Group 1 - The Charles Schwab Corporation (SCHW) has outperformed the Finance sector with a year-to-date performance increase of 25.2%, compared to the sector average gain of 14.2% [4] - The Zacks Consensus Estimate for SCHW's full-year earnings has increased by 3.7% over the past quarter, indicating improved analyst sentiment and a stronger earnings outlook [4] - SCHW currently holds a Zacks Rank of 2 (Buy), suggesting a favorable investment outlook based on earnings estimates and revisions [3] Group 2 - The Charles Schwab Corporation is part of the Financial - Investment Bank industry, which has an average gain of 29.9% this year, indicating that SCHW is slightly underperforming its industry [6] - The Finance group includes 863 companies, with SCHW being a member of the top-ranked sector at 1 in the Zacks Sector Rank [2] - Another Finance stock, Popular (BPOP), has also shown strong performance with a year-to-date return of 23.7% and a Zacks Rank of 2 (Buy) [5][7]

Core Viewpoint - Eli Lilly and Co is experiencing a decline in share price following the announcement of price cuts for its weight loss drug Zepbound, which may impact investor sentiment and market performance [1][2]. Group 1: Price Changes - The prices for Zepbound's single-dose vials have been reduced to $299 for the 2.5 mg vial and $399 for the 5 mg vial, down from previous prices of $349 and $499 respectively [1]. - The new pricing will be available through the company's direct-to-consumer platform, LillyDirect [1]. Group 2: Stock Performance - Eli Lilly's shares are down 0.8%, trading at $1,066.96, marking the third consecutive daily loss and a pullback from last week's record high of $1,112 [1][2]. - Despite the recent decline, the stock has shown a 34% year-over-year increase, indicating strong long-term performance [2]. Group 3: Options Activity - There has been an increase in call options activity, with a call/put volume ratio of 2.23, ranking higher than 93% of readings from the past year [2]. - The Schaeffer's put/call open interest ratio (SOIR) stands at 0.70, indicating that short-term traders are placing bullish bets [3]. - Eli Lilly's Schaeffer's Volatility Index (SVI) is at 31%, suggesting that near-term option traders are anticipating relatively low volatility [3].

Core Viewpoint - Popular, a regional bank serving Puerto Rico and beyond, reported significant insider selling by Richard L. Carrion amid an 18.7% one-year total return [1][4]. Transaction Summary - Richard L. Carrion sold 25,000 shares for approximately $2.8 million, reducing his direct ownership from 218,020 shares to 193,020 shares, which now have a post-transaction value of about $21.8 million [2][6]. - The shares were sold at a weighted average price of $113.50 per share, while the stock closed at $112.86 on the transaction date [6]. Company Overview - Popular generated a revenue of $2.98 billion and a net income of $775.66 million over the trailing twelve months (TTM) [4]. - The company has a dividend yield of 2.68% and a one-year price change of 18.69% as of November 24, 2025 [4]. Insider Trading Context - The sale represented 11.47% of Carrion's direct holdings prior to the transaction [6]. - This transaction is notable as it is the only open-market sale by Carrion in the past two years, with previous filings being administrative entries [6]. Stock Performance - Popular's stock has been performing well, with a net interest income of $646.5 million in Q3 2025, up from $572.5 million in 2024, contributing to a net income of $211.3 million compared to $155.3 million in the prior year [11]. - The stock reached a 52-week high of $129.32 in September 2025, and analysts predict an average price target of $143.11 as of November 28, 2025 [10]. Investment Perspective - Despite the insider selling, there is no immediate concern for shareholders, as Carrion retains over 193,000 direct shares and an additional 74,467 shares indirectly [9]. - Popular's price-to-earnings ratio of 10 is lower than it has been for most of the past year, indicating that the stock may be undervalued and suggesting it could be a good time to buy [12].

Core Viewpoint - Shares of Popular (BPOP) have shown a modest gain of 0.3% over the past four weeks, closing at $112.86, with analysts suggesting a potential upside of 26.8% based on a mean price target of $143.11 [1] Price Targets - The average price target consists of nine estimates ranging from a low of $127.00 to a high of $160.00, with a standard deviation of $10.72, indicating a potential increase of 12.5% to 41.8% from the current price [2] - A low standard deviation suggests a high degree of agreement among analysts regarding the stock's price movement, which can serve as a starting point for further research [9] Analyst Sentiment - Analysts have shown increasing optimism about BPOP's earnings prospects, as evidenced by a strong consensus in revising EPS estimates higher, which correlates with potential stock price increases [11] - Over the last 30 days, one estimate has increased while there have been no negative revisions, leading to a 1.8% rise in the Zacks Consensus Estimate for the current year [12] Zacks Rank - BPOP holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate factors, indicating a strong potential for upside in the near term [13] Conclusion on Price Targets - While the consensus price target may not be a reliable measure of the extent of potential gains, it does provide a useful guide for the direction of price movement [14]

