Earnings Call Transcripts
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All Earnings Calls
Graco Inc. Q4 2025 Earnings Call - Record sales and cash fuel M&A and buybacks, while organic growth guide stays cautious
Graco closed 2025 with record sales, stronger margins and a fat cash flow print, yet management kept its tone measured for 2026. Q4 revenue rose 8% to $593 million, driven half by recent acquisitions ...
- Q4 sales were $593 million, up 8% year over year; acquisitions contributed 4%, currency 2%, organic sales 2%.
- Reported net earnings rose 22% to $133 million, or $0.79 per diluted share; adjusted non-GAAP EPS was $0.77, up 20%.
- Gross margin improved 80 basis points versus prior year, despite a tariff headwind of $4 million in Q4 (70 bps); tariffs totaled $14 million for the full year, reducing full-year margins by about 60 bps.
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FirstSun Capital Bancorp Fourth Quarter and Full Year 2025 Earnings Call - Strong Q4 NIM and Fee Growth Cushion Lumpy C&I Credit as Merger Integration Advances
FirstSun closed 2025 on a firm note, reporting adjusted net income of $26.9 million, adjusted diluted EPS of $0.95 and a standout net interest margin of 4.18%. Revenue momentum came from both net inte...
- Q4 adjusted net income of $26.9 million, adjusted diluted EPS $0.95, adjusted ROA 1.27.
- Net interest margin strengthened to 4.18% in Q4, marking 13 consecutive quarters above 4%.
- Revenue growth accelerated, up 10.8% annualized over Q3, driven by both NII and fee income.
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Community Financial System Q4 2025 Earnings Call - Record operating revenue and NII lift, ClearPoint deal expands durable fee franchise
Community Financial System closed 2025 with record operating revenues, a seventh straight quarter of net interest income expansion, and broad-based operating earnings gains across banking, insurance, ...
- Q4 operating revenues hit a record $215.6 million, operating EPS was $1.12, and operating PPNR per share was a record $1.58.
- GAAP EPS was $1.03 in Q4, up 9.6% year-over-year, but down 1 cent sequentially due to ~4 cents per share of Santander acquisition expenses.
- Net interest income was $133.4 million in Q4, up 11.2% year-over-year, marking the seventh consecutive quarter of NII expansion.
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Enterprise Financial Services Corporation Q4 2025 Earnings Call - Branch Buy Drove Double‑Digit Growth, Now Credit Cleanup Is The Near‑Term Test
Enterprise closed 2025 with an active quarter: an acquired branch footprint in Arizona and Kansas accelerated balance-sheet growth, lifting net interest income and keeping margin resilient even as cre...
- Q4 GAAP EPS $1.45, up from $1.19 in the linked quarter and $1.28 in Q4 2024, producing a 1.27% return on average assets and 1.74% pre‑provision return on assets for the quarter.
- Net interest income expanded to $168 million in Q4, a $10 million increase quarter‑over‑quarter, and net interest margin was 4.26% on a tax‑equivalent basis.
- Enterprise completed a branch acquisition in Arizona and Kansas, which contributed roughly $600 million of the quarter’s $1 billion deposit increase and added to loan and deposit balances and NII.
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"JetBlue Airways" Fourth Quarter 2025 Earnings Call - Jet Forward drives $310M incremental EBIT in 2026, guiding to break-even operating margin
JetBlue pitched 2025 as a year of operational recovery and the first full year of Jet Forward, which delivered $305 million of incremental EBIT in 2025 and sets the base for $310 million more in 2026....
- Jet Forward delivered $305 million of incremental EBIT in 2025, management expects an additional $310 million in 2026, for $615 million total in 2026.
- Company guides to break-even operating margin or better in 2026, based on 3.5 points ASM growth, 3.5 points unit revenue improvement, and roughly 1% to 3% CASM ex-fuel growth.
- Full-year 2026 RASM guidance is +2% to +5% with CASM ex-fuel +1% to +3%, fuel assumed at $2.27 per gallon for the year and $2.34 for Q1 at the midpoint.
