Financial Data and Key Metrics Changes - The company reported net income available to common shareholders of $1,300,000,000 or $1.04 per share, which included $0.02 per share of restructuring charges primarily related to severance [5][15] - Average loan balances increased by 2.5% linked quarter, with broad-based growth across wholesale and consumer segments [6][17] - Average deposit balances decreased by $3,900,000,000 or 1% linked quarter due to the withdrawal of large M&A related client deposits [18] - Adjusted non-interest income increased by 9.9% linked quarter to over $1,500,000,000, driven by strong investment banking and trading income [7][21] - The company maintained a strong capital position, returning $1,200,000,000 to shareholders through dividends and stock repurchases [9][26] Business Line Data and Key Metrics Changes - Consumer and small business banking saw net new checking account growth with over 20,000 new accounts added in the third quarter [10] - Average consumer and small business deposit balances increased modestly by 1.9% year over year, while average loan balances increased by 7% year over year [11] - In wholesale banking, average wholesale loans increased by 2.8% linked quarter and 4.8% year over year, driven by new client acquisition [13] - Wealth management reported a 27% year-to-date increase in assets under management from wholesale and premier clients [14] Market Data and Key Metrics Changes - Digital transactions rose by 7% year over year, with digital channels accounting for 40% of new clients, particularly among Gen Z and millennials [12] - The company experienced strong growth in treasury management revenue, which increased by 11% year over year [14] Company Strategy and Development Direction - The company announced a strategic investment to build 100 new insight-driven branches in high-growth markets and enhance digital capabilities [5] - The focus remains on deepening relationships with existing clients and attracting new clients through personalized, technology-enabled experiences [5][10] - The company aims to achieve a 15% return on tangible common equity (ROTCE) by 2027, with plans to increase share repurchases significantly in 2026 [9][30] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to accelerate growth and profitability, expecting revenue growth in 2026 to more than double compared to 2025 [29] - The outlook for net interest income is positive, with expectations for growth driven by loan growth and lower deposit costs [19][26] - Management emphasized a strong credit risk culture and proactive approach to managing asset quality, maintaining strong credit metrics [24][96] Other Important Information - The company plans to target approximately $750,000,000 in share repurchases during the fourth quarter [9][26] - The CET1 capital ratio remained stable at 11%, with an improvement in the CET1 ratio including AOCI by 10 basis points to 9.4% [16] Q&A Session Summary Question: Revenue growth expectations for 2026 - Management indicated that revenue growth in 2026 is expected to more than double compared to 2025, with both net interest income and fee income contributing positively [37][42] Question: Deposit pricing and growth momentum - Management expressed confidence in deposit pricing and growth momentum, anticipating improvements due to recent Fed rate cuts and strong client acquisition [50][55] Question: Credit quality perspective - Management stated that overall credit quality remains strong, with a focus on high-quality assets in both wholesale and consumer spaces [96][100] Question: Capital levels and buyback flexibility - Management confirmed flexibility in buybacks, indicating that the $750,000,000 target is a floor, with potential for increases based on market conditions [104][106] Question: Nonaccrual loans in C&I - Management addressed concerns regarding nonaccrual loans, clarifying that the increase is related to specific exposures but overall credit quality remains robust [114][96]

Financial Performance - The company's adjusted PPNR growth was the highest in over 2 years[8] - The reported EPS was $0.91, and the adjusted EPS was $0.93[9] - The reported ROA was 1.21%, and the adjusted ROA was 1.25%[9] - The reported ROE was 12.6%, and the adjusted ROE was 13.0%[9] - The reported ROTCE was 17.3%, and the adjusted ROTCE was 17.7%[9] Loan and Deposit Growth - Average consumer and commercial loans increased by 7% and 4% respectively compared to 3Q24[10] - Average deposits totaled $165 billion, with demand deposits accounting for 25%, interest checking 34%, money market and savings 33%, and time deposits 8%[32] - The company maintained CET1 above 10.5% while executing $300 million of share repurchases and raising the common dividend by 8%[10] Income Statement Analysis - Net interest income increased from $1.50 billion in 2Q25 to $1.525 billion in 3Q25[13] - Capital market fees increased by 28% quarter-over-quarter due to a strong rebound in loan syndications and M&A advisory revenue[14] - Wealth and asset management revenue increased by 11% year-over-year[15] - Mortgage banking net revenue increased by 16% year-over-year[15] - The adjusted efficiency ratio improved by 180 bps compared to 3Q24, reaching 54.1%[22] Credit Quality - The NCO ratio increased to 1.09%[36] - The ACL ratio as a % of portfolio loans and leases was 1.96%[36] Outlook - The company expects average loans & leases to be up 1% in 4Q25 compared to 3Q25[57] - The company expects noninterest income to be up 2-3% in 4Q25 compared to 3Q25[57]

