Core Insights - IBM reported revenue of $19.69 billion for the quarter ended December 2025, marking a year-over-year increase of 12.2% and exceeding the Zacks Consensus Estimate of $19.2 billion by 2.53% [1] - The company's EPS for the same period was $4.52, up from $3.92 a year ago, surpassing the consensus EPS estimate of $4.33 by 4.39% [1] Revenue Breakdown - Revenue from Financing was $179 million, slightly above the average estimate of $175.71 million [4] - Revenue from Other was -$5 million, significantly below the estimated $32.55 million, representing a year-over-year decline of 117.2% [4] - Revenue from Infrastructure reached $5.13 billion, exceeding the average estimate of $4.67 billion, with a year-over-year increase of 20.6% [4] - Consulting revenue was $5.35 billion, slightly below the average estimate of $5.42 billion, reflecting a year-over-year growth of 3.4% [4] - Software revenue was $9.03 billion, surpassing the estimated $8.89 billion, with a year-over-year increase of 14% [4] - Data revenue was $2.1 billion, exceeding the average estimate of $1.98 billion [4] - Hybrid Infrastructure revenue was $3.8 billion, above the estimated $3.36 billion, with a year-over-year growth of 26.7% [4] - Transaction Processing revenue was $2.6 billion, slightly above the estimated $2.55 billion, with a year-over-year increase of 8.3% [4] - Automation revenue was $2.3 billion, exceeding the average estimate of $2.25 billion [4] - Hybrid Cloud revenue was $2 billion, below the estimated $2.13 billion [4] - Intelligent Operations revenue was $2.4 billion, slightly below the average estimate of $2.45 billion [4] - Strategy and Technology revenue was $2.9 billion, compared to the average estimate of $2.97 billion [4] Stock Performance - IBM shares have returned -2.7% over the past month, while the Zacks S&P 500 composite has increased by 0.8% [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 Viewpoint - First Financial Bancorp (FFBC) reported a revenue increase of 6.4% year-over-year for the quarter ended December 2025, but fell short of Wall Street expectations [1] Financial Performance - Revenue for the quarter was $239.99 million, which was a surprise of -3.35% compared to the Zacks Consensus Estimate of $248.3 million [1] - Earnings per share (EPS) was reported at $0.80, an increase from $0.71 in the same quarter last year, resulting in an EPS surprise of +2.56% against the consensus estimate of $0.78 [1] - Net Interest Margin stood at 4%, matching the average estimate from three analysts [4] - Efficiency Ratio was reported at 62.6%, higher than the average estimate of 57.6% from three analysts [4] - Total Noninterest Income was $64.77 million, below the average estimate of $77.63 million from three analysts [4] - Net interest income (tax equivalent) was $175.22 million, slightly above the average estimate of $173 million from two analysts [4] Stock Performance - Shares of First Financial have returned +8.1% over the past month, outperforming the Zacks S&P 500 composite's +0.8% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

Core Insights - Starbucks reported revenue of $9.92 billion for the quarter ended December 2025, reflecting a 5.5% increase year-over-year and a surprise of +2.82% over the Zacks Consensus Estimate of $9.64 billion [1] - The company's EPS was $0.56, down from $0.69 in the same quarter last year, resulting in an EPS surprise of -2.9% compared to the consensus estimate of $0.58 [1] Financial Performance Metrics - Total stores reached 41,118, slightly below the average estimate of 41,241 from seven analysts [4] - Comparable Store Sales - International grew by 5%, exceeding the average estimate of 2.6% [4] - Comparable Store Sales - North America increased by 4%, compared to the average estimate of 1.7% [4] - Year-over-year change in comparable store sales was 4%, surpassing the average estimate of 1.8% [4] - Net Revenues from North America were $7.28 billion, above the estimated $7.14 billion, representing a +3% change year-over-year [4] - Net Revenues from company-operated stores internationally were $1.55 billion, slightly above the $1.53 billion estimate, marking a +9.5% year-over-year change [4] - Net Revenues from licensed stores internationally were $487.2 million, exceeding the estimate of $464.78 million, with a +12.5% year-over-year change [4] - Net Revenues from licensed stores in North America were $643.2 million, below the estimated $708.33 million, reflecting an -8.5% year-over-year change [4] - Net Revenues from company-operated stores totaled $8.19 billion, above the estimated $7.96 billion, indicating a +5.2% year-over-year change [4] - Net Revenues from licensed stores were $1.13 billion, slightly below the estimate of $1.16 billion, with a -0.5% year-over-year change [4] - Net Revenues from other sources were $596.7 million, exceeding the estimate of $526.42 million, representing a +25.2% year-over-year change [4] - Net Revenues from channel development were $522.7 million, above the estimate of $475.27 million, indicating a +19.8% year-over-year change [4] Stock Performance - Starbucks shares returned +12.3% over the past month, outperforming the Zacks S&P 500 composite's +0.8% 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 - Orrstown Financial Services (ORRF) reported revenue of $64.92 million for the quarter ended December 2025, marking a year-over-year increase of 5% and exceeding the Zacks Consensus Estimate of $64.55 million by 0.58% [1] - The company's earnings per share (EPS) for the same period was $1.11, compared to $0.87 a year ago, representing an EPS surprise of 2.47% against the consensus estimate of $1.08 [1] Financial Metrics - The efficiency ratio was reported at 57.5%, higher than the three-analyst average estimate of 56.7% [4] - Average interest-earning assets amounted to $5.08 billion, slightly above the estimated $5.03 billion [4] - The net interest margin was recorded at 4%, compared to the average estimate of 4.1% [4] - Total non-interest income reached $14.39 million, exceeding the average estimate of $13.06 million [4] - Other income was reported at $2.17 million, above the average estimate of $1.99 million [4] - Interchange income was $1.55 million, below the average estimate of $1.8 million [4] - Service charges on deposit accounts totaled $3.23 million, surpassing the average estimate of $2.91 million [4] - Wealth management income was reported at $5.74 million, exceeding the average estimate of $5.17 million [4] - Net interest income was $50.53 million, below the average estimate of $51.55 million [4] Stock Performance - Shares of Orrstown have returned +0.9% over the past month, outperforming the Zacks S&P 500 composite's +0.4% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]

