ATLANTA--(BUSINESS WIRE)--Today, Catholic Charities of Atlanta, part of the Archdiocese of Atlanta and member of Catholic Charities USA, announced Jean Ann and Barry C. McCarthy as the recipients of the 2026 Bishop's Award. The McCarthy's two decade-long commitment to helping the less fortunate will be celebrated during the Annual Gala Soiree on February 21, 2026 at the Oceans Ballroom inside the Georgia Aquarium. The Bishop's Award is Catholic Charities Atlanta's highest honor, recognizing an. ...

Group 1 - TTM Technologies, Inc. (TTMI) has seen a 12.9% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - Advanced Energy Industries, Inc. (AEIS) has experienced a 9.5% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Deluxe Corporation (DLX) has reported an 11.1% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Ford Motor Company (F) has seen a 7% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3] - Simmons First National Corporation (SFNC) has experienced a 5.2% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3]

Core Insights - Three stocks with strong value characteristics and a buy rank are highlighted for investors: Deluxe Corporation, Slide Insurance Holdings, and Ford Motor Company [1][2][3] Company Summaries Deluxe Corporation - Provides integrated payments, data, and marketing solutions for businesses nationwide - Holds a Zacks Rank 1 - Zacks Consensus Estimate for current year earnings increased by 11.1% over the last 60 days - Price-to-earnings ratio (P/E) is 6.38, compared to the industry average of 10.80 - Possesses a Value Score of A [1][2] Slide Insurance Holdings, Inc. - An insurance company with a Zacks Rank 1 - Zacks Consensus Estimate for current year earnings increased by 4.9% over the last 60 days - Price-to-earnings ratio (P/E) is 6.24, compared to the industry average of 10.30 - Possesses a Value Score of B [2] Ford Motor Company - An automobile giant with a Zacks Rank 1 - Zacks Consensus Estimate for current year earnings increased by 7% over the last 60 days - Price-to-earnings ratio (P/E) is 9.28, compared to the industry average of 33.40 - Possesses a Value Score of A [3]

Shares of Deluxe (DLX) have gained 6.3% over the past four weeks to close the last trading session at $25.88, but there could still be a solid upside left in the stock if short-term price targets of Wall Street analysts are any indication. Going by the price targets, the mean estimate of $32.67 indicates a potential upside of 26.2%.The mean estimate comprises three short-term price targets with a standard deviation of $2.08. While the lowest estimate of $31.00 indicates a 19.8% increase from the current pri ...

