Ally - ALY

에 대한 최신 뉴스 Ally Financial (NYSE:ALLY) 주식

Ally Financial

Formerly the captive financial arm of General Motors, Ally Financial became an independent publicly traded firm in 2014 and is one of the largest consumer auto lenders in the country. While the firm has expanded its product offerings over time, it remains primarily focused on auto lending with more than 70% of its loan book in consumer auto loans and dealer financing. Ally also offers auto insurance, commercial loans, credit cards, and holds a portfolio of mortgage debt, giving the bank a diversified business model, which includes brokerage services.

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ALLY

FCNCA

FITB

HBAN

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SCHW

WTFC

트루이스트 증권의 애널리스트들은 24개의 대형은행, 지역은행, 신탁은행과 신용카드 회사에 대한 커버리지를 개시했다. 이들은 향후 2년간 강력한 수익 성장을 예상하며 대출 성장률 개선, 가파른 수익률 곡선, 충분한 자본 확충 등의 요인에 힘입어 연간 12~15%의 수익 증가를 예상하고 있다.

트루이스트: 2025년 수익률 곡선 정상화, 저렴한 가치평가, EPS 성장 속 은행주 상승할 것

Asset Sales

AMCR

BERY

GOOGL

NISTF

SBUX

SNDR

스톨리 그룹(Stoli Group)의 미국 사업 부문이 챕터 11 파산 보호 신청을 추진하고 있다. 이 회사는 11월 27일 텍사스 북부지방법원에 파산 신청서를 신청했다.

딜 디스패치: 스톨리 미국 사업부 파산 보호 신청, 앨리 파이낸셜 신용카드 부문 매각 계획

Large Cap

Movers

ADBE

BEKE

MRNA

RYAAY

이들 10개 대형주는 지난주 최악의 성과를 거두었다. 그것들이 당신의 포트폴리오에 있나요? 1. 렌토킬 이니셜(NYSE:RTO)의 주가가 19.65% 급락했다. 이는 회사가 2024 회계연도 하반기 가이던스를 수정한 후 발생한 일이다.

모더나, 타이슨 푸드 및 어도비는 지난주 최악의 성과를 보인 10개 대형주 중 일부 (9월 8일-9월 14일)

Ally Financial Inc

<figure class="wp-block-image aligncenter size-large"><img loading="lazy" decoding="async" width="1024" height="582" src="https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012248/Carvana-Hindenburg-1024x582.jpg" alt="" class="wp-image-6165" srcset="https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012248/Carvana-Hindenburg-1024x582.jpg 1024w,https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012248/Carvana-Hindenburg-300x171.jpg 300w,https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012248/Carvana-Hindenburg-768x436.jpg 768w,https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012248/Carvana-Hindenburg.jpg 1200w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
<h2 class="wp-block-heading">Hindenburg Bows Out</h2>
Last month, Nate Anderson, the founder of the famous short sellers Hindenburg Research,&nbsp;<a href="https://hindenburgresearch.com/gratitude/">announced</a>&nbsp;his decision to close shop. A couple of weeks earlier, his firm had announced what appears to have been its last short position, a bet against&nbsp;Carvana, Co.&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CVNA#NYSE">CVNA</a>).&nbsp;
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true"><a href="https://twitter.com/search?q=%24CVNA&amp;src=ctag&amp;ref_src=twsrc%5Etfw">$CVNA</a> is a $44 billion online car dealer founded in 2012. Its main business is an online platform that allows retail customers to buy and sell used cars. (2/x) <a href="https://t.co/oTREKhX85u">pic.twitter.com/oTREKhX85u</a>
&mdash; Hindenburg Research (@HindenburgRes) <a href="https://twitter.com/HindenburgRes/status/1874833532641788012?ref_src=twsrc%5Etfw">January 2, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
In the first two posts of their fifty-one post X thread, Hindenburg described Carvana as &#8220;a father-son grift for the ages&#8221; and a &#8220;$44 billion online car dealer founded in 2012.&#8221;
Today it&#8217;s a $60 billion online car dealer, and we exited a bullish bet on it for a 193% gain. Here&#8217;s how.&nbsp;
<h2 class="wp-block-heading">The Gist Of Hindenburg&#8217;s Bearish Thesis</h2>
The gist of Hindenburg&#8217;s bearish thesis was that some past accounting irregularities at the company might&nbsp;jeopardize the company&#8217;s ability to get financing in the future. The day after Hindenburg&#8217;s short call, on January 3rd, the stock dropped 11.22%, to close at $177.16.&nbsp;
<figure class="wp-block-image aligncenter size-full"><img loading="lazy" decoding="async" width="800" height="335" src="https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012601/CVNA-Chart.jpg" alt="" class="wp-image-6166" srcset="https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012601/CVNA-Chart.jpg 800w,https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012601/CVNA-Chart-300x126.jpg 300w,https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012601/CVNA-Chart-768x322.jpg 768w" sizes="(max-width: 800px) 100vw, 800px" /></figure>
<h2 class="wp-block-heading">Why We Were Bullish On Carvana On January 7th</h2>
Two reasons.
The first was Carvana was a Portfolio Armor top ten name. Since December of 2022, our top ten names have returned 19.55%, on average, over the next six months, versus an average of 12.45% for the SPDR S&amp;P 500 Trust (SPY). 
And the second reason was that the day before, Hindenburg&#8217;s bearish thesis had been effectively invalidated, when Ally Financial, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>) renewed its financing deal with the company. 
We mentioned both of those factors in&nbsp;<a href="https://portfolioarmor.substack.com/p/trade-alert-top-names-buying-the">our trade alert</a>&nbsp;on January 7th:&nbsp;
<figure class="wp-block-image aligncenter size-full"><a href="https://portfolioarmor.substack.com/p/trade-alert-top-names-buying-the"><img loading="lazy" decoding="async" width="922" height="813" src="https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012643/Trade-Alert.jpg" alt="" class="wp-image-6167" srcset="https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012643/Trade-Alert.jpg 922w,https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012643/Trade-Alert-300x265.jpg 300w,https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012643/Trade-Alert-768x677.jpg 768w" sizes="(max-width: 922px) 100vw, 922px" /></a></figure>
<h2 class="wp-block-heading">Structuring The Trade</h2>
Since the next catalyst on the calendar was Carvana&#8217;s earnings release on February 19th, we looked at the closest options expiration date after that, which was February 21st. To avoid implied volatility crush, we decided to use a vertical call spread. We looked at both Portfolio Armor&#8217;s expected return for CVNA, as well as the at-the-money straddle before selecting strike prices.&nbsp;
The trade we settled on was a vertical spread expiring on February 21st, buying the $220 strike calls, and selling the $230 strike calls. We entered that trade for a net debit of $3.32 on January 7th.&nbsp;
<h2 class="wp-block-heading">Exiting The Trade&nbsp;</h2>
The maximum possible gain on a vertical spread like this is the difference between the strikes. In this case: $230 &#8211; $220 = $10. That occurs when the stock is trading above your higher strike, close to expiration. That&#8217;s when your short call leg (the one you have to buy back) has the least time value.&nbsp;
We held the trade through Carvana&#8217;s earnings report after the close on Wednesday. The stock dropped about 12% after its earnings miss, but it was still well above our higher strike on Thursday morning. We ended up exiting at a net credit of $9.74, for a 193% gain.&nbsp;
<ul>
<li>Call spread on Carvana (<a href="https://substack.com/discover/stocks/CVNA" target="_blank" rel="noreferrer noopener">CVNA 3.52%↑</a>). Entered at a net debit of $3.32 on 1/7/2025; exited at a net credit of $9.74 on <a href="https://portfolioarmor.substack.com/p/trade-alert-top-names-buying-the/comment/94868655" target="_blank" rel="noreferrer noopener">2/20/2025</a>. Profit: 193%.</li>
</ul>
<h2 class="wp-block-heading">The Takeaway</h2>
Trading doesn&#8217;t have to be complicated. Our bullish thesis on Carvana was a lot shorter than Hindenburg&#8217;s bearish thesis:&nbsp;
<ul>
<li>A reliable indicator (our system&#8217;s top ten names) was bullish on Carvana.</li>
<li>Ally Financial renewing Carvana&#8217;s financing deal invalidated Hindenburg&#8217;s short thesis.&nbsp;</li>
</ul>
If you would like a heads up when we enter our next trade, you can sign up to our trading Substack/occasional email list below.&nbsp;And if you want to add some downside protection here, you can download the Portfolio Armor optimal hedging app by aiming your iPhone camera at the QR code below (or by&nbsp;<a href="https://apps.apple.com/us/app/portfolio-armor/id394951144">tapping here</a>, if you&#8217;re reading this on your phone).&nbsp;
<figure class="wp-block-image size-full"><a href="https://apps.apple.com/us/app/portfolio-armor/id394951144"><img loading="lazy" decoding="async" width="200" height="197" src="https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012755/QR-Code-2-1.jpg" alt="" class="wp-image-6168" /></a></figure>
If you&#8217;d like to stay in touch
You can scan for optimal hedges for individual securities, find our current top ten names, and&nbsp;create hedged portfolios&nbsp;on&nbsp;<a href="https://portfolioarmor.com/">our website</a>.&nbsp;You can also follow Portfolio Armor on X&nbsp;<a href="https://twitter.com/portfolioarmor">here</a>, or become a free subscriber to <a href="https://portfolioarmor.substack.com/">our trading Substack</a> using the link below (we&#8217;re using that for our occasional emails now).
<figure class="wp-block-image aligncenter size-full"><a href="https://portfolioarmor.substack.com/"><img loading="lazy" decoding="async" width="602" height="418" src="https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012948/Widget-1-1.jpg" alt="How we made a 193% gain fading the famous short sellers. " class="wp-image-6169" srcset="https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012948/Widget-1-1.jpg 602w,https://contributor-assets.benzinga.com/wp-content/uploads/2025/02/21012948/Widget-1-1-300x208.jpg 300w" sizes="(max-width: 602px) 100vw, 602px" /></a></figure>

CVNA

Betting Against Hindenburg On Carvana

Truist Securities analyst David Smith maintains Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>) with a Buy and raises the price target from $42 to $47.

