Core Insights - LendingClub reported a revenue of $266.23 million for the quarter ended September 2025, marking a 31.9% increase year-over-year, with an EPS of $0.37 compared to $0.13 in the same quarter last year [1] - The revenue exceeded the Zacks Consensus Estimate of $256.72 million by 3.7%, and the EPS surpassed the consensus estimate of $0.30 by 23.33% [1] Financial Performance Metrics - Net Interest Margin was reported at 6.2%, slightly above the estimated 6.1% [4] - The Net Charge-Off Ratio was 2.9%, significantly lower than the average estimate of 4.1% [4] - Efficiency Ratio stood at 61.1%, better than the estimated 63.3% [4] - Average Balance of Total Interest-Earning Assets was $10.26 billion, below the average estimate of $10.67 billion [4] - Total Interest Income was $241.8 million, compared to the average estimate of $246.62 million [4] - Net Interest Income was reported at $158.44 million, lower than the average estimate of $162.75 million [4] - Non-Interest Income from Other Sources was $5.64 million, exceeding the average estimate of $3.45 million [4] - Total Non-Interest Income reached $107.79 million, surpassing the estimated $94.04 million [4] - Marketplace Revenue was $102.16 million, above the average estimate of $90.59 million [4] Stock Performance - LendingClub shares have returned -2.4% over the past month, while the Zacks S&P 500 composite increased by 1.1% [3] - The stock currently holds a Zacks Rank 1 (Strong Buy), indicating potential for outperformance in the near term [3]

Core Insights - Old Second Bancorp (OSBC) reported a revenue of $95.88 million for Q3 2025, marking a year-over-year increase of 34.7% and exceeding the Zacks Consensus Estimate by 4.56% [1] - The earnings per share (EPS) for the same quarter was $0.53, slightly up from $0.51 a year ago, with an EPS surprise of 3.92% [1] Financial Performance Metrics - Net Interest Margin was reported at 5%, surpassing the average estimate of 4.8% [4] - Efficiency Ratio stood at 64.5%, higher than the estimated 56.4% [4] - Total interest-earning assets averaged $6.53 billion, below the estimated $6.66 billion [4] - Total noninterest income reached $13.11 million, exceeding the average estimate of $11.81 million [4] - Net interest and dividend income was $82.78 million, above the average estimate of $80.26 million [4] - Wealth management income was reported at $3.52 million, higher than the estimated $3.12 million [4] - Card-related income was $2.74 million, slightly above the average estimate of $2.71 million [4] - Service charges on deposits totaled $2.92 million, exceeding the estimated $2.8 million [4] - Net gain on sales of mortgage loans was $0.62 million, compared to the average estimate of $0.6 million [4] Stock Performance - Old Second Bancorp shares returned +1.2% over the past month, slightly outperforming the Zacks S&P 500 composite's +1.1% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]

