Core Insights - PulteGroup reported $4.4 billion in revenue for Q2 2025, a year-over-year decline of 4.3%, with EPS at $3.03 compared to $3.58 a year ago, indicating a slight revenue surprise of +0.8% over estimates [1] - The company’s stock has returned +3.6% over the past month, underperforming the Zacks S&P 500 composite's +5.9% change, and currently holds a Zacks Rank 4 (Sell) [3] Financial Performance Metrics - Average Selling Price was $559.00, below the average estimate of $565.10 [4] - Net New Orders in Units totaled 7,083, falling short of the estimated 7,355 [4] - Closings (units) reached 7,639, exceeding the average estimate of 7,509 [4] - Unit Backlog stood at 10,779, below the average estimate of 11,181 [4] - Backlog Value was $6.84 billion, lower than the estimated $7.27 billion [4] - Net New Orders (Value) totaled $3.89 billion, compared to the estimated $4.3 billion [4] Revenue Breakdown - Home sale revenues were $4.27 billion, slightly above the estimated $4.23 billion, but represented a -4.1% change year-over-year [4] - Financial Services revenues were $101.16 million, below the estimated $108.69 million, reflecting a -9.4% change year-over-year [4] - Homebuilding revenues were $4.3 billion, slightly above the estimated $4.26 billion, also showing a -4.1% change year-over-year [4] - Land sale revenues were $34.62 million, below the average estimate of $40.17 million, indicating a -13.1% change year-over-year [4] Income Metrics - Income before income taxes for Financial Services was $42.8 million, compared to the average estimate of $53.19 million [4] - Income before income taxes for Homebuilding was $764.36 million, exceeding the average estimate of $748.36 million [4]

Core Insights - Wintrust Financial (WTFC) reported a revenue of $670.78 million for the quarter ended June 2025, reflecting a year-over-year increase of 13.4% [1] - The earnings per share (EPS) for the same quarter was $2.78, up from $2.32 in the previous year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $655.9 million, resulting in a surprise of +2.27% [1] - The company also delivered an EPS surprise of +7.34%, with the consensus EPS estimate being $2.59 [1] Key Metrics - Efficiency Ratio stood at 56.9%, slightly better than the five-analyst average estimate of 57.1% [4] - Net Interest Margin was reported at 3.5%, matching the five-analyst average estimate [4] - Average balance of Total earning assets was $62.22 billion, surpassing the $61.33 billion average estimate from three analysts [4] - Net charge-offs to average loan ratio was 0.1%, better than the three-analyst average estimate of 0.2% [4] - Tier 1 leverage ratio was 10.2%, exceeding the 9.6% average estimate based on two analysts [4] - Total Non-Interest Income reached $124.09 million, compared to the $117.8 million estimated by five analysts [4] - Net interest income - FTE was $549.57 million, above the four-analyst average estimate of $542.14 million [4] - Net Interest Income was reported at $546.69 million, exceeding the four-analyst average estimate of $536.91 million [4] - Wealth management income was $36.82 million, higher than the three-analyst average estimate of $34.83 million [4] - Fees from covered call options amounted to $5.62 million, significantly above the $2.33 million average estimate from three analysts [4] - Mortgage banking income was $23.17 million, slightly below the three-analyst average estimate of $25.59 million [4] - Operating lease income, net was reported at $15.17 million, matching the three-analyst average estimate [4] Stock Performance - Wintrust shares have returned +11.4% over the past month, outperforming the Zacks S&P 500 composite's +5.4% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]