Truist Securities Maintains Buy on Ally Financial, Raises Price Target to $47

Morgan Stanley analyst Betsy Graseck maintains Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>) with a Overweight and raises the price target from $41 to $45.

Morgan Stanley Maintains Overweight on Ally Financial, Raises Price Target to $45

JP Morgan analyst Richard Shane maintains Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>) with a Overweight and raises the price target from $40 to $43.

JP Morgan Maintains Overweight on Ally Financial, Raises Price Target to $43

RBC Capital analyst Karl Shepard maintains Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>) with a Outperform and raises the price target from $41 to $45.

RBC Capital Maintains Outperform on Ally Financial, Raises Price Target to $45

Goldman Sachs analyst Ryan Nash maintains Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>) with a Buy and raises the price target from $42 to $48.

Goldman Sachs Maintains Buy on Ally Financial, Raises Price Target to $48

Wells Fargo analyst Donald Fandetti maintains Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>) with a Underweight and raises the price target from $32 to $34.

Wells Fargo Maintains Underweight on Ally Financial, Raises Price Target to $34

In the latest quarter, 8 analysts provided ratings for Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>), showcasing a mix of bullish and bearish perspectives.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">2</td>
<td align="right">4</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts provide deeper insights through their assessments of 12-month price targets, revealing an average target of $45.12, a high estimate of $56.00, and a low estimate of $40.00. Surpassing the previous average price target of $41.14, the current average has increased by 9.67%.
<img src="https://www.benzinga.com/files/images/story/2025/1737637279_0.png" alt="price target chart" />
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
A comprehensive examination of how financial experts perceive Ally Financial is derived from recent analyst actions. The following is a detailed summary of key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>John Hecht</td>
<td>Jefferies</td>
<td>Raises</td>
<td>Hold</td>
<td>$40.00</td>
<td>$35.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$40.00</td>
<td>$42.00</td>
</tr>
<tr>
<td>David Smith</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Buy</td>
<td>$42.00</td>
<td>-</td>
</tr>
<tr>
<td>Jason Goldberg</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$44.00</td>
<td>$36.00</td>
</tr>
<tr>
<td>Betsy Graseck</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Overweight</td>
<td>$42.00</td>
<td>$41.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Overweight</td>
<td>$42.00</td>
<td>$40.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Outperform</td>
<td>$56.00</td>
<td>$44.00</td>
</tr>
<tr>
<td>Keith Horowitz</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Buy</td>
<td>$55.00</td>
<td>$50.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Ally Financial. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li>Rating: Delving into assessments, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings communicate expectations for the relative performance of Ally Financial compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of Ally Financial's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into Ally Financial's market standing. Stay informed and make well-considered decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/ALLY/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Ally Financial analyst ratings.</a>
<h2>Delving into Ally Financial's Background</h2>
Formerly the captive financial arm of General Motors, Ally Financial became an independent publicly traded firm in 2014 and is one of the largest consumer auto lenders in the country. While the firm has expanded its product offerings over time, it remains primarily focused on auto lending with more than 70% of its loan book in consumer auto loans and dealer financing. Ally also offers auto insurance, commercial loans, credit cards, and holds a portfolio of mortgage debt, giving the bank a diversified business model, which includes brokerage services.
<h3>Understanding the Numbers: Ally Financial's Finances</h3>
Market Capitalization Perspectives: The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.
Revenue Growth: Ally Financial's remarkable performance in 3 months is evident. As of 30 September, 2024, the company achieved an impressive revenue growth rate of 5.62%. This signifies a substantial increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: Ally Financial's net margin is impressive, surpassing industry averages. With a net margin of 14.39%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): The company's ROE is below industry benchmarks, signaling potential difficulties in efficiently using equity capital. With an ROE of 2.76%, the company may need to address challenges in generating satisfactory returns for shareholders.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.17%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: With a below-average debt-to-equity ratio of 1.48, Ally Financial adopts a prudent financial strategy, indicating a balanced approach to debt management.
<h2>What Are Analyst Ratings?</h2>
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;utm_source=benzinga-insights">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Forecasting The Future: 8 Analyst Projections For Ally Financial

Jefferies analyst John Hecht maintains Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>) with a Hold and raises the price target from $35 to $40.

Jefferies Maintains Hold on Ally Financial, Raises Price Target to $40

Tech stocks enjoyed a surge Wednesday, driven by a sharp rise in semiconductor shares after President Donald Trump, OpenAI's Sam Altman, Oracle Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ORCL#NYSE">ORCL</a>) co-founder Larry Ellison, and SoftBank CEO Masayoshi Son unveiled the <a href="https://www.benzinga.com/etfs/sector-etfs/25/01/43135764/trumps-500-billion-stargate-ai-plan-puts-3-etfs-in-focus">Stargate Project on Tuesday</a>.
The $500 billion initiative is set to develop AI infrastructure in the U.S. over the next four years.
According to OpenAI, &#8220;this infrastructure will secure American leadership in AI, create hundreds of thousands of American jobs, and generate massive economic benefit for the entire world.&#8221;
The iShares Semiconductor ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOXX#NASDAQ">SOXX</a>) was up 2.3% by midday trading in New York, eyeing their fourth straight positive session, the longest streak since late September. 
Yet, Tesla Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>)&#8217;s CEO Elon Musk questioned the financial viability, saying that founders &#8220;<a href="https://www.benzinga.com/markets/equities/25/01/43121798/elon-musk-says-project-stargate-doesnt-actually-have-the-money-after-trump-announces-500-billion-ai-investment-led-by-softbank-oracle-and-openai">don't actually have the money</a>.&#8221;
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">They don't actually have the money
&mdash; Elon Musk (@elonmusk) <a href="https://twitter.com/elonmusk/status/1881923570458304780?ref_src=twsrc%5Etfw">January 22, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
The earnings season continues to be off to a strong start, with companies surpassing fourth-quarter expectations, showcasing the resilience of corporate America. Netflix Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NFLX#NASDAQ">NFLX</a>) delivered a stronger-than-expected quarterly performance across the board, driving its shares up 12%.
Elsewhere, small caps paused for a breather following Tuesday&#8217;s outperformance vis-à-vis large-cap counterparts. 
Chinese stocks slipped, with the iShares China Large-Cap ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FXI#NYSE">FXI</a>) down 0.8%, after Trump floated the idea of imposing a 10% tariff on China starting from Feb. 1.
In commodities, gold prices surged to an 11-week-high, marking their tenth gain in the past eleven sessions, as investors flocked to safe-haven assets amid rising geopolitical risks.
On Wednesday, Trump warned Russian President Vladimir Putin of potential new sanctions if a peace deal for Ukraine is not reached. Meanwhile, oil prices remained flat after three consecutive sessions of losses.
In the crypto market, selling pressure is mounting as traders react to the absence of crypto-related commentary from the new administration, which had previously positioned itself as crypto-friendly. Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) retreated nearly 2% to $104,000.
<h3 class="wp-block-heading">Wednesday&#8217;s Performance In Major US Indices, ETFs</h3>
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Major Indices</td>
<td>Price</td>
<td>1-day %chg</td>
</tr>
<tr>
<td>Nasdaq 100</td>
<td>21,933.62</td>
<td>1.7%</td>
</tr>
<tr>
<td>S&amp;P 500</td>
<td>6,103.81</td>
<td>0.9%</td>
</tr>
<tr>
<td>Dow Jones</td>
<td>44,173.70</td>
<td>0.3%</td>
</tr>
<tr>
<td>Russell 2000</td>
<td>2,307.01</td>
<td>-0.5%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Updated at 12:30 p.m. ET</figcaption></figure>
According to&nbsp;<a href="https://bzresearch.myclickfunnels.com/benzinga-pro-content-webinar-registration/?utm_source=BZprocontent012225&amp;t=be2bearmibe3na1" target="_blank" rel="noreferrer noopener">Benzinga Pro</a>&nbsp;data:
<ul>
<li>The&nbsp;SPDR S&amp;P 500 ETF Trust&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>) rose 0.8% to $602.64.</li>
<li>The&nbsp;SPDR Dow Jones Industrial Average&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DIA#NYSE">DIA</a>)&nbsp;inched 0.3% higher to $441.25.</li>
<li>The tech-heavy&nbsp;Invesco QQQ Trust Series&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QQQ#NASDAQ">QQQ</a>) rallied 1.6% to $533.22.</li>
<li>The&nbsp;iShares Russell 2000 ETF&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IWM#NYSE">IWM</a>) fell 0.5% to $228.56.</li>
<li>The&nbsp;Technology Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLK#NYSE">XLK</a>) rallied, up 2.4%; the&nbsp;Utilities Select Sector SPDR Fund&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLU#NYSE">XLU</a>) lagged, down 1.6%.</li>
</ul>
<h3 class="wp-block-heading">Wednesday&#8217;s Stock Movers</h3>
<ul>
<li>Oracle Corp. rallied 7% as reaction to the Stargate project. Arm Holdings plc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ARM#NASDAQ">ARM</a>) was the chipmaker&#8217;s top performer on Wednesday, up 14%. Nvidia Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>) rose over 4%. </li>
<li>Procter &amp; Gamble Co. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PG#NYSE">PG</a>) rose 2.8% in reaction to quarterly results beating Street&#8217;s estimates. </li>
<li>Other stocks reacting to company earnings include Interactive Brokers Group Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/IBKR#NASDAQ">IBKR</a>), up 8.8%, Capital One Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>), up 2.6%, United Airlines Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UAL#NASDAQ">UAL</a>), down 2%, Seagate Technology Holdings plc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/STX#NASDAQ">STX</a>), up 9%, Bank of America Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BAC#NYSE">BAC</a>), down 1.3%, Johnson &amp; Johnson (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JNJ#NYSE">JNJ</a>) down 3.4%, Abbott Laboratories (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ABT#NYSE">ABT</a>), up 2.2%, GE Vernova Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GEV#NYSE">GEV</a>), up 2.2%, Amphenol Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/APH#NYSE">APH</a>), up 6%, The Travelers Co. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TRV#NYSE">TRV</a>) up 3.8%, Halliburton Co. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HAL#NYSE">HAL</a>), down 1.3%, Ally Financials Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>), up 4.5%. </li>
<li>Major large-cap companies slated to report earnings after the close include Kinder Morgan Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMI#NYSE">KMI</a>), Discover Financial Services (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) and Steel Dynamics Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/STLD#NASDAQ">STLD</a>), </li>
</ul>
Now Read: 
<ul>
<li><a href="https://www.benzinga.com/news/global/25/01/43135622/coffee-prices-soar-to-record-highs-could-starbucks-face-margin-squeeze">Coffee Prices Soar To Record Highs: Could Starbucks Face Margin Squeeze?</a></li>
</ul>
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Chipmakers Rally On AI Stargate Bet, Netflix Soars, Bitcoin Falters As Trump Keeps Quiet On Crypto: What's Driving Markets Wednesday?

