/Count 0 (2b7a08845035484f80980aa360534190_1) [6 0 R /XYZ null 755 null] How much profit does Charles Schwab generate each year? For a 13-week history of trading activity >, For the current monthly report of other client activity >. /Type /Page Its banking subsidiary, Charles Schwab Bank, SSB . /Parent 2 0 R The brokerage giant, which has been swept into the turmoil surrounding the banking sector, seemed to ease fears about its financial health in its latest earnings report. >> Read the latest company news, explore Schwab-sponsored research findings, and learn about our experts. /Parent 2 0 R /Resources 23 0 R The Charles Schwab Corporation (NYSE: SCHW) is a leading provider of financial services, with 33.6 million active brokerage accounts, 2.2 million corporate retirement plan participants, 1.6 million banking accounts, and approximately $7.86 trillion in client assets. /Names 4 0 R (b63af4ae3afb4c71a20a231bf537f12c_13) [11 0 R /XYZ null 760 null] Charles Schwab generated a profit of $1.6 billion in the first quarter of the year, it said Monday, faring better than Wall Street expected and seeming to ease recent concerns about its financial health. Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services. Schwabs profit in the first three months of the year was up 14 percent from a year earlier, while revenue rose 10 percent. Schwabs use of non-GAAP measures is reflective of certain adjustments made to GAAP financial measures as described below. /Contents 31 0 R %PDF-1.4 14 0 obj Our IR << >> 14 0 obj << /MediaBox [0.0 0.0 792.0 612.0] Schwab is a full-service wealth management leader, FINANCIAL REPORTS & PRESENTATIONS Placeholder. Schwab released its monthly activity report for February 2023. Asset management and administration fees were up 12% year-over-year due to rising balances in advisory solutions, as well as proprietary and third-party mutual funds and ETFs. Earnings Estimates and Acutals by Quarter Chart Description, Estimated Revenue and Actual Revenue by Quarter Chart Description. /MediaBox [0.0 0.0 612.0 792.0] endobj /Type /Outlines WM earnings call for the period ending March 31, 2023. Amounts have been calculated based on amortized cost. The company opened one million new brokerage accounts in the first quarter, which brought in $132 billion of net new assets. The Charles Schwab Corporation (NYSE:SCHW) 2022 Summer Business Update Conference July 28, 2022 11:00 AM ETCompany Participants. Export data to Excel for your own analysis. endobj 13 0 obj At Charles Schwab, we encourage everyone to take ownership of their financial life by asking questions and demanding transparency. >> endobj 13 0 obj Its quarterly revenue was up 9.5% on a year-over-year basis. /Creator (Workiva) /Kids [6 0 R 7 0 R 8 0 R 9 0 R 10 0 R 11 0 R 12 0 R 13 0 R 14 0 R 15 0 R Represents the principal value of client ETF transactions handled by Schwab, including transactions in proprietary ETFs. The corporation currently does not hold earnings release conference calls. /Parent 2 0 R Secrets and strategies for the post-work life you want. << endobj Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. 16 0 obj endobj Non-GAAP Financial Measures << >> FIRST QUARTER 2023 /Resources 35 0 R TD Ameritrade Holding Corporation is a wholly owned subsidiary of The Charles Schwab Corporation. Please register at schwabevents.com/corporation. The results also exceeded Wall Street's forecast. Furthermore, utilization of our bank lending capabilities rose at an even faster pace last year, with outstanding balances of mortgage loans and secured credit lines rising by a combined total of $11.0 billion, or 48%, during 2021 to end the year at $33.8 billion., Mr. Bettinger concluded, Successfully focusing on quality client service while pushing forward with firm-wide initiatives to build a stronger and more capable company would be demanding in any environment. /Prev 43 0 R Total client assets in purchased money market funds are located at: https://www.aboutschwab.com/investor-relations. Non-U.S. residents are subject to country-specific restrictions. /MediaBox [0.0 0.0 792.0 612.0] April 17, 2023. >> Anyone can read what you share. Note: Certain supplemental details related to the information above can be found at. /Contents 20 0 R /Title (4Q22 Exhibit 99.1 _12.31.2022) The Charles Schwab Corporation (NYSE: SCHW) is a leading provider of financial services, with 