Investors in BayCom Corp (BCML) need to pay close attention to the stock based on moves in the options market lately. That is because the Sep 19, 2025 $22.50 Put had some of the highest implied volatility of all equity options today.What is Implied Volatility?Implied volatility shows how much movement the market is expecting in the future. Options with high levels of implied volatility suggest that investors in the underlying stocks are expecting a big move in one direction or the other. It could also mean ...

Company Overview - Central Pacific Financial (CPF) is based in Honolulu and operates in the Finance sector, specifically through Central Pacific Bank [3] - The company's shares have experienced a price change of 8.43% this year [3] Dividend Information - CPF currently pays a dividend of $0.27 per share, resulting in a dividend yield of 3.43%, which is higher than the Banks - West industry's yield of 2.75% and the S&P 500's yield of 1.47% [3] - The annualized dividend of $1.08 represents a 3.8% increase from the previous year [4] - Over the past five years, CPF has increased its dividend three times, averaging an annual increase of 3.02% [4] - The current payout ratio for CPF is 42%, indicating that the company pays out 42% of its trailing 12-month earnings per share as dividends [4] Earnings Growth - The Zacks Consensus Estimate for CPF's earnings in 2025 is $2.85 per share, reflecting a year-over-year earnings growth rate of 21.79% [5] Investment Considerations - CPF is considered a compelling investment opportunity due to its strong dividend performance and solid earnings growth prospects [6] - The stock currently holds a Zacks Rank of 3 (Hold), indicating a stable investment outlook [6]

Core Viewpoint - Zions' recent earnings report indicates strong performance with adjusted earnings per share surpassing estimates, driven by higher net interest income and fee income, despite some challenges with rising non-interest expenses [2][4][5] Financial Performance - Adjusted earnings per share for Q2 2025 were $1.58, exceeding the Zacks Consensus Estimate of $1.31, and reflecting a 30.6% increase year-over-year [2] - Net income attributable to common shareholders was $243 million, up 27.9% year-over-year, after accounting for the positive impact from the IPO of SBIC Investment [3] - Net revenues were $851 million, an 8.1% increase year-over-year, and also beat the Zacks Consensus Estimate of $815.5 million [4] Income and Expenses - Net interest income (NII) rose to $648 million, an 8.5% increase, attributed to lower funding costs and an increase in average interest-earning assets [4] - Non-interest income increased by 6.1% to $190 million, driven by growth in most components except for card fees and wealth management fees [5] - Adjusted non-interest expenses rose 3% to $521 million, with an adjusted efficiency ratio improving to 62.2% from 64.5% in the prior year [5] Loan and Deposit Trends - As of June 30, 2025, net loans and leases held for investment were $60.1 billion, up 1.5% from the prior quarter, while total deposits decreased by 2.5% to $73.8 billion [6] Credit Quality - The ratio of non-performing assets to loans and leases increased by 6 basis points year-over-year to 0.51%, with net loan and lease charge-offs of $10 million, down 33.3% from the prior year [7] Profitability and Capital Ratios - The Tier 1 leverage ratio remained stable at 8.5%, while the common equity tier 1 capital ratio improved to 11% from 10.6% in the prior year [8] - Return on average assets was 1.09%, up from 0.91% in the prior year, and return on average tangible common equity increased to 18.7% from 17.5% [9] Future Outlook - Management anticipates a moderate year-over-year increase in NII, driven by earning asset remix and loan growth, with customer-related non-interest income expected to rise moderately due to increased activity [10][11] - Adjusted non-interest expenses are projected to increase moderately, influenced by technology costs and marketing expenses [12] Market Position - Zions has seen upward revisions in estimates, with a consensus shift of 7.83%, and holds a Zacks Rank 1 (Strong Buy), indicating expectations for above-average returns in the coming months [13][15]

Company Overview - Zions Bancorporation (ZION) is headquartered in Salt Lake City and has experienced a price change of -2.01% this year [3] - The company currently pays a dividend of $0.43 per share, resulting in a dividend yield of 3.24%, which is higher than the Banks - West industry's yield of 3.1% and the S&P 500's yield of 1.5% [3] Dividend Performance - Zions has an annualized dividend of $1.72, reflecting a 3.6% increase from the previous year [4] - Over the past five years, Zions has increased its dividend three times year-over-year, with an average annual increase of 5.20% [4] - The current payout ratio is 31%, indicating that the company pays out 31% of its trailing 12-month earnings per share as dividends [4] Earnings Growth and Future Outlook - For the fiscal year 2025, the Zacks Consensus Estimate predicts earnings of $5.78 per share, representing a year-over-year growth rate of 16.77% [5] - The future growth of dividends will depend on earnings growth and the payout ratio [4] Investment Considerations - Zions is considered a compelling investment opportunity due to its attractive dividend and strong Zacks Rank of 1 (Strong Buy) [6] - The company is positioned well as a dividend option, especially compared to high-growth businesses or tech startups that typically do not offer dividends [6]

Core Insights - Coastal Financial Corporation (CCB) reported quarterly earnings of $0.71 per share, missing the Zacks Consensus Estimate of $0.87 per share, and down from $0.84 per share a year ago, representing an earnings surprise of -18.39% [1] - The company posted revenues of $119.43 million for the quarter ended June 2025, missing the Zacks Consensus Estimate by 18.81%, and down from $136.15 million year-over-year [2] - Coastal Financial shares have increased by approximately 19.5% since the beginning of the year, outperforming the S&P 500's gain of 8.6% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $1.17 on revenues of $156.6 million, and for the current fiscal year, it is $3.67 on revenues of $608.1 million [7] - The estimate revisions trend for Coastal Financial was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] Industry Context - The Zacks Industry Rank for Banks - West is currently in the top 35% of over 250 Zacks industries, suggesting that the industry outlook can significantly impact stock performance [8]