WIIM

Ally Financial shares are trading higher after the company reported better-than-expected Q4 financial results and announced it will divest its credit card unit to CardWorks.

Sale enables Ally to be more focused on its core businesses;&nbsp;acquisition enhances CardWorks' position as a leading credit card issuer and servicer

Ally Financial Divests Credit Card Unit To CardWorks In $2.3B Portfolio Deal

Earnings Beats

Ally Financial Q4 2024 Adj. EPS $0.78 Beats $0.58 Estimate, Sales $2.088B Beat $2.020B Estimate

<h3>Companies Reporting Before The Bell</h3>
• HDFC Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HDB#NYSE">HDB</a>) is projected to report quarterly earnings at $0.49 per share on revenue of $422.93 billion. 
• Travelers Companies (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TRV#NYSE">TRV</a>) is likely to report quarterly earnings at $6.61 per share on revenue of $10.80 billion. 
• Procter &amp; Gamble (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PG#NYSE">PG</a>) is projected to report quarterly earnings at $1.86 per share on revenue of $21.59 billion. 
• Comerica (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CMA#NYSE">CMA</a>) is projected to report quarterly earnings at $1.26 per share on revenue of $837.57 million. 
• GE Vernova (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GEV#NYSE">GEV</a>) is expected to report quarterly earnings at $2.37 per share on revenue of $10.70 billion. 
• Johnson &amp; Johnson (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JNJ#NYSE">JNJ</a>) is likely to report quarterly earnings at $2.02 per share on revenue of $22.45 billion. 
• Textron (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TXT#NYSE">TXT</a>) is likely to report quarterly earnings at $1.28 per share on revenue of $3.27 billion. 
• Teledyne Technologies (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TDY#NYSE">TDY</a>) is projected to report quarterly earnings at $5.23 per share on revenue of $1.45 billion. 
• TE Connectivity (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TEL#NYSE">TEL</a>) is projected to report quarterly earnings at $1.89 per share on revenue of $3.91 billion. 
• OFG Bancorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/OFG#NYSE">OFG</a>) is projected to report quarterly earnings at $0.96 per share on revenue of $176.15 million. 
• F N B (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FNB#NYSE">FNB</a>) is likely to report quarterly earnings at $0.33 per share on revenue of $408.00 million. 
• LG Display Co (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LPL#NYSE">LPL</a>) is projected to report quarterly earnings at $0.01 per share on revenue of $5.87 billion. 
• HBT Finl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HBT#NASDAQ">HBT</a>) is likely to report quarterly earnings at $0.58 per share on revenue of $57.48 million. 
• Halliburton (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HAL#NYSE">HAL</a>) is estimated to report quarterly earnings at $0.70 per share on revenue of $5.63 billion. 
• BankUnited (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BKU#NYSE">BKU</a>) is projected to report quarterly earnings at $0.72 per share on revenue of $261.25 million. 
• United Community Banks (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UCB#NYSE">UCB</a>) is likely to report earnings for its fourth quarter. 
• Abbott Laboratories (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ABT#NYSE">ABT</a>) is projected to report quarterly earnings at $1.34 per share on revenue of $11.04 billion. 
• Commerce Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CBSH#NASDAQ">CBSH</a>) is projected to report quarterly earnings at $0.89 per share on revenue of $417.18 million. 
• Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>) is expected to report quarterly earnings at $0.64 per share on revenue of $2.01 billion. 
• Amphenol (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/APH#NYSE">APH</a>) is expected to report quarterly earnings at $0.50 per share on revenue of $4.06 billion. 
<h3>Companies Reporting After The Bell</h3>
• Triumph Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TFIN#NASDAQ">TFIN</a>) is likely to report quarterly earnings at $0.25 per share on revenue of $108.44 million. 
• Steel Dynamics (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/STLD#NASDAQ">STLD</a>) is projected to report quarterly earnings at $1.63 per share on revenue of $3.98 billion. 
• Origin Bancorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/OBK#NYSE">OBK</a>) is likely to report quarterly earnings at $0.52 per share on revenue of $87.75 million. 
• Old Second Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/OSBC#NASDAQ">OSBC</a>) is likely to report quarterly earnings at $0.48 per share on revenue of $59.62 million. 
• Wesbanco (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WSBC#NASDAQ">WSBC</a>) is estimated to report quarterly earnings at $0.55 per share on revenue of $156.42 million. 
• First Internet (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/INBK#NASDAQ">INBK</a>) is expected to report quarterly earnings at $0.91 per share on revenue of $24.88 million. 
• NVE (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVEC#NASDAQ">NVEC</a>) is estimated to report earnings for its third quarter. 
• Univest Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UVSP#NASDAQ">UVSP</a>) is expected to report quarterly earnings at $0.57 per share on revenue of $73.45 million. 
• SL Green Realty (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SLG#NYSE">SLG</a>) is likely to report quarterly earnings at $1.53 per share on revenue of $156.30 million. 
• Cohen &amp; Steers (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CNS#NYSE">CNS</a>) is projected to report quarterly earnings at $0.81 per share on revenue of $140.72 million. 
• Kinder Morgan (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMI#NYSE">KMI</a>) is expected to report quarterly earnings at $0.33 per share on revenue of $4.13 billion. 
• Knight-Swift (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KNX#NYSE">KNX</a>) is projected to report quarterly earnings at $0.33 per share on revenue of $1.88 billion. 
• Equity Bancshares (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/EQBK#NYSE">EQBK</a>) is estimated to report quarterly earnings at $0.91 per share on revenue of $55.96 million. 
• RLI (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RLI#NYSE">RLI</a>) is expected to report quarterly earnings at $1.04 per share on revenue of $435.02 million. 
• CACI International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CACI#NYSE">CACI</a>) is expected to report quarterly earnings at $5.23 per share on revenue of $2.02 billion. 
• Eagle Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EGBN#NASDAQ">EGBN</a>) is estimated to report quarterly earnings at $0.49 per share on revenue of $74.67 million. 
• Hexcel (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HXL#NYSE">HXL</a>) is estimated to report quarterly earnings at $0.53 per share on revenue of $480.50 million. 
• National Bank Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NBHC#NYSE">NBHC</a>) is likely to report quarterly earnings at $0.79 per share on revenue of $107.38 million. 
• QCR Hldgs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QCRH#NASDAQ">QCRH</a>) is projected to report quarterly earnings at $1.73 per share on revenue of $96.56 million. 
• Cathay General (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CATY#NASDAQ">CATY</a>) is projected to report quarterly earnings at $1.09 per share on revenue of $185.11 million. 
• Bankwell Finl Gr (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BWFG#NASDAQ">BWFG</a>) is projected to report quarterly earnings at $0.65 per share on revenue of $22.12 million. 
• Third Coast Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TCBX#NASDAQ">TCBX</a>) is estimated to report quarterly earnings at $0.53 per share on revenue of $41.96 million. 
• Plexus (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PLXS#NASDAQ">PLXS</a>) is projected to report quarterly earnings at $1.55 per share on revenue of $980.53 million. 
• Live Oak Bancshares (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LOB#NYSE">LOB</a>) is expected to report quarterly earnings at $0.54 per share on revenue of $131.10 million. 
• Amerant Bancorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AMTB#NYSE">AMTB</a>) is expected to report quarterly earnings at $0.36 per share on revenue of $100.68 million. 
• Horizon Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HBNC#NASDAQ">HBNC</a>) is likely to report quarterly earnings at $0.37 per share on revenue of $62.78 million. 
• Cadence Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CADE#NYSE">CADE</a>) is expected to report quarterly earnings at $0.68 per share on revenue of $457.77 million. 
• Colony Bankcorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CBAN#NYSE">CBAN</a>) is projected to report quarterly earnings at $0.34 per share on revenue of $28.90 million. 
• Banner (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BANR#NASDAQ">BANR</a>) is estimated to report quarterly earnings at $1.21 per share on revenue of $156.09 million. 
• Alcoa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AA#NYSE">AA</a>) is projected to report quarterly earnings at $0.91 per share on revenue of $3.29 billion. 
• Discover Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) is estimated to report quarterly earnings at $3.26 per share on revenue of $4.39 billion. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

AMTB

BANR

BWFG

CACI

CADE

CATY

CBAN

CBSH

EGBN

EQBK

HBNC

INBK

NBHC

NVEC

OSBC

PLXS

QCRH

TCBX

TFIN

UVSP

WSBC

Earnings Scheduled For January 22, 2025

JP Morgan analyst Richard Shane maintains Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>) with a Overweight and lowers the price target from $42 to $40.