33.2 million active brokerage accounts, 2.2 million corporate retirement plan participants, 1.5 million banking accounts, and approximately $8.14 trillion in client assets. The Charles Schwab Corporation (SCHW) 2023 Winter Business Update Call (Transcript) SA Transcripts Mon, Apr. Management, Acquisition and integration-related costs and amortization of acquired intangible assets. Jeff EdwardsCharles SchwabPhone: 415-667-1524 SCHWAB REPORTS RECORD FIRST QUARTER EARNINGS PER SHARE Unprecedented Client Engagement Included $148.2 Billion in Core Net New Assets,3.2 Million New Brokerage Accounts and 8.4 Million Daily Average Trades, All Records The purpose of this profile is to allow us to share with our readers new transcript-related developments. The financial services provider reported $0.93 EPS for the quarter, beating the consensus estimate of $0.90 by $0.03. At Schwab you can go as far as your ambition and unique talents take you. /Parent 3 0 R Read the latest company American Consumer News, LLC dba MarketBeat 2010-2023. /First 17 0 R MA earnings call for the period ending March 31, 2023. Form 10-K, Form 10-Q, and Form 8-K are filed with the Securities and Exchange Commission. The banks, like Schwab, also announced bigger-than-expected profits, because they were able to charge more for loans than they paid out in deposits as the Fed raised interest rates. endobj Its primary banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides banking and lending services and products. endobj (b63af4ae3afb4c71a20a231bf537f12c_1) [6 0 R /XYZ null 755 null] As an equal employment opportunity employer,our policy is to provide equal employment opportunities to all employees and applicants without regard to any status that is protected by law(. /Parent 2 0 R We also added a net $10.2 billion to outstanding debt largely for liquidity management purposes, and increased preferred stock by $2.3 billion to help support continued business growth. endobj << /Count 0 Earnings Summary. /C [0.0 0.0 0.0] -Peter Crawford, Executive Vice President and Chief Financial Officer. 17 0 obj /Parent 3 0 R business. January 2023: Members of Schwabs executive management team discuss financial performance and corporate goals with financial analysts and institutional investors. /Parent 2 0 R Learn more about our services for non-U.S. residents. offerings, who we serve, and our history of innovation, Were Includes balances held on and off the Schwab platform. We believe diversity and inclusion are part of our success as a company and our purpose of serving every client with passion and integrity. << /MediaBox [0.0 0.0 612.0 792.0] endobj >> 16 0 R] But as customers shift deposits into higher-yielding accounts at Schwab or elsewhere, it raises the companys cost of funding and pinches profits. /Type /Page The chart below shows up to four years of a company's revenue history. Market beating stocks from our award-winning service, Investment news and high-quality insights delivered straight to your inbox, You can do it. /Contents 30 0 R program is designed to provide regular updates to executive managements priorities and (9c39be1f4da044a4952a43d29436c913_7) [10 0 R /XYZ null 774 null] 20 0 obj << 8 0 obj Invest better with The Motley Fool. /ModDate (D:20230414232912+00'00') /MediaBox [0.0 0.0 792.0 612.0] /Contents 36 0 R /Type /Page 2 0 obj We broadened our clients access to fixed income investment choices by launching and expanding our Wasmer Schroeder Strategies lineup of separately managed accounts, which now spans 25 taxable and non-taxable alternatives, including several positive impact strategies. endobj /Dest [6 0 R /XYZ null 755 null] /Type /Page 1 0 obj TD Ameritrade, Inc. and TD Ameritrade Clearing, Inc. are separate but affiliated companies and subsidiaries of TD Ameritrade Holding Corporation. /Type /Page Reported EPS is $0.7, expectations were $0.65.. At this time, I'd like to. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Please. 