It has been about a month since the last earnings report for Hancock Whitney (HWC) . Shares have added about 2.2% in that time frame, outperforming the S&P 500.But investors have to be wondering, will the recent positive trend continue leading up to its next earnings release, or is Hancock Whitney due for a pullback? Before we dive into how investors and analysts have reacted as of late, let's take a quick look at the most recent earnings report in order to get a better handle on the important drivers.Hanco ...

Core Insights - KeyCorp's net interest income (NII) increased by 23% year-over-year to $4.67 billion in 2025, driven by strong commercial loan growth, improved deposit trends, lower funding costs, and balance sheet optimization, despite Federal Reserve rate cuts [1][8] KeyCorp's NII Growth Drivers - KeyCorp's NII (TE) experienced a compound annual growth rate (CAGR) of 2.8% from 2020 to 2025, rebounding strongly in 2025 after declines in 2023 and 2024 due to high deposit costs [3] - The commercial and industrial (C&I) loan portfolio grew by 9% in 2025, while the bank reduced lower-yielding consumer loans, enhancing asset yields and supporting NII growth [4][5] - Effective balance sheet repositioning, lower funding costs, and disciplined deposit pricing contributed to the NII growth in 2025 [5] Regional Peers Performance - PNC Financial Services Group reported a 6.6% year-over-year increase in NII (TE) to $14.5 billion, supported by lower funding costs and steady loan growth [2] - Huntington Bancshares' NII (TE) rose by 12% to $6 billion, driven by strong organic loan growth and net interest margin (NIM) expansion [2] NII Outlook for 2026 - KeyCorp anticipates an NII (TE) increase of 8-10% in 2026, with fourth-quarter NII projected to reach approximately $1.3 billion and NIM expected to expand to 3.00-3.05% [6][8] - Average loan growth of 1-2% and maintained deposit betas in the low-to-mid-50% range are expected to further support NII growth [6] Stock Performance - KeyCorp's shares have surged by 23.5% in the past three months, outperforming the industry's growth of 19.5% [7]

Core Insights - Valley National Bancorp (VLY) reported better-than-expected quarterly results, with adjusted earnings per share (EPS) of 31 cents, surpassing the Zacks Consensus Estimate of 29 cents and significantly up from 13 cents in the prior year [2][9] Financial Performance - The fourth-quarter 2025 adjusted EPS of 31 cents was supported by increased net interest income (NII) and non-interest income, along with lower provisions for credit losses [3][9] - For the full year 2025, adjusted EPS was 99 cents, beating the Zacks Consensus Estimate of 97 cents, representing a 59.7% increase year over year [4] - Net income on a GAAP basis for 2025 was $598 million, up 57.3% year over year [4] Revenue and Income Breakdown - Total revenues for the fourth quarter were $542.5 million, a 14.1% increase year over year, exceeding the Zacks Consensus Estimate of $524.7 million [5] - For 2025, total revenues reached $2.03 billion, up 9.3%, also surpassing the Zacks Consensus Estimate of $2.01 billion [5] - NII for the fourth quarter was $466.1 million, a 9.9% increase year over year, with a net interest margin of 3.17%, expanding by 25 basis points [6] Expense Management - Non-interest expenses for the fourth quarter were $299.4 million, up 7.5% year over year, while adjusted non-interest expenses rose 5% to $289.5 million [6] - The adjusted efficiency ratio improved to 53.49%, down from 57.21% in the prior-year quarter, indicating enhanced profitability [7] Loan and Deposit Growth - As of December 31, 2025, total loans were $50.1 billion, up 1.8% from the previous quarter, and total deposits were $52.2 billion, up 2% [8] Credit Quality - Total non-performing assets (NPAs) were $439.8 million, an increase of 17.8% year over year, while the allowance for credit losses as a percentage of total loans was 1.19%, up 2 basis points [8] Profitability and Capital Ratios - The adjusted annualized return on average assets was 1.14%, up from 0.48% in the prior year, and the return on average shareholders' equity was 9.33%, up from 4.17% [11] - The tangible common equity to tangible assets ratio was 8.82%, up from 8.40% in the previous year, and the Tier 1 risk-based capital ratio was 11.69%, up from 11.55% [12] Share Repurchase Activity - In the reported quarter, VLY repurchased 4.3 million shares at an average price of $10.93 under its ongoing stock buyback program [13] Strategic Outlook - The company's focus on strengthening fee income, higher NII, and solid loan and deposit growth is expected to support its financials, despite concerns over rising costs and asset quality [14]

