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].

Core Insights - FB Financial (FBK) is projected to announce quarterly earnings of $1.14 per share, reflecting a year-over-year increase of 34.1% [1] - Revenues are expected to reach $174.93 million, marking a 34.2% 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] Earnings Estimates - The 'Core Efficiency Ratio' is estimated to be 52.6%, down from 56.1% a year ago [4] - 'Net Interest Margin' is forecasted at 3.9%, an increase from 3.5% reported in the same quarter last year [4] - 'Average Earning Assets' are expected to reach $15.19 billion, up from $12.37 billion a year ago [4] Income Projections - 'Mortgage banking income' is projected to be $11.66 million, compared to $10.59 million in the previous year [5] - 'Total Noninterest income' is expected to be $26.42 million, up from $22.00 million reported last year [5] - 'Net interest income (tax-equivalent basis)' is estimated at $150.43 million, compared to $109.00 million in the same quarter last year [6] Additional Metrics - 'Service charges on deposit accounts' are expected to reach $4.05 million, up from $3.55 million last year [7] - 'Net Interest Income' is projected at $147.77 million, compared to $108.38 million reported in the same quarter last year [7] - 'Investment services and trust income' is forecasted to be $4.24 million, an increase from $3.85 million in the previous year [8] Market Performance - FB Financial shares have returned +3.2% over the past month, outperforming the Zacks S&P 500 composite's +1.6% change [8] - The company holds a Zacks Rank 2 (Buy), indicating expectations to outperform the overall market in the near future [8]

Core Insights - FB Financial (FBK) is projected to announce quarterly earnings of $1.03 per share, reflecting a year-over-year increase of 19.8% [1] - Revenues are expected to reach $168.86 million, marking an 88.6% increase from the same quarter last year [1] Earnings Estimates - The consensus EPS estimate has remained unchanged over the past 30 days, indicating analysts have not revised their projections [2] - Changes in earnings estimates are crucial for predicting investor reactions, with empirical studies showing a strong correlation between earnings estimate revisions and short-term stock performance [3] Key Financial Metrics - Analysts project a 'Net Interest Margin' of 3.8%, up from 3.6% a year ago [5] - The estimated 'Core Efficiency Ratio' is 54.9%, a significant improvement from 85.1% reported in the same quarter last year [5] - 'Average Earning Assets' are expected to be $14.82 billion, compared to $11.95 billion in the same quarter of the previous year [5] Income Projections - 'Mortgage banking income' is projected at $13.70 million, up from $11.55 million in the same quarter last year [6] - 'Net interest income (tax-equivalent basis)' is expected to be $142.07 million, compared to $106.63 million a year ago [6] - The consensus estimate for 'Net Interest Income' stands at $139.71 million, an increase from $106.02 million in the same quarter last year [7] Additional Metrics - 'Service charges on deposit accounts' are estimated at $3.43 million, slightly up from $3.38 million a year ago [7] - 'Investment services and trust income' is projected to reach $4.04 million, compared to $3.72 million in the same quarter last year [8] Stock Performance - FB Financial shares have increased by 11.4% in the past month, outperforming the Zacks S&P 500 composite, which rose by 4% [8] - FBK holds a Zacks Rank 3 (Hold), indicating it is expected to closely follow overall market performance in the near term [8]

Core Insights - Mercantile Bank reported revenue of $60.94 million for the quarter ended June 2025, marking a year-over-year increase of 7.4% and a surprise of +0.9% over the Zacks Consensus Estimate of $60.4 million [1] - The earnings per share (EPS) for the same period was $1.39, compared to $1.17 a year ago, resulting in an EPS surprise of +13.01% against the consensus estimate of $1.23 [1] Financial Performance Metrics - Efficiency Ratio stood at 54.8%, slightly better than the three-analyst average estimate of 54.9% [4] - Net Interest Margin was reported at 3.5%, matching the average estimate based on three analysts [4] - Net loan charge-offs to average loans were at -0%, compared to the average estimate of 0.1% [4] - Average Balances of Total earning assets (before allowance) were $5.71 billion, slightly below the two-analyst average estimate of $5.78 billion [4] - Total Noninterest Income reached $11.46 million, exceeding the average estimate of $9.96 million [4] - Net Interest Income was reported at $49.48 million, lower than the average estimate of $50.48 million [4] - Payroll services income was $0.78 million, below the average estimate of $0.95 million [4] - Interest rate swap income was $1.23 million, significantly higher than the average estimate of $0.55 million [4] - Credit and debit card income was $2.35 million, slightly above the average estimate of $2.21 million [4] - Earnings on bank-owned life insurance policies were $0.56 million, slightly above the average estimate of $0.53 million [4] - Mortgage banking income was reported at $3.97 million, exceeding the average estimate of $3.35 million [4] - Other income was $0.6 million, above the average estimate of $0.48 million [4] Stock Performance - Shares of Mercantile Bank have returned +8.5% over the past month, outperforming the Zacks S&P 500 composite's +5.9% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]