Earnings call record财报电话会记录

Source-first earnings records.来源优先的财报记录。

A live archive of receipt-bound excerpts from company earnings calls. No generated thesis, no recommendation — just the recorded language, its source coordinates, and a direct path into the ticker dossier or live Terminal.来自公司财报电话会的可追溯摘录档案。没有生成式投资结论，也没有推荐——只有原始表述、来源坐标，以及进入个股档案或实时终端的直接入口。

Start free in Terminal免费开始使用终端
6702 admitted call records 份准入电话会记录 31809 ingested packets 份已摄取数据包 25107 held by evidence policy 份因证据策略暂缓 3196 tickers 个代码 0 model calls in this publication 次模型调用 RSS
Weekly intelligence每周情报

See the pattern across calls.查看跨电话会的模式。

649 verified call records份已核验电话会记录 · 7788 exact facts条精确事实 · 2026-10-26 → 2026-11-01

Open this week’s evidence brief打开本周证据简报q and a
Directory目录

Currently admissible records当前符合准入条件的记录

Browse the full archive page by page. Search on this page by ticker, period, category, or speaker; every card preview is a verbatim call excerpt.分页浏览完整档案。在本页按代码、期间、分类或发言人搜索；每张卡片预览均为电话会原文摘录。

Showing records 673–768 of 6702.显示第 673–768 条，共 6702 条。

FCNCN2026-10-23

FCNCN · Q3 FY2026 call record电话会记录

performanceq and acapital allocation
“While we expect a similar quarterly baseline in 2027, the absolute volume of repurchases will remain flexible each quarter.”
Craig Nix12 receipted excerpts条可追溯摘录
EAF2026-10-23

GrafTech International Ltd · Q3 FY2026 call record电话会记录

demandq and aperformance
“Importantly, year-to-date sales volume increased approximately 7% compared to the first nine months of 2025, keeping us on track to achieve our full-year expectation for sales volume growth between 5% and 10%.”
Rory O'Donnell12 receipted excerpts条可追溯摘录
AXP2026-10-23

American Express · Q3 FY2026 call record电话会记录

performanceq and aguidance
“Given our strong performance year to date, we are reaffirming our revenue growth guidance of 10% and raising our EPS guidance to between $18.30 and $18.60 on a reported basis, or between $17.60 and $17.90 on an adjusted basis.”
Steve Squeri12 receipted excerpts条可追溯摘录
ASR2026-10-23

ASR · Q3 FY2026 call record电话会记录

capital allocationq and aperformance
“In Puerto Rico, traffic declined slightly over 3% due to continued impact from the bankruptcy of Spirit Airlines early May and softness in both domestic and international demand.”
Adolfo Castro12 receipted excerpts条可追溯摘录
AMTB2026-10-23

Amerant Bancorp Inc · Q3 FY2026 call record电话会记录

performanceq and ademand
“Although the interest rate environment will place upward pressure on our cost of funds, we expect the repricing of the variable rate loan portfolio, our deposit repricing discipline, and the continued growth in lower cost deposits to provide more than an offset.”
Sharymar Calderón12 receipted excerpts条可追溯摘录
ALV2026-10-23

Autoliv · Q3 FY2026 call record电话会记录

capital allocationq and aguidance
“Following the first nine months of the year and continued raw material headwinds and higher logistic costs, we have narrowed down our adjusted operating margin guidance to be around 10.5%, which is at the low end of the range of around 10.5%-11%.”
Mikael Bratt12 receipted excerpts条可追溯摘录
ABCB2026-10-23

Ameris Bancorp · Q3 FY2026 call record电话会记录

performancemarginsmanagement commitments
“Is there an absolute level of rates where demand destruction occurs and that general target of mid-single digit growth becomes at risk?”
Russell Gunther12 receipted excerpts条可追溯摘录
WSBCO2026-10-22