Company Overview - JPMorgan Chase is a leading financial institution with a strong track record, delivering a total return of 156% over the past five years [2] - The bank operates in various sectors, including investment banking, capital markets, consumer banking, and asset management [2] Financial Performance - JPMorgan's stock is currently priced at $306.42, reflecting a 1.88% increase or $5.65 [4] - The stock has fluctuated between $302.22 and $306.82 today, with a market capitalization of approximately $834.16 billion [4] - Over the past year, the stock reached a high of $337.25 and a low of $202.16 [4] Valuation Metrics - JPMorgan's price-to-book (P/B) ratio is 2.4, which is 33% higher than its five-year average and 75% more expensive than Bank of America [2] Future Projections - JPMorgan projects its net interest income (NII) for 2026 to reach approximately $103 billion, marking a 7% increase from the previous year [3][5] - This growth is expected despite anticipated rate cuts, as the bank relies on increased loan volumes, revolving card balances, and deposit gains [3]

Core Insights - Prosperity Bancshares, Inc. (PB) reported fourth-quarter 2025 earnings of $1.49, exceeding the Zacks Consensus Estimate of $1.45, with an 8.8% year-over-year growth [1] - The company announced a $2 billion stock-and-cash acquisition of Stellar Bancorp, Inc. (STEL), which led to a 7.9% decline in PB's shares following the announcement [1][9] Financial Performance - Net income available to common shareholders was $139.9 million, reflecting a 7.6% increase from the previous year, surpassing the estimate of $134.9 million [2] - For 2025, earnings per share reached $5.72, beating the Zacks Consensus Estimate of $5.68, and net income was $542.8 million, up 13.2% year over year [3] - Quarterly total revenues were $317.7 million, up from $307.6 million a year earlier, slightly above the Zacks Consensus Estimate of $317.3 million [4] Income and Expenses - Net interest income (NII) rose 4.5% year over year to $275 million, with a net interest margin (NIM) of 3.30%, an increase of 25 basis points [5] - Non-interest income totaled $42.8 million, up 7.4%, driven by increases in fee-based revenues [6] - Non-interest expenses decreased by 2% year over year to $138.7 million, attributed to lower salaries, regulatory assessments, and other costs [7] Balance Sheet and Capital Position - As of December 31, 2025, total assets were $38.46 billion, total loans were $21.81 billion (down 1%), and deposits increased by 2.5% to $28.48 billion [8] - The common equity tier 1 ratio improved to 17.55% from 16.42% year over year [8] - The total risk-based capital ratio rose to 18.80% from 17.67%, and the equity-to-assets ratio strengthened to 19.8% from 18.8% [10] Credit Quality - Non-performing assets increased to $150.8 million from $81.5 million a year ago, while net charge-offs rose to $5.9 million from $2.6 million [11] - The company reported no provision for credit losses during the quarter, consistent with the previous year [11] Acquisition Details - Prosperity Bancshares agreed to acquire Stellar Bancorp for $2 billion, with the deal expected to close in Q2 2026, subject to regulatory and shareholder approvals [13] - The acquisition will involve issuing 0.3803 shares of PB's common stock and $11.36 in cash for each share of Stellar common stock [14] - Upon completion, the merged entity will be the second-largest bank based on deposits in Texas, with approximately $54 billion in assets [15] Strategic Outlook - The acquisition is projected to generate significant financial benefits, including cost savings of 35% of STEL's non-interest expenses, with an expected 9.2% accretion to 2027 earnings [16] - Prosperity Bancshares continues to demonstrate strong capital management and strategic expansion initiatives, although challenges remain with lower loan balances and asset quality [17]

Core Viewpoint - Popular, Inc. (BPOP) reported better-than-expected quarterly results, with shares rising 6.3% following the announcement of adjusted earnings per share of $3.40, surpassing the Zacks Consensus Estimate of $3.02 and showing an increase from $2.51 in the same quarter last year [1][9]. Financial Performance - The fourth-quarter 2025 adjusted earnings per share of $3.40 exceeded expectations, while net income on a GAAP basis reached $233.9 million, reflecting a 31.5% year-over-year increase [2][9]. - Total quarterly revenues amounted to $823.8 million, a 9.1% increase from the previous year, and also surpassed the Zacks Consensus Estimate of $814.9 million [4]. - For the full year 2025, adjusted earnings per share were $12.18, beating the Zacks Consensus Estimate of $11.81, and net income was $833.2 million, up 35.6% year over year [3]. Revenue and Income Breakdown - Net interest income (NII) for the quarter was $657.6 million, an 11.3% increase year over year, with the net interest margin expanding by 26 basis points to 3.61% [4]. - Non-interest income rose by 1% to $166.3 million, driven by increased service charges and trading account gains [5]. Loan and Deposit Trends - Total loans held in portfolio increased by 1.6% sequentially to $38.5 billion, while total deposits decreased slightly to $66.2 billion [6]. Credit Quality and Provisions - The company recorded a provision for credit losses of $71.4 million, a 3.3% increase from the prior year, with non-performing assets rising 32.5% year over year to $540.8 million [7][9]. - The ratio of non-performing assets to total assets increased to 0.72% from 0.56% a year earlier [7]. Capital Ratios - As of December 31, 2025, the Common Equity Tier 1 capital ratio and Tier 1 capital ratio were 15.72% and 15.77%, respectively, both down from the previous year [10]. Share Repurchase Activity - In the reported quarter, the company repurchased 1.25 million shares of common stock for $147.8 million [11].