Core Insights - Banc of California (BANC) reported revenue of $287.73 million for the quarter ended September 2025, reflecting a 4% increase year-over-year and a surprise of +0.3% over the Zacks Consensus Estimate of $286.88 million [1] - The earnings per share (EPS) for the quarter was $0.38, up from $0.25 in the same quarter last year, resulting in an EPS surprise of +11.76% compared to the consensus estimate of $0.34 [1] Financial Performance Metrics - Annualized net loan charge-offs to average total loans held-for-investment were -0%, better than the four-analyst average estimate of 0.1% [4] - The efficiency ratio was reported at 62.1%, outperforming the four-analyst average estimate of 64% [4] - Net interest margin stood at 3.2%, matching the four-analyst average estimate [4] - Average balance of total interest-earning assets was $31.2 billion, slightly below the three-analyst average estimate of $31.73 billion [4] - Total nonperforming loans amounted to $174.54 million, slightly above the three-analyst average estimate of $172.48 million [4] - Total nonperforming assets were reported at $179.33 million, compared to the three-analyst average estimate of $177.88 million [4] - Total noninterest income was $34.29 million, slightly below the four-analyst average estimate of $34.68 million [4] - Net interest income was $253.44 million, exceeding the four-analyst average estimate of $252.2 million [4] - Service charges on deposit accounts reached $5.11 million, surpassing the two-analyst average estimate of $4.53 million [4] - Leased equipment income was $10.32 million, slightly below the two-analyst average estimate of $10.44 million [4] - Other commissions and fees totaled $9.51 million, below the two-analyst average estimate of $9.84 million [4] Stock Performance - Shares of Banc of California have returned +1.6% over the past month, outperforming the Zacks S&P 500 composite's +1.1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Core Insights - SouthState (SSB) reported a revenue of $698.78 million for Q3 2025, marking a year-over-year increase of 63.9% and exceeding the Zacks Consensus Estimate of $654.7 million by 6.73% [1] - The company's EPS for the quarter was $2.58, up from $1.90 a year ago, and also surpassed the consensus EPS estimate of $2.20 by 17.27% [1] Financial Performance Metrics - Net Interest Margin (Non-Tax Equivalent) was reported at 4.1%, higher than the average estimate of 3.9% from four analysts [4] - The Efficiency Ratio stood at 49.9%, significantly better than the estimated 54.9% by four analysts [4] - Net charge-offs as a percentage of average loans (annualized) were 0.3%, compared to the average estimate of 0.1% from three analysts [4] - Average Balance of Total interest-earning assets was $58.73 billion, exceeding the estimate of $58.27 billion from two analysts [4] - Total nonperforming loans were $301.69 million, slightly above the average estimate of $283.64 million from two analysts [4] - Total nonperforming assets were reported at $320.81 million, compared to the average estimate of $316.07 million from two analysts [4] - Total Noninterest Income reached $99.09 million, surpassing the average estimate of $88.04 million from four analysts [4] - Net interest income (tax equivalent, Non-GAAP) was $600.42 million, exceeding the average estimate of $568.27 million from three analysts [4] - Net Interest Income was reported at $599.7 million, higher than the average estimate of $565.25 million from three analysts [4] Stock Performance - SouthState's shares have returned -5.7% over the past month, while the Zacks S&P 500 composite has increased by 1.1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Core Insights - Orrstown Financial Services (ORRF) reported revenue of $64.37 million for Q3 2025, marking a year-over-year increase of 0.5% and a surprise of +2.01% over the Zacks Consensus Estimate of $63.1 million [1] - The earnings per share (EPS) for the same quarter was $1.13, compared to $1.11 a year ago, with an EPS surprise of +6.6% against the consensus estimate of $1.06 [1] Financial Performance Metrics - Efficiency ratio stood at 56.4%, slightly better than the three-analyst average estimate of 56.6% [4] - Average interest-earning assets were reported at $4.99 billion, exceeding the $4.97 billion average estimate [4] - Net interest margin was consistent at 4.1%, matching the three-analyst average estimate [4] - Total non-interest income reached $13.38 million, surpassing the three-analyst average estimate of $12.15 million [4] - Other income was reported at $2.1 million, slightly above the $2.02 million average estimate [4] - Interchange income was $1.62 million, exceeding the $1.22 million average estimate [4] - Service charges on deposit accounts totaled $3 million, higher than the two-analyst average estimate of $2.75 million [4] - Wealth management income was reported at $5.28 million, compared to the $5.07 million average estimate [4] - Net interest income was $50.99 million, slightly below the $51.28 million estimated by two analysts [4] Stock Performance - Shares of Orrstown have returned -5% over the past month, while the Zacks S&P 500 composite has increased by +1.2% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Western Alliance (WAL) reported $947.9 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 13.8%. EPS of $2.28 for the same period compares to $1.80 a year ago.The reported revenue represents a surprise of +6.79% over the Zacks Consensus Estimate of $887.6 million. With the consensus EPS estimate being $2.11, the EPS surprise was +8.06%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wa ...

Core Insights - Hanmi Financial reported revenue of $70.96 million for Q3 2025, a year-over-year increase of 21.3% [1] - The company's EPS for the same period was $0.73, up from $0.49 a year ago, exceeding the consensus estimate of $0.66 by 10.61% [1] - The revenue surpassed the Zacks Consensus Estimate of $68 million, resulting in a surprise of 4.35% [1] Financial Performance Metrics - Efficiency Ratio stood at 52.7%, better than the average estimate of 53.5% from two analysts [4] - Net interest margin was reported at 3.2%, slightly above the average estimate of 3.1% [4] - Total noninterest income reached $9.88 million, exceeding the estimated $8.43 million [4] Stock Performance - Hanmi Financial's shares have returned -3.9% over the past month, contrasting with the Zacks S&P 500 composite's +1.2% change [3] - The stock currently holds a Zacks Rank 2 (Buy), suggesting potential outperformance against the broader market in the near term [3]

