Helvetia Baloise Holding AG (HBAN) Earnings Call Transcripts

Helvetia Baloise Holding AG's Latest Earnings Call - September 16, 2026

In the third quarter of fiscal year 2026, Huntington Bancshares Incorporated (HBAN:US) reported robust loan and deposit growth but revised its earnings guidance for 2027 down to $1.75 to $1.83 per share, reflecting a more challenging interest rate and competitive environment. Revenue growth was strong, with fee income increasing approximately 32% year-over-year, exceeding prior expectations. Management emphasized their commitment to maintaining disciplined capital allocation and risk-adjusted returns, despite pressures on net interest margin (NIM) due to rising deposit costs and competitive dynamics.

Reported metrics

Guidance from management

Management has revised its 2027 EPS guidance to a range of $1.75 to $1.83, reflecting current market pressures. They also indicated a commitment to maintaining disciplined capital allocation and managing expenses effectively.

What management said

And just to add on to that, Jason. We've invested a lot in certain regional markets, North South Carolina, for example, the partnerships have positioned us in 8 new states. We're bringing a lot more services and capabilities to the customer base there, and they are growing dynamically much faster than the core Midwest where we've had pretty good results. On top of that, we now have an additional Nine new national ver...

What analysts pressed on

Analysts expressed concerns regarding the competitive landscape affecting loan origination volumes and the impact of rising deposit costs on NIM. There were questions about how management plans to navigate these challenges while maintaining growth and profitability.

Main topics on the call

• Earnings Guidance Revision — Management revised the 2027 EPS target range to $1.75 to $1.83, down from previous expectations due to 'incremental pressures' on net interest margin and loan growth. CEO Stephen Steinour stated, 'the environment has evo...
• Strong Loan and Deposit Growth — Huntington reported approximately 36% year-over-year loan growth and 33% deposit growth, consistent with prior expectations. This reflects the bank's strong operational execution despite a challenging environment.
• Fee Income Acceleration — Fee income growth accelerated to approximately 32% year-over-year, exceeding the original target of 26.5% to 29.5%. Management noted, 'we've leaned into and worked to accelerate our growth initiatives,' indicating strong...
• Integration Success of Acquisitions — The integrations of Veritex and Cadence are tracking ahead of expectations, with revenue synergies now projected at approximately $600 million through 2028, up from an initial $500 million forecast. This indicates effect...

Read the full Helvetia Baloise Holding AG transcript (September 16, 2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 92 Helvetia Baloise Holding AG earnings call transcripts on record, spanning January 23, 2020 to September 17, 2026. Based on this history, Helvetia Baloise Holding AG reports quarterly. The most recent call on file is dated September 17, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

HBAN

Exchange

SWX

Country

CH

Sector

Financials

Industry

Insurance

Calls on record

92

First call

January 23, 2020

Most recent

September 17, 2026

Reporting cadence

quarterly