Financial Performance - Adjusted EBITDA increased by $19.4 million to $431.5 million, with an adjusted EBITDA margin of 20.2%, up from 19.4% in 2024 [211] - Net income increased by $29.3 million to $82.2 million, benefiting from pricing strategies and lower amortization expenses [213] - Net income increased by 55.4% to $82.2 million in 2025 from $52.9 million in 2024, with diluted EPS rising by 52.5% to $1.80 [233] - Free cash flow increased to $175.3 million in 2025 from $100.0 million in 2024, driven by higher net cash provided by operating activities [235] - Merchant Services segment total revenue increased by 3.8% to $398.6 million in 2025, with adjusted EBITDA rising by 9.4% to $85.9 million [249] - B2B Payments segment total revenue grew by 0.9% to $290.5 million, with adjusted EBITDA increasing by 12.8% to $64.4 million [252] - Data Solutions segment total revenue surged by 31.3% to $307.3 million, driven by strong demand for customer acquisition marketing, with adjusted EBITDA up 42.8% to $86.4 million [255] - Print segment total revenue decreased by 5.7% to $1,136.8 million, with adjusted EBITDA declining by 2.6% to $366.9 million, primarily due to reduced demand for promotional products [258] Cash Flow and Liquidity - Net cash provided by operating activities rose by $76.3 million to $270.6 million, driven by pricing strategies and cost management initiatives [211] - Free cash flow increased by $75.3 million to $175.3 million, reflecting the same factors that contributed to the rise in net cash provided by operating activities [211] - Cash and cash equivalents as of December 31, 2025, were $36.9 million, with restricted cash totaling $276.1 million [261] - As of December 31, 2025, the company held cash and cash equivalents of $36.9 million, with an additional $379.6 million available for borrowing [217] Expenses and Cost Management - Total cost of revenue rose by 0.7% to $1,002.5 million, with total cost of revenue as a percentage of total revenue at 47.0% [221] - SG&A expense decreased by 3.9% to $873.3 million, with SG&A as a percentage of total revenue dropping to 40.9% [224] - SG&A expense as a percentage of total revenue decreased in 2025 compared to 2024, due to cost management actions and lower amortization and bad debt expense, despite an increase in medical costs [225] - Restructuring and integration expense decreased by 60.3% to $19.3 million in 2025 from $48.6 million in 2024, reflecting initiatives to align the business with growth strategy and enhance operational efficiency [226] - Asset impairment charges decreased by 26.0% to $5.7 million in 2025 from $7.7 million in 2024, related to exiting a joint venture for a business payment distribution technology platform [227] - Interest expense decreased by 1.1% to $122.0 million in 2025 from $123.3 million in 2024, primarily due to a reduction in average debt outstanding [229] Debt and Capital Expenditures - Total debt decreased by $73.7 million to $1,429.4 million as of December 31, 2025, from $1,503.1 million in 2024 [236] - Total debt principal decreased to $1.44 billion in 2025 from $1.52 billion in 2024, with a fixed interest rate of 8.1% and a floating interest rate of 5.8% [268] - The company anticipates capital expenditures between $90.0 million and $100.0 million in 2026, compared to $95.3 million in 2025 [266] - As of December 31, 2025, total debt outstanding was $1,429.4 million, with an effective interest rate of 7.3% [292] Goodwill and Impairment - Goodwill totaled $1.42 billion, representing 49.7% of total assets as of December 31, 2025 [280] - The company recorded goodwill impairment charges of $7.7 million in 2024 due to the exit from the payroll and human resources services business [286] Revenue Recognition and Assets - Revenue recognition for certain contracts involves estimating variable consideration, with conditional contract assets amounting to $19.0 million as of December 31, 2025 [278] - The company had $29.8 million in prepaid product discounts recorded as other non-current assets as of December 31, 2025 [275] - Sales commissions and contract acquisition costs totaled $17.1 million as of December 31, 2025, amortized over two to five years [277] - The company had outstanding $475.0 million of 8.0% senior unsecured notes and $450.0 million of 8.125% senior secured notes as of December 31, 2025 [290] Future Outlook - The company anticipates that the North Star initiatives will continue to deliver incremental benefits to operating results in 2026 [244] - The North Star program incurred approximately $114.0 million in restructuring and integration expenses, with expected additional cost savings of $2.0 million in cost of sales and $13.0 million in SG&A expense during 2026 [246] - A one percentage point change in the weighted-average interest rate would result in a $5.0 million impact on interest expense in 2026 [292]

Core Viewpoint - Momentum investing focuses on following a stock's recent price trends, with the aim of buying high and selling higher, capitalizing on established price movements [1] Company Overview: Deluxe (DLX) - Deluxe currently holds a Momentum Style Score of B and a Zacks Rank of 1 (Strong Buy), indicating strong potential for outperformance [2][3] - The stock has shown significant price increases, with an 8.96% rise over the past week, compared to a 0.22% increase in the Zacks Business - Office Products industry [5] - Over the past month, Deluxe shares have increased by 27.05%, outperforming the industry's 8.56% [5] - In the last quarter, shares of Deluxe have risen by 35.94%, and by 24.8% over the past year, while the S&P 500 has only increased by 1.9% and 15.32% respectively [6] Trading Volume - The average 20-day trading volume for Deluxe is 578,329 shares, which serves as a bullish indicator when combined with rising stock prices [7] Earnings Outlook - In the past two months, one earnings estimate for Deluxe has increased, raising the consensus estimate from $3.71 to $3.88 [9] - For the next fiscal year, one estimate has also moved upwards, with no downward revisions during the same period [9] Conclusion - Given the strong performance metrics and positive earnings outlook, Deluxe is positioned as a promising investment opportunity with a Momentum Score of B and a Zacks Rank of 1 (Strong Buy) [11]

