Bank7(BSVN) - 2025 Q3 - Earnings Call Presentation
2025-10-15 14:00
Consistently ranked by S & P Global Market Intelligence as one of the Top Performing Community Banks in the United States | Q | Q | C | 3 | 2 | 0 | 2 | 5 | 2 | 2 | 0 | 2 | 5 | % | ha | ng | e | | | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | $ | $ | To | l a | ta | ts | 1, | 8 | 9 | 1, | 4 | 3 | 5 | 1, | 8 | 3 | 6, | 3 | 4 | 6 | 3. | 0 | % | ss | e | | | | | To | ...
Equity Bank(EQBK) - 2025 Q3 - Earnings Call Presentation
2025-10-15 14:00
Exhibit 99.2 2025 3rd Quarter Financial Results October 14, 2025 Forward Looking Statements This presentation contains "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements reflect the current views of the management of Equity Bancshares, Inc. ("Equity," "we," "us," "our," "the company") with respect to, among other things, future events, the expected benef ...
First Horizon(FHN) - 2025 Q3 - Earnings Call Presentation
2025-10-15 13:30
Financial Performance - The company's net interest income (FTE) was $678 million, a 7% increase compared to 3Q24's $631 million[9] - Fee income remained at $215 million, a 7% increase compared to 3Q24's $200 million[9] - Adjusted EPS was $051, a 13% increase from 2Q25's $045 and a 21% increase from 3Q24's $042[9, 11] - Adjusted ROTCE was 150%, a 135bps increase from 2Q25[11] - Adjusted PPNR was $351 million, up 4% from 2Q25[11] Balance Sheet and Capital - Period-end loans totaled $631 billion, slightly down from 2Q25[7, 29] - Period-end deposits totaled $655 billion, a slight decrease from 2Q25[7, 25] - CET1 ratio remained at 110%, in line with the near-term target[7, 11, 49] - Tangible book value per share (TBVPS) increased to $1394, a 3% increase from 2Q25's $1357[7, 9, 52] Asset Quality - Net charge-offs decreased to $26 million, or 017% of total loans, down from $34 million in 2Q25[11] - Provision credit was $5 million, down from a $30 million expense in 2Q25[11] - ACL to loans ratio decreased to 138%[44]
Morgan Stanley(MS) - 2025 Q3 - Earnings Call Presentation
2025-10-15 13:30
Third Quarter 2025 Earnings Results - Firm compensation expenses excluding DCP, which represents a non-GAAP financial measure, were: 3Q25: $7,142 million, 2Q25: $6,819 million, 3Q24: $6,457 million, 3Q25 YTD: $21,484 million, 3Q24 YTD: $19,309 million. - The End Notes are an integral part of this presentation. See pages 12 - 17 for Definition of U.S. GAAP to Non-GAAP Measures, Definitions of Performance Metrics and Terms, Supplemental Quantitative Details and Calculations, and Legal Notice. Consolidated Fin ...
Plumas Bancorp(PLBC) - 2025 Q3 - Earnings Call Presentation
2025-10-15 13:00
The statements contained herein that are not historical facts are forward-looking statements based on management's current expectations and beliefs concerning future developments and their potential effects on the Company. Such statements involve inherent risks and uncertainties, many of which are difficult to predict and are generally beyond our control. There can be no assurance that future developments affecting us will be the same as those anticipated by management. We caution readers that a number of i ...
