Core Viewpoint - Saia (SAIA) is positioned well to potentially beat earnings estimates in its upcoming quarterly report, supported by a strong history of exceeding expectations in previous quarters [1]. Earnings Performance - Saia has a solid track record of surpassing earnings estimates, with an average surprise of 11.17% over the last two quarters [2]. - In the last reported quarter, Saia achieved earnings of $2.81 per share, exceeding the Zacks Consensus Estimate of $2.54 per share by 10.63% [3]. - For the previous quarter, Saia's earnings were $2.67 per share against an expected $2.39 per share, resulting in a surprise of 11.72% [3]. Earnings Estimates and Predictions - Recent estimates for Saia have been trending upward, indicating positive sentiment among analysts [6]. - The Zacks Earnings ESP for Saia is currently +0.99%, suggesting bullish expectations for near-term earnings [9]. - The combination of a positive Earnings ESP and a Zacks Rank of 3 (Hold) indicates a high likelihood of another earnings beat, with historical data showing that this combination leads to positive surprises nearly 70% of the time [7][9].

Core Viewpoint - The market anticipates a year-over-year decline in earnings for First Citizens BancShares (FCNCA) due to lower revenues, with actual results being crucial for stock price movement [1][2]. Earnings Expectations - First Citizens is expected to report quarterly earnings of $44.21 per share, reflecting a -2% change year-over-year, with revenues projected at $2.21 billion, down 8% from the previous year [3]. - The consensus EPS estimate has been revised 0.36% lower in the last 30 days, indicating a reassessment by analysts [4]. Earnings Surprise Prediction - The Zacks Earnings ESP model shows a positive Earnings ESP of +0.07% for First Citizens, suggesting analysts have recently become more optimistic about the company's earnings prospects [12]. - The stock holds a Zacks Rank of 3, indicating a hold position, which suggests a likelihood of beating the consensus EPS estimate [12]. Historical Performance - In the last reported quarter, First Citizens exceeded the expected earnings of $41.51 per share by delivering $44.62, resulting in a surprise of +7.49% [13]. - Over the past four quarters, the company has consistently beaten consensus EPS estimates [14]. Industry Context - In the Zacks Banks - Southeast industry, Amerant Bancorp Inc. is expected to report earnings of $0.43 per share, indicating a -14% year-over-year change, with revenues projected at $106.51 million, down 4.3% [18]. - The consensus EPS estimate for Amerant Bancorp has been revised 6.8% lower in the last 30 days, with an Earnings ESP of 0.00%, making it challenging to predict a beat on the consensus EPS estimate [19].

Core Insights - The Travelers Companies, Inc. (TRV) is anticipated to experience a decline in earnings but an increase in revenues for the fourth quarter of 2025, with revenue expected to reach $12.41 billion, reflecting a 2.9% growth year-over-year [1] - The consensus estimate for earnings per share is $8.37, indicating an 8.5% decrease compared to the previous year, although the estimate has increased by 0.3% in the last 30 days [2] Revenue and Earnings Estimates - The Zacks Consensus Estimate for TRV's fourth-quarter revenues is $12.41 billion, which represents a 2.9% increase from the prior year [1] - The earnings estimate is $8.37 per share, which is a decrease of 8.5% year-over-year, despite a slight upward revision in the last month [2] Earnings Prediction Model - The current model does not predict an earnings beat for Travelers, as it lacks the necessary combination of a positive Earnings ESP and a favorable Zacks Rank [3] - TRV has an Earnings ESP of -0.10%, with the Most Accurate Estimate at $8.36, which is lower than the consensus estimate [4] Segment Performance - All three segments are expected to perform better, contributing positively to the fourth-quarter results [5] - Premiums are projected to increase by 1.9% to $11 billion, driven by improved pricing, strong retention, and exposure growth [5] - The Personal Insurance segment is estimated to generate $4.5 billion in premiums, a 4.1% increase year-over-year [7] - The Bond & Specialty Insurance segment is expected to reach $1 billion in premiums, reflecting a 0.1% improvement from the previous year [8] - The Business Insurance segment is projected to generate $5.5 billion in premiums, indicating a 0.6% increase year-over-year [10] Investment Income and Underwriting - Investment income is expected to rise due to higher fixed income yields, with net investment income estimated at $1 billion, a 10.4% increase from the previous year [6] - The underwriting profitability is anticipated to improve, with a combined ratio estimated at 84.4, compared to the consensus estimate of 87 [11] Expense Outlook - Total expenses are expected to rise by 8.3% to $10.2 billion, influenced by higher claims and administrative costs [12] - Continued share buybacks are anticipated to provide additional support to the bottom line [12]