WSBCO · Q3 FY2026 call record电话会记录

marginsperformanceguidance
“With the third quarter loan growth funded with a heavier mix of higher cost wholesale borrowings, we anticipate our net interest margin for the fourth quarter to potentially be 1 basis point or 2 basis points below the 360 basis points that we reported here in the third quarter.”
Dan Weiss12 receipted excerpts条可追溯摘录
WSBC2026-10-22

WESBANCO INC · Q3 FY2026 call record电话会记录

marginsperformanceguidance
“With the third quarter loan growth funded with a heavier mix of higher cost wholesale borrowings, we anticipate our net interest margin for the fourth quarter to potentially be 1 basis point or 2 basis points below the 360 basis points that we reported here in the third quarter.”
Dan Weiss12 receipted excerpts条可追溯摘录
WH2026-10-22

Wyndham Hotels & Resorts · Q3 FY2026 call record电话会记录

segment changesperformancedemand
“We have narrowed our outlook for net room growth from 4%-4.5%, excluding Revo, to approximately 4%, reflecting the termination of substandard quality rooms and accelerating mix shift of our portfolio towards higher value opportunities.”
Amit Sripathi12 receipted excerpts条可追溯摘录
WDC2026-10-22

Western Digital · Q1 FY2027 call record电话会记录

performancemarginsq and a
“I think in terms of visibility outlook, if you take our top seven customers as an example, we have good visibility up to 2030, 2031, for across all seven of them, and that's something that we've highlighted that we've always really much appreciated so we can make sure we deliver both the technology and the supply to meet that growth and demand going forward.”
Irving Tan12 receipted excerpts条可追溯摘录
WCN2026-10-22

WASTE CONNECTION · Q3 FY2026 call record电话会记录

performancedemandq and a
“Given our outperformance in Q3, along with higher fuel costs and expected recovery thereof, as well as incremental contributions from acquisitions and commodities, we are increasing our full-year 2026 outlook as reconciled in our earnings release to revenue of approximately $10.09 billion and adjusted EBITDA of approximately $3.345 billion or 33.2%.”
Mary Anne Whitney12 receipted excerpts条可追溯摘录
VRSN2026-10-22

Verisign · Q3 FY2026 call record电话会记录

performanceriskscapital allocation
“With the trends we've observed in the first three quarters of 2026 and our expectations for the rest of the year, we're increasing and narrowing our guidance for domain name base growth to be between 6.5% and 7% for 2026.”
Jim Bidzos12 receipted excerpts条可追溯摘录
VLY2026-10-22

Valley Bank · Q3 FY2026 call record电话会记录

guidanceperformancecapital allocation
“Through technology modernization, consistent organic growth, and targeted strategic acquisitions, we transformed Valley into a geographically diverse $57 billion regional bank by the end of 2022.”
Ira Robbins12 receipted excerpts条可追溯摘录
VC2026-10-22

Visteon · Q3 FY2026 call record电话会记录

performancedemandrisks
“Customer-weighted vehicle production declined approximately 5 percentage points during the quarter, yet our sales grew 6% year-over-year to $970 million, resulting in approximately 10 percentage points of market outperformance, excluding the impact of memory recoveries and pricing.”
Sachin Lawande12 receipted excerpts条可追溯摘录
URI2026-10-22

United Rentals · Q3 FY2026 call record电话会记录

marginsdemandcapital allocation
“On the fleet side, driven by strong customer demand, we've increased our gross CapEx guidance by $300 million to a range of $5.2 billion-$5.5 billion.”
Ted Grace12 receipted excerpts条可追溯摘录
TTMI2026-10-22

TTM Technologies · Q3 FY2026 call record电话会记录

guidanceperformanceq and a
“Sales for consolidated TTM grew 60% year-on-year, reflecting demand strength in our Data Center & Networking end markets driven by AI, while our medical, industrial, and instrumentation sales almost doubled from a year ago.”
Edwin Roks12 receipted excerpts条可追溯摘录
TSCO2026-10-22

