Core Viewpoint - OceanFirst Financial (OCFC) is expected to report quarterly earnings of $0.39 per share, reflecting a year-over-year increase of 2.6%, with revenues projected at $102.7 million, a 7.5% increase compared to the previous year [1]. Earnings Estimates - The consensus EPS estimate for the quarter has remained unchanged over the last 30 days, indicating stability in analysts' projections [2]. - Revisions to earnings projections are crucial for predicting investor behavior, as empirical studies show a strong correlation between earnings estimate trends and short-term stock price performance [3]. Key Financial Metrics - Analysts forecast the 'Efficiency Ratio' to reach 68.9%, up from 67.9% a year ago [4]. - The consensus for 'Total Non-Interest Income' is estimated at $8.85 million, down from $12.23 million year-over-year [5]. - 'Net Interest Income' is expected to be $94.35 million, compared to $83.33 million in the same quarter last year [5]. Stock Performance - OceanFirst shares have decreased by 9.2% over the past month, contrasting with the Zacks S&P 500 composite's decline of 0.4%, and the company holds a Zacks Rank 4 (Sell), indicating expected underperformance relative to the market [5].

Core Viewpoint - Analysts forecast that Business First (BFST) will report quarterly earnings of $0.72 per share, reflecting a year-over-year increase of 9.1% and revenues of $81.5 million, which is a 5% increase compared to the previous year [1]. Earnings Estimates - Over the last 30 days, there has been no revision in the consensus EPS estimate for the quarter, indicating that analysts have not changed their initial forecasts during this period [2]. - Revisions to earnings estimates are crucial for predicting potential investor actions regarding the stock, as empirical research shows a strong correlation between earnings estimate trends and short-term stock price performance [3]. Key Metrics Projections - Analysts estimate a 'Net Interest Margin' of 3.7%, up from 3.6% reported in the same quarter last year [5]. - The expected 'Efficiency Ratio' is projected at 60.7%, a decrease from the 63.9% reported in the same quarter last year [5]. - 'Total Other Income' is expected to reach $11.48 million, slightly lower than the $11.86 million reported a year ago [5]. - 'Net Interest Income' is anticipated to be $69.13 million, compared to $65.73 million reported in the same quarter last year [6]. Stock Performance - Shares of Business First have experienced a change of -0.8% in the past month, compared to a -0.4% move of the Zacks S&P 500 composite, with a Zacks Rank 3 (Hold) indicating expected performance in line with the overall market [6].

Core Viewpoint - Analysts forecast that SouthState (SSB) will report quarterly earnings of $2.30 per share, reflecting a year-over-year increase of 19.2%, with anticipated revenues of $666.64 million, marking a 48% increase compared to the previous year [1]. Earnings Estimates - The consensus EPS estimate has been revised 0.4% higher over the last 30 days, indicating a collective reevaluation by analysts [2]. - Revisions to earnings estimates are significant indicators for predicting investor actions regarding the stock, with empirical research showing a strong correlation between earnings estimate trends and short-term stock price performance [3]. Key Financial Metrics - Analysts estimate 'Net Interest Margin (Non-Tax Equivalent)' to reach 3.8%, up from 3.5% in the same quarter last year [5]. - The 'Efficiency Ratio' is projected to be 52.0%, compared to 55.7% a year ago [5]. - The estimated 'Average Balance - Total interest-earning assets' is $59.41 billion, up from $42.30 billion in the same quarter last year [6]. - 'Total nonperforming assets' are expected to reach $320.36 million, compared to $213.35 million a year ago [6]. - 'Total nonperforming loans (non-acquired & acquired)' are projected at $308.17 million, up from $210.59 million last year [7]. - 'Total Noninterest Income' is expected to be $93.30 million, compared to $80.55 million in the same quarter last year [7]. - 'Net interest income, tax equivalent (Non-GAAP)' is estimated at $575.69 million, up from $370.33 million a year ago [8]. - 'Net Interest Income' is projected at $571.68 million, compared to $369.78 million last year [8]. - 'Mortgage banking income' is expected to be $4.67 million, slightly down from $4.78 million last year [8]. - 'Fees on deposit accounts' are estimated to reach $42.79 million, compared to $35.12 million last year [9]. - 'Trust and investment services income' is projected at $14.27 million, up from $12.41 million a year ago [9]. - The consensus estimate for 'Total correspondent banking and capital market income' stands at $19.08 million, compared to $13.56 million last year [10]. Market Performance - Over the past month, shares of SouthState have returned +1.7%, while the Zacks S&P 500 composite has changed by +2% [10]. - SouthState currently holds a Zacks Rank 2 (Buy), suggesting potential outperformance in the near future [10].