Financial Highlights - Reported pre-provision net revenue (PPNR) of $375.9 million[4] - Net income applicable to common was $254.1 million[4] - Diluted earnings per share (EPS) reached $1.54[4] - Efficiency ratio stood at 45.8%[4] - Return on average assets (ROAA) was 1.27%[4] - Return on average tangible common equity (ROATCE) was 17.64%[4] Balance Sheet & Key Ratios - Total loans amounted to $55.052 billion, a 2.6% increase compared to the previous quarter[4, 6] - Total deposits reached $68.176 billion, up 2.8% quarter-over-quarter[4, 6] - Common Equity Tier 1 (CET1) ratio was 11.40%[4] - Tangible common equity (TCE) ratio was 7.50%[4] - Tangible book value per common share grew 3.7% to $36.42[4] Income Statement - Net interest income totaled $631.7 million, an increase of $10.5 million or 1.7% from the prior quarter[21, 27] - Non-interest income increased by $6.2 million quarter-over-quarter[21, 36] - Non-interest expense increased by $11.0 million compared to the previous quarter[21, 40] Loan & Deposit Portfolio - Total loan portfolio grew by $1.4 billion or 2.6% quarter-over-quarter[12, 14] - Total deposit portfolio increased by $1.9 billion or 2.8% quarter-over-quarter[18, 20]

Financial Data and Key Metrics Changes - The company reported record-breaking third-quarter sales of over $2.7 billion, a 6% increase year-over-year, driven by strong performance in Asia and South America [9][12] - Adjusted operating income increased by 14% to $271 million, with an adjusted operating margin of 10%, up 70 basis points from the previous year [9][16] - Earnings per share increased by 26% to $2.31, marking the ninth consecutive quarter of growth in adjusted earnings per share [17] - Operating cash flow was robust at $258 million, an increase of 46% compared to the previous year [19] Business Line Data and Key Metrics Changes - Sales growth was particularly strong in China, with a return to outperformance with Chinese OEMs, driven by recent product launches [4][12] - The company achieved a gross margin of 19.3%, an increase of 130 basis points year-over-year, primarily due to direct labor efficiency and headcount reductions [10][16] Market Data and Key Metrics Changes - Global light vehicle production increased by 4.6% in the third quarter, exceeding expectations, with strong growth for domestic OEMs in China [11][23] - Light vehicle production in North America showed resilience, while production in Western Europe and Japan declined by approximately 2% to 3% [11][23] - The company underperformed light vehicle production by 0.7% globally, attributed to a negative regional mix [12][13] Company Strategy and Development Direction - The company is focused on expanding its presence in China, investing in a second R&D center to strengthen partnerships with Chinese OEMs [6][7] - A strategic agreement with CATARC aims to define the next generation of safety standards in the automotive sector [7][8] - The company plans to form a joint venture with HSAE to develop advanced safety electronics, targeting high-growth areas [8] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving financial targets despite anticipated challenges in the fourth quarter, including lower light vehicle production and geopolitical issues [25][26] - The outlook for the global auto industry has improved, particularly for North America and China, with expectations of sustained growth in Chinese light vehicle production over the medium term [23][24] Other Important Information - The company has committed to stock repurchases of $300 to $500 million annually and increased its quarterly dividend to $0.85 per share [6][17] - The leverage ratio remains low at 1.3 times, below the target limit of 1.5 times, reflecting prudent financial management [22] Q&A Session Summary Question: Why isn't organic sales benefiting from the stronger production environment? - Management explained that adjustments for past quarters and a larger negative market mix impacted organic sales guidance [30][31] Question: Was there anything unusual in the strong margin for Q3? - Management confirmed that a $50 million supplier compensation was one-time and highlighted the importance of internal improvement efforts [32][33] Question: Should Q4 trends be extrapolated into 2026? - Management expressed confidence in reaching midterm targets and noted that Q4 is typically the strongest quarter of the year [36][39] Question: Can you dimensionalize the headwinds for Q4? - Management indicated that engineering income would be the largest headwind, followed by the absence of out-of-period inflation compensation and increased depreciation [44][45] Question: How is the company positioned in the Chinese market? - Management noted strong growth with Chinese OEMs and ongoing investments, including a new R&D center [52][53] Question: What is the outlook for the European market? - Management remains cautious about the European market, primarily due to demand uncertainties [54] Question: How does the company view supplier contract trends? - Management stated that they do not foresee major concerns regarding contract negotiations with OEMs [76][77] Question: What is the impact of the recent supply issues on European production? - Management indicated it is too early to comment on potential impacts but emphasized their preparedness to manage supply chain constraints [80]

