Hilltop (NYSE:HTH) Q3 2025 Earnings Call October 24, 2025 09:00 AM ET Speaker0Good morning, ladies and gentlemen, and welcome to the Hilltop Holdings Third Quarter twenty twenty five Earnings Conference Call and Webcast. At this time, all lines are in listen only mode. Following the presentation, we will conduct a question and answer session. Please be advised that this call is being recorded today, Friday, 10/24/2025. I would now like to turn the conference over to Matt Dunn.Please go ahead.Speaker1Thank y ...

Eastern Bankshares (NasdaqGS:EBC) Q3 2025 Earnings Call October 24, 2025 09:00 AM ET Speaker7Welcome to the Eastern Bankshares, Inc. Third Quarter 2025 Earnings Conference Call. Currently, all participant lines are in a listen-only mode. Following the prepared remarks, there will be a question and answer session. Please note this event is being recorded for replay purposes. In connection with today's call, the company posted a presentation on its investor relations website, investor.easternbank.com, which w ...

Sanofi (NasdaqGS:SNY) Q3 2025 Earnings Call October 24, 2025 08:30 AM ET Company ParticipantsThomas Triomphe - Head of VaccinesThomas Kudsk Larsen - Head of Investor RelationsHouman Ashrafian - Head of R&DBrian Foard - Head of General MedicinesPaul Hudson - CEOFrançois-Xavier Roger - CFOConference Call ParticipantsSarita Kapila - AnalystSachin Jain - AnalystRichard Vosser - AnalystFlorent Cespedes - AnalystSteve Scala - AnalystDavid Risinger - AnalystPeter Verdult - AnalystMichael Leuchten - AnalystSeamus F ...

Financial Data and Key Metrics Changes - The company reported net income available to common shareholders of $20.1 million, or $0.99 per diluted share for Q3 2025, reflecting strong financial results [4] - Return on average assets (ROAA) was 132 basis points and return on average equity (ROAE) was 13.31%, both significantly up from previous periods [5] - Full-year 2025 guidance for ROAA has been revised to exceed 115 basis points, up from 110 basis points, and ROAE is now expected to be greater than 12%, up from 11.25% [5] Business Line Data and Key Metrics Changes - Loan growth was 1.2%, driven by commercial lending, while total deposits increased by 3.9% [4] - Total commercial loans reached approximately $3 billion, reflecting a 1.6% increase from the previous quarter and an 8.3% increase year-over-year [6] - Consumer indirect balances increased by 0.6% from the previous quarter but were down 4.1% year-over-year [8] Market Data and Key Metrics Changes - The company experienced strong commercial growth in upstate New York, particularly in the Syracuse region due to Micron Technologies' investment [8] - Residential lending showed modest growth, with mortgage and home equity applications up 12% and 11% year-over-year, respectively [9] Company Strategy and Development Direction - The company aims for profitable organic growth and anticipates raising profitability targets for 2026 [21] - The focus remains on maintaining a strong balance sheet and enhancing capital ratios, with tangible common equity (TCE) improving to 8.74% [20] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about maintaining momentum into 2026, driven by pent-up demand for credit and favorable economic conditions [8][21] - The company is tightening its expected range for full-year net interest margin to between 350 and 355 basis points, anticipating temporary margin pressure in Q4 [15] Other Important Information - Non-interest income was $12.1 million, up 13.6% from the previous quarter, with investment advisory revenue increasing [16] - Non-interest expense was $35.9 million, slightly up from the linked quarter, primarily due to higher claims activity in the self-funded medical plan [18] Q&A Session Summary Question: Outlook on margin and potential rate cuts - Management indicated that margin may see a modest impact from rate cuts but expects a recovery in 2026, with a starting point around 360 basis points [24][25] Question: Thoughts on share buyback - Management expressed satisfaction with the board's approval of the buyback, viewing it as a means to support shares and invest in the company [26] Question: Loan growth expectations for 2026 - Management is optimistic about achieving mid-single-digit growth rates in loans, based on recent performance and planning for 2026 [27]

First Financial Bancorp (NasdaqGS:FFBC) Q3 2025 Earnings Call October 24, 2025 08:30 AM ET Company ParticipantsBrendan Nosal - Director of Equity ResearchJon Arfstrom - Managing Director and Associate Director of U.S. ResearchArchie Brown - CEO and PresidentScott Crawley - Head of Investor RelationsDaniel Tamayo - VP in Equity ResearchBill Harrod - Chief Credit OfficerJamie Anderson - CFO and COOConference Call ParticipantsMark Shutley - Equity AnalystTerry McEvoy - Managing Director and Research AnalystOpe ...

Sanofi (NasdaqGS:SNY) Q3 2025 Earnings Call October 24, 2025 08:30 AM ET Company ParticipantsThomas Triomphe - Head of VaccinesThomas Kudsk Larsen - Head of Investor RelationsHouman Ashrafian - Head of R&DBrian Foard - Head of General MedicinesPaul Hudson - CEOFrançois-Xavier Roger - CFOConference Call ParticipantsSarita Kapila - AnalystSachin Jain - AnalystRichard Vosser - AnalystFlorent Cespedes - AnalystSteve Scala - AnalystDavid Risinger - AnalystPeter Verdult - AnalystMichael Leuchten - AnalystSeamus F ...

First Financial Bancorp (NasdaqGS:FFBC) Q3 2025 Earnings Call October 24, 2025 08:30 AM ET Company ParticipantsBrendan Nosal - Director of Equity ResearchJon Arfstrom - Managing Director and Associate Director of U.S. ResearchArchie Brown - CEO and PresidentScott Crawley - Head of Investor RelationsDaniel Tamayo - VP in Equity ResearchBill Harrod - Chief Credit OfficerJamie Anderson - CFO and COOConference Call ParticipantsMark Shutley - Equity AnalystTerry McEvoy - Managing Director and Research AnalystOpe ...

Financial Institutions (NasdaqGS:FISI) Q3 2025 Earnings Call October 24, 2025 08:30 AM ET Company ParticipantsMartin Birmingham - President, Director, and CEODamon DelMonte - Managing Director of Equity ResearchW. Jack Plants II - CFO and EVPKate Croft - Director of Investor RelationsOperatorHello everyone, and thank you for joining the Financial Institutions Inc third quarter 2025 earnings call. My name is Lucy, and I'll be coordinating your call today. During the presentation, you can register a question ...

Procter & Gamble (NYSE:PG) Q1 2026 Earnings Call October 24, 2025 08:30 AM ET Company ParticipantsNik Modi - Managing DirectorPeter Galbo - Director and Head of US Consumer Staples Equity ResearchLauren Lieberman - Managing DirectorKaumil Gajrawala - Managing Director of Beverage, Household Products and Halo StrategyAndre Schulten - CFOFilippo Falorni - Director of Equity ResearchRob Ottenstein - Senior Managing Director and PartnerPeter Graham - Corporate AdvisorAndrea Teixeira - Managing DirectorDara Mohs ...

Procter & Gamble (NYSE:PG) Q1 2026 Earnings Call October 24, 2025 08:30 AM ET Company ParticipantsNik Modi - Managing DirectorPeter Galbo - Director and Head of US Consumer Staples Equity ResearchLauren Lieberman - Managing DirectorKaumil Gajrawala - Managing Director of Beverage, Household Products and Halo StrategyAndre Schulten - CFOFilippo Falorni - Director of Equity ResearchRob Ottenstein - Senior Managing Director and PartnerPeter Graham - Corporate AdvisorAndrea Teixeira - Managing DirectorDara Mohs ...