reported quarter, the company repurchased 10,000 shares for $1 million, with $215 million remaining available for repurchase as of December 31, 2025 [13] - The board declared a common stock dividend of 80 cents per share, a 33% increase from the previous payout, to be paid on February 17 [14] Overall Outlook - The company is positioned for organic growth with improvements in loans and solid deposit balances, although rising expenses and mixed asset quality may pose challenges [15]

Core Insights - Texas Capital Bancshares, Inc. (TCBI) reported strong fourth-quarter 2025 adjusted earnings per share (EPS) of $2.08, exceeding the Zacks Consensus Estimate of $1.78 and up from $1.43 in the same quarter last year [1][2][8] - The company's performance was driven by increased net interest income (NII) and non-interest income, although it faced challenges from higher expenses and declining loan balances [1][5][11] Financial Performance - Adjusted EPS for the full year 2025 was $6.80, surpassing the Zacks Consensus Estimate of $6.50 and significantly higher than $4.43 in 2024 [2] - Net income available to common shareholders (GAAP basis) for Q4 2025 was $96.3 million, a 44% increase from $66.7 million in Q4 2024 [2] - Total quarterly revenues rose 15.4% year over year to $327.5 million, exceeding the Zacks Consensus Estimate by 1.4% [3] - For the full year 2025, revenues increased 34.6% year over year to $1.26 billion, also surpassing the Zacks Consensus Estimate of $1.25 billion [3] Income Sources - NII reached $267.4 million, a 16.5% increase year over year, driven by growth in average earning assets and lower funding costs [4] - Net interest margin (NIM) expanded by 45 basis points year over year to 3.38% [4] - Non-interest income grew 11.0% year over year to $60.0 million, primarily due to higher service charges and increased investment banking and advisory fees [4] Expense Management - Non-interest expenses rose 7.0% year over year to $184.2 million, mainly due to higher salaries, benefits, and technology expenses [5] - The increase in expenses was partially offset by lower legal and professional expenses [5] Loan and Deposit Trends - As of December 31, 2025, loans held for investment totaled $17.9 billion, down from $18.1 billion as of September 30, 2025 [6] - Total deposits decreased to $26.4 billion from $27.5 billion in the prior quarter [6] Credit Quality - Net charge-offs were $10.7 million in Q4 2025, down from $12.1 million in the same quarter last year [7] - Provision for credit losses was $11.0 million, a decline from $18.0 million in Q4 2024 [7] - Total non-performing assets increased to $121.2 million from $111.2 million year over year, with a non-accrual loans ratio of 0.49% compared to 0.50% in Q4 2024 [7] Capital Position - As of December 31, 2025, the common equity tier 1 (CET1) ratio was 12.1%, up from 11.4% in the previous year [9] - The total capital ratio stood at 16.1%, and the leverage ratio was 11.7%, compared to 11.3% as of December 31, 2024 [9] - Tangible common equity to total tangible assets improved to 10.6% from 10.0% year over year [9] Share Repurchase Activity - During Q4 2025, the company repurchased 1.45 million shares for a total of $126.6 million [10] - A new share repurchase program of up to $200 million was authorized by TCBI's board, effective through December 31, 2026 [10]

