Core Insights - Three stocks are highlighted with a buy rank and strong income characteristics for investors to consider on December 16 Group 1: Flushing Financial Corporation (FFIC) - Flushing Financial Corporation is a bank holding company for Flushing Bank with a Zacks Rank 1 (Strong Buy) [1] - The Zacks Consensus Estimate for its current year earnings has increased nearly 6% over the last 60 days [1] - The company has a dividend yield of 5.2%, significantly higher than the industry average of 2.8% [1] Group 2: TIM S.A. (TIMB) - TIM S.A. is a telecommunications company with a Zacks Rank 1 [2] - The Zacks Consensus Estimate for its current year earnings has increased by 7.6% over the last 60 days [2] - The company offers a dividend yield of 4.4%, compared to the industry average of 2.6% [2] Group 3: TriNet Group, Inc. (TNET) - TriNet Group, Inc. is a human capital management services company with a Zacks Rank 1 [2] - The Zacks Consensus Estimate for its current year earnings has increased by 8.7% over the last 60 days [2] - The company has a dividend yield of 1.9%, which is higher than the industry average of 0.0% [3]

Core Insights - Zacks Premium offers various tools to enhance investor confidence and market engagement, including daily updates on Zacks Rank and Industry Rank, Equity Research reports, and Premium stock screens [1][2] Zacks Style Scores - Zacks Style Scores are indicators that rate stocks based on value, growth, and momentum methodologies, helping investors identify stocks likely to outperform the market in the next 30 days [2][3] - Stocks are rated from A to F, with A indicating the highest potential for outperformance [3] Value Score - The Value Score identifies attractive and discounted stocks using ratios like P/E, PEG, Price/Sales, and Price/Cash Flow [3] Growth Score - The Growth Score focuses on a company's financial strength and future outlook, analyzing projected and historical earnings, sales, and cash flow [4] Momentum Score - The Momentum Score helps investors capitalize on price trends by analyzing one-week price changes and monthly earnings estimate changes [5] VGM Score - The VGM Score combines all three Style Scores, providing a comprehensive indicator for investors who utilize multiple investing strategies [6] Zacks Rank - The Zacks Rank is a proprietary model based on earnings estimate revisions, with 1 (Strong Buy) stocks achieving an average annual return of +23.93% since 1988, significantly outperforming the S&P 500 [7][9] - Investors are encouraged to focus on stocks with a Zacks Rank of 1 or 2 and Style Scores of A or B for optimal returns [9][10] Company Spotlight: Paychex (PAYX) - Paychex, Inc. is a leading provider of integrated human capital management solutions for payroll, HR, retirement, and insurance services, primarily serving small- to medium-sized businesses [11] - Currently rated 3 (Hold) with a VGM Score of B, Paychex is also a strong candidate for growth investors, with a Growth Style Score of B and a projected year-over-year earnings growth of 9.8% for the current fiscal year [12] - Recent upward revisions in earnings estimates by analysts and a Zacks Consensus Estimate increase to $5.47 per share further support Paychex as a potential investment [12]

Core Insights - Three stocks are highlighted with a buy rank and strong income characteristics for investors to consider on November 4 Group 1: TriNet Group, Inc. (TNET) - The Zacks Consensus Estimate for current year earnings has increased by 2.6% over the last 60 days [1] - The company has a Zacks Rank of 1 (Strong Buy) [1] - The dividend yield is 1.8%, compared to the industry average of 0.8% [1] Group 2: Huntington Bancshares Incorporated (HBAN) - The Zacks Consensus Estimate for current year earnings has increased by 2.1% over the last 60 days [2] - The company has a Zacks Rank of 1 (Strong Buy) [2] - The dividend yield is 4%, compared to the industry average of nearly 3% [2] Group 3: Isabella Bank Corporation (ISBA) - The Zacks Consensus Estimate for current year earnings has increased by 3.9% over the last 60 days [3] - The company has a Zacks Rank of 1 (Strong Buy) [3] - The dividend yield is 3.1%, compared to the industry average of 2.7% [3]

Core Insights - Zacks Premium provides various tools for investors to enhance their stock market strategies and confidence [1] - The Zacks Style Scores are designed to help investors select stocks with the highest potential to outperform the market in the short term [2] Zacks Style Scores Overview - Stocks are rated based on value, growth, and momentum characteristics, with scores ranging from A to F, where A indicates the highest potential for outperformance [3] - The Value Score focuses on identifying undervalued stocks using financial ratios like P/E and Price/Sales [4] - The Growth Score assesses a company's financial health and future growth potential through earnings and sales projections [5] - The Momentum Score identifies optimal entry points based on price trends and earnings estimate changes [6] - The VGM Score combines the three Style Scores to highlight stocks with attractive value, growth, and momentum characteristics [6] Zacks Rank and Performance - The Zacks Rank is a proprietary model that utilizes earnings estimate revisions to guide investors in stock selection [7] - Stocks rated 1 (Strong Buy) have historically delivered an average annual return of +25.41% since 1988, significantly outperforming the S&P 500 [8] - There are over 800 stocks rated 1 or 2, making it essential for investors to utilize Style Scores to narrow down choices [9] Investment Strategy - For optimal returns, investors should focus on stocks with a Zacks Rank of 1 or 2 and Style Scores of A or B [10] - Stocks with lower ranks but high Style Scores may still face downward price pressure due to negative earnings outlooks [11] Company Spotlight: Paychex (PAYX) - Paychex, Inc. is a leading provider of integrated human capital management solutions for small- to medium-sized businesses [12] - Currently rated 3 (Hold) with a VGM Score of B, Paychex shows potential for growth with an 8% year-over-year earnings growth forecast [13] - Recent upward revisions in earnings estimates and a solid earnings surprise average of 1.3% position Paychex as a strong candidate for growth investors [13]

Core Insights - Human capital management (HCM) stocks are gaining investor interest amid fears of a trade war and rising Personal Consumption Expenditures (PCE) data, which have negatively impacted broader market indexes [1] - HCM solution providers, particularly those offering payroll services, are expected to remain resilient against tariff impacts, with consistent demand driven by a stable unemployment rate around 4% [2] Paychex Insights - Paychex CEO John Gibson indicated that there are no recession signs in the company's data, with a fundamentally healthy labor market despite market uncertainties [3] - Paychex's total sales are projected to rise by 4% in fiscal 2025 and by another 5% in fiscal 2026, reaching $5.81 billion, with annual earnings expected to increase by 6% this year and another 6% in fiscal 2026 to $5.30 per share [4] ADP Insights - ADP, a leader in cloud-based HCM solutions, is forecasted to see its top line expand by 6% in fiscal years 2025 and 2026, exceeding $21 billion, with EPS projected to rise by 8% in fiscal 2025 and by 9% in fiscal 2026 to $10.82 [6] Stock Performance - Paychex and ADP shares have increased by 7% and 3% respectively in 2025, providing a defensive hedge for investors as broader indexes have faced declines, with the S&P 500 down 4% year-to-date and the Nasdaq down 10% [9] Cintas Insights - Cintas, while not a payroll service provider, has attracted investor interest due to its growth narrative, with its stock up 11% year-to-date, driven by demand for its specialized business services [10] - Cintas has consistently exceeded earnings expectations and has seen over 300% gains in stock performance over the last five years [11] Conclusion - Monitoring payroll companies like Paychex and ADP is crucial for insights into economic conditions and potential recession risks, while Cintas may also provide valuable economic indicators [14]