Core Viewpoint - Capital One (COF) is well-positioned to continue its earnings-beat streak, having a strong history of surpassing earnings estimates, particularly in the last two quarters with an average surprise of 42.37% [1] Earnings Performance - For the most recent quarter, Capital One reported earnings of $5.95 per share, exceeding the expected $4.2 per share, resulting in a surprise of 41.67% [2] - In the previous quarter, the company reported $5.48 per share against an estimate of $3.83 per share, achieving a surprise of 43.08% [2] Earnings Estimates and Predictions - Recent estimates for Capital One have been increasing, with a positive Earnings ESP (Expected Surprise Prediction) indicating a strong likelihood of another earnings beat [4] - The Zacks Earnings ESP for Capital One is currently +2.07%, suggesting analysts are optimistic about its near-term earnings potential [7] Zacks Rank and Predictive Power - The combination of a positive Earnings ESP and a Zacks Rank of 3 (Hold) indicates a high probability of a positive earnings surprise, with historical data showing that nearly 70% of stocks with this combination beat consensus estimates [5][6] - The next earnings report for Capital One is anticipated to be released on January 22, 2026 [7]

Core Insights - Cirrus Logic (CRUS) is positioned to continue its earnings-beat streak, having a strong history of surpassing earnings estimates, with an average surprise of 29.52% over the last two quarters [1][5] Earnings Performance - For the most recent quarter, Cirrus Logic reported earnings of $2.83 per share, exceeding the expected $2.4 per share by 17.92%. In the previous quarter, the company reported $1.51 per share against an estimate of $1.07 per share, resulting in a surprise of 41.12% [2] Earnings Estimates and Predictions - Estimates for Cirrus Logic have been trending higher due to its history of earnings surprises. The stock currently has a positive Zacks Earnings ESP of +5.90%, indicating bullish sentiment among analysts regarding its earnings prospects [5][8] - The combination of a positive Earnings ESP and a Zacks Rank of 2 (Buy) suggests a high likelihood of another earnings beat in the upcoming report, expected on February 3, 2026 [8] Earnings ESP Insights - The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate, with the Most Accurate Estimate reflecting the latest analyst revisions, which are often more accurate [7] - Stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have a nearly 70% chance of producing a positive surprise, indicating a strong predictive power for earnings performance [6]

Core Viewpoint - IPG Photonics (IPGP) is positioned well to potentially beat earnings estimates in its upcoming quarterly report, supported by a strong history of exceeding expectations [1]. Earnings Performance - IPG has a notable track record of surpassing earnings estimates, with an average surprise of 159.38% over the last two quarters [2]. - In the most recent quarter, IPG reported earnings of $0.35 per share against an expectation of $0.16, resulting in a surprise of 118.75% [2]. - For the previous quarter, the consensus estimate was $0.1 per share, while the actual earnings were $0.3 per share, leading to a surprise of 200.00% [2]. Earnings Estimates and Predictions - Recent changes in earnings estimates for IPG have been favorable, with a positive Zacks Earnings ESP (Expected Surprise Prediction) indicating a strong likelihood of an earnings beat [5]. - Stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have historically produced positive surprises nearly 70% of the time [6]. - IPG currently has an Earnings ESP of +15.08%, suggesting analysts are optimistic about the company's earnings prospects [8]. Zacks Rank and Earnings ESP - The combination of a positive Earnings ESP and a Zacks Rank of 2 (Buy) indicates a strong possibility of another earnings beat for IPG [8]. - A negative Earnings ESP does not necessarily indicate an earnings miss but can reduce the predictive power of the metric [8]. Importance of Earnings ESP - It is crucial to check a company's Earnings ESP before its quarterly release to enhance the chances of investment success [10].

Core Insights - MasterCraft Boat Holdings, Inc. (MCFT) has a strong track record of exceeding earnings estimates, particularly in the last two quarters, with an average surprise of 98.61% [2][6] - The company reported earnings of $0.28 per share for the most recent quarter, surpassing the expected $0.16 per share, resulting in a surprise of 75.00% [3] - For the previous quarter, MasterCraft reported $0.40 per share against an expectation of $0.18 per share, achieving a surprise of 122.22% [3] Earnings Estimates and Predictions - Estimates for MasterCraft Boat Holdings, Inc. have been trending upward, influenced by its history of earnings surprises [6] - The stock currently has a positive Zacks Earnings ESP of +4.08%, indicating increased analyst optimism regarding its near-term earnings potential [9] - The combination of a positive Earnings ESP and a Zacks Rank of 1 (Strong Buy) suggests a high likelihood of another earnings beat [9] Earnings ESP and Market Behavior - Stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have a nearly 70% chance of producing a positive surprise [7] - The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate, with the Most Accurate Estimate reflecting the latest analyst revisions [8] - A negative Earnings ESP does not necessarily indicate an earnings miss, but it reduces predictive power [9]