JP Morgan Maintains Overweight on Ally Financial, Lowers Price Target to $40

Ally Financial's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>) short percent of float has fallen 8.82% since its last report. The company recently reported that it has 7.53 million shares sold short, which is 2.48% of all regular shares that are available for trading. Based on its trading volume, it would take traders 2.31 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock/">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest">List of the most shorted stocks</a>
<h3>Ally Financial Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1736448316_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for Ally Financial has declined since its last report. This does not mean that the stock is going to rise in the near-term but traders should be aware that less shares are being shorted.
<h3>Comparing Ally Financial's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://pro.benzinga.com/">Benzinga Pro</a>, Ally Financial's peer group average for short interest as a percentage of float is 6.81%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze/">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

Short Sellers

Short Ideas

Looking Into Ally Financial's Recent Short Interest

Regional banks still have room to run and thrive even as it is &#8220;easy to overstate the advantage&#8221; for big banks, says Truist Securities in its latest note, highlighting three key paths for regional banks to succeed.
What Happened: Big banks have clear economies of scale, and they have been re-rated relative to small banks with the top five U.S. banks holding about 47% market share for a decade. According to the Truist Securities note, dated Jan. 6, the big banks are in a better position, but at the same time, individual regionals can position themselves to thrive.
Truist initiated coverage on 14 regional financial companies outlining three key strategies relating to pace, magnitude, and quality for the regional banks to remain competitive.
<ul>
<li>Differentiated Growth: Focus on unique and sustainable growth opportunities via differentiated customer base, a different form of fee Income and a niche business with competitive moat. </li>
</ul>
<ul>
<li>Disciplined Capital Allocation: Efficiently deploy capital to support growth and enhance shareholder value.</li>
</ul>
<ul>
<li>Navigating the Evolving Landscape: Adapt to changing market conditions, including interest rates, yield curve shifts, loan and deposit growth, and commercial real estate market dynamics.&#8221;</li>
</ul>
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Regional Banks</td>
<td>Rating</td>
<td>Price Target</td>
</tr>
<tr>
<td>Fifth Third Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FITB#NASDAQ">FITB</a>)</td>
<td>Buy</td>
<td>$51</td>
</tr>
<tr>
<td>Huntington Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HBAN#NASDAQ">HBAN</a>)</td>
<td>Buy</td>
<td>$19</td>
</tr>
<tr>
<td>M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>)</td>
<td>Buy</td>
<td>$233</td>
</tr>
<tr>
<td>Wintrust Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WTFC#NASDAQ">WTFC</a>)</td>
<td>Buy</td>
<td>$151</td>
</tr>
<tr>
<td>Citizens Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>)</td>
<td>Hold</td>
<td>$49</td>
</tr>
<tr>
<td>Comerica Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CMA#NYSE">CMA</a>)</td>
<td>Hold</td>
<td>$65</td>
</tr>
<tr>
<td>First Citizens BancShares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FCNCA#NASDAQ">FCNCA</a>)</td>
<td>Hold</td>
<td>$2,303</td>
</tr>
<tr>
<td>KeyCorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KEY#NYSE">KEY</a>)</td>
<td>Hold</td>
<td>$19</td>
</tr>
<tr>
<td>Regions Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>)</td>
<td>Hold</td>
<td>$25</td>
</tr>
</tbody>
</table>
</figure>
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Cards</td>
<td>Rating</td>
<td>Price Target</td>
</tr>
<tr>
<td>Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>)</td>
<td>Buy</td>
<td>$42</td>
</tr>
<tr>
<td>American Express (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AXP#NYSE">AXP</a>)</td>
<td>Buy</td>
<td>$350</td>
</tr>
<tr>
<td>Capital One Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>)</td>
<td>Buy</td>
<td>$229</td>
</tr>
<tr>
<td>Discover Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>)</td>
<td>Buy</td>
<td>$233</td>
</tr>
<tr>
<td>Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>)</td>
<td>Hold</td>
<td>$72</td>
</tr>
</tbody>
</table>
</figure>
See Also: <a href="https://www.benzinga.com/general/market-summary/25/01/42867184/yield-curve-normalization-cheap-valuation-eps-growth-to-boost-banks-in-2025-truist-initiates-coverage-on-these-14-regional-names">Yield Curve Normalization, Cheap Valuation, EPS Growth To Boost Banks In 2025: Truist Initiates Coverage On These 14 Regional Names</a>
Why It Matters: The three listed key paths for regional banks and card companies to thrive can be differentiated and linked to the stocks as mentioned by Truist in their research note.
Differentiated Growth Stories
<ul>
<li>Differentiated Customer Base: American Express Co has an exclusive high-end customer base, which would require an investment of over $100 billion to replicate, according to Truist. On the other hand, Fifth Third Bancorp has a unique ability to organically build a strong deposit market share.</li>
</ul>
<ul>
<li>Differentiated Form of Fee Income: Capital One Financial Corp has seen an expansion of network revenues following the acquisition of Discover. While, KeyCorp&#8217;s leading regional investment banking franchise will be favored by given the potential for increased deal activity driven by the Federal Reserve&#8217;s interest rate cuts and anticipated political changes.</li>
</ul>
<ul>
<li>Niche Business with Competitive Moat: Wintrust Financial Corp secures a dominant position in the highly profitable insurance premium finance market. Whereas, Huntington Bancshares Inc&#8216;s differentiated approach, including its expansion into new lending areas, will support its continued strong performance in loan, deposit, and fee growth across high-quality markets.</li>
</ul>
Disciplined Capital Deployment
<ul>
<li>Another way in which the regional banks could thrive includes a disciplined capital deployment which typically follows organic growth first, followed by dividends and buybacks, and potentially mergers and acquisitions. However, the key lies not in the order itself, but in the flexibility and agility with which banks can adjust their capital allocation strategy in response to evolving company, industry, and macroeconomic conditions.</li>
</ul>
<ul>
<li>Truist believes some banks are attractively valued for share repurchases. M&amp;T Bank Corp&#8216;s CFO in a recent conference hinted at higher buybacks in 2025.</li>
</ul>
Navigating The Evolving Landscape
<ul>
<li>According to Truist, it&#8217;s not unusual for multiple challenges to arise simultaneously. The current environment has witnessed sluggish loan and deposit growth amidst rapid interest rate hikes. However, it is anticipated that at least some of these headwinds will begin to abate in the coming year, leading to a more favorable environment for the banking sector</li>
</ul>
<ul>
<li>CRE Valuation: Banks with significant commercial real estate exposure in high-growth, high-income markets, such as Fifth Third and Huntington, are well-positioned for future CRE origination opportunities. M&amp;T and Citizens Financial Group Inc. will also benefit from an eventual improvement in market conditions.</li>
</ul>
Read Next:
<ul>
<li><a href="https://www.benzinga.com/markets/equities/25/01/42836744/baby-its-cold-outside-these-5-winter-ready-stocks-have-what-it-takes-to-make-you-feel-warm-and-cozy" target="_blank" rel="noreferrer noopener">Baby, It's Cold Outside: These 5 Winter-Ready Stocks Have What It Takes To Make You Feel Warm And Cozy</a></li>
</ul>
Photo courtesy: Shutterstock

Regional Banks Can Thrive Despite Big Bank Dominance: Truist Securities Highlights Three Key Paths For Thriving Regional Banks

