The earnings call presents mixed signals: strong Q4 results with a significant EPS increase, but an annual decline in net income and EPS due to portfolio restructuring. Positive aspects include improved net interest margin, loan growth, and a strategic focus on M&A and stock buybacks. However, concerns arise from the 2026 expense growth, muted margin expectations, and unclear management responses. The Q&A section reveals cautious optimism but lacks concrete commitments. Overall, the sentiment is neutral, with no significant catalysts to drive a strong stock price movement.