Core Insights - Commerce Bancshares Inc. (CBSH) reported fourth-quarter 2025 earnings of $1.01 per share, exceeding the Zacks Consensus Estimate of 99 cents and up from 96 cents in the prior-year quarter [1][10] - The company's net income for the quarter was $140.7 million, reflecting a year-over-year increase of 3.4% [2] Financial Performance - Total revenues for the fourth quarter reached $449.4 million, a 6.5% increase year over year, surpassing the Zacks Consensus Estimate of $438.1 million [4][10] - For the full year 2025, total revenues rose to $1.76 billion, also exceeding the consensus estimate of $1.75 billion [4] - Net interest income (NII) was $283.2 million, up 6.2% from the previous year, with a net yield on interest-earning assets of 3.60%, an increase of 11 basis points year over year [5] - Non-interest income increased to $166.2 million, a rise of 6.9%, primarily driven by higher trust fees and deposit account fees [5] Expense and Asset Quality - Non-interest expenses rose by 7.3% year over year to $253.0 million, attributed to higher salaries, employee benefits, and data processing costs [6] - The provision for credit losses was $16.0 million, up from $13.5 million in the prior-year quarter [9] - The efficiency ratio increased to 56.23% from 55.77% in the year-ago quarter, indicating a decline in profitability [7] Loan and Deposit Trends - As of December 31, 2025, net loans were $17.59 billion, slightly down from $17.61 billion, while total deposits increased to $25.64 billion from $25.46 billion [8] Capital Ratios and Share Repurchase - The Tier I leverage ratio improved to 12.65% from 12.26% year over year, and the tangible common equity to tangible assets ratio increased to 11.11% from 9.92% [12] - In the reported quarter, the company repurchased 2.2 million shares of treasury stock at an average price of $53.29 [13] Strategic Outlook - The company completed the acquisition of FineMark Holdings, which is expected to be accretive to earnings and lead to cost savings [14] - Future revenue growth is anticipated from strong loan demand and efforts to enhance fee income, although rising expenses and asset quality concerns present challenges [14]

Core Viewpoint - Huntington Bancshares Incorporated (HBAN) reported fourth-quarter 2025 adjusted earnings per share (EPS) of 37 cents, missing the Zacks Consensus Estimate of 39 cents, while the prior-year quarter EPS was 34 cents [1][9] Financial Performance - The company’s net income attributable to common shareholders (GAAP basis) was $519 million for the quarter, down from $530 million in the prior-year quarter [2] - For the full year 2025, EPS was $1.39, missing the Zacks Consensus Estimate of $1.49, but showing improvement from $1.22 in 2024 [3] - Total quarterly revenues increased 11.3% year over year to $2.19 billion, although it missed the Zacks Consensus Estimate of $2.20 billion [4] - Full-year revenues aggregated to $8.23 billion, up 10.7% year over year, beating the Zacks Consensus Estimate of $8.21 billion [4] Income and Expenses - Net interest income (NII) on a fully taxable-equivalent (FTE) basis was $1.61 billion, up 14.2% from the prior-year quarter, driven by a rise in average earning assets and net interest margin (NIM), which increased by 12 basis points to 3.15% [5] - Non-interest income rose 4.1% year over year to $582 million, while non-interest expenses surged 20.5% year over year to $1.42 billion, primarily due to increases in almost all cost components [5][9] - The efficiency ratio was 64.2%, up from 58.6% in the year-ago quarter, indicating a decline in profitability [6] Loans and Deposits - As of December 31, 2025, average loans and leases increased 7.8% sequentially to $146.6 billion, and average total deposits rose 5.1% sequentially to $173.2 billion [7] Credit Quality - Net charge-offs were $89 million, down from $97 million in the prior-year quarter, while the allowance for credit losses increased 12.1% to $2.74 billion [8][10] - Total non-performing assets were $945 million as of December 31, 2025, up 14.9% from the prior-year quarter [8] Capital Ratios - The common equity tier 1 risk-based capital ratio was 10.4%, down from 10.5% in the year-ago period, while the regulatory Tier 1 risk-based capital ratio increased to 12% from 11.9% [11] Recent Developments - Huntington Bancshares secured regulatory and shareholder approvals for a $7.4 billion all-stock acquisition of Cadence Bank, expected to close on February 1, 2026, which will expand its presence across 21 states [12] - The company completed a $1.9 billion all-stock merger with Veritex Holdings Inc. in October 2025, enhancing its footprint in key Texas markets [13] Strategic Outlook - The company’s inorganic expansion efforts are anticipated to support revenue growth in the near term, with a focus on strengthening commercial banking capabilities and expanding in key growth markets [14]

