Latest news with #regionalbanks
Bloomberg
08-08-2025
- Business
- Bloomberg
Japan Regulator Urges Regional Banks to Brace for Deposit Fight
By and Nao Sano Save The new chief of Japan's financial regulator has a message for regional banks: don't rely on rising interest rates to fix your problems. Local lenders have been counting on last year's scrapping of negative rates to help turn them around, blaming the policy for crushing profitability. But the new era of higher rates will spark fresh competition for depositors at a time when technology is transforming the industry, according to Financial Services Agency Commissioner Yutaka Ito.
Bloomberg
05-08-2025
- Business
- Bloomberg
Banks Piling Up at the Same Size Are Ripe for a Merger Wave
For years, US regional banks have operated under a paradox. Like all companies, they need growth to survive and want to do so predictably. Every billion dollars in new assets directly pads the bottom line. But the post-2008 regulatory crackdown designed to make banking safer has also made the slow-growth strategy trickier. The moment a bank tiptoes across a key threshold like $100 billion or $250 billion in assets, more compliance costs kick in, potentially weighing on new revenue growth for years. Alternatively, banks can catapult past each regulatory asset threshold, typically through a merger or acquisition. A $90 billion bank joins forces with an $80 billion one, hopefully creating an institution that's big enough and profitable enough to justify the new costs. 'The basic premise is you'd rather leap across than crawl across,' says Gregory Lyons, a corporate partner specializing in financial institutions at the law firm Debevoise & Plimpton. 'You don't want to be the bank that has $250.1 billion. Because then you get all the regulatory burdens but not the scale.'
Yahoo
27-07-2025
- Business
- Yahoo
Merchants Bancorp (MBIN) To Report Earnings Tomorrow: Here Is What To Expect
Diversified bank holding company Merchants Bancorp (NASDAQCM:MBIN) will be reporting results this Monday after market close. Here's what to look for. Merchants Bancorp missed analysts' revenue expectations by 12.7% last quarter, reporting revenues of $145.9 million, down 13.1% year on year. It was a disappointing quarter for the company, with a significant miss of analysts' net interest income estimates and a significant miss of analysts' EPS estimates. Is Merchants Bancorp a buy or sell going into earnings? Read our full analysis here, it's free. This quarter, analysts are expecting Merchants Bancorp's revenue to be flat year on year at $159.2 million, slowing from the 17.7% increase it recorded in the same quarter last year. Adjusted earnings are expected to come in at $1.12 per share. Analysts covering the company have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Merchants Bancorp has missed Wall Street's revenue estimates three times over the last two years. Looking at Merchants Bancorp's peers in the regional banks segment, some have already reported their Q2 results, giving us a hint as to what we can expect. Atlantic Union Bankshares delivered year-on-year revenue growth of 86.2%, beating analysts' expectations by 12.5%, and Seacoast Banking reported revenues up 19.6%, topping estimates by 5%. Atlantic Union Bankshares traded down 1.9% following the results while Seacoast Banking's stock price was unchanged. Read our full analysis of Atlantic Union Bankshares's results here and Seacoast Banking's results here. There has been positive sentiment among investors in the regional banks segment, with share prices up 4% on average over the last month. Merchants Bancorp is up 3.9% during the same time and is heading into earnings with an average analyst price target of $41 (compared to the current share price of $34.69). Unless you've been living under a rock, it should be obvious by now that generative AI is going to have a huge impact on how large corporations do business. While Nvidia and AMD are trading close to all-time highs, we prefer a lesser-known (but still profitable) semiconductor stock benefiting from the rise of AI. Click here to access our free report on our favorite semiconductor growth story. StockStory is growing and hiring equity analyst and marketing roles. Are you a 0 to 1 builder passionate about the markets and AI? See the open roles here. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Bloomberg
25-07-2025
- Business
- Bloomberg
Pinnacle Deal With Synovus Sparks Questions on Talent Retention
Pinnacle Financial Partners Inc., which has had success luring talent from rivals disrupted by mergers in recent years, raised similar concerns about its own prospects after announcing the biggest regional bank deal so far this year. Shares of Pinnacle had been one of the best performers among regional banks in the US. But the stock tumbled Friday on news that the company had reached a deal to combine with Synovus Financial Corp. in an all-stock transaction valued at $8.6 billion.
Yahoo
23-07-2025
- Business
- Yahoo
The Bancorp (TBBK) To Report Earnings Tomorrow: Here Is What To Expect
Financial services company The Bancorp (NASDAQ:TBBK) will be announcing earnings results this Thursday after market close. Here's what you need to know. The Bancorp beat analysts' revenue expectations by 21.8% last quarter, reporting revenues of $175.4 million, up 41.7% year on year. It was a slower quarter for the company, with a significant miss of analysts' net interest income estimates and a miss of analysts' EPS estimates. Is The Bancorp a buy or sell going into earnings? Read our full analysis here, it's free. This quarter, analysts are expecting The Bancorp's revenue to grow 55.3% year on year to $193.3 million, improving from the 6.9% increase it recorded in the same quarter last year. Adjusted earnings are expected to come in at $1.28 per share. Analysts covering the company have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. The Bancorp has missed Wall Street's revenue estimates four times over the last two years. Looking at The Bancorp's peers in the regional banks segment, some have already reported their Q2 results, giving us a hint as to what we can expect. City Holding delivered year-on-year revenue growth of 6.3%, beating analysts' expectations by 3%, and Texas Capital Bank reported revenues up 15.2%, topping estimates by 2.7%. Texas Capital Bank traded up 4.8% following the results. Read our full analysis of City Holding's results here and Texas Capital Bank's results here. There has been positive sentiment among investors in the regional banks segment, with share prices up 8.2% on average over the last month. The Bancorp is up 28.3% during the same time and is heading into earnings with an average analyst price target of $61 (compared to the current share price of $68.71). Unless you've been living under a rock, it should be obvious by now that generative AI is going to have a huge impact on how large corporations do business. While Nvidia and AMD are trading close to all-time highs, we prefer a lesser-known (but still profitable) semiconductor stock benefiting from the rise of AI. Click here to access our free report on our favorite semiconductor growth story. StockStory is growing and hiring equity analyst and marketing roles. Are you a 0 to 1 builder passionate about the markets and AI? See the open roles here. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
