PBAM

Private Bancorp of America, Inc. (PBAM) came out with quarterly earnings of $2.27 per share, beating the Zacks Consensus Estimate of $2 per share. This compares to earnings of $1.77 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +13.50%. A quarter ago, it was expected that this company would post earnings of $1.75 per share when it actually produced earnings of $2.07, delivering a surprise of +18.29%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. Private Bancorp of America, which belongs to the Zacks Banks - Southwest industry, posted revenues of $34.55 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 0.42%. This compares to year-ago revenues of $31.84 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Private Bancorp of America shares have added about 39.1% since the beginning of the year versus the S&P 500's gain of 10.6%. While Private Bancorp of America has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Private Bancorp of America was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $2.07 on $35.7 million in revenues for the coming quarter and $8.22 on $140.65 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southwest is currently in the top 20% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. One other stock from the same industry, GBank Financial Holdings Inc. (GBFH), is yet to report results for the quarter ended June 2026. This company is expected to post quarterly earnings of $0.50 per share in its upcoming report, which represents a year-over-year change of +51.5%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. GBank Financial Holdings Inc.'s revenues are expected to be $22.2 million, up 24.9% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Private Bancorp of America, Inc. (PBAM) : Free Stock Analysis Report GBank Financial Holdings Inc. (GBFH) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Second Quarter 2026 Highlights Net income for the second quarter of 2026 was $13.1 million, compared to $12.0 million in the prior quarter and $10.4 million in the second quarter of 2025. Net income for the second quarter of 2026 represents a return on average assets of 1.99% and a return on average tangible common equity(1) of 18.90%. Diluted earnings per share for the second quarter of 2026 was $2.27, compared to $2.07 in the prior quarter and $1.77 in the second quarter of 2025. Core deposits were $2.33 billion as of June 30, 2026, an increase of $6.8 million or 0.3% from March 31, 2026, and an increase of $260.8 million or 12.6% from June 30, 2025. Total deposits were $2.38 billion as of June 30, 2026, an increase of $6.5 million or 0.3% from March 31, 2026, which included a reduction in brokered deposits of $0.2 million. Total cost of deposits was 1.63% for the second quarter of 2026, a decrease from 1.67% in the prior quarter and 2.08% in the second quarter of 2025, an improvement of 2.5% quarter over quarter and 21.7% year over year. The spot rate for total deposits was 1.65% as of June 30, 2026, compared to 1.55% at March 31, 2026 as a result of deposit mix changes. Total cost of funding sources was 1.68% for the second quarter of 2026, a decrease from 1.73% in the prior quarter and 2.14% in the second quarter of 2025. Loans held-for-investment (“HFI”) totaled $2.13 billion as of June 30, 2026, a decrease of $8.2 million or 0.4% from March 31, 2026. Investment securities available-for-sale (“AFS”) were $237.1 million as of June 30, 2026, an increase of $16.2 million or 7.3% since March 31, 2026, and an increase of $48.3 million or 25.6% from June 30, 2025, primarily as a result of new securities purchased. Net interest margin was 5.18% for the second quarter of 2026, compared to 5.21% in the prior quarter and 4.94% in the second quarter of 2025. For the second quarter of 2026, a provision reversal of $0.2 million was recorded, compared to a provision expense of $2.0 million for the prior quarter and a provision expense of $1.3 million for the second quarter of 2025. The allowance for loan losses was 1.43% of loans HFI as of June 30, 2026 compared to 1.41% at March 31, 2026. As of June 30, 2026, criticized loans totaled $58.0 million, or 2.72% of total loans, down from $68.3 million, or 3.19% of total loans at March 31, 2026. Tangible book value per share(1) was $49.57 as of June 30, 2026, an increase of $2.19 since March 31, 2026 primarily as a result of strong earnings. Filing of the Company’s Registration Statement on Form 10 (the “Registration Statement”) pursuant to the Securities Exchange Act of 1934, as amended, in connection with strategic decision to pursue a listing on the NASDAQ Global Select Market (“NASDAQ”). LA JOLLA, Calif., July 16, 2026 (GLOBE NEWSWIRE) -- Private Bancorp of America, Inc. (OTCQX: PBAM), (“Company”) and CalPrivate Bank (“Bank”) announced unaudited financial results for the second fiscal quarter ended June 30, 2026. The Company reported net income of $13.1 million, or $2.27 per diluted share, for the second quarter of 2026, compared to $12.0 million, or $2.07 per diluted share, in the prior quarter, and $10.4 million, or $1.77 per diluted share, in the second quarter of 2025. Rick Sowers, President and Chief Executive Officer of the Company and the Bank stated, “The second quarter of 2026 reflects continued strong earnings, a strong net interest margin that remained above 5%, and solid seasonal deposit trends. Credit metrics improved in the quarter, with declines in both non-performing assets and past-due loans. Loan production was solid, with strong origination volume mostly offsetting elevated maturities