Core Viewpoint - Hexcel Corporation is expected to report a decline in earnings despite an increase in revenues for the quarter ending December 2025, with significant implications for its stock price depending on actual results compared to estimates [2][6]. Financial Performance Expectations - Analysts anticipate earnings per share (EPS) of $0.50 and revenue of approximately $481.8 million for the upcoming quarterly earnings release on January 28, 2026 [1]. - The consensus indicates a potential decline in earnings, which could lead to stock price volatility based on the comparison of actual results to these estimates [2]. Market Valuation Metrics - Hexcel has a high price-to-earnings (P/E) ratio of 95.13, suggesting that investors are willing to pay $95.13 for every dollar of earnings, reflecting strong investor confidence in future growth [3][6]. - The price-to-sales ratio stands at 3.48, indicating that investors pay $3.48 for every dollar of sales, which highlights Hexcel's strong market position [3]. Financial Stability Indicators - The enterprise value to sales ratio is 3.84, showing Hexcel's total valuation relative to its sales [4]. - The enterprise value to operating cash flow ratio of 26.89 indicates how many times the operating cash flow can cover the enterprise value [4]. - Hexcel's debt-to-equity ratio of 0.48 reflects a moderate level of debt relative to its equity, suggesting a balanced financial structure [5][6]. - A current ratio of 2.75 indicates a strong ability to cover short-term liabilities with short-term assets, reflecting financial stability [5][6].

Core Viewpoint - Five Star Bancorp (FSBC) demonstrated strong financial performance in the quarter ended December 2025, with significant year-over-year growth in revenue and earnings per share (EPS) [1] Financial Performance - Revenue for the quarter was reported at $43.47 million, marking a year-over-year increase of 23.7% [1] - EPS for the same period was $0.83, compared to $0.63 a year ago, reflecting a positive growth trend [1] - The reported revenue exceeded the Zacks Consensus Estimate of $42.25 million by 2.88% [1] - The EPS also surpassed the consensus estimate of $0.77 by 7.79% [1] Key Metrics - Efficiency ratio stood at 40.6%, slightly better than the average estimate of 40.9% based on two analysts [4] - Net interest margin was reported at 3.7%, above the average estimate of 3.6% from two analysts [4] - Non-interest income was $1.4 million, slightly below the estimated $1.5 million [4] - Net interest income reached $42.07 million, exceeding the average estimate of $40.75 million [4] Stock Performance - Shares of Five Star Bancorp have returned +4.7% over the past month, outperforming the Zacks S&P 500 composite's +0.2% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

