Financial Performance - Community Financial System reported revenue of $200.14 million for the quarter ended June 2025, reflecting an 8.3% increase year-over-year [1] - Earnings per share (EPS) for the quarter was $0.97, up from $0.95 in the same quarter last year [1] - The reported revenue was below the Zacks Consensus Estimate of $203.07 million, resulting in a revenue surprise of -1.44% [1] - The company experienced an EPS surprise of -5.83%, with the consensus EPS estimate being $1.03 [1] Key Metrics - The efficiency ratio (GAAP) was reported at 64.8%, higher than the estimated 61.9% [4] - Net Interest Margin remained stable at 3.3%, matching the average estimate [4] - Average balances of total interest-earning assets were $15.29 billion, slightly below the estimated $15.38 billion [4] - Net charge-offs as a percentage of average loans were 0.2%, consistent with the average estimate [4] - Total Non-Interest Income was reported at $74.51 million, below the average estimate of $77.3 million [4] - Fully tax-equivalent net interest income was $125.63 million, slightly below the average estimate of $125.75 million [4] Stock Performance - Community Financial shares returned +3.8% over the past month, compared to a +5.9% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]

Core Insights - AutoNation (AN) is expected to report quarterly earnings of $4.70 per share, reflecting a year-over-year increase of 17.8% [1] - Revenues are anticipated to reach $6.8 billion, which is a 4.9% increase from the same quarter last year [1] - The consensus EPS estimate has been revised upward by 1.6% in the past 30 days, indicating analysts' reassessment of their initial estimates [1][2] Revenue Estimates - Analysts predict 'Revenue- Parts and service' will reach $1.19 billion, marking a 6.4% increase from the prior-year quarter [3] - The 'Revenue- Finance and insurance net' is estimated at $337.81 million, reflecting a 4.3% increase from the year-ago quarter [4] - 'Revenue- Used Vehicle' is expected to be $1.92 billion, indicating a 0.7% increase from the prior-year quarter [4] - 'Revenue- New Vehicle' is projected to reach $3.31 billion, which is a 5.9% increase from the year-ago quarter [4] Sales and Profit Metrics - Total 'Retail vehicle unit sales' are expected to be 130,325, compared to 126,772 in the previous year [5] - 'Revenue per vehicle retailed - New' is forecasted to be $51,872.62, up from $50,965.00 in the same quarter last year [5] - 'Revenue per vehicle retailed - Used' is estimated at $27,368.63, compared to $26,617.00 in the same quarter last year [6] - 'Gross profit per vehicle retailed - Finance and insurance' is expected to reach $2,598.93, up from $2,556.00 in the previous year [6] Used and New Vehicle Sales - 'Retail vehicle unit sales - Used' are projected at 66,701, compared to 65,504 in the same quarter last year [7] - 'Retail vehicle unit sales - New' is estimated at 63,624, up from 61,268 in the previous year [7] - 'Gross profit per vehicle retailed - Used' is expected to be $1,612.39, slightly down from $1,638.00 in the previous year [7] - 'Gross profit per vehicle retailed - New' is projected to be $2,892.10, down from $3,108.00 in the same quarter last year [8] Market Performance - AutoNation shares have changed by +0.3% in the past month, while the Zacks S&P 500 composite has moved +5.9% [8]

Core Viewpoint - Analysts expect Southwest Airlines to report a quarterly earnings per share (EPS) of $0.51, reflecting a year-over-year decline of 12.1%, with revenues projected at $7.3 billion, down 0.8% from the previous year [1] Earnings Projections - The consensus EPS estimate has been revised 20.3% lower in the last 30 days, indicating a significant reevaluation by analysts [1][2] - The importance of earnings estimate revisions is highlighted as they are a critical gauge for predicting investor behavior [2] Revenue Metrics - Analysts project 'Operating Revenues- Passenger' to reach $6.60 billion, indicating a year-over-year decline of 1.6% [4] - 'Operating Revenues- Other' is expected to be $647.94 million, reflecting an increase of 8.5% year-over-year [4] - 'Operating Revenues- Freight' is forecasted at $48.31 million, showing a growth of 7.4% from the prior year [4] Operational Metrics - The estimated 'Load factor' is 81.3%, down from 82.6% in the same quarter last year [5] - 'Revenue passenger miles (RPMs)' are projected at 37.90 billion, compared to 38.22 billion from the previous year [5] - The consensus for 'Available seat miles (ASMs)' stands at 46.86 billion, slightly up from 46.25 billion in the same quarter last year [6] Fuel Consumption - Analysts expect 'Fuel consumed' to be 569 million gallons, down from 577 million gallons reported in the same quarter last year [8] Stock Performance - Shares of Southwest Airlines have increased by 16.3% over the past month, outperforming the Zacks S&P 500 composite, which rose by 5.4% [9]

