Financial Data and Key Metrics Changes - The company reported record net income of $224.1 million for the full year, with diluted earnings per share of $3.88, reflecting a 13.8% increase from the previous year [3] - Fourth quarter net income was $56.6 million, or $0.99 per share, with an annual return on assets of 1.21% and a return on tangible common equity of 14.08% [3] - The efficiency ratio for the year was 54.5%, indicating significant operating leverage with revenues growing almost five times faster than expenses [3] Business Line Data and Key Metrics Changes - Commercial loan growth was robust, with $153 million in growth for the quarter (6% annualized) and $852 million year-to-date (nearly 7% growth for 2025) [7] - The consumer segment also contributed to growth, with $44 million in loan growth for the quarter and $87 million for the year [7] - Total revenues in Q4 included a $5.4 million increase in net interest income and a $0.6 million increase in non-interest income, leading to pre-tax pre-provision earnings of $72.4 million [11] Market Data and Key Metrics Changes - The company operates 111 banking centers across Indiana, Ohio, and Michigan, with total assets reaching $19 billion, total loans at $13.8 billion, and total deposits at $15.3 billion [2] - The fourth quarter was the strongest for deposit growth, driven by the consumer segment, which saw a $155 million increase in total consumer deposits [8] Company Strategy and Development Direction - The company aims to build on its Midwestern strength and grow organically through deeper relationships and smarter use of technology [6] - The acquisition of First Savings Group, adding approximately $2.4 billion in assets, is expected to enhance the company's presence in Southern Indiana and the Louisville MSA [3][4] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the strategic and financial benefits of the merger with First Savings Group, which is set to close on February 1, 2026 [4] - The company anticipates maintaining loan growth into the first quarter of 2026, with expectations of mid-single-digit growth for the year [32] Other Important Information - The allowance for credit losses at quarter-end was $195.6 million, with a coverage ratio of 1.42% [14] - The company repurchased 272,000 shares for $10.4 million in the quarter, totaling over 1.2 million shares for $46.9 million in 2025 [16] Q&A Session Summary Question: Update on balance sheet optimization - Management is evaluating modest balance sheet repositioning, including selling the entire First Savings bond portfolio of about $250 million [28][29] Question: Expectations for loan growth in 2026 - Management expects mid to high single-digit loan growth for 2026, with balanced growth across segments and geographies [32][33] Question: Guidance on core expense base - Non-interest expense is expected to increase by 3%-5% due to talent additions and the integration of First Savings Group [44] Question: Outlook on fee income growth - Management anticipates double-digit growth in non-interest income for 2026, driven by wealth management and treasury management [55][58] Question: Impact of M&A on loan pipeline - Management sees opportunities arising from M&A disruptions among competitors, particularly in Michigan [60][61] Question: Buyback strategy - Management intends to be aggressive with buybacks if the stock continues to trade below average valuation levels [62]

Financial Data and Key Metrics Changes - The company reported record total assets of $19 billion, total loans of $13.8 billion, and total deposits of $15.3 billion [2] - Record net income of $224.1 million and diluted earnings per share of $3.88, an increase of 13.8% from the previous year [3] - Fourth quarter net income totaled $56.6 million or $0.99 per share, with an annual return on assets of 1.21% and return on tangible common equity of 14.08% [3] - Efficiency ratio for the year was 54.5%, with revenues growing almost five times faster than expenses [3] Business Line Data and Key Metrics Changes - Commercial loan growth for the quarter was $153 million or 6% annualized, with year-to-date growth of $852 million, nearly 7% for all of 2025 [6] - Consumer segment contributed $44 million in loan growth for the quarter and $87 million for the year, driven by residential mortgage, HELOC, and private banking relationships [7] - Total revenues in Q4 included a $5.4 million increase in net interest income and a $0.6 million increase in non-interest income [11] Market Data and Key Metrics Changes - The fourth quarter was the strongest for deposit growth, with consumer segment driving increases in new households and balances [8] - Deposits increased by $155 million in the fourth quarter, with over $250 million in non-maturity balance growth [8] - The primary driver of deposit growth was through public fund depository relationships, which are higher cost but involve local government and public relationships [9] Company Strategy and Development Direction - The company aims to build on its Midwestern strength and grow organically through deeper relationships and smarter