Core Insights - HBT Financial reported revenue of $60.44 million for the quarter ended December 2025, marking a year-over-year increase of 2.4% and an EPS of $0.64, slightly up from $0.62 a year ago [1] - The revenue fell short of the Zacks Consensus Estimate of $60.7 million, resulting in a surprise of -0.43%, while the EPS exceeded expectations by +0.52% [1] Financial Performance Metrics - The net interest margin (FTE) stood at 4.2%, aligning with the average estimate from two analysts [4] - Average balances of interest-earning assets were reported at $4.87 billion, surpassing the two-analyst average estimate of $4.83 billion [4] - Net charge-offs to average loans were 0.1%, matching the average estimate from two analysts [4] - The efficiency ratio was recorded at 53.6%, slightly above the estimated 53% [4] - Card income was reported at $2.71 million, below the average estimate of $2.87 million [4] - Other noninterest income totaled $0.72 million, falling short of the estimated $1.09 million [4] - Net interest income (FTE) reached $51.1 million, exceeding the average estimate of $50.72 million [4] - Service charges on deposit accounts were $2.09 million, slightly above the average estimate of $2.06 million [4] - Wealth management fees amounted to $3.36 million, surpassing the average estimate of $3.08 million [4] - Total noninterest income was reported at $9.9 million, below the average estimate of $10.31 million [4] - Mortgage servicing income was $1.06 million, slightly above the average estimate of $1.05 million [4] Stock Performance - HBT Financial shares have returned +5.9% over the past month, outperforming the Zacks S&P 500 composite's +0.2% 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 Viewpoint - Lakeland Financial reported strong financial results for the quarter ended December 2025, with significant year-over-year growth in revenue and earnings per share, exceeding market expectations [1]. Financial Performance - Revenue for the quarter was $69.8 million, reflecting a year-over-year increase of 9.8% [1]. - Earnings per share (EPS) for the quarter was $1.16, compared to $0.94 a year ago, indicating a solid growth in profitability [1]. - The reported revenue surpassed the Zacks Consensus Estimate of $68.4 million, resulting in a positive surprise of +2.04% [1]. - The EPS also exceeded expectations, with a surprise of +11.01% against the consensus estimate of $1.05 [1]. Key Metrics - Net Interest Margin stood at 3.5%, matching the average estimate from two analysts [4]. - The efficiency ratio was reported at 47.9%, slightly higher than the estimated 47.3% [4]. - Net Interest Income (FTE) was $58.31 million, surpassing the average estimate of $57.25 million [4]. - Total Noninterest Income reached $12.6 million, exceeding the average estimate of $12.1 million [4]. Stock Performance - Over the past month, shares of Lakeland Financial returned +0.1%, compared to a +0.2% change in the Zacks S&P 500 composite [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 - Customers Bancorp (CUBI) reported a revenue of $236.94 million for the quarter ended December 2025, marking a 41.5% increase year-over-year, with an EPS of $2.06 compared to $1.36 in the same quarter last year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $229.75 million by 3.13%, and the EPS also surpassed the consensus estimate of $2.04 by 0.88% [1] Financial Performance Metrics - Efficiency Ratio stood at 49.5%, higher than the average estimate of 47.8% based on three analysts [4] - Net Interest Margin was reported at 3.4%, matching the average estimate from two analysts [4] - Average Balance of Total Interest-Earning Assets was $23.93 billion, slightly above the estimated $23.81 billion [4] - Annualized net charge-offs to average loans and leases were 0.3%, better than the average estimate of 0.5% [4] - Total Non-Interest Income reached $32.52 million, exceeding the estimated $27.89 million [4] - Loan fees amounted to $7.42 million, below the average estimate of $10.25 million [4] - Commercial lease income was reported at $14.19 million, surpassing the estimated $11.53 million [4] - Net interest income tax equivalent was $204.78 million, slightly below the average estimate of $205.18 million [4] Stock Performance - Shares of Customers Bancorp have returned +4.9% over the past month, outperforming the Zacks S&P 500 composite's +0.7% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]

Core Insights - Old Republic International (ORI) reported a revenue of $2.36 billion for the quarter ended December 2025, marking a year-over-year increase of 9.5% and exceeding the Zacks Consensus Estimate of $2.31 billion by 2.1% [1] - The company's EPS for the same period was $0.74, down from $0.90 a year ago, resulting in an EPS surprise of -16.85% compared to the consensus estimate of $0.89 [1] Financial Performance Metrics - The Specialty Insurance Segment reported a loss ratio of 67.6%, higher than the average estimate of 63.3% [4] - The Specialty Insurance Segment's expense ratio was 29.7%, slightly above the estimated 29.5% [4] - The Title Insurance Segment had a combined ratio of 94%, better than the average estimate of 96.5% [4] - The Title Insurance Segment's loss ratio was 0.7%, significantly lower than the average estimate of 1.5% [4] - The Title Insurance Segment's expense ratio was 93.3%, below the estimated 95% [4] Revenue Breakdown - Operating revenue for the Specialty Insurance Segment showed net premiums earned of $1.34 billion, slightly below the average estimate of $1.35 billion, with a year-over-year change of +8.1% [4] - The net investment income for the Specialty Insurance Segment was $157 million, exceeding the estimate of $154.08 million, representing a +10.2% change year-over-year [4] - Operating revenue for Corporate & Other was $11.2 million, above the estimate of $10.65 million, but this reflects a -21.7% change compared to the year-ago quarter [4] - The Title Insurance Segment's net premiums earned were $718.1 million, below the average estimate of $733.34 million, with a year-over-year change of +2.4% [4] - The net investment income for the Title Insurance Segment was $17.9 million, slightly above the estimate of $17.39 million, showing an +11.9% change year-over-year [4] - Other income for the Specialty Insurance Segment was reported at $47.2 million, exceeding the average estimate of $45.81 million, with a year-over-year change of +6.3% [4] Stock Performance - Shares of Old Republic have returned -7.5% over the past month, contrasting with the Zacks S&P 500 composite's +0.7% 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]