Core Viewpoint - Equity Bancshares (EQBK) is anticipated to report a year-over-year increase in earnings driven by higher revenues for the quarter ending December 2025, with the consensus outlook suggesting a positive earnings picture [1] Earnings Expectations - The upcoming earnings report is expected to show quarterly earnings of $1.22 per share, reflecting a year-over-year increase of +10.9% [3] - Revenues are projected to reach $71.75 million, which is a 23.1% increase compared to the same quarter last year [3] Estimate Revisions - The consensus EPS estimate has been revised 0.42% higher in the last 30 days, indicating a reassessment by analysts [4] - The Most Accurate Estimate for Equity Bancshares is lower than the Zacks Consensus Estimate, resulting in an Earnings ESP of -4.66%, suggesting a bearish outlook from analysts [12] Earnings Surprise Prediction - The Zacks Earnings ESP model indicates that a positive or negative reading can predict the deviation of actual earnings from consensus estimates, with a strong predictor being a positive Earnings ESP combined with a Zacks Rank of 1, 2, or 3 [10] - Equity Bancshares currently holds a Zacks Rank of 2, but the negative Earnings ESP complicates the prediction of an earnings beat [12] Historical Performance - In the last reported quarter, Equity Bancshares exceeded the expected earnings of $0.99 per share by delivering $1.21, resulting in a surprise of +22.22% [13] - The company has successfully beaten consensus EPS estimates in the last four quarters [14] Industry Context - In the Zacks Banks - Northeast industry, Bank OZK is expected to report earnings of $1.56 per share for the same quarter, with revenues projected at $432.57 million, reflecting a 4.9% increase year-over-year [18] - Bank OZK has an Earnings ESP of +0.11% and a Zacks Rank of 3, indicating a likelihood of beating the consensus EPS estimate [20]

Core Viewpoint - M&T Bank Corporation (MTB) is expected to report year-over-year increases in quarterly revenues and earnings for Q4 and full-year 2025 results on January 16, 2026 [1][10] Financial Performance Expectations - The company anticipates average loan and lease balances to be between $137 billion and $138 billion in Q4 2025, up from $136.5 billion in Q3 2025 [4] - The Zacks Consensus Estimate for average interest-earning assets is $192.3 billion, indicating a nearly 1% increase from the previous quarter [4] - Net interest income (NII) is expected to be approximately $1.8 billion in Q4 2025, reflecting a 2.2% increase from the prior quarter [6] - The consensus estimate for total revenues is pegged at $2.46 billion, implying a rise of 3.3% from the year-ago level [15] Income Sources - Fee income from service charges on deposit accounts is expected to rise, with the Zacks Consensus Estimate at $148.1 million, indicating a 5.1% increase from the prior quarter [7] - Mortgage banking revenues are estimated at $149.8 million, reflecting a 1.9% rise from the previous quarter, supported by lower mortgage rates [9] - Non-interest income is projected to be between $670 million and $690 million, down from $752 million in Q3 2025, with a consensus estimate of $679.2 million indicating a 9.7% decline [11] Expense and Asset Quality Outlook - GAAP expenses are expected to be in the range of $1.35 billion to $1.37 billion in Q4 2025, compared to $1.36 billion in the prior quarter [12] - The net charge-off (NCO) rate is projected to be between 40 and 50 basis points, slightly lower than the 42 basis points reported in Q3 2025 [13] - The Zacks Consensus Estimate for non-performing assets (NPAs) is $1.51 billion, indicating a sequential decline of 2.3% [13] 2025 Projections - For 2025, M&T Bank expects NII (on a tax-equivalent basis) to be in the range of $7.05 billion to $7.15 billion, with a net interest margin projected in the mid to high 3.60% range [16] - Non-interest income is anticipated to be between $2.5 billion and $2.6 billion, while expenses are expected to be in the range of $5.4 billion to $5.5 billion [16] - Average loan and lease balances are projected to be between $135 billion and $137 billion, with average total deposit balances expected at $162 billion to $164 billion [17]

Core Insights - Bank of America (BAC) has a strong history of beating earnings estimates and is well-positioned for continued success in its upcoming quarterly report [1][6] Earnings Performance - The company has consistently surpassed earnings estimates, achieving an average beat of 8.13% over the last two quarters [2] - In the most recent quarter, Bank of America reported earnings of $1.06 per share, exceeding the Zacks Consensus Estimate of $0.94 per share by 12.77% [3] - In the previous quarter, the company posted earnings of $0.89 per share against an expected $0.86, resulting in a surprise of 3.49% [3] Earnings Estimates and Predictions - Recent changes in earnings estimates for Bank of America have been favorable, with a positive Earnings ESP (Expected Surprise Prediction) indicating potential for another earnings beat [6][9] - The current Earnings ESP for Bank of America is +0.49%, reflecting increased analyst optimism regarding its near-term earnings potential [9] - 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] Earnings ESP Explanation - The Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate, with the Most Accurate Estimate being more reflective of recent analyst revisions [8] - A negative Earnings ESP can reduce predictive power but does not necessarily indicate an earnings miss [10]