Core Insights - Bank of Hawaii Corporation (BOH) shares rose nearly 6.1% after reporting better-than-expected fourth-quarter 2025 earnings per share (EPS) of $1.39, exceeding the Zacks Consensus Estimate of $1.25 and up from 85 cents in the same quarter last year [1][10] Financial Performance - The company's net income (GAAP basis) for Q4 2025 was $60.9 million, reflecting a 55.6% year-over-year increase [2] - For the full year 2025, EPS was $4.63, surpassing the Zacks Consensus Estimate of $4.50 and up from $3.46 in 2024. The net income for the year was $205.9 million, a 37.3% increase year over year [3] - Quarterly revenues increased by 16.2% year over year to $189.6 million, exceeding the Zacks Consensus Estimate by 3.9%. Full-year revenues reached $716.6 million, up 12.1% year over year, also surpassing estimates [4] Income and Expenses - Net interest income (NII) for Q4 was $145.4 million, a 20.9% increase year over year, with net interest margin (NIM) rising 42 basis points to 2.61% [4] - Non-interest income was $44.3 million, up 2.8% year over year, driven by higher trust and asset management income [5] - Non-interest expenses rose 1.5% year over year to $109.5 million, with adjusted expenses increasing 3.9% from the previous year [6] Efficiency and Credit Quality - The efficiency ratio improved to 57.75%, down from 66.12% in the prior year, indicating increased profitability [7] - As of December 31, 2025, non-performing assets decreased by 26.6% year over year to $14.2 million, while net loan and lease charge-offs increased to $4.1 million [11] Capital Ratios and Profitability - The Tier 1 capital ratio improved to 14.49%, up from 13.95% a year earlier, and the total capital ratio rose to 15.54% from 15.00% [13] - Return on average assets was 1.01%, up from 0.66% in the prior year, and return on average shareholders' equity increased to 13.33% from 9.42% [14] Share Repurchase - In the reported quarter, Bank of Hawaii repurchased 76.5 thousand shares at a total cost of $5 million, with remaining buyback authority of $121 million [15] Overall Outlook - The rise in NII and fee income is expected to support top-line growth, alongside a solid capital position and higher loan and deposit balances. However, rising expenses remain a concern for overall performance [16]

Core Viewpoint - F.N.B. Corporation (FNB) reported strong fourth-quarter 2025 operating earnings of 50 cents per share, exceeding expectations and reflecting a 31.6% year-over-year increase, driven by higher net interest income and non-interest income, despite rising non-interest expenses [1][11]. Financial Performance - Operating earnings per share for 2025 reached $1.59, a 14.4% increase year over year, surpassing the consensus estimate of $1.50 [3]. - Net income available to common shareholders was $168.7 million or 47 cents per share, up from $109.9 million or 30 cents per share in the prior-year quarter [2]. - Total revenue for the quarter was $457.8 million, a 22.7% increase from the previous year, exceeding the Zacks Consensus Estimate of $455.8 million [4]. Income Sources - Net interest income (NII) was $365.4 million, up 13.4% year over year, primarily due to growth in earning assets and a lower cost of funds, with net interest margin (NIM) expanding to 3.28% [5]. - Non-interest income surged to $92.3 million, an 81.3% increase year over year, driven by higher service charges and trust services, despite a decline in mortgage banking operations [6]. Expense Management - Non-interest expenses rose to $273.2 million, a 10.1% increase, with adjusted non-interest expenses up 3.4% to $256.5 million [7]. Loan and Deposit Growth - Average total loans and leases were $35.0 billion, a 3.4% increase year over year, while average total deposits reached $38.6 billion, up 4.5% [8]. Credit Quality - Provision for credit losses decreased to $18.9 million from $22.3 million in the prior-year quarter, with net charge-offs also declining to $16.4 million [9]. - The ratio of non-performing loans plus other real estate owned (OREO) to total loans and leases plus OREO decreased to 0.31% [9]. Capital Ratios - As of December 31, 2025, the common equity Tier 1 (CET1) ratio improved to 11.4% from 10.6% in the prior-year quarter, and the tangible common equity to tangible assets ratio increased to 8.9% from 8.2% [12]. Share Repurchase - During the fourth quarter of 2025, F.N.B. Corp repurchased $18 million worth of shares, totaling 1.1 million shares at an average price of $16.20 [13]. Future Outlook - The company is expected to benefit from increased fee income, diverse revenue streams, and strategic expansions, although rising expenses and significant commercial loan exposures present challenges [14].

