Core Insights - BayCom Corp (BCML) shares have experienced a significant increase, ending the last trading session at $32.78, which is a 6.4% rise, and an 8.5% gain over the past four weeks [1][2] - The stock reached a new 52-week high of $32.98, driven by improved investor sentiment towards bank stocks following the Federal Reserve's third interest-rate cut of the year, which is expected to enhance loan demand and reduce funding costs [2] - BayCom Corp is projected to report quarterly earnings of $0.65 per share, reflecting an 18.2% year-over-year increase, with revenues anticipated at $26.3 million, up 11.2% from the previous year [3] Earnings and Estimates - The consensus EPS estimate for BayCom Corp has remained stable over the last 30 days, indicating that the stock's price movement may not sustain without changes in earnings estimate revisions [4] - The stock currently holds a Zacks Rank of 3 (Hold), suggesting a neutral outlook [4] Industry Context - BayCom Corp is part of the Zacks Banks - West industry, which has shown positive performance, with Western Alliance (WAL) also experiencing a slight increase of 0.1% to $87.59 and a return of 11.9% over the past month [4] - Western Alliance's consensus EPS estimate has remained unchanged at $2.46, representing a 26.2% increase from the previous year, and it also holds a Zacks Rank of 3 (Hold) [5]

Investors in Hanmi Financial Corporation (HAFC) need to pay close attention to the stock based on moves in the options market lately. That is because the Jan 16, 2026 $20.00 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 ...

Core Viewpoint - Northrim BanCorp (NRIM) shares have shown significant upward momentum, driven by positive market sentiment regarding interest rate cuts and strong earnings expectations [2][3]. Company Performance - NRIM shares increased by 6% in the last trading session, closing at $26.34, with notable trading volume [1]. - The stock reached a 52-week high of $26.55, reflecting optimism around a potential 25-basis-point interest rate cut [2]. - The company is expected to report quarterly earnings of $0.64 per share, representing a year-over-year increase of 30.6%, with revenues projected at $50.8 million, up 15.8% from the previous year [3]. Earnings Estimates - The consensus EPS estimate for NRIM has been revised 6.2% higher in the last 30 days, indicating a positive trend that typically correlates with stock price appreciation [4]. - Empirical research suggests a strong correlation between earnings estimate revisions and near-term stock price movements, highlighting the importance of monitoring NRIM's performance [3][4]. Industry Context - NRIM is part of the Zacks Banks - West industry, which has seen a general bullish sentiment among investors, benefiting from the broader market trends [4]. - Another company in the same industry, CVB Financial (CVBF), has also experienced positive performance, closing 3.7% higher at $20.37, with a month-to-date return of 4.9% [4].

Company Overview - Hope Bancorp (HOPE) shares increased by 5.5% to $11.54 in the last trading session, supported by higher-than-average trading volume [1] - The stock has gained 4.8% over the past four weeks, indicating a positive trend [1] Earnings Expectations - Hope Bancorp is expected to report quarterly earnings of $0.26 per share, reflecting a year-over-year increase of 30% [2] - Projected revenues for the upcoming report are $145 million, which is a 22.9% increase compared to the same quarter last year [2] Market Sentiment - The recent bullish sentiment among investors is attributed to a 25-basis-point interest rate cut and a dovish stance from the Federal Reserve [1] - The consensus EPS estimate for Hope Bancorp has remained unchanged over the last 30 days, suggesting that the stock's price movement may not sustain without earnings estimate revisions [3] Industry Comparison - Hope Bancorp is part of the Zacks Banks - West industry, where First Hawaiian (FHB) also operates [3] - First Hawaiian's stock rose by 3.5% to $26.06, with a 1.2% return over the past month [3] - First Hawaiian's consensus EPS estimate has changed by -0.2% to $0.55, representing a year-over-year increase of 34.2% [4]

Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.Cash flow can come from bond interest, interest from other types of investments, and, of course, dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that ...

Company Overview - WaFd (WAFD) is based in Seattle and operates in the Finance sector, with a year-to-date share price change of -1.99% [3] - The company currently pays a dividend of $0.27 per share, resulting in a dividend yield of 3.42%, which is higher than the Banks - West industry's yield of 3.12% and the S&P 500's yield of 1.54% [3] Dividend Performance - WaFd's current annualized dividend of $1.08 has increased by 0.9% from the previous year [4] - Over the past 5 years, WaFd has raised its dividend 5 times, achieving an average annual increase of 4.27% [4] - The company's current payout ratio is 40%, indicating that it pays out 40% of its trailing 12-month earnings per share as dividends [4] Earnings Expectations - The Zacks Consensus Estimate for WaFd's earnings in 2025 is projected at $3.06 per share, reflecting an expected increase of 12.50% from the previous year [5] Investment Considerations - WaFd is considered a compelling investment opportunity due to its strong dividend profile and current Zacks Rank of 3 (Hold) [6] - The company is positioned well for income investors, especially in contrast to high-growth firms that typically do not offer dividends [6]