Tractor Supply · Q3 FY2026 call record电话会记录

performanceq and ademand
“Digital sales increased approximately 16% in the quarter, with growth in both traffic and conversion, and we continue to expand delivery and final mile capabilities, making it easier for customers to shop whenever and however they choose.”
Hal Lawton12 receipted excerpts条可追溯摘录
TRST2026-10-22

TrustCo Bank Corp NY · Q3 FY2026 call record电话会记录

risksperformancecapital allocation
“The growth was centered in our residential loan portfolio, with our first mortgage segment growing by $177.3 million or 4%, and our home equity loans growing $50 million or 11.4% over last year.”
Kevin Curley12 receipted excerpts条可追溯摘录
THRM2026-10-22

Gentherm Incorporated · Q3 FY2026 call record电话会记录

performancecapital allocationq and a
“I would say based on awards to date with the OEMs, and it is a different model, obviously, than light vehicles, Justin, we have very strong visibility to $30 million in annualized revenue by 2028 with a pipeline that supports the $100 million target that we have been putting out there.”
Jon Douyard12 receipted excerpts条可追溯摘录
TCBX2026-10-22

THIRD COAST BANC · Q3 FY2026 call record电话会记录

performanceq and amargins
“Not trying to pin you down here, John, but as we think about the fourth quarter and the dynamics that you just laid out, the 4 basis points you talked about earlier, the growth that you just mentioned, the NIB mix moving higher, how should we think is a starting point for the fourth quarter in the context that the margin increased through the third quarter?”
Michael Rose12 receipted excerpts条可追溯摘录
SSNC2026-10-22

SS&C TECHNOLOGIE · Q3 FY2026 call record电话会记录

marginsq and acapital allocation
“We are now targeting EBITDA growth of 10%, EBITDA margin expansion of 90 basis points for the year, and exiting the year with 41% EBITDA margins.”
Brian Schell12 receipted excerpts条可追溯摘录
SSB2026-10-22

South State Bank · Q3 FY2026 call record电话会记录

performanceq and aguidance
“We've enjoyed more recruiting success than we expected, so that component will be higher than the 1% impact, but we should basically be in line with the approximate 4% increase guidance we gave for the year.”
Will Matthews12 receipted excerpts条可追溯摘录
SON2026-10-22

Sonoco · Q3 FY2026 call record电话会记录

performancesegment changesmargins
“Consumer sales were down 3% year-over-year, including a 1% foreign exchange impact, primarily from euro movements, along with softer global metal food can volume.”
Paul Joachimczyk12 receipted excerpts条可追溯摘录
SNA2026-10-22

Snap-on · Q3 FY2026 call record电话会记录

marginsdemandrisks
“Gross margin improved 60 basis points to 41.5% in the quarter from 40.9% last year, mostly due to the increased sales and savings from the segment's RCI initiatives.”
Aldo Pagliari12 receipted excerpts条可追溯摘录
SLM2026-10-22

SLM Corp · Q3 FY2026 call record电话会记录

performancedemandq and a
“We believe that stronger than normal volume will continue into the fourth quarter, and that by year-end, our full-year originations will be in line with our guidance of 12%-14% growth.”
Jon Witter12 receipted excerpts条可追溯摘录
SLG2026-10-22

SL Green Realty · Q3 FY2026 call record电话会记录

performancedemandcapital allocation
“First up, Matt, on the I realize we have to wait for guidance, but as we think about that $0.25 and as we think about capitalized interest, the two things that are tough to model, one is, capitalized interest impact that converts to expense interest in 2027, and two, in that $0.25 interest rate headwind that you discussed, how much of that is fee income versus just the refinancing we can model, but it's the fee income that can be tricky for us.”
Alexander Goldfarb12 receipted excerpts条可追溯摘录
SAM2026-10-22

