Wall Street analysts expect Morgan Stanley (MS) to post quarterly earnings of $1.93 per share in its upcoming report, which indicates a year-over-year increase of 6%. Revenues are expected to be $15.92 billion, up 6% from the year-ago quarter.Over the last 30 days, there has been a downward revision of 0.7% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initial forecasts over the course of this timeframe. ...

Core Insights - Commerce Bancshares (CBSH) is expected to report quarterly earnings of $1.02 per share, reflecting a decline of 4.7% year-over-year, while revenues are forecasted to increase by 3.8% to $430.36 million [1] Earnings Estimates - There has been no revision in the consensus EPS estimate over the last 30 days, indicating stability in analysts' forecasts [1][2] - The consensus estimate for the 'Efficiency Ratio' is 55.9%, slightly improved from 56.0% in the same quarter last year [4] - Analysts predict a 'Net Interest Margin' of 3.6%, unchanged from the previous year [4] Key Financial Metrics - 'Average total interest earning assets' are estimated at $30.64 billion, up from $30.02 billion year-over-year [5] - The estimated 'Book value per share' is $26.85, compared to $24.48 a year ago [5] - The 'Tier I risk-based capital ratio' is expected to be 17.0%, an increase from 16.2% in the previous year [6] - The 'Total risk-based capital ratio' is projected at 17.8%, compared to 17.0% last year [6] Loan and Income Projections - 'Non-accrual loans' are expected to be $21.76 million, up from $19.30 million in the same quarter last year [7] - The forecast for 'Total Non-Interest Income' is $157.57 million, compared to $152.24 million a year ago [8] - 'Fully-taxable equivalent net interest income' is projected to reach $275.75 million, up from $264.58 million last year [8] - 'Trust fees' are expected to be $55.69 million, compared to $52.29 million in the same quarter last year [8] - 'Bank card transaction fees' are forecasted at $47.42 million, slightly down from $47.48 million last year [9] Stock Performance - Commerce shares have increased by 6.5% over the past month, outperforming the Zacks S&P 500 composite's 4.1% increase [9]

Core Viewpoint - Analysts expect First Horizon National (FHN) to report quarterly earnings of $0.41 per share, reflecting a year-over-year increase of 13.9%, with revenues projected at $826.62 million, up 1.4% from the previous year [1] Earnings Projections - The consensus EPS estimate has been adjusted downward by 0.6% over the past 30 days, indicating a reassessment by analysts [1][2] - Revisions to earnings projections are crucial for predicting investor behavior and stock performance [2] Key Metrics Forecast - Analysts predict an 'Efficiency Ratio' of 60.5%, down from 61.4% in the same quarter last year [4] - 'Net Interest Margin (FTE)' is expected to remain stable at 3.4%, consistent with the previous year's figure [4] - 'Average Balance - Total interest earning assets' is projected to reach $75.43 billion, slightly up from $75.24 billion last year [5] - 'Total nonperforming assets' are expected to be $629.23 million, an increase from $582.00 million in the same quarter last year [5] - 'Total nonperforming loans and leases' are forecasted at $627.23 million, up from $574.00 million last year [6] - 'Total Non-Interest Income' is estimated at $189.18 million, compared to $186.00 million in the same quarter last year [6] - 'Net Interest Income' is projected to be $637.47 million, slightly higher than the $629.00 million reported last year [7] - 'Service charges and fees' are expected to be $53.02 million, down from $58.00 million last year [8] - 'Other noninterest income' is forecasted at $18.45 million, up from $17.00 million last year [8] - 'Mortgage banking' is predicted at $9.62 million, down from $10.00 million last year [9] - 'Fixed income' is estimated at $49.28 million, an increase from $40.00 million last year [9] Stock Performance - Shares of First Horizon have returned +11.6% over the past month, outperforming the Zacks S&P 500 composite's +4.1% change [9]

