Core Viewpoint - Analysts forecast Microsoft (MSFT) to report quarterly earnings of $3.35 per share, reflecting a year-over-year increase of 13.6%, with revenues expected to reach $73.71 billion, an increase of 13.9% compared to the previous year [1]. Earnings Estimates - The consensus EPS estimate for the quarter has remained unchanged over the past 30 days, indicating a reassessment of projections by covering analysts [1][2]. Revenue Projections - Analysts expect 'Revenue- More Personal Computing' to be $12.60 billion, a decrease of 20.7% year over year [4]. - 'Revenue- Intelligent Cloud' is projected to reach $28.94 billion, showing a slight increase of 1.5% year over year [4]. - 'Revenue- Productivity and Business Processes' is anticipated to be $32.15 billion, reflecting a significant increase of 58.2% from the year-ago quarter [4]. Specific Revenue Metrics - 'Revenue- Windows' is expected to be $3.88 billion, indicating a decline of 40.2% year over year [5]. - 'More Personal Computing- Revenue from Gaming' is projected at $5.29 billion, an increase of 5.3% from the previous year [5]. - 'More Personal Computing- Search and news advertising' is estimated to reach $3.53 billion, reflecting a year-over-year increase of 11.5% [6]. Percentage Change in Revenue - The consensus estimate for 'Percentage Change in Revenue Y/Y' stands at 13.9%, compared to 15.0% from the previous year [6]. - 'Intelligent Cloud - Percentage Change in Revenue Y/Y' is estimated at 19.2%, slightly up from 19.0% reported last year [7]. - 'Productivity and Business Processes - Percentage Change in Revenue Y/Y' is forecasted to be 12.0%, compared to 11.0% last year [7]. - 'More Personal Computing - Percentage Change in Revenue Y/Y' is projected at -0.3%, down from 14.0% reported last year [8]. Unearned Revenue Estimates - 'Long-term unearned revenue' is expected to be $3.50 billion, up from $2.60 billion reported last year [8]. - 'Short-term unearned revenue' is projected to reach $57.97 billion, slightly up from $57.58 billion reported in the same quarter last year [9]. Stock Performance - Microsoft shares have changed by +2.7% in the past month, compared to a +4.6% move of the Zacks S&P 500 composite [9].

Core Viewpoint - Prosperity Bancshares (PB) is expected to report quarterly earnings of $1.40 per share, a 14.8% increase year-over-year, with revenues projected at $312.52 million, reflecting a 2.5% increase compared to the previous year [1] Earnings Estimates - The consensus EPS estimate for the quarter has remained unchanged over the past 30 days, indicating analysts' reassessment of their initial projections [1][2] Key Metrics Projections - Analysts predict the 'Efficiency Ratio' will reach 45.5%, down from 51.8% a year ago [4] - The 'Average balance - Total interest-earning assets' is expected to be $34.23 billion, compared to $35.46 billion last year [4] - 'Total nonperforming assets' are projected at $84.42 million, down from $89.57 million a year ago [4] - 'Total nonperforming loans' are expected to be $75.69 million, compared to $84.50 million in the same quarter last year [5] - The 'Tier 1 Leverage Capital Ratio' is forecasted at 11.3%, up from 10.3% a year ago [5] - The 'Tier 1 Risk-based Capital Ratio' is estimated at 16.8%, compared to 15.4% last year [6] - The 'Total Risk-based Capital Ratio' is expected to be 18.2%, up from 16.7% a year ago [6] Income Projections - 'Total Noninterest Income' is expected to be $39.52 million, down from $46.00 million in the same quarter last year [7] - 'Net Interest Income' is projected at $273.09 million, compared to $258.79 million last year [7] - The 'Net Interest Income (Tax Equivalent Basis)' estimate stands at $274.67 million, up from $259.59 million a year ago [8] - 'Credit card, debit card and ATM card income' is expected to reach $9.17 million, slightly down from $9.38 million last year [8] - 'Nonsufficient funds (NSF) fees' are projected at $9.01 million, compared to $8.15 million in the same quarter last year [9] Stock Performance - Over the past month, Prosperity Bancshares shares have recorded a return of +4.9%, compared to the S&P 500 composite's +5.9% change [9]

Core Viewpoint - The upcoming earnings report for Capital One (COF) is anticipated to show significant growth in both earnings per share and revenue compared to the previous year, indicating a positive outlook for the company [1]. Earnings Estimates - Analysts expect quarterly earnings of $3.83 per share, reflecting a 22% increase year-over-year [1]. - Revenue is forecasted to reach $12.22 billion, representing a 28.6% year-over-year increase [1]. - Over the last 30 days, the consensus EPS estimate has been revised upward by 0.6%, indicating analysts' positive reassessment of the company's performance [2]. Revenue Projections - Total net revenue from Commercial Banking is projected to be $913.72 million, a year-over-year increase of 3.8% [5]. - Total net revenue from Credit Cards is estimated at $7.48 billion, showing a 10.1% increase year-over-year [5]. - Domestic Credit Card revenue is expected to reach $7.11 billion, reflecting a 10.3% year-over-year change [5]. - Consumer Banking revenue is anticipated to be $2.30 billion, indicating a 4.7% increase from the previous year [6]. Key Financial Metrics - The Efficiency Ratio is projected to be 54.3%, up from 52.0% in the same quarter last year [6]. - Net Interest Margin is expected to reach 7.3%, compared to 6.7% a year ago [6]. - The Net charge-off rate is forecasted at 3.5%, slightly higher than the 3.4% reported in the same quarter last year [7]. - Average Balance of Total interest-earning assets is estimated at $483.76 billion, compared to $450.91 billion a year ago [7]. Capital Ratios - The Tier 1 Capital Ratio is expected to be 15.1%, up from 14.5% in the previous year [8]. - The Net charge-off rate for Domestic Credit Cards is projected at 5.7%, down from 6.1% last year [8]. - The Net charge-off rate for International card businesses is estimated at 4.8%, compared to 5.0% in the same quarter last year [8]. Stock Performance - Over the past month, Capital One shares have increased by 9.9%, outperforming the Zacks S&P 500 composite, which rose by 4.2% [9].