Metropolitan Bank (NYSE:MCB) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Speaker3Welcome to Metropolitan Commercial Bank Fourth Quarter 2025 earnings call. Hosting the call today from Metropolitan Commercial Bank are Mark DeFazio, President and Chief Executive Officer, and Daniel Dougherty, Executive Vice President and Chief Financial Officer. Today's call is being recorded. At this time, all participants have been placed in a listen-only mode, and the floor will be open for your questions following ...

Ally Financial (NYSE:ALLY) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Speaker0Good day, and thank you for standing by. Welcome to Ally Financial Fourth Quarter 2025 earnings conference call. At this time, all participants are on a listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during the session, you will need to press star 11 on your touch-tone telephone. You will then hear an automated message advising your hand is raised. To with ...

F.N.B. (NYSE:FNB) Q4 2025 Earnings call January 21, 2026 08:30 AM ET Company ParticipantsVincent Delie - Chairman, President and CEOVincent Calabrese - CFOGary L. Guerrieri - Chief Credit OfficerNone - Company RepresentativeLisa Hajdu - Head of Investor RelationsConference Call ParticipantsNone - AnalystDaniel Tamayo - AnalystKelly Motta - AnalystBrian Martin - AnalystRussell Gunther - AnalystOperatorGood morning, everyone. Thank you for joining this morning's F.N.B. Corporation conference call. The call wi ...

Dime Community Bancshares (NasdaqGS:DCOM) Q4 2025 Earnings call January 21, 2026 08:30 AM ET Company ParticipantsSteve Moss - Managing Director Banking ArlingtonStuart Lubow - President and CEOMark Fitzgibbon - Managing Director and Head of FSG ResearchAvinash Reddy - COO and CFOTom Geisel - Chief Commercial OfficerDavid Konrad - Managing Director of Equity ResearchConference Call ParticipantsMatthew Breese - Managing Director and Research AnalystOperatorGood day, and welcome to the Dime Community Bancshare ...

Dime Community Bancshares (NasdaqGS:DCOM) Q4 2025 Earnings call January 21, 2026 08:30 AM ET Company ParticipantsSteve Moss - Managing Director Banking ArlingtonStuart Lubow - President and CEOMark Fitzgibbon - Managing Director and Head of FSG ResearchAvinash Reddy - COO and CFOTom Geisel - Chief Commercial OfficerDavid Konrad - Managing Director of Equity ResearchConference Call ParticipantsMatthew Breese - Managing Director and Research AnalystOperatorGood day, and welcome to the Dime Community Bancshare ...

Charles Schwab (NYSE:SCHW) Q4 2025 Earnings call January 21, 2026 08:30 AM ET Company ParticipantsMike Verdeschi - CFOJeff Edwards - Head of Investor RelationsRick Wurster - President and CEOConference Call ParticipantsBill Katz - AnalystBrennan Hawken - AnalystStephen Turek - AnalystKen Worthington - AnalystAlex Blostein - Lead Capital Markets AnalystBrian Bedell - AnalystDevin Ryan - AnalystDan Fannon - AnalystBenjamin Budish - AnalystMike Brown - AnalystJeff EdwardsGood morning, everyone, and welcome to ...

Bank OZK (NasdaqGS:OZK) Q4 2025 Earnings call January 21, 2026 08:30 AM ET Company ParticipantsJanet Lee - VP of Equity ResearchStephen Scouten - Managing DirectorGeorge Gleason - Chairman and CEOJake Munn - President of Corporate and Institutional BankingCatherine Mealor - Managing DirectorJay Staley - Managing Director of Investor Relations and Corporate DevelopmentJordan Ghent - Equity Research AssociateBrian Martin - Director of Banks and ThriftsTim Hicks - CFOBrannon Hamblen - PresidentConference Call ...

