Core Insights - Commerce Bancshares (CBSH) reported revenue of $449.36 million for Q4 2025, marking a year-over-year increase of 6.5% and exceeding the Zacks Consensus Estimate of $438.1 million by 2.57% [1] - The company's EPS for the same quarter was $1.01, unchanged from the previous year, and also surpassed the consensus EPS estimate of $0.99 by 1.72% [1] Financial Performance Metrics - Net Interest Margin was reported at 3.6%, matching the average estimate from five analysts [4] - Efficiency Ratio stood at 56.2%, in line with the five-analyst average estimate [4] - Annualized net loan charge-offs to total average loans were 0.2%, better than the four-analyst average estimate of 0.3% [4] - Average total interest-earning assets were $31.47 billion, exceeding the four-analyst average estimate of $31.02 billion [4] - Book value per share was $27.75, slightly below the four-analyst average estimate of $27.83 [4] - Non-accrual loans totaled $15.75 million, compared to the average estimate of $16.96 million from two analysts [4] - Total Non-Interest Income reached $166.21 million, surpassing the five-analyst average estimate of $161.4 million [4] - Fully-taxable equivalent net interest income was reported at $285.83 million, exceeding the five-analyst average estimate of $280.96 million [4] - Trust fees amounted to $62.13 million, higher than the average estimate of $58.71 million based on four analysts [4] - Bank card transaction fees were $46.76 million, slightly above the four-analyst average estimate of $46.62 million [4] - Deposit account charges and other fees totaled $27.95 million, exceeding the four-analyst average estimate of $26.87 million [4] - Consumer brokerage services generated $5.19 million, below the average estimate of $5.94 million from three analysts [4] Stock Performance - Shares of Commerce Bancshares have returned +3.9% over the past month, outperforming the Zacks S&P 500 composite's +0.7% change [3] - The stock currently holds a Zacks Rank 5 (Strong Sell), indicating potential underperformance relative to the broader market in the near term [3]

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].

Core Viewpoint - Analysts project that Equity Bancshares (EQBK) will report quarterly earnings of $1.22 per share, reflecting a year-over-year increase of 10.9% and revenues of $71.75 million, which is a 23.1% increase from the same quarter last year [1] Earnings Projections - Over the last 30 days, there has been a 0.4% upward revision in the consensus EPS estimate for the quarter, indicating a collective reassessment by covering analysts [2] - Changes in earnings projections are crucial for predicting investor reactions, with empirical studies showing a strong correlation between earnings estimate trends and short-term stock price movements [3] Key Metrics Estimates - The consensus for 'Net Interest Margin' is projected to be 4.4%, up from 4.2% reported in the same quarter last year [5] - Analysts predict an 'Efficiency ratio' of 59.7%, improved from 63.0% in the same quarter last year [5] - 'Total Non-Interest Income' is expected to reach $9.05 million, compared to $8.82 million in the same quarter last year [6] - 'Net Interest Income' is estimated at $62.70 million, significantly higher than the year-ago figure of $49.47 million [6] Market Performance - Shares of Equity Bancshares have shown a return of -1.6% over the past month, contrasting with the Zacks S&P 500 composite's +1.6% change, but EQBK holds a Zacks Rank 2 (Buy), indicating expectations to outperform the market in the near future [6]

