| Below is an important message from one of our highly valued sponsors. Please read it carefully as they have some special information to share with you. WHITE HOUSE INSIDER BUCK SEXTON: Dear Reader, I just returned from a private interview at the Biltmore hotel… See, I have had direct access to top-level defense and national security officials… Pete Hegseth, Tulsi Gabbard, Marco Rubio and others… Which is why I was recently invited to a sit-down meeting with President Trump and Vice President Vance inside the West Wing of the White House. And what I learned gave me the chills… That's why, today, I've decided to give a rare interview breaking down something I believe every American needs to hear – especially investors. It's not about tariffs, crypto, or the Fed. Or anything else you're hearing about ad nauseam from the mainstream press right now. It's about a radical move I believe Trump is going to make as soon as October 15 – one that could shock the world. Because I believe it could single-handedly reshape the global order… dramatically increase U.S. power… and trigger a massive American market boom the likes of which we haven't seen in 75 years. President Trump himself said this is all about one thing… Igniting what he calls "the most extraordinary boom the world has ever seen." This is a rare opportunity, folks. And I'm bringing it to you on a silver platter… long before anyone else gets wind of it. Take it while you can. Because once this story and opportunity hits the mainstream, it could be too late to act. You deserve this… Sincerely, Buck Sexton This ad is sent on behalf of Paradigm Press, LLC, at 1001 Cathedral St., Baltimore, MD 21201. Today's editorial pick for you Bank Earnings Preview: The Goldilocks Rate AdvantagePosted On Oct 13, 2025 by Chris Markoch ![]() Financial stocks have been some of the best-performing stocks in 2025. A key metric for banks is net interest income (NII). Despite three rate cuts totaling 100 basis points (1%) since the end of 2024, interest rates are still around 4%. The health of bank earnings is closely tied to these rates. That's not high to investors who remember when getting a mortgage for around 8% was a steal. But to an entire generation of investors that were accustomed to interest rates around 0% to 1%, it's downright prohibitive. This is significant because the overall performance of bank earnings impacts investor confidence. However, for banks and other financial institutions, higher interest rates mean higher net interest income (NII). This is the difference between the interest income earned from interest-generating assets and the interest expenses incurred on interest-bearing liabilities, directly influencing bank earnings. Even the most optimistic Fed watchers believe the most the Fed will cut for the remainder of 2025 is 50 basis points. And the CME Fed Watch Tool leaves a range of options open for interest rates by the end of 2026. But the highest percentage puts rates right around 3%. That's a far cry from near 0%, and it puts interest rates in a sweet spot for the big banks and investors. These banks are likely to post strong revenue and earnings numbers in the current quarter and should provide optimistic guidance for 2026. With the government shutdown delaying key economic reports, investors will look to the banks as a proxy for data about the health of the consumer and the broader economy. Here are three bank stocks that are likely to get earnings season off to a strong start. The Gold Standard in Banking and AI InnovationJPMorgan Chase & Co. (NYSE: JPM) is an ideal choice for investors who believe in buying best-in-class stocks in every category. The company is expected to deliver a beat-and-raise quarter, and the bank's chief executive officer (CEO), Jamie Dimon, is one of the most highly respected voices when it comes to his insights into the broader economy. Investors are also likely to hear more about the company's progress in becoming the first AI-assisted global bank. The bank recently launched its LLM Suite, which applies custom AI models to areas such as fraud detection and wealth management. Ironically, JPMorgan's NII came up short in its most recent earnings report. That may be the case again since this quarter comes after the Fed cut rates by 25 basis points. However, that shouldn't discourage investors. Despite trading near its consensus price target and its 52-week high, JPM stock has been getting bullish upgrades ahead of its October 14 earnings report. Understanding the Impact of Bank EarningsValue Opportunity with Earnings Growth AheadCitigroup Inc. (NYSE: C) is another one of the "big banks" that is expected to post higher revenue from investment banking and trading revenue. On the guidance front, investors will pay close attention to what the bank reports on consumer delinquencies in auto and student loans. Both of these may be impacted by a more protracted government shutdown. The bank has made headlines for the anticipated debut of its institutional cryptocurrency custody platform in 2026. That may excite growth investors. However, Citigroup stock has a bullish setup for value investors. The stock has a price-to-earnings (P/E) ratio of around 14x and a forward P/E ratio of around 12. That puts it at a slight discount to its historical average. However, analysts estimate the bank to increase earnings by approximately 25.5% in the next 12 months. That's a signal that the stock should command a higher multiple..Analysts agree and have been significantly increasing the stock's price targets before earnings. Capital Markets Momentum Meets CautionGoldman Sachs (NYSE: GS) is the last of this trio of bank stocks reporting on October 14. Like JPMorgan and Citigroup, the investment bank is expected to deliver a beat-and-raise quarter. However, investors will be keenly interested to hear what the bank has to say about the current government shutdown as it relates to the bank's merger & acquisition (M&A) and initial public offering (IPO) business. The company has been profiting from a surge in this space. But the uncertainty caused by the shutdown is putting a hold on this activity. That could weigh on the company's near-term results. For now, that's not reflected in analysts' forecasts. They are raising their price targets, which suggests that there's more upside to come for Goldman Sachs. This is a PAID ADVERTISEMENT provided to the subscribers of StockEarnings Free Newsletter. Although we have sent you this email, StockEarnings does not specifically endorse this product nor is it responsible for the content of this advertisement. Furthermore, we make no guarantee or warranty about what is advertised above. Your privacy is very important to us, if you wish to be excluded from future notices, do not reply to this message. Instead, please click Unsubscribe. StockEarnings, Inc
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