Boston Beer Co Inc · Q3 FY2026 call record电话会记录

demandriskssegment changes
“Non-GAAP operating profit declined 6% year over year as strong gross margin performance and disciplined advertising spend were offset by lower volumes and freight rate inflation of over 50% year over year.”
Matt Murphy12 receipted excerpts条可追溯摘录
RS2026-10-22

Reliance, Inc. · Q3 FY2026 call record电话会记录

guidanceperformancedemand
“With respect to LIFO outlook and true-up, we increased our full-year LIFO expense outlook to $450 million from our prior year estimate of $300 million and recorded third-quarter LIFO expense of $187.5 million, well above our estimate of $75 million, reflecting the year-to-date catch-up impact of our higher full-year LIFO estimate.”
Arthur Ajemyan12 receipted excerpts条可追溯摘录
ROP2026-10-22

Roper Technologies · Q3 FY2026 call record电话会记录

guidanceperformancedemand
“For the year, we expect free cash flow to be 30% or more of revenue, and with our share repurchase activity, free cash flow per share is expected to grow in the double digits area.”
Jason Conley12 receipted excerpts条可追溯摘录
ROL2026-10-22

Rollins, Inc. · Q3 FY2026 call record电话会记录

demandcapital allocationrisks
“Our adjusted incremental EBITDA margin was -2.8%, normalizing for the benefit we saw in insurance and claims in the third quarter of last year and the unfavorable impacts this quarter, the company's incremental margin would have exceeded 25%.”
Will Harkins12 receipted excerpts条可追溯摘录
RNG2026-10-22

RingCentral, Inc. · Q3 FY2026 call record电话会记录

performancecapital allocationsegment changes
“For Q4 2026, we expect subscription revenue of approximately $653 million to $659 million, total revenue of approximately $673 million to $680 million, GAAP operating margin of 13.3%-14.7%, up 740 basis points, non-GAAP operating margin of 25%-25.5%, up 250 basis points, non-GAAP EPS of $1.32 to $1.37, up 14%, fully diluted share count of approximately 89 million shares.”
Vaibhav Agarwal12 receipted excerpts条可追溯摘录
RHI2026-10-22

Robert Half · Q3 FY2026 call record电话会记录

risksguidanceperformance
“We basically said, collectively, at the pre-tax operating margin line, they typically cause a 1%-2% pre-tax operating income impact.”
Keith Waddell12 receipted excerpts条可追溯摘录
RELX2026-10-22

RELX · Q3 FY2026 call record电话会记录

performancerisksguidance
“Turning to the performance of each business area, in Risk, which contributes about 40% of the group's profit, underlying revenue growth was 8%, in line with the first half.”
Nick Luff12 receipted excerpts条可追溯摘录
R2026-10-22

Ryder · Q3 FY2026 call record电话会记录

performancesegment changescapital allocation
“Supply Chain Solutions EBT as a percent of operating revenue was 8.1% in the quarter, at the segment's long-term target of high single digits.”
Cristy Gallo-Aquino12 receipted excerpts条可追溯摘录
PSO2026-10-22

PSO · Q3 FY2026 call record电话会记录

guidanceperformancedemand
“It was just over two years ago, like I think July 2024, where we came out, and we said Pearson will be a mid-single digit growth company and will consistently expand margins 40 basis points or so on average over the medium term.”
Omar Abbosh12 receipted excerpts条可追溯摘录
PNFP2026-10-22

Pinnacle Financial Partners · Q3 FY2026 call record电话会记录

guidanceperformancemargins
“When you look at the broad-based growth, you look at where it is coming from, you look at the 222 hires we have made to date, I would just point to there is nothing within the current pipelines within our production and with what we expect to happen next year, that you should see a change in our ability to grow assets.”
Kevin Blair12 receipted excerpts条可追溯摘录
PKG2026-10-22