Core Insights - CSX Corporation is facing significant challenges including rising expenses, weak liquidity, and declining demand, making it an unattractive investment option [1] Financial Performance - The Zacks Consensus Estimate for CSX's current-quarter earnings has been revised downward by 16.3% over the past 90 days, with a 9.8% decrease for the current year [2] - CSX's share price has increased by only 18.6% in the past 90 days, compared to a 28.8% growth in the transportation-rail industry [3] Earnings and Liquidity - CSX has a Zacks Rank of 4 (Sell) and has a history of disappointing earnings surprises, missing the Zacks Consensus Estimate in three of the last four quarters with an average miss of 3.13% [5] - Operating expenses have risen from $8.8 billion in 2022 to $9.1 billion in 2023, and are projected to reach $9.3 billion in 2024, with a 1.6% increase in Q1 2025 [6][9] - The current ratio has declined from 1.73 in 2021 to 0.88 in Q1 2025, indicating ongoing liquidity pressures [7][8] Market Challenges - Coal revenues have decreased by 27% year over year, with a 9% drop in volumes in Q1 2025, exacerbated by rail network issues such as crew shortages and service disruptions [9] - CSX is facing elevated capital expenditures projected at $2.5 billion for 2025, adding to financial strain [9]

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Core Viewpoint - Saudi Arabia is requesting independent oil production analysis for OPEC, suggesting a shift from "production" to "market supply" metrics for June data, potentially lowering reported production by approximately 400,000 barrels per day [2] Group 1: Saudi Arabia's Oil Production - Saudi Arabia's June oil production data may be adjusted to align with OPEC+ quotas, reflecting a significant change in reporting standards [2] - The proposed "market supply" metric excludes inventory changes, making it more aligned with the OPEC+ agreement of 9.37 million barrels per day [2][3] - The International Energy Agency (IEA) reported a surge in Saudi production to 9.8 million barrels per day in June, exceeding OPEC+ quotas [2] Group 2: Impact on Oil Prices and Market Dynamics - Fluctuations in Saudi production directly influence global oil prices, especially as the country leads OPEC+ in supply restoration [2] - Increased shipping volumes through the Suez-Mediterranean pipeline indicate heightened activity due to geopolitical tensions, with an additional 5 million barrels shipped in June [3] - Saudi Aramco's strategic international delivery points in various countries may facilitate adjustments in reported supply metrics [3]

Core Viewpoint - Industrial Logistics Properties Trust (ILPT) has experienced a significant increase in share price, attributed to strong investor optimism following a substantial dividend announcement and positive earnings expectations [1][2]. Group 1: Stock Performance - ILPT shares rose 14.7% to $5.39 in the last trading session, with a trading volume higher than average [1]. - Over the past four weeks, ILPT stock has gained 32% [1]. Group 2: Dividend Announcement - The company announced a quarterly cash dividend of 5 cents per share, marking a 400% increase from the previous quarter [2]. - The dividend is scheduled to be paid on August 14 to shareholders of record as of July 21, 2025 [2]. Group 3: Earnings Expectations - ILPT is expected to report quarterly funds from operations (FFO) of $0.21 per share, reflecting a year-over-year increase of 50% [3]. - Revenue projections stand at $112.05 million, which is a 1.3% increase compared to the same quarter last year [3]. Group 4: FFO Estimate Revisions - The consensus FFO per share estimate for ILPT has been revised 45% higher in the last 30 days [4]. - Positive trends in FFO estimate revisions are typically associated with stock price appreciation [4]. Group 5: Industry Context - ILPT holds a Zacks Rank of 1 (Strong Buy), indicating strong market confidence [5]. - In comparison, Crown Castle (CCI), another stock in the same industry, has a Zacks Rank of 3 (Hold) and has seen a 0.5% increase in its last trading session [5][6].

The average net worth that Americans feel is needed to qualify as wealthy has surprisingly declined, compared to last year, though it is still an eye-popping figure, Charles Schwab found. The financial services company said in the latest edition of its "Modern Wealth Survey" that Americans now view $2.3 million as the benchmark for counting as wealthy, pointing to what they see as a worsening economy. That marked a $200,000 decrease from 2024, when Americans said the net worth required to be classified as w ...

Core Insights - The author transitioned from a traditional financial career to focus on personal finance education through online platforms [1] Group 1: Background and Experience - The author has over 10 years of experience in the financial industry, starting in 2003 and working in private banking for five years [1] - The author holds a bachelor's degree in finance-marketing, a CFP title, and an MBA in financial services [1] Group 2: Career Transition - In 2016, the author left the financial industry to travel across North America and Central America with family, which was a transformative experience [1] - In 2017, the author decided to pursue a career in helping others with personal finance through investing websites, marking a significant career shift [1]

Industry Trend - European defense spending surge benefits a German steelmaker [1] - A German steelmaker's product gets the go-ahead for military purposes [1]