分组1 - SmarFinancial (SMBK) is expected to report quarterly earnings of $0.80 per share, reflecting a year-over-year increase of 40.4% [1] - Revenues are anticipated to reach $51.58 million, which is a 10.2% increase from the same quarter last year [1] - There have been no revisions in the consensus EPS estimate over the last 30 days, indicating stability in analysts' forecasts [1] 分组2 - Analysts project the 'Efficiency Ratio' to be 63.2%, down from 69.0% in the previous year [3] - The expected 'Net Interest Margin' is 3.3%, compared to 3.2% reported in the same quarter last year [4] - The 'Average Balance - Total interest earning assets' is estimated at $5.31 billion, an increase from $4.68 billion in the same quarter last year [4] 分组3 - The consensus estimate for 'Total noninterest income' is $7.18 million, down from $9.03 million reported in the same quarter last year [5] - Analysts predict 'Net interest income (FTE)' to reach $44.52 million, compared to $38.11 million in the same quarter last year [5] - The collective estimate for 'Net interest income' stands at $44.66 million, up from $37.78 million a year ago [6] 分组4 - Over the past month, SmarFinancial shares have declined by 3.3%, while the Zacks S&P 500 composite has increased by 2.1% [6] - SmarFinancial holds a Zacks Rank 3 (Hold), suggesting its performance is expected to align with the overall market [6]

Core Insights - ServisFirst Bancshares (SFBS) is expected to report quarterly earnings of $1.41 per share, reflecting an 18.5% increase year-over-year [1] - Analysts forecast revenues of $152.63 million, indicating a 15.7% year-over-year growth [1] - The consensus EPS estimate has remained unchanged over the last 30 days, suggesting stability in analyst projections [1] Financial Metrics - The 'Efficiency Ratio' is projected to be 31.6%, down from 35.5% in the same quarter last year [4] - The estimated 'Average Balance - Interest-earning Assets' is $17.37 billion, compared to $16.53 billion reported in the same quarter last year [4] - The consensus estimate for 'Net Interest Income' is $142.77 million, up from $123.17 million in the same quarter last year [5] - 'Total Non-interest income' is expected to be $9.88 million, an increase from $8.80 million in the previous year [5] Stock Performance - Shares of ServisFirst have returned +0.5% over the past month, while the Zacks S&P 500 composite has changed by +2.1% [5] - ServisFirst holds a Zacks Rank 3 (Hold), indicating it is expected to perform in line with the overall market in the near future [5]

Core Insights - Preferred Bank (PFBC) is expected to report quarterly earnings of $2.57 per share, reflecting a year-over-year increase of 4.5% [1] - Anticipated revenues for the quarter are projected at $72.3 million, showing no change compared to the same quarter last year [1] Earnings Projections - There have been no revisions in the consensus EPS estimate over the last 30 days, indicating stability in analysts' forecasts [2] - Changes in earnings projections are crucial for predicting investor reactions, with empirical studies showing a strong link between earnings estimate trends and short-term stock price movements [3] Key Metrics Forecast - Analysts estimate a 'Net Interest Margin' of 3.8%, down from 4.1% in the same quarter last year [5] - The 'Efficiency Ratio' is expected to be 30.3%, slightly improved from 30.6% year-over-year [5] - 'Total non-performing loans' are projected to reach $37.12 million, significantly higher than the $19.36 million reported in the previous year [5] Asset and Income Estimates - The estimated 'Average Interest-Earning Assets' is $7.19 billion, up from $6.68 billion in the same quarter last year [6] - Analysts predict 'Total non-performing assets' will likely be $49.68 million, compared to $34.44 million in the same quarter last year [6] - The consensus estimate for 'Net interest income before provision for credit losses' is $68.92 million, slightly up from $68.85 million year-over-year [7] - 'Total noninterest income' is expected to be $3.60 million, compared to $3.46 million in the same quarter last year [7] Market Performance - Shares of Preferred Bank have decreased by 1.9% over the past month, contrasting with a 1% increase in the Zacks S&P 500 composite [7] - With a Zacks Rank 4 (Sell), PFBC is anticipated to underperform the overall market in the near future [7]

Core Insights - HBT Financial (HBT) is expected to report quarterly earnings of $0.62 per share, reflecting a 1.6% increase year over year, with revenues projected at $59.8 million, a 6% increase from the previous year [1] - There has been no revision in the consensus EPS estimate for the quarter over the past 30 days, indicating stability in analysts' projections [1][2] Financial Metrics - The consensus estimate for 'Net interest margin (FTE)' is 4.2%, up from 4.0% in the same quarter last year [4] - 'Average Balances - Interest-earning assets' are forecasted to be $4.75 billion, slightly down from $4.77 billion a year ago [4] - Analysts estimate an 'Efficiency Ratio' of 53.5%, improved from 54.2% reported in the same quarter last year [4] - 'Net interest income (FTE)' is expected to be $50.10 million, compared to $48.29 million a year prior [5] - 'Total noninterest income' is projected at $10.01 million, up from $8.71 million in the same quarter last year [5] Market Performance - HBT Financial shares have decreased by 3.4% over the past month, contrasting with a 1% increase in the Zacks S&P 500 composite [5] - HBT is currently rated with a Zacks Rank 4 (Sell), indicating expectations of underperformance relative to the overall market in the near future [5]