Earnings Call Transcripts
Access detailed transcripts and key takeaways from company earnings calls
All Earnings Calls
Netflix Q3 2025 Earnings Call - Record engagement and ad growth, one-off Brazilian tax dent
Netflix says the business is healthy, with Q3 revenue in line with expectations, record U.S. and U.K. TV share, and advertising momentum that more than doubled ad revenue in 2025. Management highlight...
- Management calls the business very healthy, with Q3 revenue in line with expectations and operating income that would have exceeded forecast absent the Brazilian tax matter.
- Netflix booked a one-time expense for Brazil’s Contribution for Intervention in Economic Domain, a 10% gross tax on certain outbound payments, after a Brazil Supreme Court decision broadened the tax’s scope.
- The Brazilian tax accrual covers 2022 through Q3 2025; roughly 20% of the booked amount relates to 2025. The company recorded the amount in cost of revenues because it is not an income tax.
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Preferred Bank Third Quarter 2025 Earnings Call - Record $2.84 EPS as OREO sale cleans up the balance sheet
Preferred Bank posted a clean, punchy quarter: record EPS of $2.84 and $35.9 million in net income, driven by higher net interest income, modest loan and deposit growth, and a material credit cleanup....
- Record EPS of $2.84 and net income of $35.9 million for Q3 2025.
- Nonperforming loans fell from $52 million to $17 million, largely because a $37 million loan was foreclosed and moved to OREO.
- The foreclosed OREO was sold in October, post quarter, producing a meaningful gain management expects to show in Q4.
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RBB Bancorp Q3 2025 Earnings Call - Credit Stabilizes, NIM Edges Up on Strong Originations
RBB delivered a tidy quarter of repair, not a full clean sweep. Net income rose to $10.1 million, or $0.59 per share, helped by continued loan growth, higher loan yields, and a sharply lower provision...
- Net income $10.1 million, $0.59 per diluted share, up 9% sequentially and 45% year over year.
- Net interest income $29.3 million, up for the fifth consecutive quarter; NII rose about $1.9 million linked quarter driven by $3.2 million higher interest income.
- Net interest margin expanded to 2.98%, up 6 basis points q/q and about 30 basis points over the last four quarters.
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"BOK Financial Corporation" Q3 2025 Earnings Call - Loan momentum, NIM expansion and mortgage finance ramp signal accelerating growth
BOK delivered a clean quarter, reporting $140.9 million in earnings, $2.22 EPS, with loans rising 2.4% sequentially and net interest margin expanding 11 basis points. Management leaned into a narrativ...
- Earnings and EPS: Q3 reported earnings $140.9 million, EPS $2.22.
- Loan growth: Total outstanding loans up 2.4% sequentially, adding nearly $1.2 billion across the past two quarters, with core CNI up 1.4% q/q.
- Mortgage finance ramp: Mortgage finance launched funding in Q3, about $70 million outstanding at quarter end, management targets ~$500 million in commitments by year-end with ~50% utilization, and expects significantly larger commitment levels in 2026.
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Home Bancorp Q3 2025 Earnings Call - NIM Expands to 4.1% as Loans Shrink, Deposits Surge; 2025 Loan Growth Cut to 1-2%
Home Bancorp posted a resilient quarter: net income rose to $12.4 million ($1.59 per share), driven by a sixth consecutive quarter of NIM expansion to 4.1% and improved operating efficiency below 60%....
- Net income $12.4 million, or $1.59 per share, up $0.14 QoQ and $0.41 YoY.
- Net interest margin expanded to 4.1%, the sixth consecutive quarterly increase; management expects NIM to hold steady or tick up a few basis points.
- Return on assets rose to 1.41% and the efficiency ratio improved to below 60%.
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PACCAR Q3 2025 Earnings Call - Section 232 clarity cuts tariff pain, sets stage for improved 2026
PACCAR delivered a solid third quarter, led by record Parts revenue and steady Financial Services results, but the quarter was defined by tariff noise. Revenue was $6.7 billion with net income of $590...
- Q3 results: PACCAR reported $6.7 billion in revenues and $590 million in net income for Q3 2025.
- PACCAR Parts hit a record quarterly revenue of $1.72 billion, with strong pre-tax income of $410 million and a gross margin of 29.5%; parts revenue grew 4% year over year.
- PACCAR Financial Services posted pre-tax income of $126 million, up about 18% versus last year, supported by premium used-truck pricing and 13 global used truck centers.
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Acme United Corporation Q3 2025 Earnings Call - First aid growth and U.S. reshoring blunt tariff shock, new Spill Magic plant coming Q1 2026
Acme United eked out a modest top line gain, powered by a 9% bump in first aid sales and strong e-commerce and refill revenues, while its Westcott cutting tools business suffered from canceled retail ...
- Revenue up 2% in Q3 to $49.1 million, and up slightly YTD to $149 million versus $148.5 million a year ago.
- Net income fell to $1.9 million, or $0.46 per diluted share, down from $2.2 million and $0.54, largely due to a higher effective tax rate this year (22% vs 8% prior-year Q3 tax benefit).
- First aid and medical products are the growth engine, rising 9% in the quarter and representing about two thirds of corporate revenues, driven by e-commerce and recurring refill demand.
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Steel Dynamics Third Quarter 2025 Earnings Call - Aluminum ramp becomes real as Sinton and record shipments prop up EBITDA
Steel Dynamics delivered a resilient quarter, posting record steel shipments and adjusted EBITDA of $664 million while simultaneously turning its long-telegraphed aluminum buildout into commercial rea...
- Record steel shipments of 3.6 million tons in Q3 supported revenue and cash flow; adjusted EBITDA was $664 million for the quarter.
- Sinton flat rolled mill hit key execution milestones, driving almost 20% sequential shipment improvement at that facility and contributing materially to the record shipments.
- Average scrap costs fell by $27 per ton while realized steel pricing declined by roughly $15 per ton, expanding metal spreads and helping margins.
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Lockheed Martin Q3 2025 Earnings Call - Record $179B Backlog, Demand Fuels Upgraded Guidance and Cash Surge
Lockheed reported a clean quarter: record backlog of $179 billion, multi year missile, helicopter and cruise missile awards, and the definitization of F-35 Lots 18 and 19 lifted near term visibility. ...
- Record backlog at $179.0 billion, driven by significant multi year awards and the F-35 Lot 18 and 19 definitization.
- Q3 sales $18.6 billion, up 9% year over year, and ~5% organic growth after adjusting for last year lot timing.
- Segment operating profit $2.0 billion in Q3, with segment margins of 10.9%.
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Peoples Bancorp Q3 2025 Earnings Call - Took $2.7M securities haircut to lift future yields, core NIM up for a fifth straight quarter
Peoples Bancorp reported Q3 2025 diluted EPS of $0.83, hit by a $2.7 million loss on the opportunistic sale of roughly $75 million of lower yielding securities, a move management said was designed to ...
- Diluted EPS of $0.83 for Q3 2025, reduced by about $0.06 per share from a $2.7 million loss on sales of roughly $75 million of lower yielding securities.
- Management sold $75 million of investment securities to boost portfolio yield, reinvested about half the proceeds into higher yielding securities, and used the remainder to pay down borrowings; investment portfolio fell to 20.5% of assets.
- Net interest income rose nearly $4.0 million quarter over quarter, net interest margin (NIM) expanded 1 basis point, and excluding accretion income core NIM expanded 5 basis points, marking the fifth straight quarter of core NIM expansion.
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