F.N.B. (NYSE:FNB) Q4 2025 Earnings call January 21, 2026 08:30 AM ET Company ParticipantsVincent Delie - Chairman, President and CEOVincent Calabrese - CFOGary L. Guerrieri - Chief Credit OfficerNone - Company RepresentativeLisa Hajdu - Head of Investor RelationsConference Call ParticipantsNone - AnalystCasey Haire - AnalystDaniel Tamayo - AnalystKelly Motta - AnalystBrian Martin - AnalystRussell Gunther - AnalystOperatorGood morning, everyone. Thank you for joining this morning's F.N.B. Corporation confere ...

Financial Data and Key Metrics Changes - The company reported first-quarter sales of $4.7 billion, representing a 22% increase on a reported basis and a 15% increase organically year over year [7][20] - Adjusted earnings per share (EPS) reached a record of $2.72, up over 30% compared to the previous year [8][20] - Adjusted operating margins improved to 22%, an increase of 180 basis points year over year [8][20] - Free cash flow exceeded $600 million, with 100% returned to shareholders [8][20] Business Line Data and Key Metrics Changes - Industrial Solutions segment sales grew 38% year over year, with a 26% organic increase [11] - Digital Data Networks (DDN) experienced a remarkable 70% growth year over year, driven by strong AI revenue expectations [12] - Transportation Solutions segment sales increased by 10%, with organic growth of 7% year over year [15] Market Data and Key Metrics Changes - Orders increased to a record level of over $5 billion, reflecting a growth of more than $1 billion compared to the prior year [5][9] - Double-digit organic order growth was observed in all regions year over year [9] - The company expects global auto production to be approximately 88 million units for fiscal 2026, slightly down from the previous year [16][78] Company Strategy and Development Direction - The company is focusing on broadening growth drivers to capitalize on secular trends in data and power connectivity [4] - Investments in co-creation engineering models and global supply chain enhancements are expected to drive value for customers [4] - The long-term target is to achieve six to eight points of annual average growth, with expectations to exceed this in fiscal 2026 [7] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the ability to deliver growth ahead of the long-term target, supported by strong order momentum [7][21] - The company is experiencing ongoing macroeconomic challenges but continues to execute well, achieving record adjusted operating margins [6][21] - Management highlighted the importance of AI and data connectivity as key growth drivers for the future [10] Other Important Information - The company plans to increase capital expenditures to support the growing pipeline of customer awards for AI programs, expecting CapEx to be closer to 6% of sales this year [20] - The adjusted effective tax rate for Q1 was approximately 22%, with expectations to remain at this level for Q2 [19] Q&A Session Summary Question: AI revenue forecast increase - Management confirmed an increase in AI revenue expectations by $200 million compared to previous forecasts, driven by new program awards and strong customer demand [28][29] Question: Order trends and revenue implications - Management noted that orders were up significantly, with strong growth across various segments, but acknowledged a typical seasonal decline in auto production affecting revenue guidance [34][36] Question: Drivers of AI revenue uptick - The increase in AI revenue expectations is attributed to new program awards and existing programs performing better than anticipated [40][42] Question: Supply chain tightness and inflation - Management indicated that while there is inflation in metal-related components, they are able to procure necessary materials and pass costs through to customers [62][71] Question: Commercial transportation outlook - Management acknowledged that while last year's first quarter was an easier comparison, they expect continued growth in commercial transportation driven by improvements in markets outside North America [66][68] Question: EPS guidance and operating income items - Management explained that the slight decrease in EPS guidance is due to tax and higher interest expenses, but they remain confident in maintaining strong incremental margins [69][70]

TE Connectivity (NYSE:TEL) Q1 2026 Earnings call January 21, 2026 08:30 AM ET Company ParticipantsTerrence Curtin - CEOHeath Mitts - CFOScott Davis - Chairman and CEOSujal Shah - VP of Investor RelationsConference Call ParticipantsLuke Junk - AnalystMark Delaney - AnalystJoe Spak - AnalystWamsi Mohan - AnalystJoe Giordano - AnalystColin Langan - AnalystAsiya Merchant - AnalystShreyas Patil - AnalystAmit Daryanani - AnalystGuy Hardwick - AnalystSteven Fox - AnalystSamik Chatterjee - AnalystWilliam Stein - An ...