Core Insights - Civista Bancshares (CIVB) reported revenue of $40.63 million for Q1 2025, a year-over-year increase of 10.2% and exceeding the Zacks Consensus Estimate of $40.09 million by 1.37% [1] - The company achieved an EPS of $0.66, up from $0.41 a year ago, representing a surprise of 32% compared to the consensus estimate of $0.50 [1] Financial Performance Metrics - Net interest margin (tax equivalent) was reported at 3.5%, surpassing the average estimate of 3.4% from two analysts [4] - The efficiency ratio (non-GAAP) stood at 64.9%, significantly better than the average estimate of 72.1% [4] - Net interest income reached $32.77 million, exceeding the average estimate of $31.52 million [4] - Net gain on sale of loans was $0.60 million, below the average estimate of $1.15 million [4] - Total noninterest income was reported at $7.86 million, slightly below the average estimate of $8.01 million [4] Stock Performance - Shares of Civista Bancshares have returned +5.4% over the past month, contrasting with the Zacks S&P 500 composite's -5.1% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]

Core Insights - Bread Financial Holdings (BFH) reported a revenue of $970 million for the quarter ended March 2025, reflecting a decrease of 2.1% year-over-year, while EPS increased to $2.86 from $2.73 in the previous year, indicating a positive trend in earnings despite revenue decline [1] - The revenue exceeded the Zacks Consensus Estimate by 1.28%, while the EPS surpassed the consensus estimate by 36.19%, suggesting stronger-than-expected performance in earnings [1] Financial Performance Metrics - Efficiency Ratio stood at 49.1%, better than the average estimate of 52.4% from three analysts [4] - Net Interest Margin was reported at 18.1%, slightly above the estimated 17.8% [4] - Total Risk-based Capital Ratio was 15.5%, exceeding the average estimate of 14.2% [4] - Common equity tier 1 Capital Ratio was 12%, below the estimated 12.8% [4] - Total interest income reached $1.23 billion, slightly below the average estimate of $1.25 billion [4] - Interest on cash and investment securities was $46 million, lower than the estimated $49.26 million [4] - Interchange revenue was reported at -$83 million, better than the estimated -$96.84 million [4] - Interest and fees on loans totaled $1.19 billion, slightly below the estimate of $1.20 billion [4] - Net interest income matched the average estimate of $1.01 billion [4] - Total non-interest income was -$36 million, outperforming the estimate of -$51.58 million [4] - Other Non-Interest Income was $47 million, exceeding the estimated $44.74 million [4] Stock Performance - Shares of Bread Financial have returned -7% over the past month, compared to a -5.1% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]

The reported revenue represents a surprise of -0.61% over the Zacks Consensus Estimate of $111.12 million. With the consensus EPS estimate being $0.54, the EPS surprise was +11.11%. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance. Since these metrics play a crucial role in drivin ...

Group 1 - CMS Energy reported $2.45 billion in revenue for Q1 2025, a year-over-year increase of 12.5% [1] - The EPS for the same period was $1.02, compared to $0.97 a year ago, with a consensus EPS estimate of $1.05, resulting in an EPS surprise of -2.86% [1] - The reported revenue exceeded the Zacks Consensus Estimate of $2.24 billion by 9.04% [1] Group 2 - Key metrics indicate that CMS Energy's shares returned +0.3% over the past month, while the Zacks S&P 500 composite declined by -5.1% [3] - CMS Energy holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3] Group 3 - NorthStar Clean Energy's operating revenue was $99 million, surpassing the three-analyst average estimate of $72.24 million, reflecting a year-over-year change of +25.3% [4] - Consumers Energy (Electric+Gas) reported operating revenue of $2.35 billion, exceeding the three-analyst average estimate of $2.17 billion [4] - The Gas utility segment generated $1.05 billion in operating revenue, above the two-analyst average estimate of $1.01 billion, marking a year-over-year change of +8.7% [4] - The Electric utility segment reported $1.30 billion in operating revenue, compared to the estimated $1.17 billion, representing a +14.8% change year-over-year [4]

Core Insights - Ameriprise Financial Services (AMP) reported $4.31 billion in revenue for Q1 2025, a year-over-year increase of 5.1%, with an EPS of $9.50 compared to $8.39 a year ago [1] - The revenue fell short of the Zacks Consensus Estimate of $4.38 billion by -1.68%, while the EPS exceeded the consensus estimate of $9.12 by +4.17% [1] Financial Performance Metrics - Total Assets Under Administration were reported at $314.06 million, slightly below the average estimate of $316.39 million [4] - Total Assets Under Management and Administration stood at $1.49 billion, matching the average estimate [4] - Net investment income revenues were $868 million, exceeding the average estimate of $843.40 million, but reflecting a year-over-year decline of -3.7% [4] - Premiums, policy and contract charges revenues were $360 million, below the estimated $390.76 million, marking a -7.7% change year-over-year [4] - Management and financial advice fees revenues were $2.60 billion, slightly below the average estimate of $2.64 billion, but showing a year-over-year increase of +8.5% [4] - Distribution fees revenues were $522 million, compared to the average estimate of $533.44 million, reflecting a +3.2% year-over-year change [4] - Asset Management revenues were reported at $846 million, below the average estimate of $881.58 million, indicating a -1.1% year-over-year change [4] - Advice and Wealth Management Distribution fees revenues were $613 million, compared to the average estimate of $625.44 million, showing a +2.5% year-over-year change [4] Stock Performance - Ameriprise shares have returned -6.6% over the past month, underperforming the Zacks S&P 500 composite's -5.1% change [3] - The stock currently holds a Zacks Rank 4 (Sell), suggesting potential underperformance in the near term [3]

