Deckers Outdoor (NYSE:DECK) Q2 2026 Earnings Call October 23, 2025 04:30 PM ET Speaker7Good afternoon, and thank you for standing by. Welcome to the Deckers Outdoor Corporation Second Quarter Fiscal 2026 earnings conference call. At this time, all participants are in a listen-only mode. Following the presentation, we will conduct a question-and-answer session. Instructions will be provided at that time for you to queue up for questions. If anyone has any difficulties hearing the conference call, please pres ...

Knowles (NYSE:KN) Q3 2025 Earnings Call October 23, 2025 04:30 PM ET Speaker0Thank you for standing by. My name is Eric, and I will be your conference operator today. At this time, I would like to welcome everyone to the Q3 twenty twenty five Knowles Corporation Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question and answer session.Thank you. I would now like to turn the call over to Sarah Cook. Please go ahead.S ...

Old Republic International (NYSE:ORI) Q3 2025 Earnings Call October 23, 2025 03:00 PM ET Company ParticipantsCarolyn Monroe - President and CEOGreg Peters - Managing DirectorJoe Calabrese - MWW RepresentativeFrank Sodaro - CFOCraig Smiddy - President and CEOConference Call ParticipantsPaul Newsome - Managing Director and Senior Research AnalystOperatorThank you for standing by. My name is Tina, and I will be your conference operator today. At this time, I would like to welcome everyone to the Old Republic I ...

West Bancorporation (NasdaqGS:WTBA) Q3 2025 Earnings Call October 23, 2025 03:00 PM ET Company ParticipantsDave Nelson - CEODavid Welch - Private Investor and PrincipalBrad Peters - Minnesota Group PresidentTodd Mather - Banking Manager and Chief Credit OfficerHarlee Olafson - Chief Risk OfficerJane Funk - CFOConference Call ParticipantsNathan Race - Managing Director and Senior Research AnalystOperatorLadies and gentlemen, thank you for standing by. My name is Colby, and I will be your conference operator ...

WesBanco (NasdaqGS:WSBC) Q3 2025 Earnings Call October 23, 2025 03:00 PM ET Company ParticipantsJeff Jackson - President and CEOJohn Iannone - SVP of Investor RelationsDan Weiss - Senior Executive VP and CFOConference Call ParticipantsKarl Shepard - AnalystDaniel Tamayo - AnalystCatherine Mealor - AnalystRussell Gunther - Equity Research AnalystDavid Bishop - Senior Equity Research AnalystOperatorGood day and welcome to WesBanco Inc.'s third quarter 2025 earnings conference call. All participants will be in ...

West Bancorporation (NasdaqGS:WTBA) Q3 2025 Earnings Call October 23, 2025 03:00 PM ET Company ParticipantsDave Nelson - CEODavid Welch - Private Investor and PrincipalBrad Peters - Minnesota Group PresidentTodd Mather - Banking Manager and Chief Credit OfficerHarlee Olafson - Chief Risk OfficerJane Funk - CFOConference Call ParticipantsNathan Race - Managing Director and Senior Research AnalystOperatorLadies and gentlemen, thank you for standing by. My name is Colby, and I will be your conference operator ...

WesBanco (NasdaqGS:WSBC) Q3 2025 Earnings Call October 23, 2025 03:00 PM ET Company ParticipantsJeff Jackson - President and CEOJohn Iannone - SVP of Investor RelationsDaniel Weiss - Senior Executive VP and CFOConference Call ParticipantsKarl Shepard - AnalystDaniel Tamayo - AnalystRussell Gunther - Equity Research AnalystDavid Bishop - Senior Equity Research AnalystCatherine Mealor - AnalystOperatorGood day and welcome to WesBanco Inc.'s third quarter 2025 earnings conference call. All participants will be ...

WesBanco (NasdaqGS:WSBC) Q3 2025 Earnings Call October 23, 2025 03:00 PM ET Speaker3Good day and welcome to WesBanco Inc.'s third quarter 2025 earnings conference call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star, then one on a touch-tone phone. To withdraw your question, please press st ...

WesBanco (NasdaqGS:WSBC) Q3 2025 Earnings Call October 23, 2025 03:00 PM ET Speaker0Good day, and welcome to WesBanco Inc. Third Quarter twenty twenty five Earnings Conference Call. All participants will be in listen only mode. After today's presentation, there will be an opportunity to ask questions. Please note that this event is being recorded.I would now like to turn the conference over to John Iannone, Senior Vice President of Investor Relations. Please go ahead.Speaker1Thank you. Good afternoon, and W ...

Financial Data and Key Metrics Changes - West Bancorporation Inc. reported a 16% earnings increase over the prior quarter and a 55% increase compared to the third quarter of the previous year [4] - Net income for the third quarter was $9.3 million, up from $8 million in the second quarter and $6 million in the same quarter last year [11] - The net interest margin improved by nine basis points compared to the previous quarter [11] - Loan yield increased to 5.66% from 5.59% in the second quarter and 5.52% in the first quarter of the year [12] - Core deposit balances decreased by approximately $82 million in the third quarter due to normal cash flow fluctuations [11] Business Line Data and Key Metrics Changes - Loan outstandings were slightly up at just over $3 billion, with a few larger payoffs from asset sales and refinance activity [7] - The commercial real estate portfolio remains well diversified and is performing as expected [6] Market Data and Key Metrics Changes - The Minnesota banking segment is experiencing a slowdown with manufacturing clients due to economic uncertainty, but new business opportunities are arising from M&A activity in the market [8] - The company is focusing on deposit-rich business banking opportunities and has successfully attracted new deposits from high-earning individuals [9] Company Strategy and Development Direction - The company is committed to maintaining strong credit quality and has no past dues or non-accrual loans [6] - There is a focus on organic growth and taking advantage of good loan opportunities, with no specific plans for capital deployment at this time [21] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining a positive growth pace despite a more selective approach to loan opportunities [16] - The company anticipates continued margin improvements due to fixed-rate loans repricing into higher yields [19] - The effective tax rate is expected to stabilize similar to the first half of the year after a lower rate in the third quarter [20] Other Important Information - A quarterly dividend of $0.25 per share was declared, payable on November 19, 2025 [5] Q&A Session Summary Question: Update on loan growth pipeline and market share in Minnesota - Management indicated that the pipeline is good but not as robust as in the past due to a more selective credit approach, expecting mid-single-digit growth going forward [16] Question: Funding growth outlook with deposit gathering - The objective is to fund growth through cash flows from the investment portfolio and deposit gathering, with potential short-term reliance on wholesale funding [17] Question: Margin tailwinds and deposit beta assumptions - There are still repricing opportunities in the fixed-rate loan portfolio, but deposit betas may not be as aggressive as in the past due to competitive pricing pressure [19] Question: Future tax rate expectations - The forward tax rate is expected to be similar to the first half of the year, with the third quarter being an anomaly [20] Question: Capital management and deployment priorities - No specific plans for capital deployment were mentioned, with a focus on organic growth and good loan opportunities [21]