Analysts at <a href="https://www.benzinga.com/topic/truist-securities">Truist Securities</a> initiated coverage on 24 large-cap, regional, and trust banks, as well as credit card companies. They anticipate strong earnings growth over the next two years, projecting an annual increase of 12-15% fueled by factors like improving loan growth, a steeper yield curve, and ample capital for expansion.
What Happened: Forecasting a favorable environment for banks in 2025 and 2026, the analysts at Truist foresee a less stringent regulatory environment, with more clarity and flexibility for banks regarding mergers and acquisitions, and the deployment of excess capital.
The note highlighted that the banking stocks were de-rated during the first two years of Trump 1.0 because the yield curve was flattened and late-cycle macro concerns surfaced, even as the administration enacted bank-friendly tax reform and regulatory tailoring. However, according to the brokerage, a little Fed easing and a steeper curve are necessary for the stocks to be re-rated and two rate cuts are expected in 2025, as hinted by Fed during their December meeting. 
According to Truist, while bank valuations have increased, they remain relatively attractive compared to historical levels. They currently trade at a price-to-book value (P/TBV) below their post-financial crisis average, and at a significant discount to the broader market. The note adds that given the current market valuations, bank stocks appear undervalued relative to the S&amp;P 500.
However, despite Truist beliefs that the sector offers attractive opportunities, careful stock selection is crucial according to them. &#8220;While we're not at &#8216;close your eyes and buy ‘em levels,&#8217; we still see attractive opportunities across the sector and view stock selection as increasingly important,&#8221; the note said.
See Also: <a href="https://www.benzinga.com/markets/equities/25/01/42836744/baby-its-cold-outside-these-5-winter-ready-stocks-have-what-it-takes-to-make-you-feel-warm-and-cozy">Baby, It&#8217;s Cold Outside: These 5 Winter-Ready Stocks Have What It Takes To Make You Feel Warm And Cozy</a>
Why It Matters: Truist&#8217;s coverage on 24 financial stocks is spread across three subgroups namely, large-cap, regional, and trust banks, which is initiated with a positive outlook.
<h3 class="wp-block-heading">Large-Cap Banks</h3>
The research note examines long-term investment potential of large U.S. banks as these institutions possess significant advantages, including, &#8220;embedded offense&#8221; with the presence of strong existing businesses and customer relationships.
It also anticipates cyclical tailwinds and capital leverage for such banks given a favorable economic environment and the ability to effectively utilize capital for growth.
These factors position large U.S. banks to achieve organic growth by the expansion of core businesses, double-digit earnings growth and an attractive returns on equity.
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Large Cap Banks</td>
<td>Rating</td>
<td>Price Target</td>
</tr>
<tr>
<td>Bank of America (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BAC#NYSE">BAC</a>)</td>
<td>Buy</td>
<td>$52</td>
</tr>
<tr>
<td>Citigroup (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/C#NYSE">C</a>)</td>
<td>Buy</td>
<td>$85</td>
</tr>
<tr>
<td>Wells Fargo (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>)</td>
<td>Buy</td>
<td>$82</td>
</tr>
<tr>
<td>JPMorgan Chase (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>)</td>
<td>Hold</td>
<td>$260</td>
</tr>
<tr>
<td>PNC Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PNC#NYSE">PNC</a>)</td>
<td>Hold</td>
<td>$215</td>
</tr>
<tr>
<td>US Bancorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/USB#NYSE">USB</a>)</td>
<td>Hold</td>
<td>$54</td>
</tr>
</tbody>
</table>
</figure>
<h3 class="wp-block-heading">Regional Banks And Cards</h3>
Truist also initiated coverage on 14 regional financial companies outlining three key strategies for regional banks to remain competitive.
<ul>
<li>Differentiated Growth: Focus on unique and sustainable growth opportunities.</li>
</ul>
<ul>
<li>Disciplined Capital Allocation: Efficiently deploy capital to support growth and enhance shareholder value.</li>
</ul>
<ul>
<li>Navigating the Evolving Landscape: Adapt to changing market conditions, including interest rates, yield curve shifts, loan and deposit growth, and commercial real estate market dynamics.</li>
</ul>
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Regional Banks</td>
<td>Rating</td>
<td>Price Target</td>
</tr>
<tr>
<td>Fifth Third Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FITB#NASDAQ">FITB</a>)</td>
<td>Buy</td>
<td>$51</td>
</tr>
<tr>
<td>Huntington Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HBAN#NASDAQ">HBAN</a>)</td>
<td>Buy</td>
<td>$19</td>
</tr>
<tr>
<td>M&amp;T Bank (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>)</td>
<td>Buy</td>
<td>$233</td>
</tr>
<tr>
<td>Wintrust Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WTFC#NASDAQ">WTFC</a>)</td>
<td>Buy</td>
<td>$151</td>
</tr>
<tr>
<td>Citizens Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>)</td>
<td>Hold</td>
<td>$49</td>
</tr>
<tr>
<td>Comerica Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CMA#NYSE">CMA</a>)</td>
<td>Hold</td>
<td>$65</td>
</tr>
<tr>
<td>First Citizens BancShares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FCNCA#NASDAQ">FCNCA</a>)</td>
<td>Hold</td>
<td>$2,303</td>
</tr>
<tr>
<td>KeyCorp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KEY#NYSE">KEY</a>)</td>
<td>Hold</td>
<td>$19</td>
</tr>
<tr>
<td>Regions Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>)</td>
<td>Hold</td>
<td>$25</td>
</tr>
</tbody>
</table>
</figure>
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Cards</td>
<td>Rating</td>
<td>Price Target</td>
</tr>
<tr>
<td>Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>)</td>
<td>Buy</td>
<td>$42</td>
</tr>
<tr>
<td>American Express (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AXP#NYSE">AXP</a>)</td>
<td>Buy</td>
<td>$350</td>
</tr>
<tr>
<td>Capital One Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>)</td>
<td>Buy</td>
<td>$229</td>
</tr>
<tr>
<td>Discover Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>)</td>
<td>Buy</td>
<td>$233</td>
</tr>
<tr>
<td>Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>)</td>
<td>Hold</td>
<td>$72</td>
</tr>
</tbody>
</table>
</figure>
<h3 class="wp-block-heading">Trust Banks And Capital Markets</h3>
Truist anticipates gradual interest rate decreases, the eventual end of quantitative tightening, and a healthy economy and capital markets providing a competitive landscape to trust banks.
According to the analysts, investors should prioritize stocks with the potential for sustained operating leverage. Which is the ability to increase profitability significantly with relatively small increases in revenue. And stocks with strong capital returns, with high levels of income through dividends and share buybacks.
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Trust Banks And Capital Markets</td>
<td>Rating</td>
<td>Price Target</td>
</tr>
<tr>
<td>Bank of New York Mellon (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BK#NYSE">BK</a>)</td>
<td>Buy</td>
<td>$91</td>
</tr>
<tr>
<td>Charles Schwab (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHW#NYSE">SCHW</a>)</td>
<td>Buy</td>
<td>$86</td>
</tr>
<tr>
<td>Northern Trust (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NTRS#NASDAQ">NTRS</a>)</td>
<td>Hold</td>
<td>$110</td>
</tr>
<tr>
<td>State Street (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/STT#NYSE">STT</a>)</td>
<td>Hold</td>
<td>$106</td>
</tr>
</tbody>
</table>
</figure>
Image via Shutterstock
Read Next:
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<li><a href="https://www.benzinga.com/25/01/42813271/as-billionaires-load-up-on-energy-stocks-given-trumps-proposed-policies-this-analyst-highlights-charlie-mungers-1962-oil-investment-which-can-outperform-all-the-rest">As Warren Buffett And Other Billionaires Load Up On Energy Stocks, This Analyst Highlights Charlie Munger&#8217;s 1962 Oil Investment Which Can &#8216;Outperform All The Rest&#8217;</a></li>
</ul>

Yield Curve Normalization, Cheap Valuation, EPS Growth To Boost Banks In 2025: Truist Initiates Coverage On These 14 Regional Names

In the last three months, 8 analysts have published ratings on Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>), offering a diverse range of perspectives from bullish to bearish.
The table below provides a concise overview of recent ratings by analysts, offering insights into the changing sentiments over the past 30 days and drawing comparisons with the preceding months for a holistic perspective.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">2</td>
<td align="right">5</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $45.25, along with a high estimate of $56.00 and a low estimate of $40.00. Observing a 7.0% increase, the current average has risen from the previous average price target of $42.29. 
<img src="https://www.benzinga.com/files/images/story/2025/1736272826_0.png" alt="price target chart" />
<h2>Interpreting Analyst Ratings: A Closer Look</h2>
The analysis of recent analyst actions sheds light on the perception of Ally Financial by financial experts. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>David Smith</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Buy</td>
<td>$42.00</td>
<td>-</td>
</tr>
<tr>
<td>Jason Goldberg</td>
<td>Barclays</td>
<td>Raises</td>
<td>Equal-Weight</td>
<td>$44.00</td>
<td>$36.00</td>
</tr>
<tr>
<td>Betsy Graseck</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Overweight</td>
<td>$42.00</td>
<td>$41.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Overweight</td>
<td>$42.00</td>
<td>$40.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Outperform</td>
<td>$56.00</td>
<td>$44.00</td>
</tr>
<tr>
<td>Keith Horowitz</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Buy</td>
<td>$55.00</td>
<td>$50.00</td>
</tr>
<tr>
<td>Jon Arfstrom</td>
<td>RBC Capital</td>
<td>Maintains</td>
<td>Outperform</td>
<td>$40.00</td>
<td>$40.00</td>
</tr>
<tr>
<td>Betsy Graseck</td>
<td>Morgan Stanley</td>
<td>Lowers</td>
<td>Overweight</td>
<td>$41.00</td>
<td>$45.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Ally Financial. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li>Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Ally Financial compared to the broader market.</li>
<li>Price Targets: Understanding forecasts, analysts offer estimates for Ally Financial's future value. Examining the current and prior targets provides insight into analysts' changing expectations.</li>
</ul>
For valuable insights into Ally Financial's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using our Ratings Table.
<a href="https://www.benzinga.com/quote/ALLY/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Ally Financial analyst ratings.</a>
<h2>About Ally Financial</h2>
Formerly the captive financial arm of General Motors, Ally Financial became an independent publicly traded firm in 2014 and is one of the largest consumer auto lenders in the country. While the firm has expanded its product offerings over time, it remains primarily focused on auto lending with more than 70% of its loan book in consumer auto loans and dealer financing. Ally also offers auto insurance, commercial loans, credit cards, and holds a portfolio of mortgage debt, giving the bank a diversified business model, which includes brokerage services.
<h3>Financial Insights: Ally Financial</h3>
Market Capitalization Analysis: Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.
Revenue Growth: Ally Financial displayed positive results in 3 months. As of 30 September, 2024, the company achieved a solid revenue growth rate of approximately 5.62%. This indicates a notable increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: The company's net margin is a standout performer, exceeding industry averages. With an impressive net margin of 14.39%, the company showcases strong profitability and effective cost control.
Return on Equity (ROE): Ally Financial's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of 2.76%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): Ally Financial's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.17%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: With a below-average debt-to-equity ratio of 1.48, Ally Financial adopts a prudent financial strategy, indicating a balanced approach to debt management.
<h2>How Are Analyst Ratings Determined?</h2>
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;utm_source=benzinga-insights">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Where Ally Financial Stands With Analysts

Truist Securities analyst David Smith initiates coverage on Ally Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>) with a Buy rating and announces Price Target of $42.

Truist Securities Initiates Coverage On Ally Financial with Buy Rating, Announces Price Target of $42

Press Releases

Ally Announces Several New Leadership Appointments

Ally Bank's Customer Care Specialists are Allies for Customers on Banksgiving and Every Day

Ally Financial to present at the Goldman Sachs US Financial Conference

Ally Financial schedules release of fourth quarter and full year 2024 financial results

Dividends

Ally Financial declares dividend on common stock and Series B and Series C preferred stock

Ally Financial reports fourth quarter and full year 2024 financial results

Ally and CardWorks Reach Agreement on Sale of Ally's Credit Card Business

TIME and Ally Financial Name 2025 Dealer of the Year

Real Estate

Invest Detroit and Ally Charitable Foundation Announce $1 Million Grant to Support City of Detroit's Strategic Neighborhood Fund

Ally Financial to present at the RBC Capital Markets Financial Institutions Conference

