Core Insights - V.F. Corporation (VFC) reported revenue of $2.88 billion for the quarter ended December 2025, reflecting a year-over-year increase of 1.5% and a positive surprise of 4.26% over the Zacks Consensus Estimate of $2.76 billion [1] - The earnings per share (EPS) for the quarter was $0.58, down from $0.62 in the same quarter last year, but exceeded the consensus estimate of $0.43 by 34.88% [1] Revenue Performance - Geographic Revenue: - Americas: $1.54 billion, exceeding the average estimate of $1.49 billion, with a year-over-year change of +2.1% [4] - Europe: $928.7 million, below the estimated $954.64 million, with a year-over-year change of +3.9% [4] - Asia-Pacific: $408.4 million, below the estimated $439.9 million, with a year-over-year change of -5.7% [4] - Revenue by Segment: - Outdoor: $1.93 billion, surpassing the average estimate of $1.86 billion, with a year-over-year change of +4% [4] - Active: $671.84 million, slightly below the estimate of $675.07 million, with a year-over-year change of -12.3% [4] - All Other: $277.96 million, exceeding the estimate of $250.93 million [4] Brand Performance - Revenue by Brand: - The North Face: $1.36 billion, exceeding the average estimate of $1.31 billion, with a year-over-year change of +8.2% [4] - Vans: $557.6 million, below the estimate of $574.83 million, with a year-over-year change of -8.2% [4] - Timberland: $569.7 million, exceeding the estimate of $541.66 million, with a year-over-year change of +8.1% [4] Profitability Metrics - Segment Profit (Loss): - Outdoor: $407.73 million, exceeding the average estimate of $388.3 million [4] - Active: $-4.62 million, below the estimate of $9.85 million [4] Stock Performance - V.F. shares have returned +11.1% 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 potential performance in line with the broader market in the near term [3]

Core Insights - NextEra Energy (NEE) reported $6.5 billion in revenue for Q4 2025, a year-over-year increase of 20.7% [1] - The EPS for the same period was $0.54, slightly up from $0.53 a year ago, with an EPS surprise of +1.89% [1] - The revenue reported was a slight miss of -0.33% compared to the Zacks Consensus Estimate of $6.52 billion [1] Financial Performance Metrics - Florida Power & Light (FPL) operating revenues were $4.27 billion, exceeding the average estimate of $3.94 billion by analysts, reflecting a +10.8% year-over-year change [4] - NextEra Energy Resources (NEER) reported operating revenues of $2.12 billion, which was below the estimated $2.75 billion, but showed a significant +46.2% increase compared to the previous year [4] - Operating income for FPL was $1.51 billion, surpassing the estimated $1.28 billion [4] - NEER's operating income was $191 million, significantly lower than the average estimate of $959.97 million [4] - Corporate & Other segment reported an operating loss of $112 million, worse than the estimated loss of $52.5 million [4] Stock Performance - NextEra shares have returned +6.5% over the past month, outperforming the Zacks S&P 500 composite's +0.4% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]

Core Insights - Brown & Brown (BRO) reported a revenue of $1.61 billion for the quarter ended December 2025, reflecting a year-over-year increase of 35.7% [1] - The earnings per share (EPS) for the quarter was $0.93, up from $0.86 in the same quarter last year, with an EPS surprise of +2.53% compared to the consensus estimate of $0.91 [1] Financial Performance - The reported revenue was a slight miss, with a surprise of -2.16% against the Zacks Consensus Estimate of $1.64 billion [1] - Total organic growth was reported at -2.8%, which was below the five-analyst average estimate of -0.7% [4] - Commissions and fees totaled $1.58 billion, which was below the six-analyst average estimate of $1.62 billion, but represented a year-over-year increase of 36.1% [4] - Retail commissions and fees were reported at $911 million, compared to the average estimate of $935.63 million [4] - Total revenues from retail were $920 million, exceeding the estimated $965.15 million, marking a year-over-year increase of 44.7% [4] - Specialty distribution revenues were reported at $678 million, slightly below the average estimate of $684.38 million [4] Income Metrics - Income before income