Core Viewpoint - Analysts project that Banc of California (BANC) will report quarterly earnings of $0.38 per share, reflecting a year-over-year increase of 35.7% and revenues of $292.72 million, up 10.8% from the same quarter last year [1] Earnings Projections - Revisions to earnings projections are crucial for predicting investor behavior and are linked to short-term stock price performance [2] - The consensus EPS estimate has remained unchanged over the last 30 days, indicating analysts' reassessment of their initial estimates [1] Key Metrics Estimates - Analysts estimate 'Net Interest Margin' to reach 3.2%, up from 3.0% a year ago [4] - The consensus for 'Average Balance - Total interest-earning assets' is $31.68 billion, compared to $30.82 billion last year [4] - 'Total Nonperforming loans' are expected to be $179.21 million, down from $189.61 million a year ago [4] - 'Total Nonperforming assets' are projected at $184.36 million, compared to $199.34 million last year [5] - 'Total NonInterest Income' is estimated at $34.73 million, up from $28.99 million in the same quarter last year [5] - 'Net Interest Income' is forecasted to reach $258.00 million, compared to $235.29 million a year ago [6] - 'Service charges on deposit accounts' are expected to be $5.19 million, up from $4.77 million last year [6] - 'Leased equipment income' is projected at $10.53 million, slightly down from $10.73 million in the same quarter last year [6] - 'Other commissions and fees' are estimated to reach $9.71 million, compared to $8.23 million last year [7] Stock Performance - Banc of California shares have recorded a return of +3.2% over the past month, outperforming the Zacks S&P 500 composite's +1.6% change [7] - The company holds a Zacks Rank 3 (Hold), suggesting it will likely perform in line with the overall market in the upcoming period [7]

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 Viewpoint - Bank of Hawaii's stock has underperformed compared to the S&P 500, raising questions about its investment potential and risk profile [1] Group 1: Financial Performance - Bank of Hawaii's net interest income has plateaued over the last five years, showing no growth compared to the broader banking industry [4] - The bank's net interest margin (NIM) averaged a low 2.3% over the past two years, indicating weak profitability of its loan book [6] - Tangible book value per share (TBVPS) has seen a modest annual growth of 1.4% over five years, but it accelerated to 10.7% annually in the last two years, increasing from $28.99 to $35.56 per share [8] Group 2: Valuation and Market Position - Bank of Hawaii's shares are trading at 1.7 times forward price-to-book (P/B) ratio, suggesting that the stock is priced with a lot of positive expectations already factored in [9] - Despite not being a poor business, Bank of Hawaii does not meet the quality investment criteria, and there may be better opportunities available in the market [9]

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 - 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 Viewpoint - SouthState Corporation (SSB) has shown strong performance with an 11.6% increase in shares over the past three months, outperforming the industry growth of 6.8% and its peers [1][8] Financial Performance - The Federal Reserve's recent interest rate cuts are expected to ease funding pressures and stabilize deposit costs, benefiting banks like SouthState [4] - SouthState's net interest income (NII) has achieved a five-year compound annual growth rate (CAGR) of 22.9% through 2024, with continued improvement in the first half of 2025 [5] - The net interest margin (NIM) improved in the first half of 2025 due to balance sheet optimization, despite a decline in 2024 from elevated funding costs [5][6] - Revenue growth is projected to continue, with estimates suggesting a year-over-year increase of 51.93% for 2025 and 4.76% for 2026 [9][10] Growth Strategies - SouthState has expanded its market presence through acquisitions, including the significant acquisition of Independent Bank in January 2025, which increased total assets to $65.1 billion [10][11] - The company has maintained strong organic growth, with a revenue CAGR of 21.5% over the past five years, continuing into the first half of 2025 [6][7] Liquidity and Shareholder Returns - SouthState has a solid liquidity position, with total debt of $1.2 billion against cash and cash equivalents of $3.5 billion as of June 30, 2025 [12] - The company has consistently raised dividends since 2020, with a recent hike of 11.1% in July 2025, resulting in a payout ratio of 26% and a five-year annualized dividend growth of 3.30% [13][16] Risks and Concerns - Elevated non-interest expenses have shown a CAGR of 16.6% from 2019 to 2024, driven by various operational costs [18] - The loan portfolio is heavily concentrated in real estate, with 72.9% of loans having real estate as collateral, increasing exposure to commercial real estate risks [20][21] Valuation - SouthState's trailing price-to-book (P/B) ratio of 1.15X is below the industry average of 1.88X, indicating that shares are trading at a discount compared to peers [23]