Core Insights - Fulton Financial Corporation reported a net income of $96.4 million, or $0.53 per diluted share, for Q4 2025, reflecting a decrease of $1.5 million from Q3 2025 [1] - For the full year 2025, net income available to common shareholders was $381.4 million, an increase of $102.9 million compared to 2024 [2] - The company achieved a 17% increase in operating diluted earnings per share in 2025, attributed to strategic strength and team dedication [3] Financial Performance - Operating net income for Q4 2025 was $99.4 million, or $0.55 per diluted share, down by $1.9 million from Q3 2025 [1] - Net interest income for Q4 2025 totaled $266.0 million, an increase of $1.8 million from the previous quarter [5] - Non-interest income decreased by $0.4 million to $70.0 million in Q4 2025 compared to Q3 2025 [5] Expenses and Costs - Non-interest expense rose by $16.4 million to $213.0 million in Q4 2025, primarily due to increased salaries and employee benefits [6] - The provision for credit losses was $2.9 million, resulting in an allowance for credit losses of $364.5 million, or 1.51% of total net loans as of December 31, 2025 [10] Balance Sheet Highlights - Total net loans increased to $24.1 billion, up by $103.4 million from Q3 2025, driven by a rise in consumer and commercial loans [10] - Deposits reached $26.6 billion, an increase of $256.9 million compared to the previous quarter [10] - The common equity tier 1 capital ratio improved to approximately 11.8% from 11.6% in the prior quarter [5] Share Repurchase Program - Fulton repurchased 1,082,678 shares of common stock for $19.9 million at an average price of $18.34 per share during Q4 2025 [5] - The Board approved a new repurchase program for 2026, allowing up to $150 million in share repurchases [9]

Core Insights - Bank OZK reported a fourth-quarter 2025 earnings per share (EPS) of $1.53, a decrease of 1.9% year over year, and missed the Zacks Consensus Estimate of $1.56 [1][9] - The decline in EPS was attributed to higher provisions for credit losses and increased operating expenses, despite growth in net interest income (NII) and non-interest income [1][11] Financial Performance - Net income available to common shareholders was $171.9 million, down 3.5% from $178.1 million in the same quarter last year [2] - For the full year 2025, EPS was $6.18, slightly up from $6.14 in 2024, but below the Zacks Consensus Estimate of $6.20 [2] - Net revenues for the fourth quarter were $440.6 million, reflecting a 6.9% year-over-year increase and exceeding the Zacks Consensus Estimate of $432.6 million [3] - Total net revenues for 2025 reached $1.72 billion, up from $1.66 billion in 2024, meeting the Zacks Consensus Estimate [3] Income and Expenses - Fourth-quarter net interest income was $407 million, a 7.3% increase year over year, surpassing the estimate of $402 million [3] - Non-interest income totaled $33.6 million, up 2% from the previous year, but below the estimate of $34.5 million [4] - Non-interest expenses rose to $161.6 million, a 15.4% increase from the prior year, driven by higher salaries, employee benefits, and other operating costs [5] - The efficiency ratio increased to 36.36%, up from 33.71% a year ago, indicating reduced profitability [5] Asset Quality - As of December 31, 2025, net loans increased to $31.8 billion from $29.5 billion a year earlier, while total deposits rose to $33.4 billion, reflecting a 7.5% increase [6] - The net charge-offs to average total loans rose significantly to 1.18% from 0.16% in the previous year [7] - Provisions for credit losses increased by 36% year over year to $50.6 million, exceeding the projected $40.1 million [7] - The ratio of non-performing loans to total loans increased to 1.06% from 0.44% a year ago, indicating pressure on asset quality [7] Profitability Metrics - Return on average assets decreased to 1.67% from 1.87% in the prior year [10] - Return on average common equity also declined to 11.80% from 13.33% [10] Overall Assessment - Bank OZK continues to benefit from steady loan growth and solid net interest income generation, but faces challenges from elevated operating expenses, higher credit costs, and worsening asset quality metrics [11]