Packaging Corporation of America · Q3 FY2026 call record电话会记录

performancedemandrisks
“Legacy earnings improved by $0.07 per share, driven by favorable price and mix in the packaging segment for $0.79, favorable production and sales volume in the packaging segment, which includes the impact of additional containerboard supplied to the Greif operations of $0.12, favorable price and mix in the paper segment for $0.05, and a lower share count, $0.02.”
Mark Kowlzan12 receipted excerpts条可追溯摘录
PHM2026-10-22

PulteGroup · Q3 FY2026 call record电话会记录

marginsdemandq and a
“Taking into consideration our backlog, current demand conditions, competitive market dynamics, and the need to cycle through existing spec inventory, we expect fourth quarter gross margins to be in the range of 24.0%-24.5%.”
Jim Ossowski12 receipted excerpts条可追溯摘录
PG2026-10-22

Procter & Gamble · Q1 FY2027 call record电话会记录

performancesegment changesdemand
“As you saw in our press release this morning, we are maintaining our fiscal 2027 guidance ranges across organic sales, core EPS, and free cash flow productivity.”
Andre Schulten12 receipted excerpts条可追溯摘录
PCG2026-10-22

PG&E Corporation · Q3 FY2026 call record电话会记录

guidanceperformanceq and a
“So what gives you the level of certainty that there's no equity needed in this business through 2030 when there's all the uncertainty related to CapEx rate base growth, earnings growth guidance, etc, past 2027?”
Ross Fowler12 receipted excerpts条可追溯摘录
ORI2026-10-22

Old Republic International · Q3 FY2026 call record电话会记录

demandriskscapital allocation
“I know I've said many times over the last two or three years that it felt like there was pent-up demand in the residential market, and that if interest rates had a 5 in front of them instead of a 6, that it could be a major turning point for us.”
Craig Smiddy12 receipted excerpts条可追溯摘录
OMC2026-10-22

Omnicom Group · Q3 FY2026 call record电话会记录

marginsperformancecapital allocation
“We will certainly going to be striving to grow margins a little bit more in Q4, but I would expect something similar in Q4 and the full year will be an add them up, which given we are at 210 basis points through 9 months, it is going to be in that zone, is what I would say our current expectation is.”
Phil Angelastro12 receipted excerpts条可追溯摘录
OII2026-10-22

Oceaneering International, Inc. · Q3 FY2026 call record电话会记录

segment changesperformancemargins
“At the segment level, compared to the full year of 2026, for Subsea Robotics, we expect that higher ROV utilization levels and similar pricing levels, together with improved results in survey and tooling, will generate increases in revenue and operating income and stable EBITDA margins.”
Rod Larson12 receipted excerpts条可追溯摘录
NTST2026-10-22

NETSTREIT CORP · Q3 FY2026 call record电话会记录

performancerisksmanagement commitments
“In addition, our AFFO per share guidance now includes approximately $0.035-$0.04 per share of estimated dilution, or 2.8 million-3.1 million shares, due to the impact of the company's outstanding forward equity calculated in accordance with the treasury stock method.”
Dan Donlan12 receipted excerpts条可追溯摘录
NSC2026-10-22

Norfolk Southern · Q3 FY2026 call record电话会记录

guidancedemandq and a
“Looking within merchandise, volumes increased 3% and revenue less fuel achieved another record, increasing 5% from a year ago, driven by strength in our metals and construction franchise and by strong energy demand in our chemicals markets.”
Ed Elkins12 receipted excerpts条可追溯摘录
NOK2026-10-22

NOK · Q3 FY2026 call record电话会记录

performancemarginsdemand
“Gross margin declined 150 basis points to 41.2%, and this was mainly driven by product mix and the ramp-up of new products for AI & Cloud customers in IP Networks.”
Marco Wirén12 receipted excerpts条可追溯摘录
NEM2026-10-22

Newmont · Q3 FY2026 call record电话会记录

performancecapital allocationdemand
“While we continue to expect fourth quarter all-in sustaining costs to be the highest of the year at approximately $1,900 per ounce, our improved full-year outlook reflects the strength of our year-to-date performance and provides increased confidence in our ability to manage costs within our control.”
Brian Tabolt12 receipted excerpts条可追溯摘录
NDAQ2026-10-22