use of technology [5] - The acquisition of First Savings Group, adding approximately $2.4 billion in assets, is expected to enhance the company's presence in Southern Indiana and the Louisville MSA [3][4] - Integration efforts for First Savings Bank are on track, with a focus on community bank model and specialty verticals [10] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the strategic and financial benefits of the merger, expecting to close on February 1, 2026 [4] - The outlook for loan growth in 2026 is projected to be in the mid-single-digit range, with expectations of 6% to 8% growth [32] - Management noted that asset quality remains strong, with stable non-performing assets and a robust coverage ratio [19] Other Important Information - The company plans to sell the entire First Savings bond portfolio, approximately $250 million, to optimize the balance sheet [25] - Non-interest expense for the year increased only 3.2%, demonstrating significant operating leverage [15] - The tangible common equity ratio increased to 9.38%, with share repurchases totaling over 1.2 million shares for $46.9 million in 2025 [15] Q&A Session Summary Question: Update on balance sheet optimization - Management is evaluating modest balance sheet repositioning, including selling the First Savings bond portfolio [25][26] Question: Expectations for loan growth in 2026 - Loan growth is expected to be in the mid-single-digit range, with strong pipelines across various segments [30][32] Question: Guidance on deposit repricing schedule - Approximately $800 million of CDs maturing in the first two quarters of 2026, with weighted average rates higher than current specials [34] Question: Outlook on operating leverage - Core operating leverage is expected to be less impressive due to talent additions, but overall growth in net interest income and fee income is anticipated [39] Question: Guidance on core expense base - Non-interest expense is budgeted to increase by 3%-5% due to talent additions and First Savings operating expenses [43] Question: Charge-off expectations - Charge-offs are expected to be in the range of $6 million to $7 million over the near term [81] Question: Impact of M&A on loan pipeline - Management sees M&A-related disruptions as opportunities for new client conversations and potential talent acquisition [58][60] Question: Buyback strategy - The company intends to be aggressive with buybacks if the stock price remains low, viewing it as a better use of capital than pursuing new M&A [88]

Financial Data and Key Metrics Changes - Fully diluted earnings per share was $1.39, a 63% increase year-over-year and a 16% increase from the previous quarter [3] - Net interest margin improved for the seventh consecutive quarter, up 15 basis points to 2.61% [3] - Return on common equity improved to 15% [3] - Net income for the quarter was $60.9 million, an increase of $7.6 million from the previous quarter [12] Business Line Data and Key Metrics Changes - Loans and deposits both grew modestly in the quarter, with non-interest-bearing demand deposits growing 6.6% on a linked basis [3] - Consumer loans represent 57% of total loans, approximately $8 billion, with 86% consisting of residential mortgage and home equity loans [8] - Commercial lending portfolio totals $6.1 billion, representing 43% of total loans, with 73% secured by real estate [8] Market Data and Key Metrics Changes - Bank of Hawaii continues to lead in deposit market share in Hawaii, with market share growth advancing another 40 basis points in 2025 [4] - The average quarterly mix shift of deposits was $25 million compared to $340 million in 2024, indicating a shift from non-interest-bearing to higher-cost deposits [13] Company Strategy and Development Direction - The company aims to leverage its unique core Hawaii market and dominant brand position to create superior risk-adjusted returns [4] - The focus remains on improving customer service and expanding market share, with a strong emphasis on both consumer and commercial segments [51] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the growth of non-interest-bearing deposits, although they expect growth rates to moderate from the current quarter's 6% [25] - The outlook for loan growth in 2026 is projected to be mid-single digits, with expectations for improved pipelines in both consumer and commercial lending [29][54] Other Important Information - The company reported a provision for credit losses of $2.5 million, unchanged from the linked quarter, resulting in a coverage ratio of 1.04% [19] - Capital ratios remained above regulatory thresholds, with Tier 1 capital at 14.5% and total risk-based capital at 15.5% [20] Q&A Session Summary Question: Non-interest-bearing deposit growth - Management noted a 6% increase in non-interest-bearing deposits, attributing it to a balanced contribution from business segments, but expects growth to moderate [25] Question: Loan pipeline outlook - Management indicated a positive outlook for loan pipelines, with expectations for mid-single-digit growth in 2026 [29][54] Question: Margin update - Management confirmed that the margin target of near 290 is an end-of-year goal, not a fourth-quarter average [33] Question: Special mention and classified balances - Special mention balances at the end of the fourth quarter were $63.4 million, down from the previous year, indicating strong credit quality [39] Question: Fee income opportunities - Management highlighted growth in wealth management fees and a strong pipeline, with expectations for continued growth [75]