and prepayments, resulting in a modest decline in loan balances. We operate in competitive markets and spreads on new originations are compressed. While the goal continues to be organic growth, we remain disciplined in how we lend.” Sowers added, “We made significant investments in new roles and team members during the first half of the year, including a Chief Operating Officer, General Counsel, and a senior leader in Data and AI, to name a few. These investments reflect the Company’s commitment to scaling the business, focusing on delivering our Distinctively DifferentTM Service to our Clients, delivering long-term shareholder value, and preparing to be a public reporting company.” “Once again, our team produced superior quarterly profitability while investing in human capital, technology, and the professional fees related to the Board’s intention to transfer the Company’s common stock listing to NASDAQ,” said Selwyn Isakow, Chairman of the Board of the Company and the Bank. “The planned uplisting is subject to the satisfaction of all applicable initial listing requirements, including NASDAQ’s final approval of the listing. Moving to NASDAQ marks a pivotal milestone for our company. We believe this transition will enhance our credibility, expand access to capital, improve market visibility and liquidity, reinforce our ability to attract and retain exceptional talent as we continue to grow, and provide additional flexibility when pursuing accretive strategic growth opportunities. We believe these advantages will better position us to execute our long-term growth strategy and create sustainable long-term value for shareholders.” STATEMENT OF INCOME Net Interest Income Net interest income for the second quarter of 2026 totaled $33.5 million, an increase of $0.9 million or 2.9% from the prior quarter and an increase of $3.4 million or 11.4% from the second quarter of 2025. The increase from the prior quarter was driven by a $1.0 million increase in interest income, primarily reflecting higher interest loan income, partially offset by a modest increase in interest expense. Net Interest Margin Net interest margin (“NIM”) for the second quarter of 2026 was 5.18%, compared to 5.21% for the prior quarter and 4.94% in the second quarter of 2025. The decrease of 3 basis points (bps) in the NIM from the prior quarter included a decrease in prepayment penalties (-7 bps) and the absence of a special FHLB stock dividend recorded in the prior quarter (-5 bps), partially offset by an increase in net nonaccrual interest recognized (+8 bps). The yield on interest-earning assets was 6.70% for the second quarter of 2026 compared to 6.77% for the prior quarter, and the cost of interest-bearing liabilities was 2.32% for the second quarter of 2026 compared to 2.39% in the prior quarter. The cost of total deposits was 1.63% for the second quarter of 2026 compared to 1.67% in the prior quarter. The cost of core deposits, which excludes brokered deposits, was 1.57% in the second quarter of 2026 compared to 1.60% in the prior quarter and 1.94% for the second quarter of 2025. The spot rate for total deposits was 1.65% as of June 30, 2026, compared to 1.55% at March 31, 2026 as a result of deposit mix changes. Provision for Credit Losses A credit loss provision reversal of $0.2 million was recorded for the second quarter of 2026, compared to a $2.0 million provision expense in the prior quarter and a $1.3 million provision expense in the second quarter of 2025. The provision for loans HFI for the second quarter of 2026 was a $0.1 million provision reversal, primarily reflecting $0.3 million of net recoveries and lower delinquencies within the collectively evaluated loan portfolio, partially offset by higher reserves for individually evaluated loans. For more details, please refer to the “Asset Quality” section below. Noninterest Income Noninterest income was $1.0 million for the second quarter of 2026, compared to $1.9 million in the prior quarter and $1.7 million in the second quarter of 2025. U.S. Small Business Administration (“SBA”) loans totaling $3.4 million were sold during the second quarter of 2026 with a 10.50% average trade premium, and we also recognized a premium reimbursement of $0.2 million, resulting in a net gain on sale of $4 thousand, compared with sales of $16.2 million with a 10.31% average trade premium resulting in a net gain on sale of $0.9 million in the prior quarter. Noninterest Expense Noninterest expense was $16.9 million for the second quarter of 2026, compared to $15.7 million in the prior quarter and $15.7 million in the second quarter of 2025. The efficiency ratio(1) was 48.81% for the second quarter of 2026, compared to 45.39% in the prior quarter and 49.27% in the second quarter of 2025. The increase in the efficiency ratio from the prior quarter primarily reflected a $0.9 million decrease in noninterest income and a $1.2 million increase in noninterest expense, partially offset by a $0.9 million increase in net interest income. The increase in noninterest expense primarily reflected higher professional services related, in part, to our initiative to become an SEC reporting company and have the Company’s common stock listed on NASDAQ. The Company continues to invest in people, processes and technology to scale the business. Inflationary pressures and low unemployment continue to contribute to upward pressure on wages, as well as increased costs related to third-party service providers, which we proactively monitor and manage. Provision for Income Tax Expense Provision for income tax expense was $4.8 million for the second quarter of 2026, compared to $4.8 million for the prior quarter. The effective tax rate for the second quarter of 2026 was 26.7%, compared to 28.6% in the prior quarter and 29.7% in the second quarter of 2025. The decrease in the effective tax rate was primarily driven by discrete tax benefits associated with equity compensation. STATEMENT OF FINANCIAL CONDITION As of June 30, 2026, total assets were $2.71 billion, an increase of $14.4 million since March 31, 2026. The increase in assets from the prior quarter primarily reflected a $16.2 million increase in AFS securities, a $4.7 million increase in other assets (primarily reflecting a $5.1 million increase in other real estate owned) and a $3.4 million increase in cash and due from banks, partially offset by an $8.2 million decrease in loans held for investment. AFS securities were $237.1 million as of June 30, 2026, an increase of $16.2 million or 7.3% since March 31, 2026, primarily as a result of new securities purchased. As of June 30, 2026, the net unrealized loss on the AFS securities portfolio, which is comprised primarily of U.S. government agency mortgage-backed securities, was $8.9 million (pre-tax) compared to a loss of $7.9 million (pre-tax) as of March 31, 2026. The average duration of the Bank’s AFS portfolio is 4.0 years. The Company has no held-to-maturity securities. Loans HFI totaled $2.13 billion as of June 30, 2026, a decrease of $8.2 million since March 31, 2026, primarily reflecting lower SBA 504, owner-occupied CRE and C&I balances, partially offset by increases in investor-owned CRE, single-family-secured and multifamily loans. Total deposits were $2.38 billion as of June 30, 2026, an increase of $6.5 million since March 31, 2026. During the quarter, core deposits increased by $6.8 million, as a $79.4 million increase in interest-bearing core deposits (including balances in the IntraFi ICS and CDARS programs) was partially offset by a $72.6 million decrease in noninterest-bearing core deposits. Noninterest-bearing deposits represented 28.4% of total core deposits. Brokered deposits decreased by $0.2 million since March 31, 2026. Uninsured deposits, net of collateralized and fiduciary deposit accounts, represent 53.8% of total deposits as of June 30, 2026. As of June 30, 2026, total available liquidity was $2.4 billion or 190.8% of uninsured deposits, net of collateralized and fiduciary deposits. Total available liquidity is comprised of $525 million of on-balance sheet liquidity (cash and investment securities) and $1.9 billion of unused borrowing capacity. Asset Quality and Allowance for Credit Losses (ACL) As of June 30, 2026, the allowance for loan losses was $30.5 million or 1.43% of loans HFI, compared to $30.2 million or 1.41% of loans HFI as of March 31, 2026. The coverage ratio increased compared to the prior quarter primarily due to higher reserves on individually evaluated loans. Nonperforming assets were 1.50% of total assets as of June 30, 2026 compared to 1.60% as of March 31, 2026. The reserve for unfunded commitments was $0.5 million as of June 30, 2026, compared to $0.7 million as of March 31, 2026. At June 30, 2026, criticized loans totaled $58.0 million, or 2.72% of total loans, down from $68.3 million, or 3.19% of total loans at March 31, 2026, of which classified loans were $51.0 million and $59.5 million, respectively. The June 30, 2026 classified balance consisted of 47 loans: 36 real estate secured loans totaling $42.6 million and a 61.6% weighted-average LTV; and 11 commercial and industrial loans totaling $8.4 million. As of June 30, 2026, nonaccrual loans were $26.9 million. Specific reserves of $1.8 million were held against nonaccrual loan balances of $5.8 million. The remaining nonaccrual balances were supported by collateral values in excess of loan balances. As of June 30, 2026, nonperforming assets were $40.5 million, or 1.50% of total assets, a decrease of $2.6 million from $43.2 million, or 1.60% of total assets, at March 31, 2026, driven by a $7.7 million decrease in nonaccrual loans partially offset by a $5.1 million increase in other real estate owned. Capital Ratios (2) The Bank’s capital ratios were in excess of the levels established for “well capitalized” institutions and are as follows: (2) June 30, 2026 capital ratios are preliminary and subject to change. Private Bancorp of America, Inc. Announces Intent to Uplist to NASDAQ Global Market The Company has filed the Registration Statement with the U.S. Securities and Exchange Commission (the “SEC”) in connection with its planned uplisting of the Company’s common stock to NASDAQ. The Registration Statement has not been declared effective by the SEC. The Registration Statement will become effective following conclusion of the SEC’s review of the Registration Statement and approval by NASDAQ of our listing application. The Company’s common stock will continue to trade on the OTCQX market under the ticker symbol “PBAM” until the Company is able to uplist to NASDAQ. Subject to NASDAQ’s approval of our listing application, we will continue to trade under the ticker symbol “PBAM”. We expect the uplisting to occur, subject to the receipt of the requisite SEC and NASDAQ approvals, during third quarter of 2026. Share Repurchases Authorized During the quarter, the Company's Board of Directors authorized a stock repurchase program, whereby the Company may repurchase an aggregate amount of up to $10.0 million shares of its common stock, or approximately 2.3% of its outstanding shares of common stock. To date, no shares