Universal Logistics Holdings, Inc. (NASDAQ:ULH) Q1 2025 Earnings Conference Call April 25, 2025 10:00 AM ET Corporate Participants Tim Phillips - Chief Executive Officer Jude Beres - Chief Financial Officer Conference Call Participants Andrew Cox - Stifel Operator Hello and welcome to Universal Logistics Holdings First Quarter 2025 Earnings Conference Call. At this time all participants are in a listen-only mode. [Operator Instructions] A brief question-and-answer session will follow the formal presentation ...

AbbVie Inc. (NYSE:ABBV) Q1 2025 - Earnings Conference Call April 25, 2025 9:00 PM ET Company Participants Liz Shea - Senior VP, IR Rob Michael - CEO Jeff Stewart - EVP, Chief Commercial Officer Roopal Thakkar - EVP, R&D, Chief Scientific Officer Scott Reents - EVP, CFO Carrie Strom - SVP of AbbVie, and President of Global Allergan Aesthetics Conference Call Participants Chris Schott - JPMorgan Terence Flynn - Morgan Stanley Carter Gould - Cantor Courtney Breen - Bernstein Mohit Bansal - Wells Fargo Steve Sc ...

HCA Healthcare, Inc. (NYSE:HCA) Q1 2025 Earnings Conference Call April 25, 2025 10:00 AM ET Company Participants Frank Morgan - Vice President of Investor Relations Sam Hazen - Chief Executive Officer Mike Marks - Chief Financial Officer Conference Call Participants Ann Hynes - Mizuho Securities Pito Chickering - Deutsche Bank A.J. Rice - UBS Whit Mayo - Leerink Partners Ben Hendrix - RBC Capital Markets Sarah James - Cantor Fitzgerald Brian Tanquilut - Jefferies Andrew Mok - Barclays Capital Matthew Gillmo ...

PHINIA Inc. (NYSE:PHIN) Q1 2025 Earnings Conference Call April 25, 2025 8:30 AM ET Company Participants Kellen Ferris - Vice President of Investor Relations Brady Ericson - Chief Executive Officer Chris Gropp - Chief Financial Officer Conference Call Participants Jake Scholl - BNP Paribas Joseph Spak - UBS Bobby Brooks - Northland Capital Markets David Silver - C.L. King Federico Merendi - Bank of America Operator Ladies and gentlemen, thank you for standing by. My name is Christa, and I will be your confer ...

Financial Data and Key Metrics Changes - The company anticipates a $200 million incremental impact from tariffs in 2025 compared to initial guidance [11] - Advertising spending is at an all-time high, reflecting a strong focus on driving ROI [16] - The company delivered strong profit growth in Q1 despite market volatility [17] Business Line Data and Key Metrics Changes - The Hill's business saw a 5% organic growth, indicating strong performance across all price tiers [69] - The company is focused on core innovation, including the relaunch of Colgate Total and Hill's Science Diet with ActiveBiome technology [10][62] - The company experienced a negative 3% organic sales growth in Q1 [30] Market Data and Key Metrics Changes - In North America, there was a notable softness in volume due to lower store traffic and consumer uncertainty [129] - Latin America continues to show strong market share performance, with expectations of recovery as the macro environment stabilizes [56][132] - The Chinese market remains challenging, particularly for the Hawley and Hazel business, while Colgate continues to perform well [57] Company Strategy and Development Direction - The company is focused on selling daily use products and enhancing brand health to drive long-term sustainable growth [9][22] - There is a commitment to innovation and premiumization, with plans to accelerate innovation in the second half of the year [62][119] - The company aims to leverage its global portfolio and geographic breadth to mitigate risks associated with market volatility [14][15] Management's Comments on Operating Environment and Future Outlook - Management acknowledges a weaker consumer environment and expects continued volatility in 2025 [8][17] - There are early signs of category improvement in April, providing some confidence for the future [10][28] - The company anticipates that consumer confidence will return, leading to improved consumption in the medium term [80] Other Important Information - The company has invested approximately $2 billion in its U.S. supply chain over the past five years to enhance flexibility [12][104] - The company is focused on maintaining a strong balance sheet with low levels of net debt [16] Q&A Session Summary Question: Consumer pressures and category growth outlook - Management noted that while there was a slowdown in volume growth, early signs in April indicate potential stabilization and recovery in categories [28][30] Question: North America shipment and consumption trends - Management confirmed that shipments are pacing well with category improvements, although more work is needed in North America [35][36] Question: Pricing approach and tariff impacts - Management indicated that pricing improved sequentially and that they are taking a market-specific approach to offset tariff impacts [41][44] Question: Emerging markets performance - Management reported strong market share in Latin America and ongoing challenges in China, with expectations for gradual improvement [55][57] Question: Advertising spend and innovation plans - Management clarified that advertising spending remains strong and that innovation plans are on track, with a focus on stimulating consumption [60][62] Question: Hill's brand performance amid trading down - Management stated that there has been no trade down in the Hill's brand, which continues to perform well across all price tiers [69][70] Question: Tariff exposure and mitigation strategies - Management outlined strategies to mitigate tariff impacts through productivity, revenue growth management, and alternative sourcing [100][104] Question: Back half of the year expectations - Management expressed confidence in improved category growth rates and market share performance in the back half of the year [121][125]