13 0 obj Acquisition and integration-related costs fluctuate based on the timing of acquisitions and integration activities, thereby limiting comparability of results among periods, and are not representative of the costs of running the Companys ongoing business. First quarter of 2021 includes an outflow of $14.4 billion from a mutual fund clearing services client. /Type /Pages << To see all exchange delays and terms of use please see Barchart's disclaimer. << >> Schwabs shares rose nearly 4 percent on Monday, but they were still down more than 35 percent since the start of the year. You can unsubscribe to any of the email alerts you are subscribed to by visiting the unsubscribe section below. /MediaBox [0.0 0.0 792.0 612.0] WESTLAKE, Texas, April 17, 2023- The Charles Schwab Corporation announced today that its net income for the first quarter of 2023 was $1.6 billion, up 14% from $1.4 billion for the first quarter of 2022. Adjusted total expenses(1) were up 7% year-over-year, reflecting robust client engagement and business growth, as well as the 5% employee salary increase that went into effect at the end of September. /Contents 32 0 R Other noteworthy client initiatives included the addition of person-to-person payment capabilities via Zelle and the introduction of the Schwab Starter Kit, a new experience designed to support first-time investors with tailored educational content and tools, along with $50 in funding for an initial purchase of fractional shares, to help them develop their knowledge and confidence as they begin to build their financial futures with us. Following four recent acquisitions, including the largest brokerage transaction in history, Im particularly proud of our progress in uniting as a single team, pulling in the same direction through challenge after challenge, supporting each other and our clients as we pursue Chuck Schwabs vision. Non-U.S. residents are subject to country-specific restrictions. Quarterly and Annual Core Net New Assets Total $162.2 Billion and $558.2 Billion, Both Records, Total Client Assets Reach a Record $8.14 Trillion at Year-end, up 22% Versus December 2020. /Names 4 0 R /Parent 2 0 R I believe doing so amidst the tumult of the last few years is truly extraordinary. Form 10-K, Form 10-Q, and Form 8-K are filed with the Securities and Exchange Commission. APRIL 27, 2023 / 9:00PM, LPLA.OQ - Q1 2023 LPL Financial Holdings Inc Earnings Call. /Parent 2 0 R Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools: Enter your email address below to receive the latest news and earnings results for SCHW and its competitors with MarketBeat's FREE daily newsletter. endobj 14 0 obj Most of that is generated from its customers uninvested cash. /Contents 38 0 R /Author (anonymous) 10 0 obj >> Empowerment, Environmental As an equal employment opportunity employer, our policy is to provide equal employment opportunities to all employees and applicants without regard to any status that is protected by law (Equal Employment Opportunity policy). Schwab is also an affirmative action employer, focused on advancing women, minorities, veterans, and individuals with disabilities in the workplace. To ensure this doesnt happen in the future, please enable Javascript and cookies in your browser. 15 0 obj ZI earnings call for the period ending March 31, 2023. /Contents 34 0 R Schwab adjusts certain GAAP financial measures to exclude the impact of acquisition and integration-related costs incurred as a result of the Companys acquisitions, amortization of acquired intangible assets, and, where applicable, the income tax effect of these expenses. >> Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. bring you information that fosters that ownership, because we believe that the best outcomes in life come from being fully engaged. endobj Charles Schwab Corporation ( NYSE: SCHW) reported a 9% decline in earnings for the fourth quarter of 2019 due to lower revenue. Financial Highlights (1) Three Months Ended March 31, 20232022%Change Net revenues (in millions)Net income (in millions) GAAP /Filter /FlateDecode This compares to earnings of $0.84 per share a . HON earnings call for the period ending March 31, 2023. What you need to know about bank failures. /Resources 23 0 R With a challenger heritage and a Main Street approach, these are the stories of our people, our culture, and our mission. /Type /Page 0,,,i~DQH#^SN\BqKnS)] KC[[yDfy"&1Ta9.7;SO^g"Q~74:+rSB_qk+8"5UtQ9Jd?u#q,biQ_ !C. /MediaBox [0.0 0.0 612.0 792.0] Find the right brokerage account for you. << 7 0 obj /Prev 46 0 R Clients brought us $80.3 billion in December alone, 28% above our prior single-month record, and our full-year total of $558.2 billion represents an 8% annual organic growth rate. << Discounted offers are only available to new members. 