Financial Performance - For Q4 2025, Oregon Bancorp reported a net income of $826,000, or $0.33 per share, with a return on average assets of 0.7% and a return on average equity of 4.4%, down from a net income of $1.1 million, or $0.46 per share, in Q3 2025 [1][2] - For the full year 2025, the company generated a net income of $3.2 million, or $1.29 per share, compared to $3.4 million, or $1.38 per share, in 2024 [2] Asset and Liability Management - Total assets decreased by $6.6 million in Q4 2025, primarily due to a $7.5 million decline in deposits and a $6.6 million reduction in commercial loan balances [3] - Compared to December 31, 2024, total assets decreased by $17.8 million, largely reflecting a $19 million reduction in borrowings and a $14 million decline in commercial loan balances [3] Interest Margin and Loan Production - The net interest margin improved to 3.8% in Q4 2025 and 3.7% for the full year, up from 3.5% and 3.6% in 2024, respectively [2] - Residential mortgage production totaled $52 million for Q4 2025 and $223 million for the full year [2] Management Commentary - President and CEO Ryan Dempster noted that the Federal Reserve's three interest rate reductions during the quarter have stimulated commercial lending activity, which is expected to contribute to commercial loan growth in 2026 [4] - Dempster expressed optimism about a strong pipeline of new customers supporting deposit growth in 2026 [4] Company Overview - Oregon Bancorp, Inc. is the parent company of Willamette Valley Bank, a community bank headquartered in Salem, Oregon, conducting commercial and retail banking activities at four full-service branch locations [4]

Financial Data and Key Metrics Changes - In Q4 2025, the company reported net income of $99.5 million, or $0.46 per diluted share, with operating earnings increasing by 28% to $94.7 million [11][12] - Operating return on assets (ROA) improved to 130 basis points, up 24 basis points year-over-year, while return on average tangible common equity rose to 13.8% from 11.3% [12] - The net interest income for Q4 was $237.4 million, an increase of $37.2 million from Q3, driven by margin improvement [12][13] Business Line Data and Key Metrics Changes - Total loans grew by $1 billion, or 5.6%, for the full year, primarily due to strong commercial lending results [8][17] - Wealth assets reached a record high of $10.1 billion at year-end, including $9.6 billion in assets under management, driven by market appreciation and positive net flows [8][14] - Non-interest income for Q4 was $46.1 million, an increase of $4.8 million from Q3, with mortgage banking income rising to $3 million [13][14] Market Data and Key Metrics Changes - The company is now the largest independent bank headquartered in Massachusetts with $31 billion in assets and the fourth largest deposit market share in Greater Boston [4] - Period-end deposits totaled $25.5 billion, an increase of $4.4 billion, or 21% from Q3, primarily due to the addition of HarborOne deposits [15][16] Company Strategy and Development Direction - The company is focused on organic growth and returning capital to shareholders, with no plans for acquisitions in the foreseeable future [5][6][27] - Strategic investments in hiring talent have been emphasized as a key driver of growth, enhancing the company's competitive position [7] - The company aims to manage its CET1 ratio towards the median of the KRX, currently at 12%, while continuing to return excess capital through share repurchases and dividends [10][18] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in capturing growth opportunities in larger markets, expecting steady improvement in profitability metrics [6][8] - The company anticipates loan growth of 3%-5% and deposit growth of 1%-2% for 2026, with net interest income projected between $1.2 billion and $1.5 billion [25][26] - Management noted that while there are no material shifts in credit metrics, a provision expense of $30-$40 million is expected for 2026 [30][39] Other Important Information - The company repurchased 3.1 million shares for $55.4 million in Q4, representing 26% of the total authorization announced in October [9][18] - The allowance for loan losses increased to $332 million, or 144 basis points of total loans, reflecting the initial allowance for acquired HarborOne loans [21] Q&A Session Summary Question: Margin outlook and deposit growth - Management indicated that the core margin is expected to remain relatively flat in the near term, with potential expansion later in the year [28][29] Question: Provision outlook and credit landscape - The provision guidance of $30 million-$40 million is higher than the previous year, but management does not see significant concerns in credit trends [30][31] Question: Non-performing loans and resolution plans - Non-performing loans are primarily driven by HarborOne, with management confident in their resolution plans [33][34] Question: Fee income and mortgage banking business - The company expects fee income from HarborOne's mortgage business to be 8%-10% of total fee income, benefiting from potential rate drops [46]