Core Viewpoint - Deluxe (DLX) has shown strong stock performance, with shares increasing by 28% over the past month and reaching a new 52-week high of $28.24 [1] Performance Summary - Deluxe has outperformed the Zacks Business Services sector, gaining 24.7% year-to-date compared to the sector's -3.3% and the Zacks Business - Office Products industry's 18.8% return [1] Earnings Performance - The company has a strong record of positive earnings surprises, beating the Zacks Consensus Estimate in the last four quarters, with the latest EPS reported at $0.96 against an estimate of $0.83 [2] Earnings Forecast - For the current fiscal year, Deluxe is expected to post earnings of $3.88 per share on revenues of $2.13 billion, reflecting a 5.72% change in EPS and a -0.2% change in revenues. For the next fiscal year, earnings are projected at $4.42 per share on revenues of $2.16 billion, indicating a year-over-year change of 13.92% and 1.49%, respectively [3] Valuation Metrics - Deluxe trades at 7.2X current fiscal year EPS estimates, below the peer industry average of 9.5X. On a trailing cash flow basis, it trades at 4.5X compared to the peer group's average of 6.8X. The stock has a PEG ratio of 0.6, positioning it favorably for value investors [7] Style Scores - Deluxe has a Value Score of A, a Growth Score of B, and a Momentum Score of D, resulting in a combined VGM Score of A, indicating strong value potential [6] Zacks Rank - The stock holds a Zacks Rank of 1 (Strong Buy) due to a solid earnings estimate revision trend, making it a suitable choice for investors looking for high-ranking stocks [8]

Core Insights - Deluxe reported strong financial performance for fiscal 2025, with comparable adjusted EBITDA of $431.5 million, a 6.2% increase from the previous year, and an adjusted EBITDA margin of 20.2% [1][7] - Total revenue for the year reached $2.133 billion, reflecting a 0.5% increase on a reported basis and a 1.1% increase on a comparable adjusted basis [2] - The company achieved a GAAP net income of $85.3 million, up from $52.9 million in 2024, driven by revenue growth and improved operating margins [2] Financial Performance - Comparable adjusted EPS increased by 12.6% to $3.67, attributed to higher operating profits and lower interest expenses [1] - Free cash flow climbed to $175.3 million, up from $100 million in 2024, with net debt reduced by $76.2 million to $1.39 billion [8] - The net debt to adjusted EBITDA ratio improved to 3.2x, down from 3.6x a year earlier [8] Strategic Focus - The company is shifting its business mix towards Payments and Data, which now account for 47% of revenue, with Data revenue growing by 31.3% to $307.3 million [6][9] - Management expects Payments and Data to reach revenue parity with Print by 2026, aligning with the long-term goal of transforming into a payments and data company [6][9] - Deluxe is implementing AI across various business areas, enhancing marketing, customer service, and operational efficiency [17] Segment Performance - In the Print segment, revenue declined by 5.7% to $1.14 billion, consistent with a low-to-mid-single-digit secular decline [12] - Merchant Services revenue increased by 3.8% to $398.6 million, with adjusted EBITDA rising by 9.4% [10] - B2B Payments revenue grew by 0.9% to $290.5 million, with adjusted EBITDA reflecting a 12.8% growth [11] 2026 Guidance - Management provided guidance for 2026, projecting revenue between $2.11 billion and $2.175 billion, adjusted EBITDA of $445 million to $470 million, and adjusted EPS of $3.90 to $4.30 [19] - Segment expectations include mid-single-digit growth for Merchant, low single-digit growth for B2B, and mid- to high-single-digit growth for Data, while Print is expected to see low- to mid-single-digit declines [15]