Core Insights - Three stocks with strong value characteristics and a Zacks Rank 1 (Strong Buy) are highlighted for investors to consider on November 17th [1][2][3] Group 1: SkyWest (SKYW) - SkyWest operates as a regional airline in the United States [1] - The Zacks Consensus Estimate for its current year earnings has increased by 3.8% over the last 60 days [1] - SkyWest has a price-to-earnings ratio (P/E) of 9.35, compared to 11.30 for the industry [1] - The company possesses a Value Score of A [1] Group 2: FIRST MID BNCSH (FMBH) - FIRST MID BNCSH provides a full suite of financial services including banking, wealth management, brokerage, Ag services, and insurance primarily in Illinois, Missouri, and Texas [2] - The Zacks Consensus Estimate for its current year earnings has increased by 2.1% over the last 60 days [2] - FIRST MID BNCSH has a price-to-earnings ratio (P/E) of 9.40, compared to 30.30 for the industry [2] - The company possesses a Value Score of B [2] Group 3: Popular (BPOP) - Popular is a full-service financial services provider with operations in Puerto Rico, the U.S. mainland, and the U.S. and British Virgin Islands [3] - The Zacks Consensus Estimate for its current year earnings has increased by 3.6% over the last 60 days [3] - Popular has a price-to-earnings ratio (P/E) of 9.80, compared to 10.30 for the industry [3] - The company possesses a Value Score of B [3]

Core Insights - Three stocks are highlighted with strong buy rankings and attractive income characteristics for investors to consider on November 17th Group 1: TPG RE Finance Trust (TRTX) - TPG RE Finance Trust is a commercial real estate finance company focusing on originating, acquiring, and managing commercial mortgage loans and related debt instruments [1] - The Zacks Consensus Estimate for its current year earnings has increased by 1% over the last 60 days [1] Group 2: Preferred Bank (PFBC) - Preferred Bank is one of the largest independent commercial banks in California, targeting the Chinese-American market [2] - The Zacks Consensus Estimate for its current year earnings has risen by 5.6% over the last 60 days [2] - The company has a dividend yield of 3.3%, compared to the industry average of 3.1% [2] Group 3: Popular (BPOP) - Popular is a full-service financial services provider offering a wide range of banking and financial services [3] - The Zacks Consensus Estimate for its current year earnings has increased by 3.6% over the last 60 days [3] - The company has a dividend yield of 2.6%, which is higher than the industry average of 2.2% [4]

Core Points - Popular, Inc. has announced a quarterly cash dividend of $0.75 per share on its outstanding common stock [1] - The dividend is set to be payable on January 2, 2026, to shareholders of record as of the close of business on December 5, 2025 [1] - Popular, Inc. is recognized as the leading financial institution in Puerto Rico by both assets and deposits, and ranks among the top 50 U.S. bank holding companies [1]

Core Insights - Nebius Group (NASDAQ:NBIS) shares increased by 5.8% to $103.53 despite a larger-than-expected net income loss and revenue miss for Q3, driven by a $3 billion AI infrastructure deal with Meta Platforms [1] - The company recently secured a $19 billion deal with Microsoft in September, indicating strong partnerships in the AI sector [1] Stock Performance - NBIS shares have pulled back from an October 10 record high of $141.10 but are supported by a $100 floor and an ascending 50-day moving average [2] - The stock has surged 300% since January, reflecting significant growth [2] - Short interest has decreased by 5.2%, accounting for 10.9% of the stock's total available float, or 22.54 million shares, indicating a potential shift in market sentiment [2] Volatility and Trading - Nebius Group stock tends to outperform options traders' volatility expectations, with a Schaeffer's Volatility Scorecard (SVS) rating of 87 out of 100 [3]

