Citizens Financial Group (NYSE:CFG) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsAunoy Banerjee - CFOEbrahim Poonawala - Head of North American Banks ResearchBruce Van Saun - Chairman and CEOKristin Silberberg - Head of Investor RelationsMatthew O'Connor - Managing DirectorRyan Nash - Managing Director of Equity ResearchBrendan Coughlin - PresidentConference Call ParticipantsNone - AnalystManan Gosalia - AnalystErika Najarian - Managing Director and Equity Research AnalystDavid Chi ...

Halliburton Company (NYSE:HAL) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsNeil Mehta - Managing DirectorJeff Miller - Chairman, President and CEOJames West - Managing DirectorEric Carre - EVP and CFODavid Coleman - SVP of Investor RelationsStephen Gengaro - Managing DirectorConference Call ParticipantsSaurabh Pant - Energy Equity Research AnalystJ. David Anderson - Senior Equity AnalystArun Jayaram - Research AnalystMarc Bianchi - Equity Research AnalystScott Gruber - Managing Di ...

Citizens Financial Group (NYSE:CFG) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsAunoy Banerjee - CFOChris McGratty - Managing DirectorGerard Cassidy - Managing DirectorMatt O'Connor - Managing DirectorEbrahim Poonawala - Head of North American Banks ResearchBruce Van Saun - Chairman and CEOKen Usdin - Managing DirectorKristin Silberberg - Head of Investor RelationsDon McCree - Chair of Commercial BankingRyan Nash - Managing Director of Equity ResearchBrendan Coughlin - PresidentCo ...

BankUnited (NYSE:BKU) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsJim Mackey - CFOJared Shaw - Managing DirectorMichael Rose - Managing Director of Equity ResearchRaj Singh - Chairman, President, and CEOWoody Lay - VPTom Cornish - COOJacqueline Bravo - Corporate SecretaryConference Call ParticipantsDavid Bishop - Director and Senior Equity Research AnalystJon Arfstrom - Equity Research AnalystOperatorGood day and welcome to the BankUnited's Susan Wright Greenfield 4th Quarter and ...

Dr. Reddy’s Laboratories (NYSE:RDY) Q3 2026 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsAishwarya Sitharam - Head of Investor RelationsVivek Agrawal - DirectorErez Israeli - CEOBino Pathiparampil - Head of Equity ResearchAbdul Qadir - Deputy ManagerSurya Patra - Senior VPM V Narasimham - CFOConference Call ParticipantsDamayanti Kerai - AnalystShashank Krishnakumar - Senior Research AnalystTushar Manudhane - Research AnalystForam Parekh - AnalystKunal Lakhan - Senior Research AnalystMadhav ...

Financial Data and Key Metrics Changes - The company reported a net interest margin (NIM) of 4.1% in Q4 2025, an increase of 22 basis points from the previous quarter [10] - Net interest income for Q4 was $85.3 million, up more than 10% quarter-over-quarter and nearly 20% year-over-year [11] - The diluted EPS for the quarter was $2.77, with non-core credits impacting earnings by approximately $0.30 per share [12] Business Line Data and Key Metrics Changes - The loan portfolio expanded by approximately $775 million in 2025, representing a growth of nearly 13% [3] - Total loan originations for the year reached approximately $1.9 billion [3] - In Q4, total loan originations and draws were approximately $599 million, with a weighted average coupon of 7.28% [8] Market Data and Key Metrics Changes - Deposits increased by roughly $1.4 billion, or about 23%, for the year [4] - In Q4, deposits grew by $304 million, or approximately 4.3% [9] - The cost of interest-bearing deposits declined by 43 basis points quarter-over-quarter [9] Company Strategy and Development Direction - The company aims to capture additional market share through traditional channels while enhancing long-term shareholder value [5] - New branches are planned in Florida and New Jersey to strengthen market presence [4] - The strategy includes managing asset quality, optimizing profitability, and expanding in New York and complementary markets [5] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the stability of asset quality, with no broad-based negative trends observed [4] - The company anticipates modest NIM expansion in 2026, with a forecasted annual NIM of about 4.10% [16] - The outlook for non-interest income suggests a growth assumption of 5%-10% [17] Other Important Information - The effective tax rate for the quarter was about 30% [15] - The company plans to host an Investor Day on March 3rd, 2026, to discuss further developments [19] Q&A Session Summary Question: Loan mix and C&I growth - Management indicated that core C&I growth is not expected to be substantial, with a focus on healthcare-related C&I [21][23] Question: Asset quality and NPAs - Management reported that two loans in the multifamily sector are expected to have little or no loss upon sale, with ongoing workouts for specific reserves [29][30] Question: CET1 ratio targets - The CET1 ratio is currently about 10.7%, with expectations to trend towards low nines as the balance sheet grows [31][32] Question: Digital transformation completion - The digital transformation is anticipated to be completed by President's Day weekend, with expenses expected to finalize at that time [37][39] Question: Demand deposit growth contributors - The largest contributors to demand deposit growth were municipal deposits and property managers, with a broad distribution across various sectors [42] Question: M&A opportunities - Management does not see significant value in current M&A opportunities and will focus on organic growth instead [44] Question: Team lift-out strategy - Management indicated that team lift-outs are unlikely, preferring to acquire talent within existing markets [47]

