Waldencast (NasdaqCM:WALD) FY 2026 Annual General Meeting January 14, 2026 12:00 PM ET Speaker0Welcome to the annual meeting for Waldencast plc. Our host for today's call is Cristiano Sosa, director of the company. I will now turn the call over to your host, Mr. Sosa. You may begin, sir.Speaker1Thank you, Paul. Welcome, everybody. The time is now 5:00 P.M. I'd like to welcome you to the annual general meeting of Waldencast PLC, for those attending in person, as well as those shareholders who are listening e ...

Citigroup (NYSE:C) Q4 2025 Earnings call January 14, 2026 11:00 AM ET Company ParticipantsEbraham Poonawalla - Head Managing Director of American Banks ResearchGerard Cassidy - Managing DirectorJen Landis - Head of Investor RelationsMark Mason - CFOJane Fraser - CEOMike Mayo - Managing Director and Head of U.S. Large-Cap Bank ResearchConference Call ParticipantsJohn McDonald - Senior Equity AnalystSaul Martinez - Managing Director and Senior Equity AnalystJim Mitchell - Managing Director and Senior Equity A ...

Financial Data and Key Metrics Changes - The company reported an adjusted EPS of $1.81 and an adjusted ROTCE of 7.7% for Q4 2025, with full-year adjusted net income surpassing $16 billion, reflecting an 180 basis points improvement to 8.8% ROTCE [3][19] - Total revenues for the quarter were up 2%, with adjusted revenues increasing by 8% when excluding the notable item related to Russia [18][19] - Expenses increased by 6% to $13.8 billion, driven by higher compensation, tax charges, and technology expenses [18][22] Business Line Data and Key Metrics Changes - Services revenues increased by 15% in Q4, with net income of $2.2 billion and an ROTCE of 36.1% [26] - Markets revenues were down 1%, with fixed income and equities both experiencing slight declines, but overall, markets delivered a net income of $783 million [29] - Banking revenues surged by 78%, driven by corporate lending and investment banking, with M&A fees up 84% [30][31] - Wealth management revenues grew by 7%, with net income of $338 million and an ROTCE of 10.9% [33] Market Data and Key Metrics Changes - Cross-border transaction value increased by 14%, and assets under custody and administration grew by 24% [26] - The corporate lending wallet was noted to be over $100 billion, with expectations for continued share gains [76] Company Strategy and Development Direction - The company is focused on a multi-year transformation strategy, with over 80% of its programs nearing target states [10][56] - Investments in technology and innovation are prioritized to enhance operational efficiency and client experience [11][72] - The company aims to achieve a ROTCE target of 10%-11% and maintain positive operating leverage [14][38] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the global economic outlook, citing strong capital investment and a healthy consumer environment [12] - The company is well-positioned to support corporate clients, with a focus on maintaining high credit quality [12][24] - Management highlighted the importance of continued investment in the franchise to drive long-term growth [72] Other Important Information - The company repurchased over $13 billion in common shares during the year, with a CET1 ratio of 13.2%, significantly above regulatory requirements [9][25] - The company is nearing the end of its international divestitures, including the sale of its consumer business in Poland and operations in Russia [10] Q&A Session Summary Question: Markets performance and ROTCE - Inquiry about the flat revenues in markets and the relationship between allocated capital and ROTCE [48] - Response highlighted strong full-year performance in markets, with a focus on optimizing RWA and deploying it in high-return areas [50][51] Question: Efficiency ratio target - Clarification sought on the change in efficiency ratio target from below 60% to around 60% [52] - Response indicated that the adjustment allows for continued investment in the business while maintaining expense discipline [52] Question: Transformation progress - Inquiry about the remaining work in transformation and its relation to safety and soundness [55] - Management confirmed significant progress, with a focus on compliance, risk, controls, and data modernization [56][58] Question: Competitive positioning and investment banking - Question regarding the gap between Citi and best-in-class peers in investment banking [69] - Management acknowledged past investments and ongoing efforts to enhance capabilities and competitive positioning [70][72] Question: NII outlook - Inquiry about the improved NII outlook for 2026 [87] - Response indicated that higher loan and deposit volumes contributed to the positive outlook, with expectations for continued growth [88]