of the Company’s common stock were repurchased under the plan. About Private Bancorp of America, Inc. (OTCQX: PBAM) PBAM is the holding company for CalPrivate Bank, which operates offices in Coronado, San Diego, La Jolla, Newport Beach, El Segundo, Beverly Hills, and Montecito, as well as through efficient digital banking services. CalPrivate Bank is driven by its core values of building client Relationships based on superior funding Solutions, unparalleled Service, and mutual Trust. The Bank caters to high-net-worth individuals, professionals, closely held businesses, and real estate entrepreneurs, delivering a Distinctly Different® personalized banking experience while leveraging cutting-edge technology to enhance our clients’ evolving needs. CalPrivate Bank is in the top tier of customer service survey ratings in the nation, scoring almost 3x higher than the median domestic bank. The Bank offers comprehensive deposit and treasury services, rapid and creative loan options including various portfolio and government-guaranteed lending programs, and innovative, unique technologies that drive enhanced client performance. CalPrivate Bank has been recognized by Bank Director's RankingBanking® as the 10th best bank in the country and the #1 bank in its asset class for both return on assets (ROA) and return on equity (ROE). CalPrivate Bank was also ranked in the top 5% of banks in the U.S. with assets between $2B and $10B by American Banker. Additionally, CalPrivate Bank is a Bauer Financial 5-star rated bank, an SBA Preferred Lender, and has been honored as Community Bank 504 Lender of the Year by the NADCO Community Impact Awards, exemplifying excellence in the banking industry. These prestigious rankings highlight the Bank’s commitment to delivering exceptional banking services and setting new industry standards. CalPrivate Bank’s website is www.calprivate.bank. Non-GAAP Financial Measures This press release contains certain non-GAAP financial measures in addition to results presented in accordance with GAAP, including efficiency ratio, pretax pre-provision net revenue, average tangible common equity, tangible book value per share and return on average tangible common equity. The Company uses certain non-GAAP financial measures to provide meaningful supplemental information regarding the Company's results of operations and financial condition and to enhance investors’ overall understanding of such results of operations and financial condition, to permit investors to effectively analyze financial trends of our business activities, and to enhance comparability with peers across the financial services sector. These non-GAAP financial measures should be considered in addition to, not as a substitute for or superior to, financial measures prepared in accordance with GAAP and should be read in conjunction with the Company’s GAAP financial information. A reconciliation of the most comparable GAAP financial measures to non-GAAP financial measures is included in the accompanying financial tables. Investor Relations Contacts Rick SowersPresident and Chief Executive OfficerPrivate Bancorp of America, Inc., and CalPrivate Bank(424) 303-4894 Cory StewartExecutive Vice President and Chief Financial OfficerPrivate Bancorp of America, Inc., and CalPrivate Bank(206) 293-3669 Forward-Looking Statements This communication contains expressions of expectations, both implied and explicit, that are “forward-looking statements” within the meaning of such term in the Private Securities Litigation Reform Act of 1995. We caution you that a number of important factors could cause actual results to differ materially from those in the forward-looking statements. These factors include the effects of depositors withdrawing funds unexpectedly, counterparties being unable to provide liquidity sources that we believe should be available, loan losses, economic conditions and competition in the geographic and business areas in which the Company operates, including competition in lending and deposit acquisition, the unpredictability of fee income from participation in SBA loan programs, liquidations and mergers in our markets and nationally, our ability to successfully integrate and develop business through the addition of new personnel, whether our efforts to expand loan, product and service offerings will prove profitable, system failures and data security, whether we can effectively secure and implement new technology solutions, inflation, fluctuations in interest rates, legislation and governmental regulation, and the risk that the Company may not be able to complete its uplisting to NASDAQ. You should not place undue reliance on forward-looking statements, and we undertake no obligation to update those statements whether as a result of changes in underlying factors, new information, future events or otherwise. These factors could cause actual results to differ materially from what we anticipate or project. You should not place undue reliance on any such forward-looking statement, which speaks only as of the date on which it was made. Although we believe in good faith the assumptions and bases supporting our forward-looking statements to be reasonable, there can be no assurance that those assumptions and bases will prove accurate. (1) Non-GAAP measure. See GAAP to non-GAAP Reconciliation table. (1) Non-GAAP measure. See GAAP to non-GAAP Reconciliation table. PRIVATE BANCORP OF AMERICA, INC.