文章核心观点 - 受宏观经济因素影响，抵押贷款利率波动阻碍行业快速复苏，但多元化业务和服务板块为部分企业带来机遇 [1][2] 行业概述 - 行业包含提供抵押贷款相关贷款、再融资和其他贷款服务的机构，非银行机构因银行退出增加市场份额，行业依赖美联储利率，企业还从金融资产投资和股权投资中获利 [3] 行业趋势 高利率抑制需求 - 尽管美联储宽松货币政策，30 年固定利率近两年半多在 6%-7% 徘徊，高利率和供应短缺使购房者观望，影响贷款需求、发放和再融资 [4] - 今年美国经济基本面良好使长期利率上升，抵押贷款发放和再融资或呈负趋势，增加机构运营和财务挑战，影响营收增长 [5] 竞争加剧 - MBA 预测美国单户抵押贷款债务将因房价上涨增加，但行业竞争激烈，销售利润率下降，部分机构盈利困难 [6] 服务板块提供支持 - 销售利润率下降和贷款发放量减少，企业将更依赖服务板块盈利，高利率环境下服务板块可对冲发放业务风险，慢提前还款速度利好抵押贷款服务权投资，预计到 2025 年底单户抵押贷款债务达 14.7 万亿美元，服务组合有增长机会 [7] 行业排名与前景 - 行业在 Zacks 行业排名第 141，处于底部 43%，近期盈利预期下调 7.1%，显示短期前景不佳 [8][9] 行业表现与估值 市场表现 - 过去一年行业表现逊于 Zacks 金融板块和标普 500 指数，行业涨幅 13.8%，金融板块涨 28.8%，标普 500 涨 25.2% [11] 估值情况 - 行业市净率 4.77 倍，低于标普 500 的 8.89 倍，高于 Zacks 金融板块的 4.16 倍，过去五年最高 11.62 倍，最低 1.18 倍，中位数 3.61 倍 [13][15] 关注股票 彭尼麦克金融服务公司（PennyMac） - 是专业金融服务公司，业务涵盖贷款发放、服务和投资管理，服务业务和生产部门推动营收增长，运营平台高效、资本充足，多渠道贷款生产具竞争优势 [17][18] - 2025 年每股收益预计 14.02 美元，同比增长 21.7%，Zacks 评级 3（持有），市值 52.1 亿美元 [19] 借贷树公司（Lending Tree） - 是在线市场平台，为客户提供超 600 家合作伙伴产品，专注提高购买转化率，满足客户房屋净值贷款需求，市场领先且商业模式灵活，通过多元化非抵押贷款产品增加收入 [21][22][23] - 2025 年每股收益预计 3.37 美元，同比增长 26.4%，Zacks 评级 2，市值 5.891 亿美元 [24] 美国金融公司（Finance of America） - 是多元化消费贷款平台，提供多种贷款产品，推出 HomeSafe Second 产品并改进，转向数字营销驱动增长 [26][27] - 2025 年每股收益预计 2.67 美元，同比增长 256%，Zacks 评级 1（强力买入），市值 2.431 亿美元 [28]

If you want full access to all our reports, data and investing ideas, join The Aerospace Forum , the #1 aerospace, defense and airline investment research service on Seeking Alpha, with access to evoX Data Analytics, our in-house developed data analytics platform.In November 2024, I covered Woodward, Inc. (NASDAQ: WWD ) after the company had exceeded my price target and lifted my price target to $211 and since then, the stock has returned 2.9%. It is not an impressive return, but it likelyDhierin runs the i ...

If you want full access to all our reports, data and investing ideas, join The Aerospace Forum , the #1 aerospace, defense and airline investment research service on Seeking Alpha, with access to evoX Data Analytics, our in-house developed data analytics platform.Intuitive Machines (NASDAQ: LUNR ) diluted shareholders in December 2023 by 13% in an upsized offering. For me, that was not a reason to downgrade the stock, and the strong buy rating has paid off very will with a 91% return and the stock priceDhie ...

Want to invest in the future of energy? This renewable energy stock is poised for long-lasting growth.Renewable energy is here to stay.For example, sales of electric vehicles in the U.S. soared from 294,000 in 2021 to 1.4 million three years later, according to data from the International Energy Agency (IEA). Utility companies are not doubling down on old-school fossil fuels to support the resulting surge in electric power demand, but exploring alternatives such as wind and solar energy instead. As a result ...

Shares of Lumen Technologies (LUMN -4.07%) are down Wednesday. The firm's stock lost 3.4% as of 1 p.m. ET, but was down as much as 5.8% earlier in the day. The loss comes as the S&P 500 (^GSPC 0.15%) gained 0.1% and the Nasdaq Composite (^IXIC -0.09%) lost 0.1%.Lumen, a telecom company that provides data center networking technology, reported earnings on Tuesday. While it was a mostly positive quarter, too many unknowns remain, and investors remain cautious.The numbersLumen reported a Q4 net income of $85 m ...

AbbVie (ABBV) announced strong fourth-quarter 2024 results last week, beating estimates for both earnings and sales. While earnings of $2.16 per share declined around 22% year over year, sales rose 6.1% on an operational basis, mainly driven by robust sales of its immunology medicines, Skyrizi and Rinvoq. While sales of Skyrizi rose 57.9% on an operational basis, Rinvoq sales were up 47.1%. AbbVie’s other key drugs, Venclexta and Vraylar, coupled with significant contributions from newer drugs Ubrelvy, Elah ...

Goldman Sachs analyst James Schneider expressed views on International Business Machines Corporation‘s IBM Investor Day, which took place on February 4.The analyst maintained a Buy rating and a $275 price forecast, considering the company remains underappreciated in the TMT sector and offers discovery value, especially for long-only investors.The analyst notes that IBM projects over 5% total revenue growth from 2025 to 2027, including M&A, with pre-tax margin and FCF growth outpacing revenue growth.The anal ...

Join iREIT on Alpha today to get the most in-depth research that includes REITs, mREITs, Preferreds, BDCs, MLPs, ETFs, and other income alternatives. 438 testimonials and most are 5 stars. Nothing to lose with our FREE 2-week trial .In general, I'm very happy with the way things are going. Many parts of my "big picture" thesis are working out according to plan, including the "higher for longer" inflation and interest rate environment.Analyst’s Disclosure: I/we have no stock, option or similar derivative pos ...

American Financial Group, Inc. (AFG) reported fourth-quarter 2024 net operating earnings per share of $3.12, which missed the Zacks Consensus Estimate by 2.5%. The bottom line increased 9.9% year over year. See the Zacks Earnings Calendar to stay ahead of market-making news.American Financial’s results reflected higher premiums, increased average renewal pricing across the P&C group and improved net investment income. Higher expenses and catastrophe losses were the offsets.Behind the Headlines  Total revenu ...

文章核心观点 - 第一夏威夷银行（First Hawaiian）盈利预期显著修正，股价近期上涨趋势或延续，可考虑加入投资组合 [1][7] 分析师乐观推动预期上调 - 分析师对该银行控股公司盈利前景愈发乐观，推动盈利预期上调，这将反映在股价上，盈利预期修正趋势与短期股价走势密切相关 [2] Zacks评级系统 - Zacks五级评级系统从1（强力买入）到5（强力卖出），表现出色，自2008年以来，Zacks评级为1的股票年均回报率达+25% [3] 本季度预期修正 - 公司本季度预计每股盈利0.46美元，同比增长9.52% [4] - 过去30天，3个盈利预期上调，无下调，Zacks共识预期提高13.11% [4] 本年度预期修正 - 全年每股盈利预期为1.89美元，较去年同期增长5.59% [5] - 过去一个月，4个盈利预期上调，无下调，共识预期提高10.94% [5] 有利的Zacks评级 - 良好的预期修正使公司获得Zacks评级1（强力买入），评级为1和2的股票表现显著优于标准普尔500指数 [6] 总结 - 因盈利预期修正良好，过去四周股价上涨9.8%，盈利增长前景或推动股价进一步上涨 [7]