Core Insights - Fair Isaac (FICO) is positioned to continue its earnings-beat streak, having surpassed earnings estimates by an average of 8.16% in the last two quarters [1][2] Earnings Performance - For the most recent quarter, Fair Isaac reported earnings of $7.74 per share, exceeding the expected $7.34 per share by 5.45% [2] - In the previous quarter, the company reported $8.57 per share against an estimate of $7.73 per share, resulting in a surprise of 10.87% [2] Earnings Estimates and Predictions - There has been a favorable change in earnings estimates for Fair Isaac, with a positive Earnings ESP (Expected Surprise Prediction) indicating a strong likelihood of an earnings beat [5][8] - The current Earnings ESP for Fair Isaac is +0.64%, suggesting analysts are optimistic about its near-term earnings potential [8] Zacks Rank and Success Rate - Fair Isaac holds a Zacks Rank of 2 (Buy), which, when combined with a positive Earnings ESP, indicates a high probability of another earnings beat [8] - Research indicates that stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have a nearly 70% success rate in beating consensus estimates [6]

Core Viewpoint - S&P Global (SPGI) has consistently beaten earnings estimates and is well-positioned for future earnings surprises, particularly with its upcoming quarterly report expected on February 10, 2026 [1][8]. Earnings Performance - In the most recent quarter, S&P Global reported earnings of $4.73 per share, exceeding the expected $4.4 per share, resulting in a surprise of 7.50% [2]. - For the previous quarter, the company reported $4.43 per share against an expectation of $4.25 per share, leading to a surprise of 4.24% [2]. Earnings Estimates and Predictions - Estimates for S&P Global have been trending higher, influenced by its history of earnings surprises [5]. - The company currently has a positive Earnings ESP of +1.70%, indicating increased analyst optimism regarding its near-term earnings potential [8]. - The combination of a positive Earnings ESP and a Zacks Rank of 2 (Buy) suggests a strong likelihood of another earnings beat [8]. Statistical Insights - Research indicates that 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 [6]. - The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate, with the Most Accurate Estimate reflecting the latest analyst revisions [7].

Core Insights - Ameren (AEE) is positioned to continue its earnings-beat streak, having surpassed earnings estimates in the last two quarters by an average of 2.17% [1][5] Earnings Performance - For the most recent quarter, Ameren reported earnings of $2.17 per share, exceeding the expected $2.1 per share by a surprise of 3.33% [2] - In the previous quarter, the company reported $1.01 per share against an estimate of $1 per share, resulting in a surprise of 1.00% [2] Earnings Estimates and Predictions - There has been a favorable change in earnings estimates for Ameren, with a positive Earnings ESP (Expected Surprise Prediction) indicating a strong potential for an earnings beat [5][8] - The current Earnings ESP for Ameren is +0.22%, suggesting increased analyst optimism regarding its near-term earnings potential [8] Zacks Rank and Success Rate - Ameren holds a Zacks Rank of 2 (Buy), which, when combined with a positive Earnings ESP, indicates a high likelihood of another earnings beat [8] - 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 [6]

Core Viewpoint - State Street (STT) is expected to report fourth-quarter and 2025 results on January 16, with anticipated year-over-year growth in revenues and earnings [1][9]. Financial Performance Expectations - The Zacks Consensus Estimate for fourth-quarter earnings is $2.82 per share, reflecting an 8.5% increase from the previous year [2]. - Quarterly sales are estimated at $3.59 billion, indicating a 5.3% year-over-year growth, while full-year sales are projected at $13.88 billion, representing a 6.1% increase [3]. Key Developments - In November, State Street entered a strategic partnership with Albilad Capital to enhance securities services in Saudi Arabia [4]. - The company acquired PriceStats, a provider of global inflation data, and also acquired global custody businesses from Mizuho Financial Group [5][6]. Earnings Drivers - Net Interest Income (NII) is expected to rise to $770 million, a 2.8% year-over-year increase, despite recent interest rate cuts [10][11]. - Fee revenues are projected to grow by 6.8% year-over-year, with FX trading services income estimated at $393 million, a 9.2% increase [12][14]. Expense Management - Total expenses are anticipated to rise due to increased information systems costs and strategic investments, with adjusted expenses expected to grow by 4.5% in 2025 [16][17]. Earnings Surprise History - State Street has a strong earnings surprise history, with an average surprise of 6% over the last four quarters [2][18].