taxes for retail was $131 million, lower than the average estimate of $165.67 million [4] - Income before income taxes for other segments was reported at -$21 million, significantly better than the average estimate of -$106.77 million [4] - Specialty distribution income before income taxes was $211 million, compared to the average estimate of $233.13 million [4] Stock Performance - Over the past month, shares of Brown & Brown have returned -2%, while the Zacks S&P 500 composite saw a +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 - Graco Inc. reported revenue of $593.2 million for the quarter ended December 2025, reflecting an 8.1% increase year-over-year and a surprise of +1.39% over the Zacks Consensus Estimate of $585.09 million [1] - The company's EPS for the quarter was $0.77, up from $0.64 in the same quarter last year, although it represented a slight miss of -0.52% against the consensus estimate [1] Financial Performance Metrics - Net sales in Expansion Markets were $43.4 million, below the four-analyst average estimate of $47.21 million [4] - Net Sales for Contractors reached $265.46 million, compared to the average estimate of $271 million, marking a year-over-year increase of +7.5% [4] - Industrial net sales were reported at $284.29 million, exceeding the average estimate of $266.68 million, with a significant year-over-year change of +71.6% [4] - Operating earnings for the Industrial segment were $91.89 million, surpassing the average estimate of $88.39 million [4] - Operating earnings for Expansion Markets were $12.21 million, compared to the average estimate of $10.25 million [4] - Unallocated corporate expenses were reported at -$10.54 million, slightly better than the average estimate of -$10.88 million [4] - Contractor operating earnings were $65.02 million, below the average estimate of $71.05 million [4] Stock Performance - Graco's shares have returned +3.8% 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]

Financial Data and Key Metrics Changes - Webster Financial Corporation generated a 17% ROTCE and a 1.2% ROA for the full year 2025, with EPS up 10% year-over-year [7] - Loans grew by 8% and deposits by 6% over the year, while tangible book value per share increased by 13% [7] - The company repurchased 10.9 million shares, enhancing capital distributions to shareholders [8] Business Line Data and Key Metrics Changes - In the fourth quarter, loans increased by $1.5 billion or 2.8%, with a full-year growth of 7.8%, primarily driven by commercial loan categories [14] - Classified commercial loans decreased by 7% and nonperforming loans were down 8%, indicating progress in credit remediation [10][18] - HSA Bank is expected to drive $1 billion-$2.5 billion in incremental deposit growth over the next five years, with $50 million-$100 million growth anticipated in 2026 [12] Market Data and Key Metrics Changes - The overall asset quality trends remain solid, with non-performing assets down 8% and commercial classified loans down 7% [18] - The company operates from a strong capital position, with capital ratios above well-capitalized levels [19] Company Strategy and Development Direction - Webster aims to enhance financial performance while investing in non-traditional banking verticals, including HSA Bank and Ametros [8][21] - The company is focused on maintaining profitability and returns while exploring organic growth and potential tuck-in acquisitions [91] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about entering 2026 with robust capital levels and a strong funding and liquidity profile [9] - The outlook for 2026 anticipates loan growth of 5%-7% and deposit growth of 4%-6%, with expected revenue of $3 billion [19][21] Other Important Information - The company is closely monitoring healthcare policy developments that could enhance HSA Bank's growth potential [12] - The acquisition of SecureSave is expected to enhance the company's offerings in emergency savings accounts, although it is characterized as a small business [138] Q&A Session Summary Question: Update on loan growth influenced by the partnership with Marathon - Management indicated that while the partnership is operational, it has not yet had a material impact on loan growth trajectory, expecting $2 million in positive income from