Core Insights - Comerica Incorporated (CMA) reported fourth-quarter 2025 adjusted earnings per share (EPS) of $1.46, exceeding the Zacks Consensus Estimate of $1.28, and up from $1.20 in the prior-year quarter [1][9] - The results were driven by an increase in net interest income (NII), fee income, and deposit balances, although concerns arose from lower loan balances and rising expenses [1][11] Financial Performance - For the fourth quarter, net income attributable to common shareholders (GAAP basis) was $176 million, a 3.5% increase from the year-ago quarter [2] - Total quarterly revenues reached $850 million, a slight year-over-year increase, but missed the consensus estimate of $850.1 million [4] - For the full year 2025, adjusted EPS was $5.47, up from $5.02 in the previous year, surpassing the Zacks Consensus Estimate of $5.23 [3] - Total revenues for 2025 were $3.37 billion, an increase from $3.24 billion in 2024, beating the consensus estimate of $3.36 billion [4] Income and Expenses - Quarterly NII rose marginally to $577 million, with the net interest margin increasing by 1 basis point to 3.07% [4] - Total non-interest income was $273 million, reflecting a 9.2% year-over-year increase [5] - Non-interest expenses totaled $617 million, up 5.1% year over year, leading to an efficiency ratio of 72.30%, compared to 69.51% in the prior-year quarter [5] Loan and Deposit Trends - As of December 31, 2025, total loans decreased slightly to $50.7 billion, while total deposits increased by 3.6% to $64.9 billion [6][9] Credit Quality - The provision for credit loss was $14 million in the fourth quarter, down from $21 million in the year-ago quarter [7] - Total non-performing assets decreased by 18.5% year over year to $251 million [7] - The allowance for credit losses to total loans ratio was 1.45%, up from 1.44% in the previous year [8] Capital Position - The total capital ratio improved to 14.25%, up from 14.21% in the prior-year quarter [10] - The Common Equity Tier 1 capital ratio increased to 12.02%, compared to 11.89% in the previous year [10] - The tangible common equity ratio was 8.40%, up from 7% in the prior-year quarter [10] Strategic Outlook - The planned merger with Fifth Third Bancorp is expected to enhance Comerica's scale, diversification, and competitiveness in key growth markets, with the transaction anticipated to close in the first quarter of 2026 [12]

Core Insights - U.S. Bancorp's fourth-quarter 2025 earnings per share of $1.26 exceeded the Zacks Consensus Estimate of $1.19, marking a 24.7% increase from the prior-year quarter [1][8] - The net income attributable to U.S. Bancorp was $2.04 billion, reflecting a 22.9% rise from the previous year [1] - Total revenues for the quarter were $7.36 billion, up 5.1% year over year, and slightly above the Zacks Consensus Estimate by 0.6% [3][8] Financial Performance - For the full year 2025, earnings per share were $4.62, surpassing the consensus estimate of $4.55 and increasing from $3.79 in 2024 [2] - Net income for 2025 was $7.6 billion, a 20.2% increase from the prior year [2] - Tax-equivalent net interest income (NII) for the quarter totaled $4.31 billion, up 3.2% year over year, driven by loan growth and fixed asset repricing [3][4] Revenue and Expenses - Non-interest income rose 7.8% year over year to $3.05 billion, supported by increases across nearly all components [4] - Non-interest expenses decreased by 1.9% year over year to $4.23 billion, primarily due to lower compensation and employee benefits expenses [4] - The efficiency ratio improved to 57.4%, down from 61.5% in the prior year, indicating enhanced profitability [5] Loan and Deposit Growth - Average total loans increased by 1.3% to $384.3 billion from the previous quarter [6] - Average total deposits rose slightly to $515.1 billion from the previous quarter [6] Credit Quality - The total allowance for credit losses was $7.94 billion, showing a marginal year-over-year decline [7] - Non-performing assets decreased by 13.2% year over year to $1.59 billion [7] - Net charge-offs were $527 million, down 6.2% from the previous quarter [7] Capital Ratios - The Tier 1 capital ratio improved to 12.3% as of December 31, 2025, up from 12.2% in the prior year [9] - The Common Equity Tier 1 capital ratio was 10.8%, an increase from 10.6% year over year [9] - The tangible common equity to tangible assets ratio rose to 6.7%, up from 5.8% in the prior year [9] Future Outlook - U.S. Bancorp's diversified revenue streams, solid balance sheet, and disciplined cost control are expected to support strong financial performance moving forward [10] - Growth in NII and non-interest income, along with improved efficiency, is anticipated to enhance future profitability [10]