(Unaudited) The following tables present a reconciliation of non-GAAP financial measures to GAAP measures for: efficiency ratio, pretax pre-provision net revenue, average tangible common equity, tangible book value per share and return on average tangible common equity. We believe the presentation of certain non-GAAP financial measures provides useful information to assess our consolidated financial condition and consolidated results of operations and to assist investors in evaluating our financial results relative to our peers. These non-GAAP financial measures complement our GAAP reporting and are presented below to provide investors and others with information that we use to manage the business each period. Because not all companies use identical calculations, the presentation of these non-GAAP financial measures may not be comparable to other similarly titled measures used by other companies. These non-GAAP measures should be taken together with the corresponding GAAP measures and should not be considered a substitute for the GAAP measures.

The market expects Private Bancorp of America, Inc. (PBAM) to deliver a year-over-year decline in earnings on higher revenues when it reports results for the quarter ended December 2025. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates. The earnings report might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise. This company is expected to post quarterly earnings of $1.79 per share in its upcoming report, which represents a year-over-year change of -1.7%. Revenues are expected to be $32.5 million, up 10.7% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 1.85% higher over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that the direction of estimate revisions by each of the covering analysts may not always get reflected in the aggregate change. Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only. A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP. Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell). For Private Bancorp of America, the Most Accurate Estimate is lower than the Zacks Consensus Estimate, suggesting that analysts have recently become bearish on the company's earnings prospects. This has resulted in an Earnings ESP of -2.79%. On the other hand, the stock currently carries a Zacks Rank of #2. So, this combination makes it difficult to conclusively predict that Private Bancorp of America will beat the consensus EPS estimate. Analysts often consider to what extent a company has been able to match consensus estimates in the past while calculating their estimates for its future earnings. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number. For the last reported quarter, it was expected that Private Bancorp of America would post earnings of $1.81 per share when it actually produced earnings of $1.65, delivering a surprise of -8.84%. Over the last four quarters, the company has beaten consensus EPS estimates two times. An earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss. That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported. Private Bancorp of America doesn't appear a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release. Another stock from the Zacks Banks - Southwest industry, First Horizon National (FHN), is soon expected to post earnings of $0.46 per share for the quarter ended December 2025. This estimate indicates a year-over-year change of +7%. Revenues for the quarter are expected to be $862.19 million, up 18.3% from the year-ago quarter. Over the last 30 days, the consensus EPS estimate for First Horizon has been revised 3.1% up to the current level. Nevertheless, the company now has an Earnings ESP of +0.76%, reflecting a higher Most Accurate Estimate. This Earnings ESP, combined with its Zacks Rank #2 (Buy), suggests that First Horizon will most likely beat the consensus EPS estimate. The company beat consensus EPS estimates in each of the trailing four quarters. Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Private Bancorp of America, Inc. (PBAM) : Free Stock Analysis Report First Horizon Corporation (FHN) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Private Bancorp of America, Inc. (PBAM) came out with quarterly earnings of $1.77 per share, missing the Zacks Consensus Estimate of $1.79 per share. This compares to earnings of $1.35 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of -1.12%. A quarter ago, it was expected that this company would post earnings of $1.66 per share when it actually produced earnings of $1.8, delivering a surprise of +8.43%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. Private Bancorp of America, which belongs to the Zacks Banks - Southwest industry, posted revenues of $31.84 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 4.40%. This compares to year-ago revenues of $26.21 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Private Bancorp of America shares have lost about 0.4% since the beginning of the year versus the S&P 500's gain of 6.5%. While Private Bancorp of America has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Private Bancorp of America was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #1 (Strong Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.76 on $30.9 million in revenues for the coming quarter and $6.98 on $122.1 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southwest is currently in the top 17% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. Another stock from the same industry, Prosperity Bancshares (PB), has yet to report results for the quarter ended June 2025. The results are expected to be released on July 23. This financial holding company is expected to post quarterly earnings of $1.40 per share in its upcoming report, which represents a year-over-year change of +14.8%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. Prosperity Bancshares' revenues are expected to be $312.71 million, up 2.6% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Private Bancorp of America, Inc. (PBAM) : Free Stock Analysis Report Prosperity Bancshares, Inc. (PB) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