BankUnited (NYSE:BKU) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsJim Mackey - CFOJared Shaw - Managing DirectorMichael Rose - Managing Director of Equity ResearchRaj Singh - Chairman, President, and CEOWoody Lay - VPTom Cornish - COOJacqueline Bravo - Corporate SecretaryConference Call ParticipantsDavid Bishop - Director and Senior Equity Research AnalystJon Arfstrom - Equity Research AnalystOperatorGood day and welcome to the BankUnited Inc 4th Quarter and Fiscal Year 2025 Resul ...

Halliburton Company (NYSE:HAL) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsNeil Mehta - Managing DirectorJeff Miller - Chairman, President and CEOJames West - Managing DirectorEric Carre - EVP and CFODavid Coleman - SVP of Investor RelationsStephen Gengaro - Managing DirectorConference Call ParticipantsSaurabh Pant - Energy Equity Research AnalystJ. David Anderson - Senior Equity AnalystArun Jayaram - Research AnalystMarc Bianchi - Equity Research AnalystScott Gruber - Managing Di ...

Financial Data and Key Metrics Changes - The meeting discussed the election of directors, ratification of Ernst & Young as the independent registered public accounting firm for fiscal year 2026, and approval of executive compensation on an advisory basis [8][21] - A total of 55,791,582 shares of Class A common stock were outstanding as of the record date [4] Business Line Data and Key Metrics Changes - No specific business line data or key metrics were provided in the meeting [0] Market Data and Key Metrics Changes - No specific market data or key metrics were provided in the meeting [0] Company Strategy and Development Direction - The company aims to maintain good corporate governance practices by submitting the appointment of Ernst & Young for ratification, despite it not being required [13] - The company plans to increase the number of shares available under the Associate Stock Purchase Plan by 300,000 shares and extend the plan's term for an additional five years [17] Management Comments on Operating Environment and Future Outlook - Management did not provide specific comments on the operating environment or future outlook during this meeting [0] Other Important Information - The meeting was held virtually, allowing shareholders to vote online and submit questions [1][19] - The inspector of elections reported that a majority of votes were cast in favor of all proposals presented [21] Q&A Session Summary - There were no questions submitted by shareholders during the Q&A session [19][20]

Ally Financial (NYSE:ALLY) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Company ParticipantsRyan Nash - Managing DirectorRussell Hutchinson - CFOJeffrey Adelson - Executive DirectorMichael G. Rhodes - CEOSean Leary - Chief Financial Planning and Investor Relations OfficerConference Call ParticipantsMoshe Orenbuch - Managing Director and Senior AnalystSanjay Sakhrani - Managing Director and Senior AnalystRobert Wildhack - Director, Equity Research AnalystMark DeVries - Director, Senior Research Analyst ...