Here are three stocks with buy rank and strong value characteristics for investors to consider today, Nov. 19th:  Jackson Financial (JXN) : This company, which is a U.S. retirement services provider, supported by its diverse portfolio of differentiated products, carries a Zacks Rank #1 (Strong Buy), and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 1.7% over the last 60 days.Jackson Financial has a price-to-earnings ratio (P/E) of 4.37 compared with 10.80 for the indust ...

Core Insights - Three stocks are highlighted with strong income characteristics and a buy rank as of November 19th Group 1: First Hawaiian (FHB) - First Hawaiian offers a range of banking services including deposit products, lending services, and wealth management [1] - The Zacks Consensus Estimate for its current year earnings has increased by 4.9% over the last 60 days [1] - The company has a dividend yield of 4.5%, surpassing the industry average of 3.1% [2] Group 2: OP Bancorp (OPBK) - OP Bancorp provides commercial banking services to both retail and institutional customers [2] - The Zacks Consensus Estimate for its current year earnings has increased by 4.7% over the last 60 days [2] - The company has a dividend yield of 3.8%, compared to the industry average of 1.2% [2] Group 3: Jackson Financial (JXN) - Jackson Financial is a U.S. retirement services provider with a diverse portfolio of differentiated products [3] - The Zacks Consensus Estimate for its current year earnings has increased by 1.7% over the last 60 days [3] - The company has a dividend yield of 3.5%, which is higher than the industry average of 1.6% [3]

Financial Data and Key Metrics Changes - Adjusted operating earnings for Q3 2025 were $433 million, an increase of over 20% from the previous year, primarily driven by the retail annuities business [4][12] - Free capital generation exceeded $1 billion year-to-date, with free cash flow at $719 million [9][28] - The risk-based capital (RBC) ratio ended the quarter at an estimated 579%, significantly above the minimum target of 425% [10][31] Business Line Data and Key Metrics Changes - Retail annuity sales reached over $5 billion for the quarter, the highest since the company became independent, with RILA sales accounting for 38% of total retail annuity sales [4][5] - RILA account balance increased to nearly $18 billion, a 21% increase from the previous quarter and a 74% increase year-over-year [5][15] - Variable annuity sales increased by 13% from the second quarter and 8% year-over-year, with sales without a lifetime benefit up 24% year-to-date [6][12] Market Data and Key Metrics Changes - Average retail annuity assets under management (AUM) rose to $263 billion, reflecting strong non-variable annuity net flows and separate account performance [18] - Strong equity market performance led to nearly $25 billion in separate account investment performance year-to-date, exceeding variable annuity net outflows by over $11 billion [17][30] Company Strategy and Development Direction - The company focuses on product innovation and consumer choice, with recent launches in fixed index annuities expected to contribute to future sales growth [8][10] - The strategy includes diversifying the business mix by increasing spread product sales while maintaining capital flexibility for shareholder returns [9][40] - The company aims to leverage its investment manager's capabilities to enhance competitiveness and profitability in spread-based products [8][12] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining long-term leadership in the annuity market, supported by a resilient capital position and effective risk management strategies [11][33] - The company anticipates continued strong performance in the fourth quarter, expecting to exceed its capital return target range of $700-$800 million for 2025 [9][10] - Management highlighted the importance of ongoing investments in long-term growth and capital return to shareholders [10][30] Other Important Information - The board approved a $1 billion increase to the common share repurchase authorization and a cash dividend of $0.80 per common share for the fourth quarter [10][30] - The company has returned nearly $2.5 billion to common shareholders since becoming independent, exceeding its initial market capitalization [9][30] Q&A Session Summary Question: Actual to expected policyholder behavior - Management noted that the surrender rate has increased, primarily due to higher equity markets influencing surrender activity, but emphasized that they will review long-term assumptions based on comprehensive analysis [35][36] Question: RBC target and excess capital - Management confirmed that they have substantial excess capital and expect the RBC ratio to decrease over time as they diversify into more spread-type products while continuing to return capital [39][40] Question: Strategic value of closed-block segments - Management stated that the closed-block segment provides balance to the overall structure and closely monitors its performance, although it is not a significant portion of the balance sheet [40][41] Question: Hedging strategy and comparison with peers - Management expressed confidence in their hedging structure, highlighting that their approach allows for efficient risk management without the constraints faced by peers [42][43] Question: Impact of actuarial review on Brook RE - Management indicated that they expect minimal impacts at JNL from the actuarial review, with Brook RE anticipated to be self-sustaining in the long term [46][47]

