Net interest income so far this year has been resilient, while fee income has remained strong and impairments low. ...

Key Takeaways Prosperity Bancshares' Q3 earnings of $1.45 matched estimates, rising 8.2% year over year.Higher NII, nil provisions and lower expenses drove PB's quarterly results.The board raised the dividend by 3.5% and continued share repurchases under the 2025 program.Shares of Prosperity Bancshares, Inc. (PB) gained 2.9% yesterday following the announcement of solid third-quarter 2025 results. Earnings of $1.45 were in line with the Zacks Consensus Estimate. The bottom line grew 8.2% year over year.Resu ...

Banco Bilbao Vizcaya Argentaria (NYSE:BBVA) Q3 2025 Earnings Call October 30, 2025 04:30 AM ET Company ParticipantsAntonio Reale - Co-Head of European Banks Equity ResearchAlvaro Serrano - Head of European Banks ResearchBorja Ramirez - Director of Banks Equity ResearchMaks Mishyn - Equity ResearchOnur Genç - CEOCarlos Peixoto - Equity Research of Banks, Insurance, and Financial ServicesFrancisco Riquel - Head of ResearchLuisa Bravo - CFOPatricia Bueno Olalla - Head of Investor RelationsConference Call Parti ...

Banco Bilbao Vizcaya Argentaria (NYSE:BBVA) Q3 2025 Earnings Call October 30, 2025 04:30 AM ET Company ParticipantsAntonio Reale - Co-Head of European Banks Equity ResearchAlvaro Serrano - Head of European Banks ResearchBorja Ramirez - Director of Banks Equity ResearchMaks Mishyn - Equity ResearchOnur Genç - CEOCarlos Peixoto - Equity Research of Banks, Insurance, and Financial ServicesFrancisco Riquel - Head of ResearchLuisa Bravo - CFOPatricia Olalla - Head of Investor RelationsConference Call Participant ...

核心业绩表现 - 第三季度每股收益为1.20美元，超出市场预期的1.13美元，较去年同期的0.93美元显著增长 [1] - 净利润为5330万美元，同比增长32.2% [2] - 总收入为1.826亿美元，同比增长12.2%，超出市场预期3.7% [3] - 平均资产回报率为0.88%，高于去年同期的0.69%；平均股东权益回报率为12.10%，高于去年同期的9.90% [12] 收入与利润驱动因素 - 净利息收入为1.367亿美元，同比增长16.2%，超出公司自身预期的1.264亿美元 [3] - 净息差为2.46%，较去年同期上升28个基点 [3] - 非利息收入为4590万美元，同比增长1.9%；经调整后同比增长3.4%，增长主要由费用、服务费、信托及资产管理收入等推动 [4] - 效率比率改善至61.53%，低于去年同期的65.81，表明盈利能力提升 [6] 资产负债表与业务规模 - 总贷款和租赁余额为140亿美元，较上一季度略有增长，超出公司自身预期的119亿美元 [7] - 总存款为211亿美元，环比增长1.3%，超出公司自身预期的189亿美元 [7] 信贷质量 - 不良资产为1690万美元，同比下降14.7%，优于公司自身预期的2130万美元 [8] - 贷款和租赁净冲销额为260万美元，较去年同期减少120万美元 [8] - 信贷损失拨备为250万美元，同比下降16.7% [8] - 信贷损失准备金小幅增至1.488亿美元 [10] 资本状况 - 一级资本比率为14.34%，高于去年同期的14.05%；总资本比率为15.40%，高于去年同期的15.11% [11] - 有形普通股与风险加权资产的比率为9.95%，高于去年同期的9.17% [11] - 本季度未进行股份回购，剩余回购授权额度为1.26亿美元 [13] 行业同业表现 - Synovus Financial Corp第三季度调整后每股收益1.46美元，超出预期，受益于净利息收入和非利息收入增长以及拨备下降 [15] - First Horizon Corporation第三季度调整后每股收益0.51美元，超出预期，受益于净利息收入和非利息收入增长，但存贷款余额下降构成不利因素 [16]

Key Takeaways Flagstar Financial reported a Q3 loss per share of 7 cents, wider than the year-ago loss of 69 cents.Lower NII, fee income, and reduced loan and deposit balances pressured overall quarterly results.Non-interest expenses fell nearly 30%, while capital ratios improved year over year.Flagstar Financial, Inc. (FLG) reported a third-quarter 2025 adjusted loss per share of 7 cents, wider than the Zacks Consensus Estimate of a loss of 6 cents. It had incurred a loss of 69 cents in the year-ago quarte ...

