Horizon Bancorp (NasdaqGS:HBNC) Q4 2025 Earnings call January 22, 2026 08:30 AM ET Company ParticipantsTerry McEvoy - Managing DirectorJohn Stewart - EVP and CFOLynn M. Kerber - EVP and Chief Commercial Banking OfficerMark Secor - EVP and Chief Administration OfficerDamon DelMonte - Managing DirectorBrendan Nosal - DirectorThomas Prame - CEO and PresidentConference Call ParticipantsNathan Race - Managing Director and Senior Research AnalystBrian Martin - AnalystOperatorGood morning, everyone, and welcome to ...

Synovus Financial (NYSE:SNV) Q4 2025 Earnings call January 22, 2026 08:30 AM ET Company ParticipantsJohn Pancari - Senior Managing Director EquitiesJared Shaw - Managing DirectorChristopher Marinac - Director of ResearchEbrahim Poonawala - Managing Director and Head of North American Banks ResearchCatherine Mealor - Managing Director of Equity ResearchTerry Turner - ChairmanBen Gerlinger - VP Equity Research of Regional BanksAnthony Elian - Equity ResearchJennifer Demba - Senior Director and Head of Investo ...

The Procter & Gamble Company (NYSE:PG) Q2 2026 Earnings call January 22, 2026 08:30 AM ET Company ParticipantsAndre Schulten - CFOShailesh Jejurikar - CEOConference Call ParticipantsChris Carey - AnalystDara Mohsenian - AnalystKaumil Gajrawala - AnalystEdward Lewis - AnalystSteve Powers - AnalystOlivia Tong - AnalystRobert Moskow - AnalystRobert Ottenstein - AnalystBonnie Herzog - AnalystPeter Galbo - AnalystLauren Lieberman - AnalystAndrea Teixeira - AnalystFilippo Falorni - AnalystKevin Grundy - AnalystMi ...

Pinnacle Financial Partners (NasdaqGS:PNFP) Q4 2025 Earnings call January 22, 2026 08:30 AM ET Company ParticipantsTerry Turner - ChairmanJennifer Demba - Head of Investor RelationsKevin Blair - President and CEOJamie Gregory - CFOConference Call ParticipantsBernard von Gizycki - AnalystChristopher Marinac - AnalystDavid Chiaverini - AnalystJohn Pancari - AnalystCasey Haire - AnalystJohn McDonald - AnalystJared Shaw - AnalystMichael Rose - AnalystAnthony Elian - AnalystBen Gerlinger - AnalystEbrahim Poonawa ...

Synovus Financial (NYSE:SNV) Q4 2025 Earnings call January 22, 2026 08:30 AM ET Company ParticipantsJohn Pancari - Senior Managing Director EquitiesJared Shaw - Managing DirectorChristopher Marinac - Director of ResearchEbrahim Poonawala - Managing Director and Head of North American Banks ResearchCatherine Mealor - Managing Director of Equity ResearchTerry Turner - ChairmanBen Gerlinger - VP Equity Research of Regional BanksAnthony Elian - Equity ResearchJennifer Demba - Senior Director and Head of Investo ...

The Procter & Gamble Company (NYSE:PG) Q2 2026 Earnings call January 22, 2026 08:30 AM ET Company ParticipantsAndre Schulten - CFOShailesh Jejurikar - CEOConference Call ParticipantsChris Carey - AnalystDara Mohsenian - AnalystKaumil Gajrawala - AnalystEdward Lewis - AnalystSteve Powers - AnalystOlivia Tong - AnalystRobert Moskow - AnalystRobert Ottenstein - AnalystBonnie Herzog - AnalystPeter Galbo - AnalystLauren Lieberman - AnalystAndrea Teixeira - AnalystFilippo Falorni - AnalystKevin Grundy - AnalystMi ...

Horizon Bancorp (NasdaqGS:HBNC) Q4 2025 Earnings call January 22, 2026 08:30 AM ET Company ParticipantsTerry McEvoy - Managing DirectorJohn Stewart - EVP and CFOLynn M. Kerber - EVP and Chief Commercial Banking OfficerMark Secor - EVP and Chief Administration OfficerDamon DelMonte - Managing DirectorBrendan Nosal - DirectorThomas Prame - CEO and PresidentConference Call ParticipantsNathan Race - Managing Director and Senior Research AnalystBrian Martin - AnalystOperatorGood morning, everyone, and welcome to ...