Core Viewpoint - Zions Bancorporation's recent earnings report shows a positive trend in adjusted earnings per share and net interest income, despite challenges in loan balances and rising expenses [3][5][8]. Financial Performance - Adjusted earnings per share for Q3 2025 were $1.54, exceeding the Zacks Consensus Estimate of $1.40, and reflecting a 12.4% increase year-over-year [3]. - Net revenues reached $861 million, up 8.7% year-over-year, surpassing the Zacks Consensus Estimate of $845.5 million [5]. - Net interest income (NII) was $672 million, an increase of 8.4%, attributed to lower funding costs and a favorable mix in interest-earning assets [5]. - Non-interest income rose 9.9% to $189 million, driven by increases in most components except capital markets fees [6]. Expenses and Efficiency - Adjusted non-interest expenses increased by 4.2% to $520 million, with an adjusted efficiency ratio of 59.6%, down from 62.5% in the prior year, indicating improved profitability [7]. - The company recorded net loan and lease charge-offs of $56 million, significantly up from $3 million in the prior-year quarter, with provisions for credit losses rising to $49 million [9]. Credit Quality and Capital Ratios - The ratio of non-performing assets to loans and leases decreased by 8 basis points year-over-year to 0.54% [9]. - As of September 30, 2025, the Tier 1 leverage ratio was 8.8%, and the common equity tier 1 capital ratio was 11.3%, both showing improvement from the previous year [10]. Outlook - Management anticipates a marginal year-over-year increase in period-end loan balances, driven by commercial loans, while expecting a decline in commercial real estate classified balances [12]. - NII is projected to see moderate growth, supported by earning asset remix and loan and deposit growth [13]. - Customer-related non-interest income is expected to rise moderately due to increased customer activity and new client acquisition [14]. - Adjusted non-interest expenses are forecasted to increase moderately, influenced by technology costs and marketing expenses [15]. Market Reaction and Estimates - Since the earnings release, there has been a 7.4% upward trend in consensus estimates for the stock [16]. - Zions has a Zacks Rank 3 (Hold), indicating expectations for an in-line return in the coming months [18].

Group 1 - The stock of Bank of Hawaii Corporation (BOH) is experiencing significant attention due to high implied volatility in the options market, particularly for the Jan 16, 2026 $75.00 Put option [1] - Implied volatility indicates the market's expectation of future price movement, suggesting that investors anticipate a significant change in Bank of Hawaii's stock price, potentially due to an upcoming event [2] - Bank of Hawaii currently holds a Zacks Rank 3 (Hold) in the Banks - West industry, which is in the top 9% of the Zacks Industry Rank, indicating a relatively stable outlook [3] Group 2 - Over the past 60 days, one analyst has raised earnings estimates for Bank of Hawaii for the current quarter, increasing the Zacks Consensus Estimate from $1.14 to $1.20 per share [3] - The high implied volatility may indicate a trading opportunity, as options traders often seek to sell premium on options with high implied volatility, hoping the stock does not move as much as expected by expiration [4]

Core Insights - Columbia Banking (COLB) reported quarterly earnings of $0.85 per share, exceeding the Zacks Consensus Estimate of $0.66 per share, and showing an increase from $0.69 per share a year ago, resulting in an earnings surprise of +28.79% [1][2] - The company achieved revenues of $582 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 0.07% and up from $496.38 million year-over-year [2] - Columbia Banking has consistently surpassed consensus EPS estimates over the last four quarters, achieving this four times [2] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.79 on revenues of $721.3 million, and for the current fiscal year, it is $2.85 on revenues of $2.31 billion [7] - The estimate revisions trend for Columbia Banking was mixed prior to 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 8% of over 250 Zacks industries, suggesting a favorable outlook for the sector [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]

Core Insights - Coastal Financial Corporation (CCB) reported quarterly earnings of $0.88 per share, missing the Zacks Consensus Estimate of $0.89 per share, and down from $0.97 per share a year ago, representing an earnings surprise of -1.12% [1] - The company posted revenues of $144.68 million for the quarter ended September 2025, exceeding the Zacks Consensus Estimate by 12.15%, but down from $152.26 million year-over-year [2] - Coastal Financial shares have increased approximately 23.5% year-to-date, outperforming the S&P 500's gain of 17.2% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $1.19 on revenues of $136.7 million, and for the current fiscal year, it is $3.38 on revenues of $524.7 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 11% of over 250 Zacks industries, suggesting a favorable outlook for the sector [8]