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<a href=""https://www.benzinga.com/topic/truist-securities"">트루이스트 증권</a>의 애널리스트들은 24개의 대형은행, 지역은행, 신탁은행과 신용카드 회사에 대한 커버리지를 개시했다. 이들은 향후 2년간 강력한 수익 성장을 예상하며 대출 성장률 개선, 가파른 수익률 곡선, 충분한 자본 확충 등의 요인에 힘입어 연간 12~15%의 수익 증가를 예상하고 있다.
무슨 일 있었나: 2025년과 2026년에 은행에 우호적인 환경이 조성될 것으로 전망한 트루이스트 애널리스트들은 은행의 인수합병과 초과 자본의 활용에 관한 규제 환경이 보다 명확하고 유연해지면서 은행에 유리할 것으로 예상했다.
이번 메모는 행정부가 은행 친화적인 세제 개혁과 규제 조정을 시행했음에도 불구하고 수익률 곡선이 평평해지고 경기 후반기 거시적 우려가 부각되면서 트럼프 1기 행정부의 첫 2년 동안 은행주에 대한 투자의견이 하향 조정되었음을 강조했다. 그러나 트루이스트에 따르면 연준이 12월 회의에서 암시한 것처럼 주식이 재평가되기 위해서는 약간의 양적완화와 가파른 곡선이 필요하며, 2025년에 두 차례 금리 인하가 예상된다.
트루이스트에 따르면, 은행 밸류에이션은 상승했지만 과거 수준에 비해 여전히 상대적으로 매력적이다. 현재 은행은 금융위기 이후 평균보다 낮은 주가순자산비율(P/TBV)로 거래되고 있으며, 시장 전체에 비해 상당히 할인된 가격에 거래 중이다. 해당 메모는 현재 시장 밸류에이션을 고려할 때 은행 주식은 S&amp;P 500 지수에 비해 저평가된 것으로 보인다고 덧붙였다.
하지만 트루이스트는 은행 업종이 매력적인 기회를 제공하지만 신중한 종목 선택이 중요하다고 강조한다. "우리는 &#8216;눈 감고 사자&#8217; 수준은 아니지만, 여전히 섹터 전반에 걸쳐 매력적인 기회를 보고 있다. 주식 선택이 점점 더 중요해지고 있다고 생각한다.&#8221;
왜 중요한가: 24개 금융주에 대한 트루이스트의 커버리지 개시는 대형은행, 지역은행, 신탁은행의 세 가지 하위 그룹으로 나뉘며, 긍정적인 전망으로 시작된다.
<h3>대형은행</h3>
해당 리서치 메모는 미국 대형은행의 장기 투자 잠재력을 검토한다. 대형은행 기관은 강력한 기존 비즈니스와 고객 관계를 보유한 &#8216;내재된 공격&#8217;을 포함한 상당한 이점을 보유하고 있다.
또한 우호적인 경제 환경과 성장을 위해 자본을 효과적으로 활용할 수 있는 능력을 고려할 때 대형은행이 주기적인 순풍과 자본 레버리지를 기대할 수 있을 것으로 예상한다.
이러한 요인으로 인해 미국 대형은행들은 핵심 비즈니스의 확장을 통한 유기적 성장, 두 자릿수 수익 성장, 매력적인 자기자본 수익률을 달성할 수 있을 것으로 보인다.
<figure class="wp-block-table is-style-stripes">
<table style="overflow:auto; height: 90px; display: block;">
<tbody>
<tr>
<td>대형은행</td>
<td>투자의견</td>
<td>목표주가</td>
</tr>
<tr>
<td>뱅크오브아메리카 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BAC#NYSE">BAC</a>)</td>
<td>매수</td>
<td>$52</td>
</tr>
<tr>
<td>씨티그룹 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/C#NYSE">C</a>)</td>
<td>매수</td>
<td>$85</td>
</tr>
<tr>
<td>웰스파고 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>)</td>
<td>매수</td>
<td>$82</td>
</tr>
<tr>
<td>JP모건 체이스 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>)</td>
<td>보유</td>
<td>$260</td>
</tr>
<tr>
<td>PNC 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PNC#NYSE">PNC</a>)</td>
<td>보유</td>
<td>$215</td>
</tr>
<tr>
<td>US 뱅코프 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/USB#NYSE">USB</a>)</td>
<td>보유</td>
<td>$54</td>
</tr>
</tbody>
</table>
</figure>
<h3 class="wp-block-heading">지역은행 및 카드사</h3>
또한, 트루이스트는 14개 지역 금융사에 대한 분석도 시작했고, 지역은행이 경쟁력을 유지하기 위한 세 가지 핵심 전략을 제시했다.
<ul>
<li>차별화된 성장: 독특하고 지속 가능한 성장 기회에 집중한다.</li>
<li>체계적인 자본 배분: 자본을 효율적으로 배분하여 성장을 지원하고 주주 가치를 높인다.</li>
<li>변화하는 환경 탐색: 금리, 수익률 곡선 변화, 대출 및 예금 증가, 상업용 부동산 시장 역학 등 변화하는 시장 상황에 적응한다.</li>
</ul>
<figure class="wp-block-table is-style-stripes">
<table style="overflow:auto; height: 90px; display: block;">
<tbody>
<tr>
<td>지역은행</td>
<td>투자의견</td>
<td>목표주가</td>
</tr>
<tr>
<td>피프스 서드 뱅코프 (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FITB#NASDAQ">FITB</a>)</td>
<td>매수</td>
<td>$51</td>
</tr>
<tr>
<td>헌팅턴 뱅크셰어스 (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HBAN#NASDAQ">HBAN</a>)</td>
<td>매수</td>
<td>$19</td>
</tr>
<tr>
<td>M&amp;T 뱅크 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTB#NYSE">MTB</a>)</td>
<td>매수</td>
<td>$233</td>
</tr>
<tr>
<td>윈트러스트 파이낸셜 (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WTFC#NASDAQ">WTFC</a>)</td>
<td>매수</td>
<td>$151</td>
</tr>
<tr>
<td>씨티즌스 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>)</td>
<td>보유</td>
<td>$49</td>
</tr>
<tr>
<td>코메리카 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CMA#NYSE">CMA</a>)</td>
<td>보유</td>
<td>$65</td>
</tr>
<tr>
<td>퍼스트 씨티즌스 뱅크셰어스 (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FCNCA#NASDAQ">FCNCA</a>)</td>
<td>보유</td>
<td>$2,303</td>
</tr>
<tr>
<td>키코프 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KEY#NYSE">KEY</a>)</td>
<td>보유</td>
<td>$19</td>
</tr>
<tr>
<td>리전스 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RF#NYSE">RF</a>)</td>
<td>보유</td>
<td>$25</td>
</tr>
</tbody>
</table>
</figure>
<figure class="wp-block-table is-style-stripes">
<table style="overflow:auto; height: 90px; display: block;">
<tbody>
<tr>
<td>신용카드사</td>
<td>투자의견</td>
<td>목표주가</td>
</tr>
<tr>
<td>얼라이 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>)</td>
<td>매수</td>
<td>$42</td>
</tr>
<tr>
<td>아메리칸 익스프레스 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AXP#NYSE">AXP</a>)</td>
<td>매수</td>
<td>$350</td>
</tr>
<tr>
<td>캐피털 원 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>)</td>
<td>매수</td>
<td>$229</td>
</tr>
<tr>
<td>디스커버 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>)</td>
<td>매수</td>
<td>$233</td>
</tr>
<tr>
<td>싱크로니 파이낸셜 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>)</td>
<td>보유</td>
<td>$72</td>
</tr>
</tbody>
</table>
</figure>
<h3 class="wp-block-heading">신탁은행 및 자본시장</h3>
트루이스트는 점진적인 금리 인하, 양적 긴축의 궁극적 종식, 건전한 경제와 자본 시장이 신탁은행에 경쟁 환경을 제공할 것으로 예상한다.
애널리스트들은 투자자들이 지속적인 영업 레버리지가 가능한 종목에 우선순위를 두어야 한다고 말한다. 이는 상대적으로 적은 매출 증가로 수익성을 크게 높일 수 있는 능력을 의미한다. 또한 배당금과 자사주 매입을 통해 높은 수준의 소득을 창출하는 자본 수익률이 높은 주식이다.
트루이스트는 금리가 점진적으로 하락하고 양적 긴축이 끝나며 건강한 경제와 자본 시장이 신탁은행들에게 경쟁력을 제공할 것이라고 예상한다.
애널리스트들은 투자자들이 지속적인 운영 레버리지(매출의 상대적으로 작은 증가로 수익성을 크게 증가시킬 수 있는 능력)와 높은 배당금 및 자사주 매입을 통한 높은 수익률을 가진 주식을 우선시해야 한다고 조언한다.
<figure class="wp-block-table is-style-stripes">
<table style="overflow:auto; height: 90px; display: block;">
<tbody>
<tr>
<td>신탁은행 및 자본시장</td>
<td>투자의견</td>
<td>목표주가</td>
</tr>
<tr>
<td>뱅크오브뉴욕멜론 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BK#NYSE">BK</a>)</td>
<td>매수</td>
<td>$91</td>
</tr>
<tr>
<td>찰스 슈왑 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHW#NYSE">SCHW</a>)</td>
<td>매수</td>
<td>$86</td>
</tr>
<tr>
<td>노던 트러스트(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NTRS#NASDAQ">NTRS</a>)</td>
<td>보유</td>
<td>$110</td>
</tr>
<tr>
<td>스테이트 스트리트 (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/STT#NYSE">STT</a>)</td>
<td>보유</td>
<td>$106</td>
</tr>
</tbody>
</table>
</figure>
이미지 출처: Shutterstock
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스톨리 그룹(Stoli Group)의 미국 사업 부문이 <a href="https://www.benzinga.com/topic/bankruptcy">챕터 11 파산 보호</a> 신청을 추진하고 있다.
이 회사는 11월 27일 텍사스 북부지방법원에 파산 신청서를 신청했다.
뉴욕에 본사를 두고 있는 스톨리 그룹 USA와 켄터키 아울(Kentucky Owl) 미국 위스키 사업은 총 자산을 재구성할 계획이며, 자산 가치는 최대 5억 달러이다. 아래를 참조.
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">
Stoli Group USA Files Chapter 11 with Up to $500M in Assets, Affiliate Kentucky Owl Joins Restructuring
BANKRUPTCY FILING ALERT &#x1f6a8;
Stoli Group (USA), LLC Chapter 11 &#8211; Northern District of Texas Filed: 11/27/2024 Case No. 24-80146
&#x1f4ca; Assets: $100M-$500M &#x7C; Liabilities:… <a href="https://t.co/TSZG8Hcd3e">pic.twitter.com/TSZG8Hcd3e</a>
&mdash; RK &#x7C; Consultants (@_RKConsultants) <a href="https://twitter.com/_RKConsultants/status/1861924768653390088?ref_src=twsrc%5Etfw">November 28, 2024</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>
<h3 class="wp-block-heading">새로이 등장한 블록</h3>
<ul>
<li>앨리 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>)은 소유한 지 단 3년 만에 신용카드 사업부를 매각하고 있다고 <a href="https://www.bloomberg.com/news/articles/2024-11-22/ally-financial-is-said-to-weigh-sale-of-credit-card-business?srnd=phx-deals">블룸버그</a>가 보도했다. 디트로이트에 본사를 둔 이 자동차 대출사는 2021년에 7억 5천만 달러에 해당 부문을 인수했다.</li>
<li>D.W. 쇼는 스페인 비실적 채권 및 부동산 자산의 매각 절차를 진행하기 위해 알란트라 파트너스(Alantra Partners)를 고용했다고 <a href="https://www.bloomberg.com/news/articles/2024-11-22/d-e-shaw-is-seeking-to-sell-400-million-in-spanish-assets?srnd=phx-deals">블룸버그</a>가 보도했다. 이 포트폴리오 가치는 약 3억 8천만 유로(4억 2천만 달러)이다.</li>
<li>인도의 뭄바이에 본사를 둔 에델바이스 파이낸셜 서비스(Edelweiss Financial Services)는 일본의 노무라에 자산운용 사업부의 지분 매각을 위한 매수자를 찾도록 요청했다. 이 사업부의 총 가치는 7억에서 8억 달러에 이를 것으로 보인다고 <a href="https://economictimes.indiatimes.com/mf/mf-news/edelweiss-hires-nomura-for-mutual-fund-unit-stake-sale/articleshow/115646343.cms?from=mdr">경제 이코노믹 타임즈</a>가 보도했다.</li>
</ul>
참고: <a href="https://kr.benzinga.com/news/usa/stocks/%EA%B8%88%EC%9A%94%EC%9D%BC%EC%9D%98-%EC%83%81%EC%9C%84-5%EA%B0%9C-%ED%8A%B8%EB%A0%8C%EB%93%9C-%EC%A3%BC%EC%8B%9D-%EC%8A%88%ED%8D%BC-%EB%A7%88%EC%9D%B4%ED%81%AC%EB%A1%9C-%EC%97%94%EB%B9%84%EB%94%94/" target="_blank" rel="noopener">금요일의 가장 많이 거래된 5개 주식: SMCI, 엔비디아, 마이크로스트레티지에 무슨 일이?</a>
<h3 class="wp-block-heading">블록에서의 업데이트</h3>
<ul>
<li>더 컨테이너 스토어(The Container Store)는 거래를 성사시키거나 자금을 찾지 못했다. <a href="https://www.cnn.com/2024/11/29/business/the-container-store-black-friday-shopping/index.html">CNN</a>에 따르면, 텍사스 코펠에 본사를 둔 이 회사는 Bed Bath &amp; Beyond 및 Overstock.com의 소유주인 비욘드(Beyond)로부터 4천만 달러의 재정적 지원을 기대했으나, 협상이 결렬되었고 현재는 파산 직전이다. 아직 파산 신청은 하지 않았다.</li>
</ul>
<ul>
<li>앵글로 아메리칸(LSE:AAL)은 호주 제철용 석탄광산을 피바디 에너지(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BTU#NYSE">BTU</a>)에 약 38억 달러에 매각하기로 합의했다. 이는 채굴 대기업 BHP 그룹(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BHP#NYSE">BHP</a>)이 앵글로 아메리칸에 대한 인수 시도를 재개할 수 있는 며칠 전에 발생한 일이다.</li>
</ul>
<ul>
<li>인수에 열망이 있는 우니크레디트(UCG)은 이탈리아 대출 기관 뱅코 BPM(BAMI)을 인수하겠다고 제안했다. 100억 유로의 제안은 거절되었다고 <a href="https://www.axios.com/2024/11/25/unicredit-italian-bank?utm_source=newsletter&amp;utm_medium=email&amp;utm_campaign=newsletter_axiosprorata&amp;stream=top">악시오스</a>가 보도했다. 우니크레디트는 독일 기반의 코메르츠방크(Commerzbank)도 인수하고 싶어한다.</li>
</ul>
<ul>
<li>금광 기업 뉴몬트 코퍼레이션(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NEM#NYSE">NEM</a>)은 화요일에 퀘벡의 엘레오노레(Éléonore) 광산을 런던에 본사를 둔 딜마르(Dhilmar)에게 <a href="https://www.benzinga.com/news/asset-sales/24/11/42202141/newmont-sells-mine-for-795-million-barrick-expands-reserves-top-miners-unfazed-by-underperformance" target="_blank" rel="noopener" data-google-interstitial="false">7억 9,500만 달러 현금</a>에 매각했다. 이번 매각은 뉴몬트가 2023년 뉴크레스트 마이닝(Newcrest Mining)의 중대한 인수를 완료한 후 비핵심 자산을 매각하겠다는 전략에 따른 것이다.</li>
</ul>
<ul>
<li>슈나이더 내셔널(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SNDR#NYSE">SNDR</a>)은 코완 시스템즈(Cowan Systems, LLC) 및 그 자회사들을 약 <a href="https://www.benzinga.com/news/mid-cap/24/11/42170700/schneider-expands-its-fleet-390-million-cowan-systems-deal-supercharges-dedicated-services">3억 9천만 달러 현금</a>에 인수하기로 합의했다. 거래는 조정 사항이 적용된다. 이 거래에는 관련 부동산 자산의 별도 구매도 포함되어 있으며, 이는 3,100만 달러이다.</li>
</ul>
지난주의 거래 소식은 <a href="https://kr.benzinga.com/news/usa/stocks/%EB%94%9C-%EB%94%94%EC%8A%A4%ED%8C%A8%EC%B9%98-%EC%8A%A4%ED%83%80%EB%B2%85%EC%8A%A4-%EC%A4%91%EA%B5%AD-%EC%82%AC%EC%97%85-%EB%A7%A4%EA%B0%81-%EA%B3%A0%EB%A0%A4-%EB%85%B8%EC%8A%A4%EB%B3%BC%ED%8A%B8/" target="_blank" rel="noopener">여기를 클릭하십시오</a>.
현재 읽어야 할 내용:
<ul>
<li>트럼프의 제안된 관세가 멕시코, 캐나다, 미국 자동차 제조사를 겨누다; 월스트리트는 우려를 무시하고 사상 최고치로 상승하다: 이번 주 시장 동향</li>
</ul>
이미지: Benzinga
Benzinga Pro의 독점 뉴스 및 도구로 더 많은 승리를 거두세요 
독점 속보 및 스캐너와 같은 Benzinga Pro의 강력한 도구 세트로 다른 트레이더보다 우위를 점하세요. 
<a href="https://www.benzinga.com/pro/register?t=be2bewe5mibe3bz3&amp;utm_source=bz-kor" target="_blank" rel="noreferrer noopener">여기를 클릭</a>하여 14일 무료 체험을 시작하세요.