Financial Performance - Jackson Financial Inc reported GAAP earnings of $65 million, or $092 per diluted common share[8, 9] - Adjusted Operating Earnings were $433 million, or $616 per diluted common share[9] - The company returned $210 million of capital to common shareholders through dividends and repurchases[9] - Free cash flow was $216 million, representing cash distributed to JFI net of JFI expenses[10] Capital and Liquidity - Jackson National Life Insurance Company (JNL) estimated risk-based capital (RBC) ratio was 579%[9] - Holding company cash and highly liquid securities exceeded $750 million[14] - After-Tax Statutory Capital Generation was $579 million[51] Sales and Business Segments - Retail annuity sales increased by 22% compared to the second quarter of 2025[11] - Record RILA sales reached $21 billion, a 49% increase from the second quarter of 2025 and a 28% increase from the third quarter of 2024[31] - PPM America's assets under management (AUM) increased by 18% compared to the third quarter of 2024[31]

Core Viewpoint - Jackson Financial (JXN) shares have shown modest performance over the past year, trading essentially flat after a significant sell-off in April, but have since rallied approximately 40% from the lows to return to flat levels [1] Group 1: Stock Performance - The stock was heavily impacted during the April sell-off [1] - Following the sell-off, Jackson Financial shares have rebounded by about 40% from their lowest point [1] - Overall, the stock has remained flat over the past year despite the fluctuations [1]

Core Insights - Jackson Financial (JXN) reported quarterly earnings of $6.16 per share, exceeding the Zacks Consensus Estimate of $5.1 per share, and showing an increase from $4.6 per share a year ago, resulting in an earnings surprise of +20.78% [1] - The company generated revenues of $1.9 billion for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 0.76% and up from $1.75 billion year-over-year [2] - Jackson Financial has outperformed consensus EPS estimates three times over the last four quarters and has topped revenue estimates twice in the same period [2] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $5.67, with expected revenues of $1.93 billion, and for the current fiscal year, the EPS estimate is $20.72 on revenues of $7.27 billion [7] - The company's favorable estimate revisions trend prior to the earnings release has resulted in a Zacks Rank 2 (Buy), indicating expected outperformance in the near future [6] Industry Context - The Insurance - Life Insurance industry, to which Jackson Financial belongs, is currently ranked in the top 20% of over 250 Zacks industries, suggesting a positive outlook for stocks within this sector [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]