Core Viewpoint - ServiceNow (NOW) is expected to report quarterly earnings of $3.54 per share, a 13.1% increase year-over-year, with revenues projected at $3.12 billion, reflecting an 18.8% year-over-year growth [1]. Earnings Estimates - The consensus EPS estimate has been revised down by 0.4% in the last 30 days, indicating a reassessment by analysts [2]. - Revisions to earnings projections are crucial for predicting investor behavior and stock price performance [3]. Revenue Projections - Analysts estimate 'Revenues- Professional services and other' to reach $88.78 million, a 4.5% year-over-year increase [5]. - 'Revenues- Subscription' is projected to be $3.03 billion, indicating a 19.3% year-over-year growth [5]. - 'Current Remaining Performance Obligations (cRPO) - GAAP' is expected to be $10.48 billion, up from $8.78 billion a year ago [5]. - 'Remaining Performance Obligations (RPO) - GAAP' is estimated at $22.11 billion, compared to $18.60 billion from the previous year [6]. Profitability Metrics - 'Gross Profit (Non-GAAP)- Subscription' is anticipated to be $2.53 billion, an increase from $2.16 billion in the same quarter last year [6]. - 'Gross Profit (Non-GAAP)- Professional services and other' is projected at $9.05 million, down from $14.00 million year-over-year [7]. Stock Performance - ServiceNow shares have decreased by 2.3% over the past month, contrasting with a 5.4% increase in the Zacks S&P 500 composite [7].

Core Insights - Arbor Realty Trust (ABR) is expected to report quarterly earnings of $0.29 per share, reflecting a decline of 35.6% year over year [1] - Analysts forecast revenues of $237.24 million, indicating a decrease of 20.2% compared to the same quarter last year [1] - The consensus EPS estimate has remained unchanged over the past 30 days, suggesting a reassessment of projections by covering analysts [1] Revenue Estimates - Interest income is projected to reach $237.24 million, down 20.2% from the prior-year quarter [4] - Other revenue from gains on sales, including fee-based services, is estimated at $13.77 million, reflecting a decline of 21.1% year over year [4] - Servicing revenue is expected to be $26.77 million, indicating a decrease of 10.5% from the previous year [4] Additional Revenue Metrics - Analysts estimate 'Other revenue- Mortgage servicing rights' at $10.47 million, suggesting a year-over-year decline of 28% [5] - Over the past month, Arbor Realty Trust shares have gained 11%, outperforming the Zacks S&P 500 composite, which increased by 5.4% [5] - Arbor Realty Trust holds a Zacks Rank 3 (Hold), indicating expected performance in line with the overall market [5]

Group 1 - Texas Instruments (TXN) is expected to report quarterly earnings of $1.32 per share, reflecting a year-over-year increase of 8.2% [1] - Revenues are projected to be $4.31 billion, which represents a 12.7% increase from the same quarter last year [1] - The consensus EPS estimate has remained unchanged over the last 30 days, indicating a reevaluation of initial estimates by analysts [1] Group 2 - Analysts project 'Revenue- Other' to reach $270.04 million, indicating a year-over-year change of -3.2% [4] - 'Revenue- Embedded Processing' is estimated to be $687.90 million, reflecting an 11.9% increase from the previous year [4] - The consensus for 'Revenue- Analog' is $3.39 billion, showing a 15.7% increase compared to the prior-year quarter [4] Group 3 - The average prediction for 'Operating Profit- Analog' is $1.27 billion, up from $1.05 billion reported in the same quarter last year [5] - 'Operating Profit- Other' is expected to be $8.34 million, a significant decrease from $121.00 million in the previous year [5] - The consensus estimate for 'Operating Profit- Embedded Processing' stands at $104.46 million, compared to $80.00 million from the year-ago period [6] Group 4 - Texas Instruments shares have returned +9.2% over the past month, outperforming the Zacks S&P 500 composite's +4.2% change [6] - The company holds a Zacks Rank 3 (Hold), suggesting it is expected to mirror overall market performance in the near future [6]