ASML Holding(ASML) - 2025 Q3 - Earnings Call Presentation
2025-10-15 13:00
Financial Performance - ASML reported total net sales of €7.5 billion in Q3 2025[1] - The company's net income for Q3 2025 was €2.1 billion[1] - Gross margin for Q3 2025 was 51.6%[6] - Net system sales in Q3 2025 amounted to €5.6 billion[6] - Installed Base Management sales reached €2.0 billion in Q3 2025[6] - Net bookings for Q3 2025 were €5.4 billion, including €3.6 billion from EUV bookings[6] Outlook - ASML anticipates full-year 2025 total net sales growth of around 15% with a gross margin of approximately 52%[1] - Q4 2025 total net sales are expected to be between €9.2 billion and €9.8 billion[26] Market and Strategy - The semiconductor industry is projected to exceed $1 trillion in revenue by 2030, driven by AI adoption[4] - ASML sees an opportunity to achieve annual revenue between approximately €44 billion and €60 billion by 2030, with a gross margin between approximately 56% and 60%[4]
Abbott(ABT) - 2025 Q3 - Earnings Call Presentation
2025-10-15 13:00
THIRD-QUARTER 2025 RESULTS $5.4B MEDICAL DEVICES $1.5B ESTABLISHED $2.2B NUTRITION $5.12 to $5.183 REAFFIRMED FULL-YEAR GUIDANCE TOTAL COMPANY SALES $11.4B +7.5%1 Organic* sales growth for underlying base business** ADJUSTED DILUTED EPS $1.302 KEY BUSINESS UNITS ADJUSTED DILUTED EPS Narrowed range reflects double-digit growth at the midpoint 7.5% to 8.0%3 ORGANIC SALES GROWTH Excluding COVID-19 testing-related sales BUSINESS HIGHLIGHTS EXPANDING ALTERNATIVES TO OPEN-HEART SURGERY EXTENDING GLOBAL REACH OF S ...
Vontier (NYSE:VNT) Earnings Call Presentation
2025-10-15 13:00
Safe Harbor and Forward-Looking Statements This release contains forward-looking statements within the meaning of the federal securities laws. These statements include, but are not limited to statements regarding Vontier Corporation's (the "Company's") anticipated sales growth and anticipated adjusted net earnings per share, and any other statements identified by their use of words like "anticipate," "expect," "believe," "outlook," "guidance," or "will" or other words of similar meaning. There are a number ...
Citizens Financial (CFG) - 2025 Q3 - Earnings Call Presentation
2025-10-15 13:00
Financial Performance - Net income available to common stockholders was $457 million, a 14% increase QoQ and a 33% increase YoY[8] - Diluted earnings per share (EPS) reached $1.05, up 14% QoQ and 36% YoY[8] - Pre-provision profit (PPNR) increased by 9% QoQ and 20% YoY, reaching $783 million[8, 13] - Total revenue was $2.118 billion, up 4% QoQ and 11% YoY[8] - Net interest income (NII) was $1.488 billion, up 4% QoQ and 9% YoY[8] - Noninterest income was $630 million, up 5% QoQ and 18% YoY[8] Key Metrics - Net interest margin (NIM) increased by 5 bps QoQ to 3.00%[8] - Efficiency ratio improved by approximately 170 bps QoQ to 63.0%[8, 14] - Return on tangible common equity (ROTCE) was 11.7%, up 70 bps QoQ[8, 14] Balance Sheet and Capital - Average deposits increased by approximately $2 billion, or 1% QoQ, to $176 billion[8, 14] - Period-end loans increased by 1% QoQ[14] - Common Equity Tier 1 (CET1) ratio was 10.7%[14]
Bank of America(BAC) - 2025 Q3 - Earnings Call Presentation
2025-10-15 12:30
Bank of America 3Q25 Financial Results October 15, 2025 3Q25 Highlights | Balance Sheet Strength | Revenue Growth | Earnings Growth | | --- | --- | --- | | Deposits $2.0T1 | Revenue $28.1B4 | Net income $8.5B | | +4% YoY | +11% YoY | +23% YoY | | Loans $1.2T1 | Net interest income | EPS $1.065 | | +8% YoY | +9% YoY | +31% YoY | | CET1 11.6% | Sales & trading | Operating leverage6 | | well above reg. min.2 | +9% YoY | 5.6% | | Robust liquidity | IB fees | Efficiency ratio | | GLS $961B3 | +43% YoY | 62% | | ...