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Boeing Company Fourth Quarter 2025 Earnings Call - Turning the Corner but Cash Recovery Hinges on Certifications, Rate Ramps, and Spirit Integration
Boeing closed 2025 with clear operational progress, record backlogs, and healthier top-line momentum, but the company’s recovery is conditional. The quarter delivered the highest revenue since 2018, 6...
- Boeing delivered operational progress in 2025: 600 commercial airplanes for the year, the most since 2018, and 160 airplanes in the fourth quarter.
- Record commercial backlog of $567 billion, representing over 6,100 airplanes, with 1,173 net commercial orders in 2025, underscoring strong demand for 737 and 787 families.
- Quarterly revenue was $23.9 billion, the highest quarterly total since 2018; full-year revenue rose 34% to $89.5 billion.
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"Northeast Bank" Q2 FY2026 Earnings Call - Record loan additions set up a near-term NII lift despite muted SBA fee income
Northeast Bank closed Q2 FY2026 with a heavy dose of growth, adding roughly $785m to $900m of loan volume during the quarter through a mix of purchases and originations that leave the balance sheet ma...
- Quarter highlight was record loan additions, roughly $533m of purchased loans (UPB ~$575m bought at ~92.6% of UPB) plus $252m of originations, leaving loans at ~$4.4bn and total assets at ~$4.95bn.
- Purchased loan portfolios had a weighted average yield to maturity of ~10.8%, purchased price around $533m, with much of the activity concentrated in NY and NJ and sourced largely from loan funds exiting bank portfolios.
- Originations hit a record $252m in the national lending division at a weighted average origination rate of ~7.6% and average loan size around $7.5m, LTVs just over 50%.
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Sysco Q2 FY2026 Earnings Call - Raised EPS to high end, betting on sales retention, AI and value assortment to power 2.5%+ local case growth
Sysco reported a beat in Q2 FY2026 and raised full-year adjusted EPS guidance to the high end of the prior $4.50-$4.60 range, pointing to operational fixes rather than a macro rebound. Revenue was rou...
- Sysco delivered nearly $21 billion of total revenue in Q2, up 3% year-over-year.
- Management raised FY2026 adjusted EPS guidance to the high end of the prior $4.50-$4.60 range, citing company-specific momentum.
- Q2 adjusted EPS grew 6.5% and free cash flow year-to-date was $413 million, up 25%.
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Applied Industrial Technologies Q2 Fiscal 2026 Earnings Call - LIFO Headwind Masks Improving Organic Demand and Strong Cash Generation
Applied reported a mixed quarter: modest organic sales growth of 2.2% but clear signs of demand firming into calendar 2026. The headline blemish was higher-than-expected LIFO expense, which knocked re...
- Reported consolidated sales rose 8.4% year-over-year, with acquisitions adding ~6.0 points and organic growth of 2.2%.
- LIFO expense hit roughly $6.9 million in Q2, above the $4–$5 million the company had modeled, versus $0.7 million in the prior-year quarter, creating a 54 basis point headwind to gross margin.
- Excluding LIFO, gross margin expanded to about 31.0%, up 34 basis points year-over-year, showing underlying margin resilience.
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Banco Popular Q4 2025 Earnings Call - Loan growth, margin expansion and capital returns lift net income 36% y/y
Banco Popular closed 2025 with a strong finish, reporting net income of $833 million, up 36% year over year, driven by $2.2 billion in loan growth, an 11% increase in net interest income, and margin e...
- Net income for 2025 was $833 million, a 36% increase versus 2024, driven by higher NII, loan growth and lower operating expenses.
- Full-year loan growth totaled $2.2 billion, up about 6% year over year, with commercial lending leading the gains; Q4 loan growth was $641 million.
- Net interest income rose 11% in 2025, with Q4 NII of $658 million; GAAP NIM expanded 10 basis points in Q4 to 3.61% (FTE 4.03%).
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