Southern Missouri Bancorp, Inc. (NASDAQ:SMBC) Q3 2025 Results Conference Call April 22, 2025 8:30 AM ET Company Participants Stefan Chkautovich - Chief Financial Officer Matthew Funke - President & Chief Administrative Officer Greg Steffens - Chairman & Chief Executive Officer Conference Call Participants Andrew Liesch - Piper Sandler Matt Olney - Stephens Kelly Motta - KBW Operator Hello, everyone, and thank you for joining the Southern Missouri Bancorp Earnings Conference Call. My name is Sammy, and I'll ...

Financial Data and Key Metrics Changes - The company reported a return on tangible common equity (ROTCE) of 16.8%, an increase from 15.8% in the previous quarter, reflecting the benefits from the Flagstar acquisition [8] - Net income for the quarter was $88 million, which included $255 million in pretax operating earnings offset by an $82 million negative mark on mortgage servicing rights (MSR) [28][30] - The capital ratio stood at 25.5%, indicating a strong balance sheet, with liquidity increasing to $3.9 billion [10][35] Business Line Data and Key Metrics Changes - The servicing segment generated pretax income of $332 million, up 22% year over year, attributed to slower than expected conditional prepayment rates (CPR) and lower amortization [15] - Originations produced $53 million in earnings before tax (EBT), slightly above guidance, with strong volumes in the correspondent channel [20] - Home equity loans and cash-out refinances showed significant growth, with cash-outs making up 46% of volume, up from 39% in the previous quarter [22] Market Data and Key Metrics Changes - The total portfolio decreased slightly to $1.5 trillion, with over 6.4 million customers, while the subservicing portfolio grew organically by 2% quarter over quarter [18][19] - The company closed approximately $7 billion in bulk acquisitions, indicating strong activity in the correspondent channel [20] Company Strategy and Development Direction - The pending combination with Rocket aims to create a scaled homeownership experience, leveraging technology and AI to enhance customer experience [4][5] - The integration of Flagstar is on schedule, with onboarding of new customers and team members completed [11][16] - The focus on operational excellence and customer trust is emphasized as a key driver for long-term growth [14] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the future, highlighting the potential for growth in home equity loans and cash-out refinances regardless of interest rate fluctuations [13][22] - The company is well-positioned to manage potential adverse market conditions, with strong asset quality and low delinquency rates [32][34] Other Important Information - The company incurred $26 million in transaction and transition charges related to the Flagstar integration and an additional $33 million charge for legal fees [29] - The hedge gains amounted to $209 million, contributing to stable and predictable results [31] - The company does not expect to repurchase stock prior to the closing of the Rocket transaction, anticipated in the fourth quarter of 2025 [37] Summary of Q&A Session - No questions were taken during the call due to the pending combination with Rocket, as stated by management [3]

Centene Corporation (NYSE:CNC) Q1 2025 Earnings Conference Call April 25, 2025 8:30 AM ET Company Participants Jennifer Gilligan - Senior Vice President, Finance and Investor Relations Sarah London - Chief Executive Officer Andrew Asher - Executive Vice President and Chief Financial Officer Conference Call Participants Josh Raskin - Nefron Research A.J. Rice - UBS Justin Lake - Wolfe Research Ann Hynes - Mizuho Securities Stephen Baxter - Wells Fargo David Windley - Jefferies Sarah James - Cantor Fitzgerald ...

Eastman Chemical Company (NYSE:EMN) Q1 2025 Earnings Conference Call April 25, 2025 8:00 AM ET Company Participants Greg Riddle - IR Mark Costa - Board Chair & CEO William McLain - EVP & CFO Conference Call Participants Patrick Cunningham - Citigroup David Begleiter - Deutsche Bank Aleksey Yefremov - KeyCorp Vincent Andrews - Morgan Stanley Jeff Zekauskas - JPMorgan Kevin McCarthy - Vertical Research Partners Frank Mitsch - Fermium Research Michael Sison - Wells Fargo James Cannon - UBS Operator Good day, e ...

The Bancorp, Inc. (NASDAQ:TBBK) Q1 2025 Results Conference Call April 25, 2025 8:00 AM ET Company Participants Andres Viroslav - Director, IR Damian Kozlowski - CEO Martin Egan - Chief Financial & Accounting Officer Conference Call Participants Frank Schiraldi - Piper Sandler Tim Switzer - KBW Joe Yanchunis - Raymond James Operator Good afternoon, ladies and gentlemen. And welcome to The Bancorp, Inc. Q1 2025 earnings conference call. At this time, all lines are in listen-only mode. Following the presentati ...