the joint venture [30][31] Question: Insights on expense trends related to marketing and client outreach - The majority of investments are focused on marketing to identify and educate potential HSA holders, with technology investments already in place [32][34] Question: Impact of potential changes in regulatory thresholds on company plans - Management noted that while changes could reduce expenses, it would not significantly alter the strategic growth trajectory of the bank [40][41] Question: NIM trajectory expectations for early 2026 - The company expects to maintain a NIM of around 335 basis points throughout 2026, with some seasonal variability [43] Question: Thoughts on loan growth and reserve reductions - Management indicated that credit spreads have tightened, and they expect to grow in lower-risk sectors, potentially leading to further reductions in reserves as a percentage of loans [52][54] Question: Update on HSA account openings during the enrollment season - The company reported a positive trend in account openings, slightly ahead of the previous year, with expectations for continued growth [87][88] Question: Future buyback activity and capital management - Management anticipates continued share repurchases in 2026, with a focus on maintaining a CET1 ratio above 11% [91][92]

Core Insights - Intel reported $13.67 billion in revenue for Q4 2025, a year-over-year decline of 4.1%, with an EPS of $0.15, up from $0.13 a year ago, indicating a positive EPS surprise of +86.1% compared to the consensus estimate of $0.08 [1] Revenue Performance - Total net revenues for Intel Products Group were $12.93 billion, slightly above the estimated $12.68 billion, but reflecting a year-over-year decline of 0.7% [4] - Data Center and AI revenues reached $4.74 billion, exceeding the average estimate of $4.36 billion, with a significant year-over-year increase of +39.9% [4] - Client Computing Group revenues were reported at $8.19 billion, slightly below the estimate of $8.33 billion, showing a modest year-over-year growth of +2.2% [4] - Intel Foundry Services generated $4.51 billion, surpassing the estimate of $4.39 billion, with a year-over-year change of +0.1% [4] - Net revenues from intersegment eliminations were reported at -$4.34 billion, better than the estimate of -$4.44 billion, with a year-over-year change of +0.6% [4] Stock Performance - Intel's shares have returned +50% over the past month, significantly outperforming the Zacks S&P 500 composite, which saw a change of +0.7% [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 - Procter & Gamble (PG) reported revenue of $22.21 billion for the quarter ended December 2025, reflecting a year-over-year increase of 1.5% and an EPS of $1.88, unchanged from the previous year [1] - The revenue fell short of the Zacks Consensus Estimate of $22.29 billion by 0.36%, while the EPS exceeded the consensus estimate of $1.87 by 0.33% [1] Financial Performance Metrics - Organic Sales Growth in Beauty was 4%, surpassing the estimated 2.2% [4] - Organic Sales Growth in Baby, Feminine & Family Care declined by 4%, worse than the estimated -2.2% [4] - Organic Sales Growth in Health Care was 3%, exceeding the average estimate of 1% [4] - Net Sales in Beauty reached $4.04 billion, above the estimated $3.99 billion, marking a year-over-year increase of 5% [4] - Net Sales in Grooming were $1.79 billion, slightly below the estimated $1.8 billion, with a year-over-year increase of 2.4% [4] - Net Sales in Corporate were $160 million, below the estimated $166.23 million, with a year-over-year increase of 0.6% [4] - Net Sales in Fabric & Home Care were $7.69 billion, slightly above the estimated $7.67 billion, with a year-over-year increase of 1.5% [4] - Net Sales in Baby, Feminine & Family Care were $5.12 billion, below the estimated $5.28 billion, reflecting a year-over-year decline of 3.3% [4] - Net Sales in Health Care were $3.41 billion, exceeding the estimated $3.31 billion, with a year-over-year increase of 4.8% [4] Earnings Performance - Earnings before income taxes in Beauty were $992 million, below the average estimate of $1.07 billion [4] - Earnings before income taxes in Grooming were $531 million, below the average estimate of $577.96 million [4] - Earnings before income taxes in Health Care