Core Viewpoint - Truist Financial Corporation (TFC) is expected to report quarterly earnings of $0.92 per share, reflecting a 1.1% increase year-over-year, with revenues projected at $4.98 billion, a 0.3% increase compared to the previous year [1]. Earnings Estimates - Changes in earnings estimates are crucial for predicting investor reactions to stock performance [2]. - Analysts have maintained the consensus EPS estimate for the quarter over the past 30 days, indicating a reassessment of projections [1]. Key Financial Metrics - Analysts predict a 'Net interest margin' of 3.0%, consistent with the same quarter last year [4]. - 'Total nonperforming assets' are expected to be $1.63 billion, up from $1.48 billion in the same quarter last year [4]. - The 'Average balance - Total earning assets' is projected at $478.38 billion, compared to $473.67 billion a year ago [5]. - 'Total nonaccrual loans and leases' are estimated at $1.56 billion, up from $1.42 billion year-over-year [5]. - The 'Tier 1 Leverage Ratio' is expected to be 10.3%, down from 10.5% last year [5]. - The 'Tier 1 Capital Ratio' is projected at 12.7%, down from 13.2% a year ago [6]. - The 'Total Capital Ratio' is expected to be 14.9%, compared to 15.4% in the same quarter last year [6]. - 'Net interest income (FTE)' is estimated at $3.63 billion, consistent with the previous year's figure [6]. - 'Net Interest Income' is forecasted at $3.58 billion, up from $3.53 billion year-over-year [7]. - 'Lending related fees' are expected to reach $92.68 million, compared to $89.00 million last year [7]. - 'Other income' is projected at $69.03 million, down from $78.00 million in the same quarter last year [7]. - 'Operating lease income' is expected to be $51.56 million, up from $50.00 million a year ago [8]. Stock Performance - Truist Financial shares have increased by 15.9% over the past month, outperforming the Zacks S&P 500 composite, which rose by 5% [8].

Core Viewpoint - CarMax (KMX) is expected to report quarterly earnings of $1.22 per share, a 25.8% increase year-over-year, with revenues projected at $7.56 billion, reflecting a 6.3% year-over-year growth [1]. Earnings Estimates - The consensus EPS estimate for the quarter has been revised upward by 0.9% over the past 30 days, indicating analysts' reassessment of their projections [2]. - Revisions to earnings projections are crucial for predicting investor behavior and are linked to short-term stock price performance [3]. Revenue and Sales Projections - Analysts estimate 'Net sales - Wholesale vehicles' to reach $1.31 billion, a 4.7% increase from the prior year [5]. - 'Net sales - Other' is projected at $189.91 million, indicating a 5.8% year-over-year change [5]. - 'Net sales - Used vehicles' is expected to be $6.05 billion, reflecting a 6.6% increase year-over-year [5]. - The consensus for 'Other sales and revenues - Extended protection plan revenues' stands at $129.56 million, a 9.1% increase from the previous year [6]. Store and Unit Sales Estimates - Analysts project a total of 251 stores, up from 245 in the same quarter last year [6]. - 'Unit sales - Total vehicles' are expected to reach 378,575, compared to 358,817 a year ago [9]. - 'Unit sales - Used vehicles' is estimated at 224,745, up from 211,132 in the previous year [9]. Profitability Metrics - 'Revenue per vehicle retailed (ASP) - Used vehicles' is forecasted to be $26.84 thousand, compared to $26.53 thousand last year [7]. - 'Gross Profit per Unit - Used vehicles gross profit' is expected to be $2,384.83, up from $2,347 last year [7]. - 'Gross Profit per Unit - Wholesale vehicles gross profit' is projected at $1,070.91, compared to $1,064 last year [8]. - 'Revenue per vehicle retailed (ASP) - Wholesale vehicles' is expected to be $8.29 thousand, compared to $8.09 thousand last year [10]. Market Performance - CarMax shares have decreased by 3.5% over the past month, contrasting with the Zacks S&P 500 composite's increase of 1.7% [10]. - CarMax holds a Zacks Rank 3 (Hold), indicating it is expected to closely follow overall market performance in the near term [11].

In its upcoming report, Kroger (KR) is predicted by Wall Street analysts to post quarterly earnings of $1.44 per share, reflecting an increase of 0.7% compared to the same period last year. Revenues are forecasted to be $45.38 billion, representing a year-over-year increase of 0.3%.Over the past 30 days, the consensus EPS estimate for the quarter has remained unchanged. This demonstrates the covering analysts' collective reassessment of their initial projections during this period.Prior to a company's earni ...

Core Insights - Korn/Ferry (KFY) is expected to report quarterly earnings of $1.26 per share, indicating no change from the previous year [1] - Analysts forecast revenues of $688.94 million, representing a decrease of 0.3% year over year [1] - The consensus EPS estimate has remained unchanged over the past 30 days, reflecting analysts' reassessment of projections [1] Revenue Projections - Analysts estimate 'Fee Revenue - Total Executive Search' at $206.26 million, indicating a year-over-year increase of 3.8% [4] - The combined estimate for 'Fee Revenue' is projected to be $688.94 million, suggesting a decrease of 0.3% year over year [4] - 'Fee Revenue - Digital' is expected to reach $91.65 million, reflecting a change of 0.4% from the prior-year quarter [4] - 'Fee Revenue - Consulting' is anticipated to be $167.62 million, indicating a year-over-year decline of 8% [5] Market Performance - Over the past month, Korn/Ferry shares have recorded a return of 0.8%, compared to the Zacks S&P 500 composite's return of 3.6% [5] - Korn/Ferry holds a Zacks Rank 5 (Strong Sell), suggesting it may underperform the overall market in the upcoming period [5]