Core Insights - Northrop Grumman reported $10.42 billion in revenue for Q3 2025, a year-over-year increase of 4.3%, with an EPS of $7.67 compared to $7.00 a year ago, indicating an EPS surprise of +18.18% against a consensus estimate of $6.49 [1][3] Revenue Performance - The revenue of $10.42 billion was a surprise of -2.78% compared to the Zacks Consensus Estimate of $10.72 billion [1] - Sales in various segments showed mixed results: - Intersegment eliminations: $-569 million, a year-over-year change of -13.7% [4] - Mission Systems: $3.09 billion, a +9.6% change year-over-year [4] - Space Systems: $2.7 billion, a -6% change year-over-year [4] - Defense Systems: $2.06 billion, a -1.2% change year-over-year [4] - Aeronautics Systems: $3.14 billion, a +9.2% change year-over-year [4] Operating Income Analysis - Operating income/loss figures varied across segments: - Intersegment eliminations: $-75 million, slightly worse than the average estimate of $-71.19 million [4] - Defense Systems: $234 million, close to the average estimate of $236.83 million [4] - Mission Systems: $515 million, exceeding the average estimate of $458.41 million [4] - Space Systems: $298 million, below the average estimate of $306.1 million [4] - Aeronautics Systems: $305 million, slightly below the average estimate of $310.97 million [4] - Segment operating income adjustments included: - Unallocated corporate expenses: $-102 million, worse than the average estimate of $-99.96 million [4] - FAS/CAS operating adjustment: $67 million, better than the average estimate of $63.92 million [4] Stock Performance - Northrop Grumman shares returned +4.5% over the past month, outperforming the Zacks S&P 500 composite's +1.2% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]

Core Insights - Comerica Incorporated (CMA) reported $838 million in revenue for Q3 2025, a 3.3% year-over-year increase, but fell short of the Zacks Consensus Estimate by 0.67% [1] - The earnings per share (EPS) for the quarter was $1.35, slightly down from $1.37 a year ago, but exceeded the consensus estimate of $1.28 by 5.47% [1] Financial Performance Metrics - Efficiency Ratio: 70.2%, better than the estimated 71% [4] - Net Interest Margin: 3.1%, slightly below the estimated 3.2% [4] - Net Charge-offs (recoveries)/Average Total Loans: 0.3%, higher than the estimated 0.2% [4] - Average Balance - Total Earning Assets: $71.22 billion, exceeding the estimate of $71.07 billion [4] - Total Nonperforming Assets: $260 million, above the average estimate of $248.99 million [4] - Total Nonperforming Loans: $258 million, compared to the estimate of $248.98 million [4] - Total Noninterest Income: $264 million, below the average estimate of $274.21 million [4] - Net Interest Income: $574 million, slightly above the estimate of $569.44 million [4] - Service Charges on Deposit Accounts: $47 million, close to the estimate of $47.31 million [4] - Fiduciary Income: $51 million, below the estimate of $56 million [4] - Commercial Lending Fees: $17 million, in line with the estimate of $17.11 million [4] - Bank-owned Life Insurance: $13 million, exceeding the estimate of $9.03 million [4] Stock Performance - Comerica's shares have returned +5% over the past month, outperforming the Zacks S&P 500 composite's +0.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]

Core Insights - Acuity reported revenue of $1.21 billion for the quarter ended August 2025, reflecting a year-over-year increase of 17.1% and an EPS of $5.20, up from $4.30 in the previous year [1] - The revenue matched the Zacks Consensus Estimate, while the EPS exceeded expectations by 10.64% [1] Financial Performance - Acuity's net sales by channel for Acuity Intelligent Spaces reached $255.2 million, which is a 204.2% increase year-over-year but fell short of the average estimate of $261.99 million [4] - Acuity Brands Lighting (ABL) reported total net sales of $962.4 million, slightly above the average estimate of $958.18 million, marking a year-over-year change of 0.8% [4] - Adjusted operating profit for Acuity Intelligent Spaces was $54.6 million, surpassing the average estimate of $45.89 million [4] - Adjusted operating profit for Acuity Brands Lighting was $193.6 million, exceeding the average estimate of $172.54 million [4] Market Performance - Acuity's shares have returned +3.3% over the past month, compared to a +3.5% 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]