Company Overview - Zions (ZION) is a financial holding company based in Salt Lake City, operating in the Finance sector with a year-to-date share price change of 2.08% [3] - The company currently pays a dividend of $0.43 per share, resulting in a dividend yield of 3.11%, which is higher than the Banks - West industry's yield of 2.93% and the S&P 500's yield of 1.45% [3] Dividend Performance - Zions has an annualized dividend of $1.72, reflecting a 3.6% increase from the previous year [4] - Over the past five years, the company has increased its dividend three times, achieving an average annual increase of 5.20% [4] - The current payout ratio is 31%, indicating that Zions paid out 31% of its trailing 12-month earnings per share as dividends [4] Earnings Growth Expectations - For the fiscal year 2025, the Zacks Consensus Estimate predicts earnings of $5.62 per share, representing a 13.54% increase from the previous year [5] - The company is viewed as a strong dividend play, appealing to income investors due to its solid earnings growth prospects and attractive dividend yield [6]

Group 1 - Bank of Marin (BMRC) reported quarterly earnings of $0.29 per share, missing the Zacks Consensus Estimate of $0.36 per share, and showing an increase from $0.06 per share a year ago, resulting in an earnings surprise of -19.44% [1] - The company posted revenues of $29.2 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 0.35%, compared to year-ago revenues of $25.25 million [2] - Over the last four quarters, Bank of Marin has surpassed consensus EPS estimates two times and topped consensus revenue estimates just once [2] Group 2 - The stock's immediate price movement will depend on management's commentary on the earnings call and the sustainability of earnings expectations [3][4] - Bank of Marin shares have added about 0% since the beginning of the year, underperforming the S&P 500's gain of 8.6% [3] - The current consensus EPS estimate for the coming quarter is $0.45 on $31.5 million in revenues, and for the current fiscal year, it is $1.49 on $120.2 million in revenues [7] Group 3 - The Zacks Industry Rank indicates that the Banks - West industry is currently in the top 36% of over 250 Zacks industries, suggesting a favorable outlook for the sector [8] - Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5][6]

Core Insights - Sierra Bancorp reported quarterly earnings of $0.78 per share, exceeding the Zacks Consensus Estimate of $0.74 per share, and showing an increase from $0.71 per share a year ago, resulting in an earnings surprise of +5.41% [1] - The company achieved revenues of $39.21 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 2.23% and up from $37.8 million year-over-year [2] - The stock has gained approximately 5.5% since the beginning of the year, while the S&P 500 has increased by 8.6% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.75 on revenues of $39.1 million, and for the current fiscal year, it is $2.95 on revenues of $153.7 million [7] - The estimate revisions trend for Sierra Bancorp was favorable prior to the earnings release, leading to a Zacks Rank 2 (Buy) for the stock, indicating expected outperformance in the near future [6] Industry Context - The Banks - West industry, to which Sierra Bancorp belongs, is currently ranked in the top 36% of over 250 Zacks industries, suggesting a favorable outlook compared to the bottom 50% [8]

Core Viewpoint - Bank of Hawaii (BOH) reported quarterly earnings of $1.06 per share, exceeding the Zacks Consensus Estimate of $1.04 per share, and showing an increase from $0.86 per share a year ago, indicating a positive earnings surprise of +1.92% [1] Financial Performance - The company achieved revenues of $174.48 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 3.19%, compared to $156.93 million in the same quarter last year [2] - Over the last four quarters, Bank of Hawaii has exceeded consensus EPS estimates three times and has also topped consensus revenue estimates three times [2] Stock Performance and Outlook - Bank of Hawaii shares have declined approximately 7.8% since the beginning of the year, while the S&P 500 has gained 8.6% [3] - The company's earnings outlook is crucial for investors, as it includes current consensus earnings expectations for upcoming quarters and any recent changes to these expectations [4] Estimate Revisions and Rankings - Prior to the earnings release, the estimate revisions trend for Bank of Hawaii was unfavorable, resulting in a Zacks Rank 4 (Sell) for the stock, indicating expected underperformance in the near future [6] - The current consensus EPS estimate for the upcoming quarter is $1.01 on revenues of $170.98 million, and for the current fiscal year, it is $4.31 on revenues of $685.22 million [7] Industry Context - The Banks - West industry, to which Bank of Hawaii belongs, is currently in the top 36% of over 250 Zacks industries, suggesting that the industry outlook can significantly impact stock performance [8]

Core Viewpoint - First Hawaiian (FHB) reported quarterly earnings of $0.58 per share, exceeding the Zacks Consensus Estimate of $0.49 per share, marking an earnings surprise of +18.37% [1][2] Financial Performance - The company achieved revenues of $217.54 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 2.08% and showing an increase from $204.62 million year-over-year [2] - Over the last four quarters, First Hawaiian has consistently surpassed consensus EPS estimates [2] Stock Performance and Outlook - First Hawaiian shares have declined approximately 2.9% since the beginning of the year, contrasting with the S&P 500's gain of 8.2% [3] - The company's earnings outlook is crucial for assessing future stock performance, with current consensus EPS estimates at $0.50 for the upcoming quarter and $1.96 for the current fiscal year [4][7] Industry Context - The Zacks Industry Rank indicates that the Banks - West sector is currently in the bottom 40% of over 250 Zacks industries, which may negatively impact stock performance [8] - Avidbank Holdings Inc., another company in the same industry, is expected to report quarterly earnings of $0.75 per share, reflecting a year-over-year increase of +63% [9]