Financial Performance - Huntington's adjusted Pre-Provision Net Revenue (PPNR) increased by 16% year-over-year to $891 million in 3Q25[20] - The company's Return on Tangible Common Equity (ROTCE) reached 178% GAAP and 174% adjusted[23,28] - Tangible book value per share grew by 10% year-over-year[23] - Adjusted earnings per share (EPS) stood at $040[28,96] Balance Sheet and Loan Growth - Average loans (ADB) experienced a 21% quarter-over-quarter growth and 92% year-over-year growth[28,33] - Average deposits (ADB) increased by 08% quarter-over-quarter and 53% year-over-year[28,41] - The net charge-off ratio was 022% and the allowance for credit losses (ACL) coverage was 186%[28] Noninterest Income - Adjusted noninterest income increased by 14% year-over-year to $606 million[60] - Commercial payment revenues grew by 20%[63] - Wealth management fee revenues increased by 12%[66] Capital and Credit Quality - The adjusted Common Equity Tier 1 (CET1) ratio increased by 30 basis points year-over-year[28] - The company is operating within a target adjusted CET1 operating range of 9-10%[87]

Financial Data and Key Metrics Changes - The company reported record-breaking third-quarter sales of approximately $2.7 billion, representing a 6% year-over-year increase, driven by strong performance in Asia and South America, along with favorable currency effects and tariff-related compensation [11][22][12] - Adjusted operating income increased by 14% to $271 million from $237 million last year, with an adjusted operating margin of 10%, which is 70 basis points better than the same quarter last year [12][23] - Earnings per share for the third quarter reached a record high, with a 26% increase year-over-year, primarily driven by higher operating income and a reduced share count [8][24] - Operating cash flow totaled $258 million, an increase of $81 million or 46% compared to the previous year [12][26] Business Line Data and Key Metrics Changes - Sales growth in China has returned to outperformance, driven by recent product launches, with sales to domestic OEMs growing by almost 23%, significantly outpacing light vehicle production growth [7][19] - The company achieved a gross margin of 19.3%, an increase of 130 basis points year-over-year, primarily due to direct labor efficiency and headcount reductions [13][23] Market Data and Key Metrics Changes - Global light vehicle production increased by 4.6% in the third quarter, exceeding expectations, with strong growth for domestic OEMs in China supported by government policies [14][15] - Light vehicle production in North America showed resilience, while production in Western Europe and Japan declined by approximately 2% to 3% [15][31] Company Strategy and Development Direction - The company is focusing on expanding its presence in China, investing in a second R&D center to strengthen partnerships with Chinese OEMs [9][10] - A joint venture with HSAE, a leading Chinese automotive electronics developer, aims to develop advanced safety electronics, enhancing the company's competitive position in high-growth areas [11][10] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to navigate trade volatility and regional dynamics, with an improved outlook for global light vehicle production, particularly in North America and China [31][32] - Despite expected challenges in 2025, the company anticipates higher sales and continued outperformance, especially in China, while acknowledging potential headwinds from inflation compensation and increased depreciation costs [35][36] Other Important Information - The company plans to repurchase shares worth $300 million to $500 million annually and has increased its quarterly dividend to $0.85 per share, reflecting confidence in financial strength [9][24] - The leverage ratio remains low at 1.3 times, below the target limit of 1.5 times, indicating prudent financial management [30] Q&A Session Summary Question: Why isn't organic sales benefiting from the stronger production environment? - Management explained that adjustments for past quarters and a larger negative market mix impacted organic sales guidance, along with delays in new launches in China [42][44] Question: Was there anything unusual in the strong margin for Q3? - Management confirmed that a $50 million supplier compensation was a one-time benefit, contributing to the strong margin alongside higher-than-expected sales [45][46] Question: How should Q4 trends be viewed for 2026? - Management expressed confidence in reaching midterm targets, noting that Q4 is typically the strongest quarter, but current trends should not be extrapolated directly into 2026 [50][52] Question: What are the expected headwinds for Q4? - Management identified lower engineering income, reduced inflation compensation, and increased depreciation as the main headwinds for Q4 [61][63] Question: How is the company positioned in the Chinese market? - Management highlighted strong growth with domestic OEMs, despite some negative impacts from global customers, and expressed optimism about future performance in China [116][117]

Financial Data and Key Metrics Changes - The company reported net income available to common shareholders of $1.3 billion, or $1.04 per share, which included $0.02 per share of restructuring charges primarily related to severance [4][12] - Adjusted revenue increased by 3.7% late in the quarter, driven by a 9.9% growth in non-interest income and a 1.2% growth in net interest income [12][22] - Average loan balances increased by 2.5%, while average deposit balances decreased by $3.9 billion sequentially, or 1% [5][14] - The company returned $1.2 billion of capital to shareholders through dividends and stock repurchases, with plans to target approximately $750 million in share repurchases during the fourth quarter [7][22] Business Line Data and Key Metrics Changes - Consumer and small business banking saw net new checking account growth with over 20,000 new accounts added, and average loan balances increased by 2% late in the quarter [9][10] - Wholesale loans increased by 2.8% late in the quarter, driven by growth from new and existing clients [10][11] - Wealth management income increased by 7.5% late in the quarter due to higher market values and positive net asset flows [18] Market Data and Key Metrics Changes - Digital transactions rose by 7% year over year, with digital channels accounting for 40% of new clients, particularly among Gen Z and Millennials [10] - The company experienced broad-based growth across industry banking verticals, with significant increases in loan and deposit production per banker [11] Company Strategy and Development Direction - The company announced a strategic investment to build 100 new branches in high-growth markets and enhance digital capabilities [3][4] - The focus remains on deepening relationships with existing clients and attracting new clients through technology-enabled experiences [4][26] - The company aims to achieve a 15% ROTCE by 2027, reflecting confidence in long-term earnings power and strategic direction [24][26] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the ability to reach a 15% ROTCE by 2027, with expectations for revenue growth in 2026 to more than double compared to 2025 [24][26] - The company anticipates continued loan growth and improved client deposit growth in the fourth quarter and into 2026 [14][22] Other Important Information - The company maintained strong asset quality metrics, with net charge-offs declining both on a late quarter and year-over-year basis [7][19] - The CET1 capital ratio remained stable at 11%, with an improved CET1 ratio including AOCI at 9.4% [12] Q&A Session Summary Question: Revenue growth expectations for 2026 - Management indicated that revenue growth is expected to more than double in 2026 compared to 2025, with both net interest income and fee income contributing to this growth [32][34] Question: Deposit pricing outlook with Fed rate cuts - Management expressed optimism about deposit pricing and growth momentum, anticipating improvements in interest-bearing deposit beta due to recent Fed rate cuts [38][40] Question: Credit quality perspective - Management stated that overall credit quality remains strong, with a focus on high-quality assets in both wholesale and consumer spaces [70][73] Question: Capital levels and buyback flexibility - Management confirmed flexibility in buybacks, with a target of $750 million for the fourth quarter, while maintaining a conservative capital structure [78] Question: Non-accrual loans and First Brands exposure - Management acknowledged that the increase in non-accrual loans includes exposure to First Brands, which has been accounted for in the forward guidance [87][90]

Nasdaq SFNC 3 rd Quarter 2025 Earnings Presentation October 16, 2025 Company Overview $24.2 BILLION TOTAL ASSETS $19.8 BILLION TOTAL DEPOSITS $9.3 BILLION ASSETS UNDER MANAGEMENT/ ADMINISTRATION $17.2 BILLION TOTAL LOANS 15.07% TOTAL RBC RATIO 8.53% TCE RATIO1 4.6% DIVIDEND YIELD2 87% LOAN TO DEPOSIT RATIO 1.50% ACL TO TOTAL LOANS 168% NPL COVERAGE RATIO Simmons First National Corporation A Mid-South based financial holding company serving our customers and the communities where we work and live since 1903 ...

Financial Performance - Revenue increased by 11% to $18426 million in Q3'25 compared to $16636 million in Q3'24[9] - EPS increased by 19% to $414 in Q3'25 compared to $349 in Q3'24[9] - Net card fees increased by 18% to $2551 million versus Q3'24, driven by growth in premium card portfolios[40, 81] - The company is raising FY2025 guidance to 9-10% revenue growth and EPS of $1520 - $1550[4] Billed Business Growth - Total billed business increased by 8% FX-adjusted in Q3'25[11] - U S Consumer Services billed business increased by 9% year-over-year in Q3'25[14] - International Card Services billed business increased by 13% year-over-year in Q3'25[19] Customer Acquisition and Engagement - Proprietary new cards acquired reached 32 million in Q3'25[24] - 72% of global new accounts acquired were on fee-paying products[24] - American Express cards are accepted at an estimated 160 million merchant locations worldwide, a nearly 5x increase since 2017[4] Credit Metrics - Reserves as a % of total loans & CM receivables is 29%[38] - 30+ Days Past Due is 13% of Card Member Loans and Receivables[33]

F.N.B. Corporation Earnings Presentation Third Quarter 2025 October 17, 2025 Cautionary Statement Regarding Forward-Looking Information This document contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are those that do not relate to historical facts and that are based on current assumptions, beliefs, estimates, expectations and projections, many of which, by their nature, are inherently uncertain and beyond our control ...