Financial Performance - The Corporation's net income for Q3 2025 was $211.3 million, an increase of $56.0 million from $155.3 million in Q3 2024[301]. - Net interest income reached $646.5 million, up $74.0 million compared to Q3 2024, driven by lower deposit costs and loan growth[302]. - Non-interest income increased to $171.2 million, a rise of $7.1 million from Q3 2024, mainly due to higher credit and debit card fees[305]. - The net income per common share for Q3 2025 was $3.15, an increase of $0.99 from $2.16 in Q3 2024[307]. - Adjusted net income for the nine months ended September 30, 2024, was $595.572 million, with a total income tax expense of $127.241 million, resulting in a net income of $468.331 million[313]. - Banco Popular de Puerto Rico's net income for Q3 2025 was $189.0 million, up from $125.8 million in Q3 2024, representing a 50.2% increase[347]. - Net income for the nine months ended September 30, 2025, was $342,681 thousand, down from $423,046 thousand in the prior year[427]. Income and Expenses - Operating expenses amounted to $495.3 million, reflecting an increase of $28.0 million from Q3 2024, driven by higher personnel costs[305]. - Total operating expenses for the nine months ended September 30, 2025, increased by $59.7 million when excluding certain prior period tax withholdings and FDIC Special Assessment impacts[335]. - Personnel costs increased by $31.1 million in Q3 2025, driven by higher incentives and salaries, with total personnel costs reaching $232.988 million[338]. - The effective tax rate for Q3 2025 was 14.5%, down from 21.5% in Q3 2024, with an income tax expense of $36.0 million compared to $42.5 million in the prior year[339]. Assets and Liabilities - Total assets as of September 30, 2025, were $75.1 billion, an increase of $2.1 billion from $73.0 billion at the end of 2024[305]. - Total liabilities increased by $1.5 billion to $69.0 billion as of September 30, 2025[358]. - Stockholders' equity rose to $6.1 billion, compared to $5.6 billion at the end of 2024, with a tangible book value per share of $79.12[305]. - The Corporation's net deferred tax asset was $835.5 million as of September 30, 2025, net of a valuation allowance of $465.0 million[341]. Credit Losses and Provisions - The provision for credit losses was $75.1 million, an increase of $3.7 million from the previous year, primarily due to higher reserves in commercial loans[302]. - The total allowance for credit losses for loans held-in-portfolio amounted to $786.2 million as of September 30, 2025, compared to $746.0 million as of December 31, 2024, with a ratio of 2.03%[331]. - The provision for loan losses for the nine months ended September 30, 2025, in the BPPR segment was $168.5 million, a decrease of $18.3 million compared to the same period in 2024[333]. - The provision for loan losses in the Popular U.S. segment for the nine months ended September 30, 2025, was $20.8 million, an increase of $18.2 million driven by changes in credit quality within the commercial portfolio[333]. Deposits and Funding - Deposits increased to $66.5 billion, up $1.6 billion from December 31, 2024, driven by higher time deposits[305]. - Total deposits as of September 30, 2025, amounted to $66,513,404 thousand, with a breakdown of $54,877,997 thousand from BPPR and $12,161,598 thousand from Popular U.S.[402]. - Core deposits represented 92% of total deposits at $60.9 billion as of September 30, 2025, consistent with 92% at $59.9 billion as of December 31, 2024[398]. - The Corporation's borrowings totaled $1.2 billion, an increase of $70.7 million from December 31, 2024, primarily due to higher FHLB advances[363]. Non-Performing Assets - The Corporation's non-performing assets (NPAs) totaled $545.2 million as of September 30, 2025, an increase of $137.1 million compared to December 31, 2024[446]. - Non-performing loans (NPLs) reached $502.2 million, up by $151.4 million from December 31, 2024, with a ratio of NPLs to total loans held-in-portfolio at 1.30%[450][451]. - The ratio of non-performing assets to total assets increased to 0.84% from 0.61% in the previous period[458]. - The total inflows of NPLs at the BPPR segment increased by $205.2 million compared to the same period in 2024[460]. Economic Environment - The Puerto Rico Planning Board estimates real GNP growth of 2.1% for fiscal year 2024 and 1.1% for fiscal year 2025, with a forecast of 0.5% growth for fiscal year 2026[433]. - The U.S. Consumer Price Index showed a year-over-year increase of 3.0% as of September 2025, while Puerto Rico's Consumer Price Index increased by 1.9%[434]. - The economic challenges in Puerto Rico have led to increased delinquencies and charge-offs, impacting the Corporation's overall financial stability[443].

Group 1: Palantir Technologies - Palantir Technologies has seen a remarkable stock return of 1,960% since the launch of ChatGPT in November 2022, but analysts believe the stock is overvalued [1][3] - The company reported a 63% increase in revenue to $1.1 billion for the third quarter, marking the ninth consecutive quarter of revenue acceleration, with non-GAAP earnings more than doubling to $0.21 per diluted share [4] - Despite strong fundamentals, Palantir's stock trades at a valuation of 108 times sales, significantly higher than the next closest competitor at 38 times sales, indicating a potential 60% downside from its current price of $178 [5][7] Group 2: Nvidia - Nvidia holds over 90% market share in data center GPUs and is recognized for its leadership in generative AI networking equipment, but analysts have set a target price of $100 per share, implying a 46% downside from its current price of $188 [8][7] - Concerns have arisen regarding Nvidia's market position due to competition from Chinese AI labs and U.S. export restrictions, which have significantly impacted its ability to operate in China, reducing its market share from 95% to near zero [9][11] - Despite these challenges, Nvidia's stock trades at 54 times earnings, which is considered reasonable given the forecasted earnings growth of 36% annually over the next three years, suggesting it remains a worthwhile investment in the AI sector [12]