이들 10개 대형주는 지난주 최악의 성과를 거두었다. 그것들이 당신의 포트폴리오에 있나요?
1. 렌토킬 이니셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RTO#NYSE">RTO</a>)의 주가가 19.65% 급락했다. 이는 회사가 <a href="https://www.benzinga.com//node/40814655" target="_blank" rel="noreferrer noopener">2024 회계연도 하반기 가이던스</a>를 수정한 후 발생한 일이다.
2. 앨라이 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>)의 주가가 17.31% 급락했다. 이 회사의 CFO가 <a href="https://www.benzinga.com//node/40800069" target="_blank" rel="noreferrer noopener">컨퍼런스에서 차입자들 간의 신용 문제</a>가 심화되고 있음을 언급한 후 여러 애널리스트들이 <a href="https://www.benzinga.com//node/40811970" target="_blank" rel="noreferrer noopener">주가 목표를 하향 조정</a>했다.
3. 모더나(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MRNA#NASDAQ">MRNA</a>)의 주가가 11.26% 하락했다. 이 회사가 2027년까지 R&amp;D 비용을 11억 달러 줄이고 <a href="https://www.benzinga.com//node/40834547" target="_blank" rel="noreferrer noopener">2025년 매출 전망을 예상보다 낮게</a> 발표한 후, 많은 애널리스트들이 <a href="https://www.benzinga.com/quote/mrna/analyst-ratings" target="_blank" rel="noreferrer noopener">주가 목표를 하향 조정</a>했다.
4. 휴매나(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HUM#NYSE">HUM</a>)의 주가가 9.93% 하락했다. 이는 이번 주의 <a href="https://www.benzinga.com/general/entertainment/24/09/40840076/trump-vs-harris-presidential-debate-viewership-tops-trump-biden-total-but-falls-short-of-re" target="_blank" rel="noreferrer noopener">트럼프-해리스 토론</a>과 관련이 있을 수 있다.
5. 타이슨 푸드(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TSN#NYSE">TSN</a>)의 주가가 7.57% 하락했다.
6. KE 홀딩스(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BEKE#NYSE">BEKE</a>)의 주가가 7.14% 하락했다.
7. 어도비(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ADBE#NASDAQ">ADBE</a>)의 주가가 5.69% 하락했다. 이는 3분기 실적 발표 후 여러 애널리스트들이 <a href="https://www.benzinga.com/quote/ADBE/analyst-ratings" target="_blank" rel="noreferrer noopener">주가 예측을 하향 조정</a>한 결과이다.
8. 라이언에어 홀딩스(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RYAAY#NASDAQ">RYAAY</a>)의 주가가 5.38% 하락했다.
9. JP모건 체이스(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>)의 주가가 5.05% 하락했다. 이는 COO가 애널리스트의 전망을 완화한 후 발생한 일이다.
10. 데번 에너지(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DVN#NYSE">DVN</a>)의 주가가 4.87% 하락했다. JP 모건 애널리스트가 데번 에너지를 비중 확대 등급으로 유지하고 <a href="https://www.benzinga.com/quote/ADBE/analyst-ratings" target="_blank" rel="noreferrer noopener">주가 전망을 64달러에서 51달러로 하향 조정</a>했다.
추가 읽기:
<ul>
<li><a href="https://kr.benzinga.com/news/usa/stocks/%EC%B8%84%EC%9D%B4-%EB%B8%8C%EB%A1%9C%EB%93%9C%EC%BB%B4-%EB%B0%8F-arm%EC%9D%80-%EC%A7%80%EB%82%9C%EC%A3%BC-%EC%B5%9C%EA%B3%A0-%EC%84%B1%EA%B3%BC%EB%A5%BC-%EB%B3%B4%EC%97%AC%EC%A4%80-10%EA%B0%9C/" target="_blank" rel="noopener">츄이, 브로드컴 및 ARM은 지난주 최고 성과를 보여준 10개 대형주 중 일부 (9월 8일-9월 14일)</a></li>
</ul>
사진 출처: Lutsenko_Oleksandr on Shutterstock
Benzinga Pro의 독점 뉴스 및 도구로 더 많은 승리를 거두세요 
독점 속보 및 스캐너와 같은 Benzinga Pro의 강력한 도구 세트로 다른 트레이더보다 우위를 점하세요. 
<a href="https://www.benzinga.com/pro/register?t=be2bewe5mibe3bz3&amp;utm_source=bz-kor" target="_blank" rel="noreferrer noopener">여기를 클릭</a>하여 14일 무료 체험을 시작하세요.