9 0 obj While short-term interest rates remained near zero throughout the year, longer-term rates began to rise initially, then eased and rose again in keeping with the economic outlook - the 10-year Treasury yield finally ended 2021 at 1.52%, up 59 basis points from year-end 2020., Mr. Bettinger continued, Investors remained actively engaged with the markets throughout the year, and our competitive positioning as a trusted financial partner offering both value and service continued to resonate in the marketplace. All rights reserved. /Type /Page >> 0a*",)Qpv{_zg GtkC| /MediaBox [0.0 0.0 612.0 792.0] Market-beating stocks from our award-winning analyst team. Brokerage Products: Not FDIC Insured No Bank Guarantee May Lose Value. As an equal employment opportunity employer,our policy is to provide equal employment opportunities to all employees and applicants without regard to any status that is protected by law(Equal Employment Opportunitypolicy). 16 0 obj For their last quarter, Charles Schwab (SCHW) reported earnings of $0.93 per share, beating the Zacks Consensus Estimate of $0.90 per share. 11 0 obj Results of operations and metrics are inclusive of TD Ameritrade beginning October 6, 2020. endobj /Dest [16 0 R /XYZ null 722 null] EXl0VcAcO AqKieFeeXuz'\$1 iFy75Y0g7 n *=u}2&k %")>{ So any word on being acquired by FTX or Charles Schwab? Schwab is also an affirmative action employer, focused on advancing women, racial and ethnic minorities, veterans, and individuals with disabilities in the workplace. The price/earnings-to-growth ratio is 2.63. 1 0 obj Client assets in proprietary and third-party purchased money market funds totaled $343.5 billion, up 179% year-over-year. In December 2021, banking accounts were reduced as a result of inactive account closures. Charles Schwab (NYSE:SCHW) has a trailing price-to-earnings ratio of 14.16 and a forward price-to-earnings ratio of 15.33. 15 0 obj /Dest [6 0 R /XYZ null 755 null] /Type /Page | 2 mei 2023 We believe these non-GAAP financial measures provide useful supplemental information about the financial performance of the Company, and facilitate meaningful comparison of Schwabs results in the current period to both historic and future results. The Update, which will be held via webcast, is scheduled to run from approximately 8:00 a.m. - 12:30 p.m. PT, 11:00 a.m. - 3:30 p.m. ABBV earnings call for the period ending March 31, 2023. >> Get short term trading ideas from the MarketBeat Idea Engine. Cumulative Growth of a $10,000 Investment in Stock Advisor, Copyright, Trademark and Patent Information. /Contents 20 0 R The most recent commentary, which provides perspective on recent account activity, was posted on May 14, 2021. /Producer (Wdesk Fidelity Content Translations Version 007.006.009) 20 0 obj /Type /Pages Tangible common equity represents common equity less goodwill, acquired intangible assets net, and related deferred tax liabilities. Silicon Valley Bank held similar bonds, and when it was forced to sell some at a loss, nervous depositors demanded their money in a classic run on the bank. 8 0 obj (b63af4ae3afb4c71a20a231bf537f12c_4) [9 0 R /XYZ null 773 null] /ModDate (D:20220715230048+00'00') CROX earnings call for the period ending March 31, 2023. /Pages 2 0 R >> We exclude acquisition and integration-related costs and amortization of acquired intangible assets for the purpose of calculating certain non-GAAP measures because we believe doing so provides additional transparency of Schwabs ongoing operations, and is useful in both evaluating the operating performance of the business and facilitating comparison of results with prior and future periods. The dark blue line represents the company's actual earnings per share. >> 19 0 obj /Resources 38 0 R << /Count 0 SA Transcripts 136.41K Follower s Q1: 2023-04-20 Earnings Summary Transcript Press Release 10-Q EPS of $3.61 beats by $0.23 | Revenue of $1.06B (8.33% Y/Y) beats by $25.62M The following. The company earned $5.12 billion during the quarter, compared to analyst estimates of $5.13 billion. /MediaBox [0.0 0.0 612.0 792.0] /Type /Page /Type /Page news, explore Schwab-sponsored research findings, and learn about our experts.. Charles Schwab >> /Contents 32 0 R 6 0 obj Periodically, our Chief Financial Officer provides insight and commentary regarding Schwabs financial picture at: https://www.aboutschwab.com/cfo-commentary. /C [0.0 0.0 0.0] << (In millions, except ratios and per share amounts) We believe diversity and inclusion are part of our success as a company and our purpose of serving every client with passion and integrity. 