The Procter & Gamble Company (NYSE:PG) Q2 2026 Earnings call January 22, 2026 08:30 AM ET Speaker0Good morning and welcome to Procter & Gamble's quarter-end conference call. Today's event is being recorded for replay. This discussion will include a number of forward-looking statements. If you will refer to P&G's most recent 10-K, 10-Q, and 8-K reports, you will see a discussion of factors that could cause the company's actual results to differ materially from these projections. As required by Regulation G, ...

SuperCom (NasdaqCM:SPCB) Conference January 22, 2026 08:30 AM ET Company ParticipantsOrdan Trabelsi - President and CEOConference Call ParticipantsBrendan McCarthy - Equity Research AnalystBrendan McCarthyOkay, welcome everybody, and thank you for joining us today at the Sidoti Microcap Conference. My name is Brendan McCarthy. I'm an analyst here with Sidoti, and I'm very pleased to welcome SuperCom, ticker SPCB. Joining us from the company is CEO Ordan Trabelsi. And before I hand it over, a quick reminder ...

Financial Data and Key Metrics Changes - Horizon Bancorp reported an annualized return on average assets above 1.6% and a return on average equity approaching 16% for Q4 2025, with a net interest margin of 4.29% [4][15] - Total loans increased to $4.9 billion, up $60.7 million from Q3 2025, with commercial loans growing by $76 million, representing 9% annualized growth [6][10] - The net charge-offs for Q4 were $1 million, representing an annualized charge-off rate of 6 basis points, with full-year net charge-offs totaling approximately $2.9 million [10][19] Business Line Data and Key Metrics Changes - Commercial relationship lending remains the lead strategy, with modest declines in consumer loans and residential mortgage loans primarily sold into the secondary market [6][8] - The commercial loan portfolio is diversified, with 28% in commercial and industrial and 72% in commercial real estate [6][7] - Residential mortgage lending volumes were flat, aligning with the strategy to create capacity for commercial lending activities [8] Market Data and Key Metrics Changes - Loan growth was primarily driven by markets in Michigan and Indiana, particularly in Troy, Kalamazoo, Lake County, and Metro Indianapolis [7][8] - The deposit portfolio showed strength, with non-interest-bearing balances up year-over-year, reflecting improved cost structure within interest-bearing segments [12][13] Company Strategy and Development Direction - The company aims to create sustainable long-term value for shareholders through a disciplined operating model and consistent profitable growth [5][20] - Horizon plans to leverage its community banking model and expand its branch network in attractive markets, with a focus on organic growth [41][60] Management's Comments on Operating Environment and Future Outlook - Management views the outlook for 2026 as slightly more favorable, with expectations for net interest income growth in the low teens [27][40] - The company anticipates mid-single-digit growth in loans and deposits, with a focus on organic deposit funding to support loan growth [20][21] Other Important Information - The net interest margin increased by 77 basis points to 4.29%, marking the ninth consecutive quarter of expansion [15][16] - The allowance for credit losses increased from $50.2 million to $51.3 million, representing 1.05% of loans held for investment [10][11] Q&A Session Summary Question: Outlook for 2026 and potential risks - Management views the outlook as slightly more favorable, with net interest income growth expected to be higher than previously estimated [27] Question: Loan growth and consumer loan performance - The company maintains a commercial banking model and does not plan to push for accelerated growth in consumer loans [30] Question: Asset quality and substandard loans - Substandard loans increased modestly, but overall metrics remain strong, with a decrease in substandard loans over the past year [32] Question: Margin drivers and loan pricing - New origination yields are above 6.5%, with cash flows from the portfolio below 6%, indicating a favorable margin environment [38][39] Question: Capital deployment priorities - The company will focus on organic growth opportunities while remaining disciplined in capital deployment decisions [41][42] Question: Fee income drivers for 2026 - Fee income growth is expected to be balanced across various segments, with no single area driving significant changes [50]