Core Insights - Old Second Bancorp (OSBC) reported revenue of $73.11 million for Q1 2025, a 4% year-over-year increase, and an EPS of $0.45, down from $0.47 a year ago [1] - The revenue exceeded the Zacks Consensus Estimate of $70.55 million by 3.62%, while the EPS fell short of the consensus estimate of $0.46 by 2.17% [1] Financial Performance Metrics - Efficiency Ratio stood at 56.5%, better than the average estimate of 57.2% from three analysts [4] - Net Interest Margin was reported at 4.9%, surpassing the average estimate of 4.6% [4] - Total noninterest income was $10.20 million, below the average estimate of $10.55 million [4] - Net Interest Income (TE) reached $63.25 million, exceeding the average estimate of $60.65 million [4] - Net gain on sales of mortgage loans was $0.46 million, slightly above the average estimate of $0.40 million [4] Stock Performance - Shares of Old Second Bancorp have declined by 9.8% over the past month, compared to a 6.6% decline 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]

Core Financial Performance - Goosehead Insurance reported revenue of $75.58 million for the quarter ended March 2025, reflecting a year-over-year increase of 17.3% [1] - The earnings per share (EPS) for the quarter was $0.26, a decrease from $0.28 in the same quarter last year [1] - The reported revenue fell short of the Zacks Consensus Estimate of $78.25 million, resulting in a surprise of -3.41% [1] - The company achieved an EPS surprise of +13.04%, with the consensus EPS estimate being $0.23 [1] Key Metrics Analysis - Total Core Revenue was reported at $69.12 million, compared to the average estimate of $72.56 million, marking a year-over-year change of +17.5% [4] - Core Revenue from Renewal Commissions was $16.95 million, below the estimated $18.39 million, but showed a +6.2% change year-over-year [4] - Core Revenue from Renewal Royalty Fees was $37.24 million, slightly above the estimate of $37.10 million, with a year-over-year increase of +28.2% [4] - Total Ancillary Revenue reached $4.93 million, exceeding the average estimate of $3.95 million, representing a significant year-over-year increase of +57.8% [4] Stock Performance - Goosehead's shares have returned -14.9% over the past month, compared to a -6.6% change in the Zacks S&P 500 composite [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 - CVB Financial reported revenue of $126.67 million for Q1 2025, a year-over-year increase of 0.1%, with an EPS of $0.36 compared to $0.35 a year ago, exceeding the Zacks Consensus Estimate of $124.95 million by 1.38% and delivering an EPS surprise of 9.09% [1] Financial Performance Metrics - Efficiency ratio was 46.7%, better than the estimated 48% [4] - Net Interest Margin stood at 3.3%, surpassing the estimated 3.2% [4] - Total Non-Performing Loans were reported at $25.64 million, lower than the estimated $28.41 million [4] - Total interest-earning assets amounted to $13.56 billion, slightly below the average estimate of $13.60 billion [4] - Total Non-Performing Assets were $26.13 million, significantly lower than the estimated $38.06 million [4] - Net Charge-off as a percentage of Average Loans was 0%, better than the estimated 0.1% [4] - Net Interest Income reached $110.44 million, exceeding the average estimate of $109.47 million [4] - Total Noninterest Income was $16.23 million, above the average estimate of $14.02 million [4] - Net Interest Income (FTE) was reported at $110.97 million, higher than the average estimate of $108.97 million [4] Stock Performance - CVB Financial shares returned -2.8% over the past month, outperforming the Zacks S&P 500 composite's -6.6% change, and currently holds a Zacks Rank 2 (Buy) indicating potential for near-term outperformance [3]

Core Insights - Western Union reported revenue of $983.6 million for the quarter ended March 2025, a decrease of 6.2% year-over-year, with EPS at $0.41 compared to $0.45 in the same quarter last year [1] - The revenue fell short of the Zacks Consensus Estimate of $991.24 million by 0.77%, while the EPS exceeded the consensus estimate of $0.40 by 2.5% [1] Financial Performance - Consumer Money Transfer transactions totaled 70.8 million, surpassing the estimated 68.16 million [4] - Revenue from Consumer Services was reported at $110.70 million, exceeding the average estimate of $97.82 million by analysts, reflecting a year-over-year increase of 27.1% [4] - Revenue from Consumer Money Transfer was $872.90 million, which was below the average estimate of $898.87 million, indicating a year-over-year decline of 9.3% [4] Stock Performance - Over the past month, Western Union shares returned -4.3%, compared to a -6.6% 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]

For the quarter ended March 2025, First Internet Bancorp (INBK) reported revenue of $35.52 million, up 22.2% over the same period last year. EPS came in at $0.11, compared to $0.59 in the year-ago quarter.The reported revenue represents a surprise of -3.21% over the Zacks Consensus Estimate of $36.7 million. With the consensus EPS estimate being $0.75, the EPS surprise was -85.33%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall ...