$Northwest Bancshares(NWBI)$ , founded in 1896, is a full-service financial institution. They offer business and personal banking products, employee benefits, and wealth management services.  As of September 30, 2025, Northwest operated 151 full-service financial centers and ten free-standing drive-up facilities in Pennsylvania, New York, Ohio, and Indiana. The bank has approximately 60% of its total outstanding loans distributed across around 30 property types, resulting in a diverse portfolio that helps it avoid industry concentration issues. Income Statement  The bank's EPS (Earnings Per Share) was $0.61 for the year ended September 2025. So far, it has distributed $0.60 in dividends, representing a 98.36% payout ratio.  Total in

$Northwest Bancshares(NWBI)$ Income Statement Total income increased due to the recent shift in the loan mix to higher-yielding commercial loans, which was also boosted by a one-time pay-off of $13.1 million from a borrower who had stopped paying interest (non-accrual). Total expenses saw a slight decrease caused by lower borrowed funds (they ended up paying less interest on the remaining borrowings), and reduced the use of higher-cost brokered CDs (certificates of deposit), which is another source of funding for the bank but an expensive one. The provision for credit losses has increased because expectations for future loan losses are significantly higher compared to the same quarter last year. This is mainly due to the growth of their commercial

$Verizon(VZ)$  Consolidated numbers Quarter over Quarter Operating revenue decreased by 6.15%, largely due to a drop in wireless equipment revenue, which fell by $2.19 billion (this type of revenue refers to earnings from the sale of physical devices and accessories). It's important to note that comparing these earnings with the previous quarter can be misleading, as that quarter included additional revenue generated from the end-of-year holidays. Net income was impacted, but not as significantly, experiencing a decrease of 2.56%. This decline was counterbalanced by a reduction of $2.7 billion in operating expenses. You might be wondering why net income wasn’t higher, given that the decrease in operating expenses ($2.7B) was much larger than th

$XPLR Infrastructure, LP(XIFR)$ Founded in 2014, XPLR Infrastructure, LP (a wholly owned indirect subsidiary of $NEE$) is a limited partnership that owns clean energy infrastructure assets, with a focus on contracted renewable energy projects, including wind, solar, and battery storage projects, which generate long-term, stable cash flows. As of June 30, 2025, the average duration of contracted Power Purchase Agreements (PPAs) is 12 years. The existing assets' useful life is ~23 years. They have roughly 10 GW of operational assets situated across 31 US states, comprising 8 GW of wind, 1.8 GW of solar, and 0.2 GW of storage. Additionally, 72% of their portfolio is concentrated in the West and South. They are the 3rd largest producer of wind and sol

Is $NextEra LP(NEP)$ in the Renewable Energy sector the new "Gold Mine" stock? If you're considering investing in the renewable energy sector, specifically in NEP, I've conducted a SWOT analysis to help us understand the business's challenges and opportunities. While NEP pays an unusually high dividend yield, it is critical to know where you're getting your self into. This is not financial advice and I'm not a financial advisor. SWOT ANALYSIS INTERNAL – STRENGHTS Higher growth potential: - NEP strategy is centered on expanding ownership of long-term contracted projects in renewable energy. The global emphasis on reducing carbon emissions and transition to greener energy sources is a key driver for the industry expansion. High and stable cash dis

$Northwest Bancshares(NWBI)$ Northwest's performance has been quite strong compared to 2024. Total net income saw a significant increase due to higher yields on interest-earning assets and a large non-accrual interest recovery in the first quarter of 2025, which added approximately $9.4 million in after-tax income. What also helped boost net income was the lower expenses due to a decline in the average balance of borrowings and a higher cost of brokered CDs (Certificates of Deposit). It's important to note that during the first six months ending June 30, 2024, the bank sold investments at a loss to reinvest the proceeds into those higher-yielding assets, which are now generating returns. The increase in provision for credit losses was due to a dow

$Northwest Bancshares(NWBI)$ 2Q24 Report – Financial Instability with EPS at $0.04? NWBI reported its earnings for 2Q24 on July 23, and the share price increased by 4.5% immediately after. You may be asking what caused such a positive response from the public and in short, they beat the Earnings Per Share (EPS) estimate by 21.8% at 0.27. However, it is important to note that the amount that beat expectations excludes a significant loss on the sale of investments of $28 million plus $1 million of restructuring expenses. This means that their actual EPS was $0.04. If you look at the photograph rather than the video, you will think this was horrible for the bank, selling investments at a loss can mean that NWBI is signaling financial instability, suc

Consolidated numbers $Verizon(VZ)$ Earnings per Share (EPS) were at $1.19 compared to the $(0.64) loss in 4Q23. It is important to note that there was a 5.8 billion goodwill impairment charge that impacted their numbers in 4Q23. Quarter over quarter (QoQ), their EPS increased by 52% from $0.78, primarily driven by higher earnings in wireless equipment revenues due to increased upgrade volumes, along with an increase in their Other Income category (by 1006% to $797 million, yes you read that right) resulting from a revaluation of their pension and OPEB liabilities, making their future obligations less costly now. Verizon reported an EBITDA of $12.7 billion, an increase of 21% QoQ, due to Wireless service revenue growth and a higher provision for inco