하나의 발언이 JP모건 체이스(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>)의 주식을 화요일 장 중 최대 <a href="https://www.benzinga.com/markets/equities/24/09/40797360/jpmorgan-hires-new-managing-directors-for-mid-cap-investment-banking-division-report">7.5% 하락</a>시킨 것일까?
그런 것 같다. JP모건의 최고 운영책임자(COO) 다니엘 핀토(Daniel Pinto)가 화요일 업계 행사에서 내년 비용과 순이자소득(NII)에 대한 애널리스트 예측을 완화하였다.
블룸버그에 따르면 현재 NII 컨센서스인 895억 달러는 금리 예측에 비추어 볼 때 &#8220;그다지 합리적이지 않다&#8221;고 그가 <a href="https://www.bloomberg.com/news/articles/2024-09-10/jpmorgan-shares-slide-as-pinto-says-analysts-are-too-optimistic?srnd=homepage-americas&amp;sref=TBDibEcD" target="_blank" rel="noopener">말했다</a>. NII는 &#8220;더 낮아질 것&#8221;이라고 그가 덧붙였다.
그 결과, 주가는 2020년 6월 이후 가장 큰 폭으로 하락하였다.
그러나 이번 주에 비관적인 말을 한 은행 임원은 핀토뿐만이 아니었다.
골드만삭스 그룹(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GS#NYSE">GS</a>)의 CEO인 데이비드 솔로몬(David Solomon)은 월요일 회사의 트레이딩 매출이 3분기에 10% 감소할 것으로 예상된다고 말했다. 화요일 이 회사 주가는 4.39% 하락한 467.13달러에 마감했다.
앨리 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>)의 주가도 17.62% 하락한 32.67달러에 마감했다.
이 회사는 자동차 연체율과 순 상각액이 예상보다 높았음을 확인하여 주가를 2020년 3월 이후 최대 하락폭을 기록했으며, 소비자 대출 기관인 캐피털 원 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>)와 싱크로니 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>)의 주가도 함께 하락했다.
24개 기업으로 구성된 KBW 은행 지수는 연준이 업계 반발 이후 대형 기업에 대한 더 높은 자본 요구 사항을 절반으로 줄이겠다고 발표했음에도 불구하고 3.5% 하락했다.
JP모건은 NII가 2분기에 대한 분석가들의 추정치를 놓쳤을 뿐만 아니라 예상보다 높은 비용을 보고했다.
핀토는 또한 화요일에 2025년 비용에 대한 기대가 너무 미미하며 3분기 투자 은행 수수료가 15% 증가하는 반면 시장 매출은 2%만 증가해 분석가 예측보다 낮을 수 있다고 말했다.
주가 움직임: JP모건의 주식은 화요일 5.21% 하락하여 205.56달러에 마감되었다.
<ul>
<li>IShares U.S. Financial Services ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IYG#NYSE">IYG</a>)는 1.11% 하락했다.</li>
<li>Financial Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLF#NYSE">XLF</a>)는 1.02% 하락했다.</li>
<li>iShares U.S. Financials ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IYF#NYSE">IYF</a>)는 1.00% 하락했다.</li>
</ul>
지금 읽어보세요:
<ul>
<li><a href="https://www.benzinga.com/general/24/08/40656492/high-stakes-innovation-is-ai-in-banking-worth-the-gamble">고위험 혁신: 은행의 AI, 그 가치는?</a></li>
</ul>
이미지 출처: Shutterstock
다른 트레이더들보다 30분 일찍 독점 시장 움직임 뉴스를 받아보세요 
Benzinga Pro의 14일 무료 체험을 통해 독점 뉴스 기사를 이용할 수 있어 수백만 명의 다른 트레이더보다 먼저 실행 가능한 거래 뉴스를 얻을 수 있습니다. <a href="https://www.benzinga.com/pro/register?t=be2bewe5mibe3bz3&amp;utm_source=bz-kor" target="_blank" rel="noreferrer noopener">여기를 클릭</a>하여 14일 무료 체험을 시작하세요.

COO가 분석가 전망에 찬물을 끼얹자 화요일 JP모건 주가가 큰 폭으로 하락

편집자 주: 이 기사에는 연준의 스트레스 테스트 보고서에 언급된 회사인 Citizens Financial Group Inc.가 아닌 Citizens Inc.의 주식 정보가 잘못 포함되어 수정되었습니다.
미국 연방준비제도(연준)의 연례 은행 스트레스 테스트는 수요일에 대형 은행들이 경기 침체 시나리오에서 작년보다 더 큰 예상 손실에 직면하고 있지만, 여전히 심각한 경기 침체를 견디고 <a href="https://www.benzinga.com/analyst-ratings/analyst-color/24/06/39461418/us-bank-stress-tests-this-week-analyst-expects-improvement-8-stocks-3-etfs-to-watch" target="_blank" rel="noopener" data-google-interstitial="false">최소 자본 요건을 유지</a>할 수 있는 좋은 위치에 있음을 보여준다.
"올해의 스트레스 테스트는 대형 은행들이 매우 스트레스가 큰 시나리오에서도 충분한 자본을 보유하고 최소 자본 비율을 충족할 수 있음을 보여준다"고 연준 감독 부문 부의장인 마이클 S. 바(Michael S. Barr)가 말했다.
올해의 스트레스 테스트 부정적 시나리오는 작년과 마찬가지로 심각하지만, 은행 대차대조표의 약간 더 높은 위험과 증가한 비용 때문에 더 큰 손실이 발생했다고 그가 말했다.
2023년 지역 은행 위기를 회상하며, 바는 중요한 교훈이 얻어졌다고 강조했다.
연준은 &#8220;대형 은행들이 일반적으로 예금 이동의 형태로 갑작스러운 자금 충격을 견딜 수 있는 좋은 위치에 있다&#8221;고 밝혔다. 또한, 자금 충격 가정을 감안하더라도 은행의 순이자 수익은 고금리 환경에서 탄력적으로 유지되고 있다.
<h3 class="wp-block-heading">2024년 은행 스트레스 테스트 세부사항, 결과</h3>
올해 테스트에서는 31개 은행 모두 총 예상 가상 손실이 약 6850억 달러에 달함에도 불구하고 최소 보통주 자본 비율 1(CET1) 요건을 초과했다.
올해의 테스트 가상 시나리오는 작년의 심각한 세계적 경기 침체 테스트와 유사하며, 상업용 부동산 가격이 40% 하락하고, 사무실 공실률이 크게 증가하며, 주택 가격이 36% 하락하는 상황을 포함한다. 실업률은 스트레스 테스트에서 10%로 정점에 달하며 경제 생산량도 이에 따라 감소했다.
이 스트레스 시나리오 하에서, 총 보통주 자본 비율(CET1)은 12.7%에서 9.9%로 2.8 퍼센트 포인트 하락할 것으로 예상된다. 이는 작년 테스트보다 더 큰 하락이지만 최근 테스트 범위 내에 있다.
올해 테스트에서 더 큰 자본 감소에 기여한 세 가지 주요 요인은 다음과 같다:
<ol>
<li>신용카드 손실 증가: 신용카드 잔액의 상당한 증가와 높은 연체율로 인해 예상되는 신용카드 손실이 증가했다. 신용카드 손실에 가장 많이 노출된 은행은 앨리 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>), 디스커버 파이낸셜 서비스(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DFS#NYSE">DFS</a>) 및 골드만삭스(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GS#NYSE">GS</a>)이다.</li>
<li>더 위험한 기업 대출 포트폴리오: 은행들은 기업 대출을 다운그레이드하여 리스크가 증가했음을 반영했고, 이로 인해 예상되는 기업 손실도 증가했다. 기업 대출 잔액에 가장 큰 영향을 받을 것으로 예상되는 은행은 디스커버 파이낸셜 서비스, 바클레이즈(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BCS#NYSE">BCS</a>) 및 시티즌 파이낸셜 그룹(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>)이다.</li>
<li>높은 비용과 낮은 수수료 수익: 비용 증가와 수수료 수익 감소로 인해 예상되는 수익이 줄어들면서 자본 감소가 악화되었다.</li>
</ol>
이러한 예상 손실에는 신용카드 손실 1,750억 달러, 상업 및 산업 대출에서 1,420억 달러, 상업용 부동산에서 770억 달러가 포함된다.
&#8220;대형 은행의 상업용 부동산(CRE) 부채 노출은 연방 준비 제도 이사회 감독관들의 주요 관심사로 남아있다&#8221;고 이 보고서에서 밝혔다.
2024년 감독관의 심각한 악화 시나리오에는 상업용 부동산(CRE) 스트레스 증가가 포함되며, CRE 가격은 40% 하락할 것으로 예상된다.
사무실 부문에서의 악화된 기본 요인으로 인해 사무실 건물 대출에 대한 예상 손실이 증가했지만, 연준은 호텔 및 소매 부동산 대출에 대한 예상 손실이 감소하면서 이러한 손실이 균형을 이루고 있다고 밝혔다. 이는 지난 해 동안 이들 부문의 시장 기본 요인이 개선되었기 때문이다.
시장 반응: 미 동부 시간 오후 5:05 기준 캐피탈 원 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>), 시티즌 파이낸셜 그룹(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) 및 골드만삭스는 Financial Select Sector SPDR Fund(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLF#NYSE">XLF</a>) 구성 주식들 중 가장 많이 하락했다. 최고의 종목은 1.7% 상승한 트루이스트 파이낸셜(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TFC#NYSE">TFC</a>)이었다.
지금 읽기: <a href="https://www.benzinga.com/analyst-ratings/analyst-color/24/06/39506069/yen-plummets-to-160-against-dollar-lowest-since-december-1986-is-bank-of-japan-inte">엔화는 1986년 12월 이후 최저치인 달러 대비 160으로 급락: 일본은행의 개입이 임박?</a>
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