Core Insights - Old National Bancorp (ONB) is well-positioned to continue its earnings-beat streak, having a history of surpassing earnings estimates, particularly in the last two quarters with an average surprise of 4.64% [1] Earnings Performance - For the last reported quarter, Old National Bancorp achieved earnings of $0.59 per share, exceeding the Zacks Consensus Estimate of $0.56 per share, resulting in a surprise of 5.36% [2] - In the previous quarter, the company was expected to report earnings of $0.51 per share but delivered $0.53 per share, yielding a surprise of 3.92% [2] Earnings Estimates and Predictions - There has been a favorable change in earnings estimates for Old National Bancorp, with a positive Earnings ESP (Expected Surprise Prediction) indicating a strong likelihood of an earnings beat, especially given its solid Zacks Rank [5] - Stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have historically produced a positive surprise nearly 70% of the time, suggesting a high probability of beating consensus estimates [6] Current Earnings ESP - Old National Bancorp currently has an Earnings ESP of +2.69%, indicating that analysts have recently become more optimistic about the company's earnings prospects [8] - This positive Earnings ESP, combined with a Zacks Rank of 2 (Buy), suggests that another earnings beat may be forthcoming, with the next earnings report expected on January 21, 2026 [8]

Core Viewpoint - Nasdaq (NDAQ) is positioned well to potentially beat earnings estimates in its upcoming quarterly report, supported by a solid history of exceeding expectations [1]. Earnings Performance - Nasdaq has a strong track record of surpassing earnings estimates, particularly in the last two quarters, with an average surprise of 5.51% [2]. - In the last reported quarter, Nasdaq achieved earnings of $0.88 per share, exceeding the Zacks Consensus Estimate of $0.84 per share, resulting in a surprise of 4.76% [3]. - For the previous quarter, the company was expected to report earnings of $0.80 per share but delivered $0.85 per share, yielding a surprise of 6.25% [3]. Earnings Estimates and Predictions - Recent estimates for Nasdaq have been trending upward, with a positive Zacks Earnings ESP (Expected Surprise Prediction), indicating a strong likelihood of an earnings beat [6]. - Stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have historically produced a positive surprise nearly 70% of the time, suggesting a high probability of exceeding consensus estimates [7]. - Nasdaq currently has an Earnings ESP of +1.21%, reflecting a bullish sentiment among analysts regarding the company's earnings prospects [8]. Upcoming Earnings Report - The next earnings report for Nasdaq is expected to be released on January 29, 2026 [8].

Core Insights - Charles Schwab (SCHW) is expected to report fourth-quarter and 2025 results on January 21, with anticipated year-over-year increases in earnings and revenues [1][9] - The company has a strong earnings surprise history, surpassing the Zacks Consensus Estimate in the last four quarters with an average beat of 6.6% [2] Earnings Expectations - The Zacks Consensus Estimate for fourth-quarter earnings is $1.34 per share, indicating a 32.7% rise from the previous year [16] - The consensus estimate for quarterly sales is $6.24 billion, suggesting a 17.2% increase from the prior-year quarter [17] Revenue Drivers - Trading revenues are projected to rise, with the Zacks Consensus Estimate set at $1.03 billion, reflecting a 17.6% increase year-over-year [4] - Net interest revenues (NIR) are expected to reach $3.13 billion, marking a 23.7% increase from the previous year [6] - Asset management and administration fees are estimated at $1.70 billion, indicating a year-over-year growth of 12.5% due to strong equity market performance [7] Market Conditions - Client activity and market volatility were solid in the fourth quarter, influenced by factors such as the longest U.S. government shutdown, a dip in consumer sentiment, easing monetary policy, and a dominant AI theme [3] - The average interest-earning assets for the quarter are estimated at $434 billion, reflecting a year-over-year rise of 1.9% [4] Expense Outlook - Operating expenses are expected to remain elevated due to regulatory spending, strategic acquisitions, and efforts to enhance business efficiency [8] - Management anticipates expenses for 2025 to rise by approximately 5.25% or slightly higher [10] Strategic Developments - In November, Schwab announced an agreement to acquire Forge Global Holdings, Inc. for $660 million, expected to close in the first half of 2026 [11] - This acquisition aligns with Schwab's strategy to enhance private market capabilities for retail and advisor clients [13]