Nasdaq, Inc. · Q3 FY2026 call record电话会记录

capital allocationrisksmanagement commitments
“The LeveL revenue contribution for the fourth quarter is expected to be $7 million-$8 million, and the expense are included in our updated expense guidance.”
Sarah Youngwood12 receipted excerpts条可追溯摘录
MOH2026-10-22

Molina Healthcare · Q3 FY2026 call record电话会记录

risksguidanceperformance
“Today, I will discuss several topics: our third quarter results, our reaffirmed full year 2026 guidance, and our preliminary 2027 premium and earnings outlook.”
Joe Zubretsky12 receipted excerpts条可追溯摘录
MEDP2026-10-22

Medpace · Q3 FY2026 call record电话会记录

performanceq and amargins
“Full-year 2026 total revenue is now expected in the range of $2.835 billion-$2.855 billion, representing growth of 12%-12.8% over 2025 total revenue of $2.53 billion.”
Kevin Brady12 receipted excerpts条可追溯摘录
LUV2026-10-22

Southwest Airlines · Q3 FY2026 call record电话会记录

marginsrisksq and a
“Even with a significant fuel headwind, strong revenue execution and disciplined cost performance allowed us to expand adjusted operating margin by 4.8 points year-over-year and deliver earnings growth.”
Tom Doxey12 receipted excerpts条可追溯摘录
LOB2026-10-22

Live Oak Bancshares Inc · Q3 FY2026 call record电话会记录

marginsq and aperformance
“Turning to slide 15, as BJ noted, reported figures are on the left with reported EPS of $0.52, driven by reported PPNR of $90 million, up 26% linked quarter and 53% year-over-year, and offset by an elevated provision that supported record loan growth, distillery actions, and the portfolio changes across the two lending business units.”
Walt Phifer12 receipted excerpts条可追溯摘录
LNN2026-10-22

Lindsay Corporation · Q4 FY2026 call record电话会记录

demandguidanceperformance
“Full year 2026 infrastructure results were affected by lower Road Zipper System project sales, as the prior year included a $20 million project that we did not expect to repeat in 2026, partially offset by sales growth of road safety products.”
Alicia Pfeifer12 receipted excerpts条可追溯摘录
LMT2026-10-22

Lockheed Martin · Q3 FY2026 call record电话会记录

demandsegment changesperformance
“Third quarter sales rose 11% year-over-year to $20.7 billion, driven by higher volume across every segment, including F-35 production and sustainment at Aeronautics, MFC munitions production ramps, new radar awards at RMS, and growth on Fleet Ballistic Missile and Next Generation Interceptor at Space.”
Evan Scott12 receipted excerpts条可追溯摘录
LBRT2026-10-22

Liberty Energy, Inc. · Q3 FY2026 call record电话会记录

performancerisksdemand
“Third quarter revenue of $1.2 billion and adjusted EBITDA of $142 million reflected strong operational execution and modest price increases, partially offset by drilling-related delays and cost inflation headwinds.”
Ron Gusek12 receipted excerpts条可追溯摘录
LAZ2026-10-22

LAZ · Q3 FY2026 call record电话会记录

segment changesq and ademand
“Maybe to start, just given the constructive public backlog and forward indicators you alluded to with the weighted pipeline being more than double year-ago levels, I was hoping you could clarify whether that backlog commentary is on a revenue or volume-adjusted baseline, speak to any impacts on mix and how that informs the revenue growth outlook for next year.”
Steven Chubak12 receipted excerpts条可追溯摘录
KN2026-10-22