Financial Performance - Jackson Financial Inc. reported significant revenues primarily from fee income, spread income, and margins on insurance products[286]. - Net income attributable to common shareholders for Q3 2025 was $65 million, a significant improvement from a loss of $480 million in Q3 2024[291]. - Adjusted Operating Earnings for Q3 2025 increased to $433 million, compared to $350 million in Q3 2024, while for the nine months ended September 30, 2025, it reached $1,159 million, up from $1,094 million in the same period last year[291]. - Total revenues for the nine months ended September 30, 2025, increased to $4,695 million, up from $3,046 million in the same period of 2024, representing a growth of 54.0%[337]. - The company experienced a pretax income of $72 million for the three months ended September 30, 2025, a significant improvement from a pretax loss of $579 million in the same period of 2024[338]. - Net investment income for the three months ended September 30, 2025, was $856 million, an increase of 17.9% from $726 million in the same period of 2024[337]. - The company reported a total of $1,344 million in benefits and expenses for the three months ended September 30, 2025, down from $2,700 million in the same period of 2024[337]. Business Segments - The company manages its business through three reportable segments: Retail Annuities, Institutional Products, and Closed Life and Annuity Blocks[289]. - Total retail annuity sales for Q3 2025 were $5,362 million, slightly up from $5,272 million in Q3 2024, and for the nine months ended September 30, 2025, total sales reached $13,773 million, compared to $13,192 million in the prior year[297]. - Operating revenues for the Retail Annuities segment totaled $1,411 million for the three months ended September 30, 2025, compared to $1,344 million for the same period in 2024[348]. - Total operating revenues for the Institutional Products segment rose to $148 million in Q3 2025 from $101 million in Q3 2024, reflecting strong performance in net investment income[354]. - For the Closed Life and Annuity Blocks segment, pretax adjusted operating earnings improved by $8 million to $15 million for Q3 2025, compared to $7 million in Q3 2024, mainly due to a $50 million increase in spread income[359]. Assets and Investments - The company holds significant assets due to funds withheld reinsurance arrangements, including the Athene Reinsurance Transaction, which impacts investment performance[287]. - As of September 30, 2025, total assets under management (AUM) reached $350,322 million, up from $324,718 million as of December 31, 2024, reflecting a growth of approximately 7.5%[305]. - Jackson invested assets increased to $55,285 million as of September 30, 2025, compared to $46,143 million at the end of 2024, representing a growth of about 19.9%[305]. - Total investments reached $67,691 million as of September 30, 2025, compared to $61,007 million at December 31, 2024, representing an increase of 10.9%[370]. - Available-for-sale debt securities increased to $46,087 million as of September 30, 2025, from $40,289 million at December 31, 2024, representing a growth of 14.0%[370]. Cash Flow and Shareholder Returns - Free cash flow for the parent company was $216 million in Q3 2025, down from $278 million in Q3 2024, while for the nine months ended September 30, 2025, it was $719 million compared to $527 million in the same period last year[292]. - The company returned $657 million to common shareholders from January 1, 2025, to September 30, 2025, consisting of $173 million in dividends and $484 million in share repurchases[292]. - During Q3 2025, Jackson Financial paid cash dividends totaling $67 million, including $56 million for common stock and $11 million for preferred stock[410]. - A total of 5,523,157 shares of common stock were repurchased for $484 million in the nine months ended September 30, 2025[412]. Risk Management and Regulatory Environment - The company emphasizes disciplined risk management and efficient operating platforms as core strengths[284]. - Net income volatility is experienced due to the lack of direct hedging against market risk benefit liabilities[288]. - The company is subject to various economic, industry, and regulatory trends that may affect its operations[290]. - The 2024 Fiduciary Advice Rule may lead to changes in compensation practices and product offerings, potentially impacting sales of annuities through distribution partners[320]. - Rising interest rates could increase cash surrender values of certain products, leading to higher regulatory reserves and potentially affecting the company's ability to pay dividends[311]. Demographic Trends and Market Positioning - Jackson Financial is positioned to grow profitably as the aging U.S. population transitions into retirement, supported by a strong distribution network[284]. - The company expects demographic trends, particularly the increase in retirement-age individuals, to drive significant demand for its products[317]. Financial Strength and Ratings - Jackson's principal insurance subsidiaries received financial strength ratings of A from A.M. Best and S&P, and A3 from Moody's, all with a stable outlook as of October 24, 2025[427]. - The financial strength ratings are influenced by factors such as market positioning, profitability, leverage, and liquidity, which are critical for consumer confidence and competitive positioning[428]. - As of September 30, 2025, the insurance company subsidiaries had statutory surplus well above the minimum required capital levels[399].

Core Insights - Five stocks have been added to the Zacks Rank 1 (Strong Buy) List, indicating strong potential for investment returns Group 1: Company Performance - HudBay Minerals (HBM) has seen a 9.1% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - GigaCloud Technology Inc. (GCT) has experienced a 6.5% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Weatherford International (WFRD) has reported a 6% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Maximus (MMS) has seen a 6% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3] - Jackson Financial (JXN) has experienced a 4.8% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3]

Core Points - Jackson Financial Inc. will release its third quarter 2025 financial results after market close on November 4, 2025 [1] - A conference call and webcast to discuss the results will be held on November 5, 2025, at 11 a.m. ET [2] - Jackson is focused on simplifying retirement planning through its annuity products and aims to provide clarity for stakeholders [3] Company Overview - Jackson Financial Inc. is dedicated to helping financial professionals and their clients navigate retirement planning complexities [3] - The company emphasizes a balanced, long-term approach to serve customers, shareholders, distribution partners, employees, regulators, and community partners [3] - Jackson has received awards for service quality, indicating a commitment to high customer satisfaction [4]

Group 1 - CBRE Group is a member of the Finance sector, which includes 868 individual stocks and holds a Zacks Sector Rank of 5 [2] - CBRE Group currently has a Zacks Rank of 2 (Buy), indicating a positive earnings outlook as the consensus estimate for full-year earnings has increased by 4.3% over the past quarter [3] - CBRE has returned approximately 15.6% year-to-date, outperforming the Finance sector average return of 13.8% [4] Group 2 - CBRE Group is part of the Real Estate - Operations industry, which consists of 29 companies and is currently ranked 86 in the Zacks Industry Rank, with an average gain of 13.5% this year [5] - Jackson Financial, another Finance stock, has also outperformed the sector with a return of 15.9% year-to-date and has a Zacks Rank of 2 (Buy) [4][6] - The Insurance - Life Insurance industry, to which Jackson Financial belongs, is ranked 40 and has seen a gain of 2.9% this year [6]