Core Insights - Deluxe (DLX) reported quarterly earnings of $0.96 per share, exceeding the Zacks Consensus Estimate of $0.83 per share, and showing an increase from $0.84 per share a year ago, resulting in an earnings surprise of +15.21% [1] - The company achieved revenues of $535.3 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 4.33% and up from $520.5 million year-over-year [2] Earnings Performance - Over the last four quarters, Deluxe has consistently surpassed consensus EPS estimates, achieving this four times [2] - The company also topped consensus revenue estimates three times in the last four quarters [2] Stock Performance - Deluxe shares have increased approximately 9.3% since the beginning of the year, outperforming the S&P 500, which gained 1.9% [3] Future Outlook - The future performance of Deluxe's stock will largely depend on management's commentary during the earnings call and the company's earnings outlook [4][6] - The current consensus EPS estimate for the upcoming quarter is $0.74 on revenues of $526.4 million, and for the current fiscal year, it is $3.70 on revenues of $2.13 billion [7] Industry Context - The Business - Office Products industry, to which Deluxe belongs, is currently ranked in the top 41% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8] - Another company in the same industry, HNI, is expected to report quarterly earnings of $0.91 per share, reflecting a year-over-year increase of +4.6% [9]

Financial Data and Key Metrics Changes - Total revenue for 2025 was $2.133 billion, a 0.5% increase compared to 2024, and a 1.1% increase on a comparable adjusted basis [18] - GAAP net income improved to $85.3 million, or $1.87 per share, up from $52.9 million, or $1.18 per share in 2024 [18] - Comparable adjusted EBITDA was $431.5 million, a 6.2% increase from the previous year, with adjusted EBITDA margins expanding by 90 basis points to 20.2% [18][19] - Comparable adjusted EPS grew by 12.6% to $3.67 from $3.26 in 2024 [19] Business Line Data and Key Metrics Changes - Merchant services revenue for 2025 was $398.6 million, growing by 3.8% compared to 2024, with adjusted EBITDA at $85.9 million, a 9.4% increase [19][20] - B2B payment segment revenue finished at $290.5 million, reflecting a 0.9% growth, with adjusted EBITDA at $64.4 million, a 12.8% increase [22][23] - Data-driven marketing business revenue reached $307.3 million, a 31.3% increase year-over-year, with adjusted EBITDA at $86.4 million, reflecting a 28.1% margin rate [25][26] - Print business revenue was $1.14 billion, a decline of 5.7% compared to the previous year, with adjusted EBITDA at $366.9 million, a 2.6% decline [28][29] Market Data and Key Metrics Changes - Payments and data now account for 47% of total revenue, up from 43% a year ago, with expectations to achieve revenue parity with print businesses later in 2026 [5][7] - The data segment expanded its revenue by over 30% year-over-year, indicating strong demand across market verticals [8] - The print segment continues to experience secular decline, with legacy check revenue declining by 1.8% [28] Company Strategy and Development Direction - The company is focused on shifting its revenue mix towards payments and data, aiming for ongoing profitable growth [6][7] - There is a strong emphasis on driving operational efficiencies and improving margins across all business segments [13][14] - The company aims to increase cash flow generation to lower net debt and improve leverage ratios, with a target of achieving a leverage ratio of 3 times or lower [15][32] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the operating environment, noting traditional consumer behavior patterns stabilizing [46] - The company anticipates continued growth in the data segment, with expectations for double-digit growth in the first half of 2026 [49] - Management highlighted the importance of executing their strategic priorities to achieve a strong trajectory heading into 2026 [39] Other Important Information - The company generated $175 million of free cash flow in 2025, achieving its 2026 goal a year early [5] - The board approved a regular quarterly dividend of $0.30 per share, payable on February 23, 2026 [34] Q&A Session Summary Question: How is Deluxe positioned to respond to trends in AI and agentic commerce? - Management stated that Deluxe is well-positioned, having applied AI technology across multiple business areas, leading to improved performance and significant revenue growth in the data-driven marketing business [42][44] Question: What are the primary objectives for the business in 2026? - The main objectives include shifting the revenue mix towards payments and data, driving operational efficiency, and generating cash flow to lower debt [55][56] Question: What does the pipeline look like for 2026 in terms of distribution growth? - Management indicated a robust pipeline for the ISV distribution channel, with ongoing investments in improving API suites and reporting tools [57][58] Question: What are the opportunities for build versus buy decisions in investments? - Management emphasized a balanced approach, making responsible acquisitions while also focusing on internal capability development to enhance business growth [65][66]