Knowles Corporation · Q3 FY2026 call record电话会记录

demandperformancesegment changes
“The strong growth and financial results we've achieved through the first three quarters of 2026, combined with a robust backlog and increased order activity, give me confidence in our ability to deliver 2026 revenue growth of 16% at the midpoint of our guidance range, and adjusted EBITDA growth of 24% over 2025 levels, with both metrics well above the high end of the target ranges that we provided at our May 2025 Investor Day.”
John Anderson12 receipted excerpts条可追溯摘录
KALU2026-10-22

Kaiser Aluminum Corporation · Q3 FY2026 call record电话会记录

performancedemandq and a
“These incremental costs, which we have anticipated when we provided our outlook for the remainder of the year, represented approximately 640 basis points of margin impact in the third quarter of 2026.”
Neal West12 receipted excerpts条可追溯摘录
IIIN2026-10-22

Insteel Industries Inc · Q4 FY2026 call record电话会记录

performanceguidancedemand
“Unfavorable market trends in housing and light private commercial construction, together with insufficient domestic wire rod supplies, led to severe margin compression during fiscal 2026 in the standard welded wire reinforcement market, with the expected impact on shipments and profitability.”
H. Woltz12 receipted excerpts条可追溯摘录
IHG2026-10-22

IHG · Q3 FY2026 call record电话会记录

performancedemandsegment changes
“While we have said in the stock exchange this morning that we expect our adjusted net interest expense to increase between $40 million and $60 million pre-tax next year, it is also important to remember that this assumes another year of growing the business and executing on our growth algorithm, which aims to deliver that 12%-15% adjusted earnings per share growth per annum on average over the medium to long term.”
Michael Glover12 receipted excerpts条可追溯摘录
HXL2026-10-22

Hexcel · Q3 FY2026 call record电话会记录

marginsrisksdemand
“Consequently, we are reaffirming our financial guidance for 2026, with revenues between $2.025 billion and $2.15 billion, diluted EPS of $2.30-$2.40, and free cash flow greater than $195 million.”
Tom Gentile12 receipted excerpts条可追溯摘录
HON2026-10-22

Honeywell Technologies · Q3 FY2026 call record电话会记录

marginsq and ademand
“On profitability, segment profit grew 23% and segment margin expanded 370 basis points to 21.3%, driven by productivity, accelerated stranded cost elimination, as well as strategic pricing actions and volume leverage.”
Michal Stepniak12 receipted excerpts条可追溯摘录
HFWA2026-10-22

Heritage Financial Corporation · Q3 FY2026 call record电话会记录

performancemarginsq and a
“Moving on to the income statement, net interest income increased $2.4 million from the prior quarter due to a combination of growth in average earning assets and continued improvement in our net interest margin.”
Don Hinson12 receipted excerpts条可追溯摘录
HBNC2026-10-22

Horizon Bancorp Inc (IN) · Q3 FY2026 call record电话会记录

marginsguidanceperformance
“Commercial real estate loans declined $9.9 million, impacted by both a deliberate selective strategy regarding real estate segments, as well as elevated payoffs in July and August due to our customers choosing to sell their properties.”
Lynn Kerber12 receipted excerpts条可追溯摘录
HBAN2026-10-22

Huntington Bancshares · Q3 FY2026 call record电话会记录

demandsegment changesq and a
“We are also executing our expense reengineering initiatives across the bank, and we expect to reengineer approximately 1.5% of our baseline expenses this year, creating additional capacity to invest in growth while delivering strong operating leverage.”
Zach Wasserman12 receipted excerpts条可追溯摘录
GTY2026-10-22

Getty Realty Corp. · Q3 FY2026 call record电话会记录

risksguidanceperformance
“This activity has helped drive a 21% year-over-year increase in our annualized base rent, 5% growth in our year-to-date AFFO per share, and another increase in our full year 2026 earnings guidance range.”
Christopher Constant12 receipted excerpts条可追溯摘录
GSBC2026-10-22