326 E 8th St #105, Sioux Falls, SD 57103 /Resources 36 0 R /Contents 33 0 R >> (Unaudited). endobj /Names [(2b7a08845035484f80980aa360534190) [6 0 R /XYZ null 755 null] CVX earnings call for the period ending March 31, 2023. >> This site is designed for U.S. residents. /Type /Page SIRI earnings call for the period ending March 31, 2023. >> /Names [(9c39be1f4da044a4952a43d29436c913) [6 0 R /XYZ null 768 null] /Creator (Workiva) Includes miscellaneous service and transaction fees relating to mutual funds and ETFs that are not balance-based. endobj /F 2 While some measures of engagement eased from the extraordinary levels seen during the first quarter 2021 re-opening surge, activity generally exceeded the fourth quarter of 2020, when we included TD Ameritrade in our results for the first time, and core net new assets set yet another record over the final three months of 2021 at $162.2 billion. Usage will be monitored. Learn 16 0 obj 11 0 obj << stream The company has scheduled a Winter Business Update for institutional investors on Friday, January 28, 2022. Ignite your << /Resources 32 0 R Registration for this Update is accessible at https://www.aboutschwab.com/schwabevents. /Version /1.4 /Type /Page Good morning, everyone. At Schwab you can go << endobj Biden To Unleash "Choke Point" Operation On America? << Hear our experts take on stocks, the market, and how to invest. /Resources 31 0 R HOOD earnings call for the period ending June 30, 2022. . << endobj Revenue declined by 2% to $2.61 billion. /Type /Page (In billions, at quarter end, except as noted), Schwab One, certain cash equivalents and bank deposits, Proprietary mutual funds (Schwab Funds and Laudus Funds) and CTFs, Net growth in assets in client accounts (for the quarter ended), New brokerage accounts (in thousands, for the quarter ended) (7). Lordstown warns it may fail as investor Foxconn gets jumpy. /Parent 2 0 R Fourth quarter of 2021 includes outflows of $27.6 billion from mutual fund clearing services clients. >> Jeff Edwards /Count 8 (2b7a08845035484f80980aa360534190_19) [14 0 R /XYZ null 764 null] /Parent 2 0 R /Parent 2 0 R THE CHARLES SCHWAB CORPORATION << 3 0 obj /Resources 21 0 R February 2021 includes an outflow of $14.4 billion from a mutual fund clearing services client. The following SCHWAB (CHARLES) CORP conference call took place on October 27, 2015, 11:00 AM ET. /Names 4 0 R Recent call transcripts of Charles Schwab Corp. 2018. /Resources 37 0 R /Resources 39 0 R << This compares to earnings of $0.74 per share a . /Contents 22 0 R /F 2 >> >> Charles Schwab generated a profit of $1.6 billion in the first quarter of the year, it said Monday, faring better than Wall Street expected and seeming to ease recent concerns . << Charles Schwab Phone: 415-667-1525 INVESTORS/ANALYSTS: Jeff Edwards Charles Schwab Phone: 415-667-1524 SCHWAB REPORTS SECOND QUARTER RESULTS Core Net New Assets Total $108.8 Billion, a Second Quarter Record Client Assets Reach a Record $7.57 Trillion WESTLAKE, Texas, July 16, 2021 - The Charles Schwab Corporation announced today that its net . >> /CreationDate (D:20220715230048+00'00') The income tax effects of the non-GAAP adjustments are determined using an effective tax rate reflecting the exclusion of non-deductible acquisition costs and are used to present the acquisition and integration-related costs and amortization of acquired intangible assets on an after-tax basis. This is Rich Fowler, Head of Investor Relations, coming to you from a still. Good morning, everyone. heritage and a Main Street approach, these are the stories of our people, our culture, and Upgrade to MarketBeat All Access to add more stocks to your watchlist. /Resources 27 0 R Charles Schwab missed estimated earnings by 1.15%, reporting an EPS of $0.86 versus an estimate of $0.87, which did not surprise analysts. The companys preliminary Tier 1 Leverage Ratio was 6.2% at year-end 2021. Interest revenue or expense was less than $500 thousand in the period or periods presented. >> I cant say this enough Schwabs achievements are only possible because thousands of talented individuals show up for work every day, ready to continue creating a better version of modern wealth management for our clients. Brokerage Products: Not FDIC Insured No Bank Guarantee May Lose Value. Charles Schwab last released its quarterly earnings results on April 17th, 2023. 