核心业绩表现 - 第三季度每股收益0.74美元，远超市场预期的0.49美元，同比大幅增长60.9% [1] - 归属于普通股股东的净收入为4580万美元，同比增长54.3%，高于预估的2790万美元 [2] - 净收入总额为3.302亿美元，同比增长8.1%，高于市场预期的3.083亿美元 [3] 收入构成分析 - 净利息收入为1.124亿美元，同比增长7%，略高于1.11亿美元的预期 [3] - 净息差为3.09%，同比扩大24个基点，优于3.07%的预期 [3] - 非利息收入为2.178亿美元，同比增长8.7%，主要受除抵押贷款发起费外所有组成部分增长的推动，高于1.97亿美元的预期 [4] 运营效率与成本 - 非利息支出为2.719亿美元，同比增长2.9%，高于2.647亿美元的预期 [4] - 支出增长是业绩中的主要不利因素 [1] 资产负债与业务规模 - 截至2025年9月30日，持有的投资净贷款额为81亿美元，环比增长2.1% [5] - 总存款为107亿美元，较上季度末增长2.7% [5] 资产质量与信用状况 - 第三季度录得250万美元的信贷损失拨备回拨，优于上年同期的130万美元拨备回拨 [6] - 截至2025年9月30日，不良资产占总资产的比率为0.49%，较上年同期下降10个基点 [6] 盈利能力与资本充足率 - 报告季度末的平均资产回报率为1.20%，高于上年同期的0.84% [7] - 平均股东权益回报率为8.35%，高于上年同期的5.51% [7] - 普通股一级资本比率为20.33%，略低于2024年同期的20.48%；总资本比率为22.90%，低于上年同期的23.68% [7] 股东回报举措 - 报告季度内，公司以每股32.36美元的平均价格回购了价值5510万美元的股票 [10] - 10月，董事会授权将股票回购规模增加至1.85亿美元 [10] 同业表现比较 - Zions Bancorporation第三季度调整后每股收益1.54美元，高于预期的1.40美元，同比增长12.4%，主要受净利息收入和非利息收入增长推动 [12] - F N B Corporation第三季度调整后每股收益0.41美元，高于预期的0.37美元，主要受益于净利息收入和非利息收入的增长，以及存贷款规模的扩大 [13]

Key Takeaways Texas Capital's Q3 EPS of $2.18 beat estimates and rose from $1.59 a year ago.Higher net interest and non-interest income lifted total revenues 11.6% year over year. Expenses fell 2.4% while loans and deposits grew, strengthening capital ratios. Texas Capital Bancshares, Inc. (TCBI) reported record third-quarter 2025 earnings per share (EPS) of $2.18, which surpassed the Zacks Consensus Estimate of $1.77. Further, the figure also compared favorably with $1.59 in the year-ago quarter.TCBI's res ...

Key Takeaways East West Bancorp's Q3 EPS of $2.62 beat estimates and rose 25.4% year over year.Higher NII and non-interest income boosted revenues by 18.4% to $778 million.Loans and deposits grew sequentially, while expenses climbed. Asset quality was mixed.Shares of East West Bancorp, Inc. (EWBC) rose 1.8% in yesterday’s after-market trading session on better-than-expected quarterly results. Its third-quarter 2025 adjusted earnings per share (EPS) of $2.62 beat the Zacks Consensus Estimate of $2.35. Moreov ...

Key Takeaways Zions' adjusted EPS of $1.54 topped estimates and rose 12.4% year over year.Higher NII and fee income drove an 8.7% revenue increase to $861 million.Deposits grew 1.5% to $74.9B, while loans dipped 1% and provisions climbed.Shares of Zions Bancorporation (ZION) rose 1.6% in yesterday’s after-market hours trading session on better-than-expected quarterly results. Its third-quarter 2025 adjusted earnings per share (EPS) of $1.54 beat the Zacks Consensus Estimate of $1.40. Moreover, the bottom li ...