Great Southern Bancorp Inc · Q3 FY2026 call record电话会记录

performanceq and amargins
“During both the three and nine months ended September 30, 2026, we did not record a provision expense on our outstanding loan portfolio, but recognized a provision for unfunded commitments of $674,000 in the third quarter of 2026 due to growth in the commitment pipeline.”
Rex Copeland12 receipted excerpts条可追溯摘录
GL2026-10-22

Globe Life · Q3 FY2026 call record电话会记录

performancemarginssegment changes
“With respect to our 2026 guidance, for the full year 2026, we estimate net operating earnings per diluted share will be in the range of $15.35-$15.65, a decrease from the prior guidance reflecting the impact of third quarter results and revisions to fourth quarter margin estimates for United American.”
Tom Kalmbach12 receipted excerpts条可追溯摘录
FSV2026-10-22

FSV · Q3 FY2026 call record电话会记录

performanceq and aguidance
“Looking forward for Century, our quarter end backlog ticked up sequentially again, and we expect to finish the year with a similarly strong 10%+ revenue growth.”
Scott Patterson12 receipted excerpts条可追溯摘录
FRME2026-10-22

First Merchants Corp · Q3 FY2026 call record电话会记录

performancecapital allocationrisks
“And then, perhaps bigger picture, is there an absolute level of rates where you start to see demand destruction or pipeline fallout that puts that kind of 6%-8% growth target at risk?”
Russell Gunther12 receipted excerpts条可追溯摘录
FBP2026-10-22

First BanCorp (Puerto Rico) · Q3 FY2026 call record电话会记录

capital allocationmarginsdemand
“We expect continued deposit competition and loan pricing dynamics to remain headwinds while our investment portfolio repricing opportunity, which for the fourth quarter are approximately $252 million at an average yield of 2.23%, coupled with floating loan portfolio repricing, should provide support if rates continue to move higher as expected.”
Said Ortiz12 receipted excerpts条可追溯摘录
FAF2026-10-22

First American Financial Corporation · Q3 FY2026 call record电话会记录

performancerisksq and a
“So you guys noted that, I guess, there was the one time of $8 million, but can you just talk a little more broadly about margin expectations in 2027 if resi volumes remain around this $2 trillion or even, I guess, MBA is looking for even less than that, and then commercial potentially flat, just given the comps are going to get pretty challenging.”
Bose George12 receipted excerpts条可追溯摘录
ESI2026-10-22

Element Solutions · Q3 FY2026 call record电话会记录

performanceguidancemargins
“The year-on-year improvement was primarily driven by product mix within the Electronic segment, where organic growth and higher-value product lines drove solid underlying incremental margins in the upper end of our 30%-40% target range, as well as strong performance from Micromax.”
Carey Dorman12 receipted excerpts条可追溯摘录
EPRT2026-10-22

Essential Properties Realty Trust, Inc. · Q3 FY2026 call record电话会记录

performanceq and arisks
“I would say you've seen over the last year or two that we've been able to push the escalations, and they've increased, and we're sitting at 1.9%, and I would say the forward pipeline is pretty consistent with that, and internal growth has been a focus for us as we're striking new deals.”
Max Jenkins12 receipted excerpts条可追溯摘录
ENVA2026-10-22

Enova International, Inc. · Q3 FY2026 call record电话会记录

performancesegment changesdemand
“We expect the SMB net revenue margin to remain in the typical 60%-70% range, and we expect the consumer net revenue margin should continue to trend toward a more typical level of around 50% as our recent vintages continue to season as expected.”
Scott Cornelis12 receipted excerpts条可追溯摘录
01
Read it correctly如何正确阅读

A record of what was said — not a market call.这是对已说内容的记录，而非市场判断。

This is a transcript-only, historically incomplete publication. Releases, filings, slides, consensus and price reaction are visibly marked as not joined; lower-evidence packets remain held instead of being inferred.这是仅基于电话会文本且历史覆盖尚不完整的发布。新闻稿、披露文件、演示材料、一致预期和股价反应均明确标注为未接入；证据不足的数据包会被暂缓，而非由推断补齐。