Citigroup (NYSE:C) Q4 2025 Earnings call January 14, 2026 11:00 AM ET Speaker0Hello, and welcome to Citi's Fourth Quarter 2025 earnings call. Today's call will be hosted by Jen Landis, Head of Citi Investor Relations. We ask that you please hold all questions until the completion of the formal remarks, at which time you will be given instructions for the question-and-answer session. Also, as a reminder, this conference is being recorded today. If you have any objections, please disconnect at this time. Ms. ...

Wells Fargo (NYSE:WFC) Q4 2025 Earnings call January 14, 2026 10:00 AM ET Company ParticipantsKen Usdin - Managing DirectorGerard Cassidy - Managing DirectorJohn Pancar - Senior managing director and senior research analystJohn Campbell - Head of Investor RelationsErika Najarian - senior equity research analyst and managing directorMike Santomassimo - CFOChristopher McGratty - Bank Research and Managing DirectorCharlie Scharf - CEOBetsy Graseck - Diversified Finance ResearchScott Siefers - managing director ...

Wells Fargo (NYSE:WFC) Q4 2025 Earnings call January 14, 2026 10:00 AM ET Company ParticipantsKen Usdin - Managing DirectorGerard Cassidy - Managing DirectorJohn Pancar - Senior managing director and senior research analystJohn Campbell - Head of Investor RelationsErika Najarian - senior equity research analyst and managing directorMike Santomassimo - CFOChristopher McGratty - Bank Research and Managing DirectorCharlie Scharf - CEOBetsy Graseck - Diversified Finance ResearchScott Siefers - managing director ...

Wells Fargo (NYSE:WFC) Q4 2025 Earnings call January 14, 2026 10:00 AM ET Speaker1Fargo's conference call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question-and-answer session. If you would like to ask a question during this time, simply press star one. If you would like to withdraw your question, press star two. Please note that today's call is being recorded. I would now like to turn the call over to John Campbell, Director of Investo ...

United Community Banks (NYSE:UCB) Q4 2025 Earnings call January 14, 2026 09:00 AM ET Company ParticipantsCatherine Mealor - Managing DirectorStephen Scouten - Managing DirectorDavid Bishop - Director in Research DepartmentMichael Rose - Managing Director of Equity ResearchRob Edwards - EVP and CROJefferson Harralson - CFORich Bradshaw - President and CBOLynn Harton - Chairman and CEOChristopher Marinac - Director of ResearchConference Call ParticipantsRussell Gunther - Managing Director and Senior Research ...

United Community Banks (NYSE:UCB) Q4 2025 Earnings call January 14, 2026 09:00 AM ET Company ParticipantsCatherine Mealor - Managing DirectorStephen Scouten - Managing DirectorDavid Bishop - Director in Research DepartmentMichael Rose - Managing Director of Equity ResearchRob Edwards - EVP and CROJefferson Harralson - CFORich Bradshaw - President and CBOLynn Harton - Chairman and CEOChristopher Marinac - Director of ResearchConference Call ParticipantsRussell Gunther - Managing Director and Senior Research ...

Rocky Mountain Chocolate Factory (NasdaqGM:RMCF) Q3 2026 Earnings call January 14, 2026 09:00 AM ET Company ParticipantsCarrie Cass - CFOJeffrey Geygan - Interim CEOPeter Sidoti - CEOConference Call ParticipantsDoug Garber - AnalystOperatorGood morning, ladies and gentlemen. Thank you for standing by. Welcome to today's conference call to discuss Rocky Mountain Chocolate Factory's financial results for the third quarter of 2026. At this time, all participants are in a listen-only mode. As a reminder, this c ...