were $1.01 billion, slightly above the estimated $995.8 million [4] Stock Performance - P&G shares returned +1.1% over the past month, outperforming the Zacks S&P 500 composite's +0.7% 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 - NRG Energy, Inc. is valued at $29.1 billion and operates a diverse portfolio of power-generating facilities, with an upcoming announcement of its fiscal fourth-quarter earnings for 2025 [1] Financial Performance - Analysts expect NRG to report a profit of $1.19 per share for the upcoming quarter, a decrease of 21.7% from $1.52 per share in the same quarter last year [2] - For the full fiscal year, analysts project an EPS of $8.08, which represents a 21.7% increase from $6.64 in fiscal 2024, and an expected rise to $10.24 in fiscal 2026, reflecting a year-over-year growth of 26.7% [3] Stock Performance - NRG's stock has outperformed the S&P 500 Index, gaining 42.5% over the past 52 weeks compared to the index's 13.3% increase, and also surpassed the Utilities Select Sector SPDR Fund's 9% gains during the same period [4] Strategic Moves - The acquisition of assets from LS Power is expected to double NRG's natural gas generation capacity, positively impacting its performance [5] Analyst Ratings - The consensus opinion on NRG stock is moderately bullish, with a "Moderate Buy" rating. Out of 13 analysts, nine recommend a "Strong Buy" and four suggest a "Hold." The average analyst price target is $211.64, indicating a potential upside of 42.1% from current levels [6]

Core Viewpoint - Bank OZK is set to release its quarterly earnings on January 20, 2026, with analysts projecting an EPS of $1.56 and revenues of approximately $434.3 million, indicating a positive trend in financial performance [1][5]. Financial Performance - The consensus EPS estimate has been revised upwards by 0.1% over the past month, which may influence investor behavior and stock price performance [2]. - The anticipated revenue growth of 4.9% year-over-year suggests a positive trend in the bank's financial performance [5]. Valuation Metrics - The price-to-earnings (P/E) ratio is approximately 7.8, indicating how the market values its earnings [3][5]. - The price-to-sales ratio is about 1.97, reflecting the company's market value relative to its sales [3]. - The enterprise value to sales ratio is around 1.12, suggesting the company's total value compared to its sales [3]. Leverage and Liquidity - The bank's debt-to-equity ratio is approximately 0.13, indicating a relatively low level of debt compared to its equity, which may appeal to investors [4][5]. - The current ratio of around 0.11 may raise liquidity considerations, indicating the company's ability to cover short-term liabilities with its short-term assets [4].

Core Viewpoint - RPM International Inc. is poised to report its quarterly earnings on January 8, 2026, with analysts forecasting an EPS of $1.42 and revenue of $1.93 billion, indicating a positive financial outlook for the company [1][6] Financial Performance - RPM reported an EPS of $1.41 in the previous year, showing a slight increase from $1.39 the year before, reflecting consistent growth in earnings per share [2] - The projected revenue of $1.93 billion for the upcoming quarter represents an increase from $1.85 billion reported in the same period last year, indicating a positive trend in sales [2] Financial Metrics - The company has a P/E ratio of 19.82, indicating the price investors are willing to pay for each dollar of earnings [3] - RPM's price-to-sales ratio is 1.83, and its enterprise value to sales ratio is 2.19, highlighting how the market values RPM's sales and overall valuation [3] Financial Stability - RPM's current ratio is 2.26, indicating a strong ability to cover short-term liabilities [4] - The debt-to-equity ratio stands at 0.99, suggesting a balanced approach to leveraging debt [4] - The recent increase in dividends from 51 cents to 54 cents per share reflects the company's commitment to returning value to shareholders [4] Stock Performance - RPM's stock has seen a recent increase of 1.9%, closing at $105.71 [5] - Citigroup analyst Patrick Cunningham maintains a Buy rating on the stock, with a price target adjustment from $136 to $127, reflecting market conditions and RPM's financial outlook [5]