Financial Data and Key Metrics Changes - The company reported net earnings of $6.8 million and earnings per share of $0.28 for Q3 2025, compared to core income of $2 million and $0.08 per share in Q3 2024 [5] - Return on Assets (ROA) and Return on Tangible Common Equity (ROTCE) improved to 70 basis points and 9.45%, respectively [5] - Core ROA adjusted for certain items is closer to 90 basis points, aligning with the target of 1% ROA [6] - Net interest margin increased to 3.18%, up from 2.86% in the previous quarter and 2.97% year-over-year [20] Business Line Data and Key Metrics Changes - The mortgage division's production increased from approximately $20 million to $100-$120 million per month over the past few years, with pre-tax earnings of about $1.9 million in Q3 [11] - The Mortgage Warehouse division showed average balances of $210 million, ending balances of $327 million, and pre-tax earnings of about $1.6 million [12] - Panacea Financial Division's loan balances rose to $530 million, with deposits growing to $132 million, a 50% increase year-over-year [13] Market Data and Key Metrics Changes - Non-interest-bearing checking accounts grew by about 16% compared to a year ago, improving the deposit mix and reducing the cost of deposits by almost 20% [7] - Average earning assets increased by 10% annualized in Q3 2025 [19] - Non-interest income reached $12 million, up from $10.6 million in the previous quarter, driven primarily by increased mortgage revenue [22] Company Strategy and Development Direction - The company aims to increase the proportion of non-interest-bearing deposits to around 20% of total deposits, focusing on enhancing the deposit mix [34] - The strategy includes leveraging technology and customer relationships to drive down deposit costs while maintaining competitive rates [40][46] - The company is focused on sustainable growth in the mortgage and Panacea divisions, with plans to maintain strong production levels [31] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving a 1% ROA goal, citing strong operational momentum and a favorable deposit mix [25] - The company anticipates continued growth in profitability with fewer one-time items affecting core earnings [25] - Management noted that credit quality remains stable, with expectations for resolution of certain non-accrual loans in the coming quarters [50] Other Important Information - The company experienced limited impacts on net interest margin from consumer programs and expects this to continue [20] - The mortgage division's profitability rebounded significantly, with a notable increase in loan funding compared to the previous year [22] Q&A Session Summary Question: Thoughts on overall loan growth for Q4 and into 2026 - Management indicated potential for continued growth in the Mortgage Warehouse division and projected 6-8% growth for the core bank [30][31] Question: Timing for reaching a 3.30% margin - Management expects to approach a 3.30% margin by the first quarter of next year, focusing on increasing non-interest-bearing deposits [34] Question: Impact of interest rate changes on deposit costs - Management noted that while competition may drive rates, their strategy of increasing checking accounts allows for competitive positioning [40] Question: Stickiness of digital banking customers - Management confirmed that digital customers are proving to be stickier than expected, with high retention rates and significant average balances [42][46] Question: Resolution of asset quality issues - Management expressed optimism about resolving certain non-accrual loans within the next few quarters, particularly in the C&I sector [50]

Financial Data and Key Metrics Changes - Earnings per share increased for the fourth consecutive quarter, reaching $1.60, up by $0.09 compared to the linked quarter [16] - Net interest income (NII) expanded by $3.9 million, marking the fifth consecutive quarter of growth, while net interest margin (NIM) increased by seven basis points [17][18] - Capital ratios improved, with Tier one capital at 14.2% and total risk-based capital at 15.2% [24] Business Line Data and Key Metrics Changes - The loan portfolio is balanced between consumer (56% or $7.9 billion) and commercial loans (44% or $6.1 billion), with a significant portion secured by real estate [11][12] - Consumer loans predominantly consist of residential mortgages and home equity, with a weighted average loan-to-value (LTV) of 48% [11] - Commercial real estate loans account for $4 billion, representing 29% of total loans, with low vacancy rates supporting a stable market [12] Market Data and Key Metrics Changes - Hawaii's employment continues to outperform the broader U.S. economy, with visitor expenditures up 6.5% year-to-date and arrivals up 2.8% through May [8] - Residential real estate prices in Hawaii are stable, with single-family home prices rising modestly and condo prices down 0.5% year-to-date [8] Company Strategy and Development Direction - The company maintains a unique business model focused on the local market, leveraging a strong brand position to effectively price deposits [6][7] - The strategy includes a focus on deposit remixing from lower yielding to higher yielding deposits while maintaining overall deposit levels [7] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving a net interest margin of 2.50% by year-end, with expectations for continued growth in NII and NIM [32] - The company anticipates modest loan growth and plans to continue growing its securities portfolio [34] Other Important Information - Non-interest income increased to $44.8 million, with a one-time gain of approximately $800,000 related to a BOLI recovery [22] - Non-interest expense was $110.8 million, with a severance charge of $1.4 million included in this quarter [22] Q&A Session Summary Question: Margin path expectations - Management believes a net interest margin of 2.50% is achievable, with no obstacles anticipated [32] Question: Balance sheet growth and securities - The company expects to continue growing its securities portfolio, investing excess liquidity into it [34] Question: Trends in commercial and industrial loans - Commercial loan performance was disappointing, with a flat linked quarter, but management sees potential for improvement as market clarity increases [44] Question: Deposit dynamics and DDA growth - Management is focused on building demand deposits, which are high-margin products, but acknowledges the competitive landscape [48] Question: Expense growth expectations - The company expects a 2% to 3% increase in expenses for the year, with a potential step back in the second half [52] Question: Capital priorities and buybacks - The company plans to maintain its buyback position until there is more clarity on the economy [54] Question: Expected cash flows from securities and loans - Expected cash flows from the securities book are projected to be around $550 million [58]

Core Insights - WesBanco, Inc. has opened a new commercial loan production office (LPO) in Northern Virginia, marking its first commercial-focused LPO in the area and expanding its capabilities in the Dulles Corridor and Washington, D.C. metro region [1][2][3] Company Expansion - The new LPO aligns with WesBanco's long-term strategy to grow in high-opportunity markets adjacent to its current footprint, bringing dedicated lending expertise to a vibrant region encompassing seven counties [2][3] - David Leudemann has been appointed as City President and Senior Commercial Banker to lead the new LPO, bringing extensive industry experience and regional ties [3][4] Market Opportunities - The Northern Virginia market is viewed as dynamic, offering significant opportunities for business growth and community engagement [3] - WesBanco aims to deliver tailored financial solutions to empower local and regional businesses [4] Company Reputation - WesBanco has received multiple accolades for soundness, profitability, customer service, and community development, including an "Outstanding" FDIC Community Reinvestment Act rating and recognition in Forbes' Most Trusted Companies in America [4] Operational Details - The Northern Virginia commercial LPO is currently co-located with its residential mortgage LPO in Leesburg, Virginia, with plans to relocate to Fairfax County in the near future [5] Company Overview - WesBanco, Inc. has over 150 years of experience as a community-focused financial services partner, with total assets of $27.4 billion as of March 31, 2025 [6]

Financial Data and Key Metrics Changes - The company reported record quarterly net income of $195.5 million, up from $189 million in the previous quarter, representing a growth of approximately 2.6% [5] - Net interest income also reached a record high of $547 million, driven by loan growth of $2.3 billion in the second quarter, which reflects a 19% annualized increase [5][10] - Total assets grew by $3.1 billion to $69 billion, including the impact of a $425 million preferred stock offering [11] Business Line Data and Key Metrics Changes - Residential mortgage activity increased slightly but remains muted in the current rate environment, with the company managing expenses to protect financial results [7] - The property and casualty premium finance group saw growth of over $1 billion, while commercial real estate grew by $377 million and mortgage warehouse grew by $213 million [19][20] - Non-interest income totaled $124.1 million, up approximately $7.5 million from the prior quarter, with increases in mortgage banking and wealth management revenue [13] Market Data and Key Metrics Changes - The company experienced a 17% increase in deposit growth, amounting to $2.2 billion on an annualized basis, which helped fund the