Core Viewpoint - Wall Street anticipates flat earnings for KeyCorp in the upcoming quarter, with earnings per share (EPS) expected to remain at $0.38, while revenues are projected to increase by 10.3% to $1.94 billion compared to the previous year [3]. Earnings Expectations - The consensus EPS estimate for KeyCorp has been revised 0.87% higher in the last 30 days, indicating a positive reassessment by analysts [4]. - A positive Earnings ESP of +1.20% suggests that analysts are optimistic about KeyCorp's earnings prospects, supported by a Zacks Rank of 2 [12]. Earnings History - In the last reported quarter, KeyCorp exceeded the EPS estimate of $0.38 by delivering $0.41, resulting in a surprise of +7.89% [13]. - Over the past four quarters, KeyCorp has consistently beaten consensus EPS estimates [14]. Market Reaction - The stock price may increase if the actual earnings surpass expectations, while a miss could lead to a decline [2]. - The sustainability of any immediate price change will depend on management's commentary during the earnings call [2].

Core Viewpoint - Interactive Brokers Group, Inc. (IBKR) is anticipated to report a year-over-year decline in earnings despite an increase in revenues for the quarter ended December 2025, with the consensus outlook indicating a significant impact on its near-term stock price based on actual results compared to estimates [1][2]. Earnings Expectations - The upcoming earnings report is expected to show quarterly earnings of $0.49 per share, reflecting a year-over-year decrease of 3.9%, while revenues are projected to be $1.43 billion, representing a 0.8% increase from the previous year [3]. - The consensus EPS estimate has been revised down by 0.93% over the last 30 days, indicating a bearish sentiment among analysts regarding the company's earnings prospects [4]. Earnings Surprise Prediction - The Zacks Earnings ESP (Expected Surprise Prediction) model indicates that the Most Accurate Estimate for Interactive Brokers is lower than the Zacks Consensus Estimate, resulting in an Earnings ESP of -8.16%, which complicates the prediction of an earnings beat [12]. - Despite the negative Earnings ESP, the company holds a Zacks Rank of 2 (Buy), suggesting that while the odds of beating the consensus EPS estimate are low, the stock may still be worth monitoring [12]. Historical Performance - In the last reported quarter, Interactive Brokers exceeded the expected earnings of $0.50 per share by delivering $0.57, resulting in a positive surprise of 14.00% [13]. - Over the past four quarters, the company has successfully beaten consensus EPS estimates three times, indicating a history of strong performance [14]. Industry Comparison - The PNC Financial Services Group, Inc. (PNC), a competitor in the financial investment banking sector, is expected to report earnings of $4.23 per share for the same quarter, reflecting a year-over-year increase of 12.2%, with revenues projected at $5.96 billion, up 7.1% [18][19]. - PNC's consensus EPS estimate has been revised up by 0.9% in the last 30 days, and it currently has an Earnings ESP of +0.28%, indicating a higher likelihood of beating the consensus EPS estimate [19][20].

Core Viewpoint - Fastenal (FAST) is anticipated to report a year-over-year increase in earnings driven by higher revenues, with the actual results being a significant factor influencing its near-term stock price [1][2]. Earnings Expectations - The upcoming earnings report is expected to be released on January 20, with a consensus estimate of quarterly earnings at $0.26 per share, reflecting a 13% increase year-over-year. Revenues are projected to reach $2.05 billion, marking a 12.2% increase from the previous year [3]. Estimate Revisions Trend - The consensus EPS estimate has remained unchanged over the last 30 days, indicating that analysts have not significantly altered their initial estimates during this period [4]. Earnings Surprise Prediction - The Zacks Earnings ESP model indicates that the Most Accurate Estimate for Fastenal is lower than the Zacks Consensus Estimate, resulting in an Earnings ESP of -0.64%. This suggests a bearish outlook from analysts regarding the company's earnings prospects [12]. Historical Performance - In the last reported quarter, Fastenal was expected to post earnings of $0.30 per share but delivered $0.29, resulting in a surprise of -3.33%. Over the past four quarters, the company has only beaten consensus EPS estimates once [13][14]. Conclusion - Fastenal does not appear to be a strong candidate for an earnings beat based on current estimates and historical performance. Investors are advised to consider other factors when making decisions regarding this stock ahead of its earnings release [17].