2 0 obj (844) 978-6257. << /Count 0 The light blue line represents the company's estimated revenue based on the consensus of Wall Street analysts for each quarter. /Dest [6 0 R /XYZ null 768 null] full-service wealth management leader, Explore our /Type /Page XBRL is not an accounting standard; it is simply a standard for transmitting business and financial data. After that, then what? Schwab Declares Common Stock Dividend and Declares Preferred Stock Dividends, Charles Schwab Celebrates 20 years of Schwab Volunteer Week, Schwab Reports Strong First Quarter Results, Charles Schwab Ranks #1 in J.D. /Contents 39 0 R Unauthorized access is prohibited. Its revenue was up 9.5% on a year-over-year basis. >> /Outlines 3 0 R (9c39be1f4da044a4952a43d29436c913_13) [11 0 R /XYZ null 580 null] 2023Charles Schwab & Co., Inc, All rights reserved. >> /Contents 23 0 R >> The Charles Schwab Corporation generally releases monthly activity reports on the 10th business day of February, March, May, June, August, September, November and December. (9c39be1f4da044a4952a43d29436c913_25) [15 0 R /XYZ null 722 null] 12 0 obj The Company also uses adjusted diluted EPS and return on tangible common equity as components of performance criteria for employee bonus and certain executive management incentive compensation arrangements. We kept the TDA integration on track, launched a newly combined version of our Schwab Advisor Network referral program, and hired over 3,000 client service professionals. Customer deposits dropped significantly in the first quarter, falling by $41 billion, or 11 percent, from the previous quarter. The Charles Schwab Corporation Monthly Activity Report For December 2021, Receiving Ongoing Advisory Services (at month end), Client Accounts (at month end, in thousands), Client Cash as a Percentage of Client Assets (5), Derivative Trades as a Percentage of Total Trades, Selected Average Balances (in millions of dollars), Average Bank Deposits Account Balances (7), Net Buys (Sells) (8,9) (in millions of dollars), Net Buy (Sell) Activity (in millions of dollars). >> /Contents 27 0 R /Parent 3 0 R With a challenger heritage and a Main Street approach, these are the stories of our people, our culture, and our mission. endobj 18 0 obj Advice solutions include managed portfolios, specialized strategies, and customized investment advice such as Schwab Private Client, Schwab Managed Portfolios, Managed Account Select, Schwab Advisor Network, Windhaven Strategies, ThomasPartners Strategies, Schwab Index Advantage advised retirement plan balances, Schwab Intelligent Portfolios, Institutional Intelligent Portfolios, Schwab Intelligent Portfolios Premium, TD Ameritrade AdvisorDirect, Essential Portfolios, Selective Portfolios, and Personalized Portfolios; as well as legacy non-fee advice solutions including Schwab Advisor Source and certain retirement plan balances. Is United Airlines Playing a Game of Limbo with Its Guidance? 10 0 obj Power 2023 Full-Service Investor Satisfaction Study, Schwab is a full-service wealth management leader, FINANCIAL REPORTS & PRESENTATIONS Placeholder, Our recent SEC filings include Form 10-Q, Form 10-K, Schwab is committed to building a diverse and inclusive workplace where everyone feels valued. << z#KuZG. Most of the 3,000-plus U.S.-based, publicly traded companies listed on major exchanges hold conference calls shortly after reporting quarterly earnings. 11 0 obj We believe diversity and inclusion are part of our success as a company and our purpose of serving every client with passion and integrity. /First 18 0 R /MediaBox [0.0 0.0 612.0 792.0] This press release contains forward-looking statements relating to strategic priorities; TD Ameritrade integration; investments to attract and retain talent, improve service and the client experience, expand products, services and offerings to meet client needs, diversify revenues, and drive scale and efficiency; growth opportunities; business momentum; balance sheet and capital position; growth in the client base, accounts, and assets; and stockholder value.
Remington Leith Father, What Does Lacn Mean On Jewelry, Articles C
charles schwab earnings call transcript 2023