First Horizon National (FHN) came out with quarterly earnings of $0.45 per share, beating the Zacks Consensus Estimate of $0.41 per share. This compares to earnings of $0.36 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +9.76%. A quarter ago, it was expected that this bank holding company would post earnings of $0.4 per share when it actually produced earnings of $0.42, delivering a surprise of +5%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. First Horizon, which belongs to the Zacks Banks - Southwest industry, posted revenues of $834 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 0.89%. This compares to year-ago revenues of $815 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. First Horizon shares have added about 5.4% since the beginning of the year versus the S&P 500's gain of 6.2%. While First Horizon has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for First Horizon was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.43 on $845.07 million in revenues for the coming quarter and $1.71 on $3.33 billion in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southwest is currently in the top 17% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. One other stock from the same industry, Private Bancorp of America, Inc. (PBAM), is yet to report results for the quarter ended June 2025. This company is expected to post quarterly earnings of $1.79 per share in its upcoming report, which represents a year-over-year change of +32.6%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. Private Bancorp of America, Inc.'s revenues are expected to be $30.5 million, up 16.4% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report First Horizon Corporation (FHN) : Free Stock Analysis Report Private Bancorp of America, Inc. (PBAM) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

BOK Financial (BOKF) is expected to deliver a year-over-year decline in earnings on higher revenues when it reports results for the quarter ended June 2025. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The earnings report, which is expected to be released on July 21, might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While management's discussion of business conditions on the earnings call will mostly determine the sustainability of the immediate price change and future earnings expectations, it's worth having a handicapping insight into the odds of a positive EPS surprise. This Regional banking operator is expected to post quarterly earnings of $1.98 per share in its upcoming report, which represents a year-over-year change of -2%. Revenues are expected to be $517.95 million, up 4.4% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 0.96% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that the direction of estimate revisions by each of the covering analysts may not always get reflected in the aggregate change. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only. A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP. Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell). For BOK Financial, the Most Accurate Estimate is lower than the Zacks Consensus Estimate, suggesting that analysts have recently become bearish on the company's earnings prospects. This has resulted in an Earnings ESP of -0.17%. On the other hand, the stock currently carries a Zacks Rank of #3. So, this combination makes it difficult to conclusively predict that BOK Financial will beat the consensus EPS estimate. Analysts often consider to what extent a company has been able to match consensus estimates in the past while calculating their estimates for its future earnings. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number. For the last reported quarter, it was expected that BOK Financial would post earnings of $2.01 per share when it actually produced earnings of $1.86, delivering a surprise of -7.46%. Over the last four quarters, the company has beaten consensus EPS estimates three times. An earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss. That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported. BOK Financial doesn't appear a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release. Private Bancorp of America, Inc. (PBAM), another stock in the Zacks Banks - Southwest industry, is expected to report earnings per share of $1.79 for the quarter ended June 2025. This estimate points to a year-over-year change of +32.6%. Revenues for the quarter are expected to be $30.5 million, up 16.4% from the year-ago quarter. The consensus EPS estimate for Private Bancorp of America has remained unchanged over the last 30 days. However, a lower Most Accurate Estimate has resulted in an Earnings ESP of -2.79%. This Earnings ESP, combined with its Zacks Rank #2 (Buy), makes it difficult to conclusively predict that Private Bancorp of America will beat the consensus EPS estimate. The company beat consensus EPS estimates in each of the trailing four quarters. Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report BOK Financial Corporation (BOKF) : Free Stock Analysis Report Private Bancorp of America, Inc. (PBAM) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research