strong loan growth [9] - The net interest margin for the quarter remained stable at 3.54%, indicating effective management of interest income and expenses [6][12] Company Strategy and Development Direction - The company aims for continued mid to high single-digit loan growth for the second half of the year, supported by strong pipelines and disciplined growth strategies [5][21] - Management emphasized a client-first approach, focusing on delivering sophisticated financial solutions while maintaining expense discipline [26] - The company is cautiously optimistic about the overall business environment, with a focus on maintaining strong credit quality and managing risks effectively [22] Management's Comments on Operating Environment and Future Outlook - Management noted that credit quality remains strong, with non-performing loans stable and charge-offs unchanged from the previous quarter [22][23] - There is a belief that the impacts of economic uncertainties will be limited due to strong underwriting standards and a diversified portfolio [21] - The company is optimistic about the potential for M&A activity, driven by market dynamics and opportunities arising from regulatory changes [51][92] Other Important Information - The company continues to build tangible book value per share and has grown it every year since going public [15] - The recent preferred stock issuance will impact earnings per share calculations in the third quarter, but not operating net income [16][17] Q&A Session Summary Question: Loan growth expectations for Q3 - Management expects loan growth to remain in the mid to high single digits based on the June 30 balance [33][34] Question: Sources of deposit growth - Deposit growth is broad-based, with significant contributions from commercial and consumer households [36] Question: Wealth management outsourcing progress - The conversion to the LPL platform is largely complete, and the focus is now on serving clients and growing the wealth business [37] Question: NII growth sustainability amid deposit competition - Management anticipates mid to high single-digit NII growth, supported by stable margins and asset growth [43][46] Question: Impact of deregulation on the company - Management is hopeful for regulatory adjustments that could facilitate growth and acquisition opportunities [51] Question: Borrower sentiment and loan growth - Borrower sentiment is cautiously optimistic, with improved confidence in the economic environment [111] Question: Non-performing loans in the CRE portfolio - The increase in non-performing loans is attributed to a few specific credits, but overall management remains confident in the portfolio's health [96]

Core Insights - Truist Financial (TFC) is set to announce its second-quarter 2025 results on July 18, with a positive lending environment despite macroeconomic uncertainties [1] Lending and Loan Growth - Strong growth in commercial and industrial (C&I) loans, which make up nearly 50% of TFC's total loans, alongside decent demand for consumer loans, accounting for almost 40% of total loans [2] - The consensus estimate for TFC's average earning assets in Q2 is $478.4 billion, reflecting a slight increase from the previous year [3] Net Interest Income and Margins - The Federal Reserve maintained interest rates at 4.25-4.5%, which is expected to positively impact TFC's net interest income (NII) and net interest margin due to higher rates and loan growth [4] - The consensus estimate for Q2 NII is $3.58 billion, indicating a 1.4% year-over-year increase [4] Non-Interest Income Estimates - Service charges on deposits are estimated at $234 million, showing a marginal rise from the previous year, while card and payment-related fees are expected to decline by 2.2% to $225 million [6] - Mortgage banking income is projected to rise significantly, with a consensus estimate of $113 million, reflecting a 34.5% increase year-over-year [7] Fee Income and Expenses - Investment banking and trading income is estimated at $266 million, indicating a 7% year-over-year decline, while lending-related fees are expected to rise by 4.5% to $93 million [8][9] - Total non-interest income is projected at $1.41 billion, showing growth from the prior year [10] Cost and Expense Projections - Non-interest expenses are anticipated to rise by 5.5% year-over-year, with total adjusted non-interest expenses estimated at $2.96 billion [13] - Management expects adjusted expenses to increase by 2-3% sequentially due to higher personnel costs [13] Asset Quality and Credit Losses - TFC is likely to have set aside significant provisions for potential delinquent loans, with an estimated provision for credit losses of $407.9 million, reflecting a 9.6% year-over-year decline [14] - The consensus estimate for total non-accrual loans and leases is $1.56 billion, suggesting a 9.6% year-over-year increase [15] Earnings and Sales Expectations - The consensus estimate for TFC's earnings is 92 cents per share, indicating a 1.1% rise from the previous year, while sales are projected at $4.98 billion, reflecting a marginal year-over-year increase [17]