💡 Earnings Highlights – Key Takeaways & Reports for July 17th

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UnsubscribeI have $2.3M saved for retirement. How much can I actually spend each year? (ad)

I have $2.3M saved for retirement. How much can I actually spend each year?

If you have $2M or more saved, the 4% rule points to roughly $92,000 a year – but it’s a single-variable answer to a multi-variable problem. Withdrawal sequencing, sequence-of-returns risk, Roth conversion timing, and legacy goals can all shift your real number significantly.

Research from Vanguard suggests advisor best practices – covering allocation, rebalancing, tax management, and behavioral coaching – may add roughly 3% in net annual return potential. Morningstar’s 2025 data shows the average investor return gap is 1.2% per year due to mistimed buying and selling.

Get matched with a fiduciary advisor in your area at no cost and with no obligation to hire.

ANSWER THREE QUICK QUESTIONS TO FIND YOUR ADVISOR MATCH TODAYTop Earnings NewsPalantir’s Wild Ride: Inside the Stock Wall Street Can’t Agree OnWhy Microsoft Is Playing a Different AI Game Than Big Tech—and Cash Flow Is the TestThe zero overnight risk trade signal is live (from ProsperityPub)Why Conagra’s Dividend Cut Could Be the Best Thing for InvestorsCintas Keeps Beating Expectations—And the Story Isn’t OverTesla’s Delivery Surprise Was Big—Earnings Need to Be BiggerWhy Johnson & Johnson’s Earnings Dip Looks Like a Buying OpportunityThe suits might come after me for showing you this (from ProsperityPub)Apple’s AI Toll Booth Thesis Faces Its Biggest Test Yet Before EarningsAlphabet’s AI Spending Question Looms Over Q2 EarningsWhy Fastenal’s Latest Drop Could Be Its Biggest Opportunity YetJPMorgan’s Q2 Strength Gives the Stock Rally New SupportLance abandoned all his plans to meet me in Utah (ad)

Lance abandoned all his plans to meet me in Utah

Trader Chris Pulver says a new SEC document dropping the day-trading limit to $2,000 has created the biggest retail opportunity he has seen in over 30 years.

His strategy targets what he calls Flashpoints – moments when market makers must move billions of dollars on the S-P 500 in a narrow window. Research shows one recent signal would have returned 83.7% in 36 minutes and another 62.8% in 51 minutes.

Lance Ippolito flew to Utah for a full breakdown of the method.

TAP HERE TO SEE THE COMPLETE FLASHPOINT TRADING BREAKDOWN NOW

FRIDAY, JULY 17 Today’s Earnings Announcements

CompanyCurrent PriceConsensus EPSActual EPSBeat/MissConsensus RevenueActual RevenueYoY Revenue GrowthReportALVAutoliv$120.01$2.46$2.43($0.03)$0.00$2.77 thousand3.3%→ASAZYAssa Abloy$17.88$0.21$0.21$0.00$0.00$4.09 thousand→DNKEYDanske Bank$28.05$0.56$0.59$0.03$0.00$2.24 thousand→FNBF.N.B.$19.03$0.42$0.42$0.00$465.77$467.13→GNGBYGetinge$24.18- $0.38- $0.00$0.00→ORINYOrion OYJ$38.54- $0.58- $0.00$0.00→RFRegions Financial$32.05$0.63$0.68$0.05$1.95 thousand$1.94 thousand.1%→SAABYSaab$29.34- $0.21- $0.00$0.00→SDVKYSandvik$35.40$0.46$0.49$0.03$0.00$3.76 thousand→SKFRYAB SKF$25.83$0.39$0.53$0.14$0.00$2.41 thousand→SWDBYSwedbankSEK 37.15- SEK 0.68- SEK0.00SEK0.00→TFCTruist Financial$53.55$1.08$1.23$0.15$5.31 thousand$5.24 thousand5.6%→TLSNYTeliaSonera$9.51$0.11$0.12$0.01$0.00$2.14 thousand→TRVTravelers Companies$365.74$5.34$10.04$4.70$12.15 thousand$11.26 thousand.3%→VLVLYAB Volvo$35.00$0.54$0.54$0.00$0.00$12.92 thousand→YARIYYara International ASA$23.56$1.19$0.84($0.35)$0.00$5.14 thousand→Your 401(k) May Not Be Ready for This (ad)

Before Trump Makes His Next Move

The U.S. is sitting on 8,133 tonnes of gold still valued at 1973 prices. One executive order could correct that – and analysts say it would set off the largest wealth transfer most living Americans have ever seen.

The last time Washington made a comparable move, one asset climbed 2,300% in under 10 years. Those who positioned early changed their financial lives. The window to act before any order is signed may be narrow.

LEARN HOW TO POSITION YOURSELF IN GOLD BEFORE THE ORDER IS SIGNED

THURSDAY, JULY 16 Yesterday’s Earnings Announcements

CompanyCurrent PriceConsensus EPSActual EPSBeat/MissConsensus RevenueActual RevenueYoY Revenue GrowthReportAAAlcoa$44.68$2.25$2.12($0.13)$3.97 thousand$3.99 thousand→ABBNYABB$97.79$0.79$0.66($0.13)$9.48 thousand$9.34 thousand→ABTAbbott Laboratories$101.75$1.28$1.31$0.03$12.51 thousand$12.52 thousand13.0%→ATLKYAtlas Copco$20.13$0.15$0.15$0.00$4.66 thousand$4.61 thousand→CBSHCommerce Bancshares$59.69$1.04$1.10$0.06$498.91$492.22→CFGCitizens Financial Group$73.01$1.25$1.30$0.05$2.28 thousand$2.25 thousand12.1%→CNSCohen & Steers$80.05$0.86$0.85($0.01)$151.84$149.4512.2%→FFINFirst Financial Bankshares$35.97$0.50$0.50$0.00$172.76$173.03→GEGE Aerospace$354.79$1.86$2.02$0.16$12.63 thousand$12.24 thousand21.1%→INDBIndependent Bank$81.68$1.79$1.70($0.09)$253.32$257.50→MANManpowerGroup$53.47$0.96$0.99$0.03$4.86 thousand$4.72 thousand→NFLXNetflix$68.04$0.79$0.80$0.01$12.56 thousand$12.58 thousand13.4%→PLDPrologis$151.16$0.75$1.13$0.38$2.43 thousand$2.16 thousand11.0%→SFNCSimmons First National$23.20$0.53$0.50($0.03)$248.57$250.9816.1%→SIFYSify Technologies$14.30$0.01$0.01$0.00$130.13$188.23→STTState Street$182.86$3.34$3.65$0.31$4.05 thousand$3.88 thousand23.3%→TLTZYTele2$8.33$0.10$0.09($0.01)$766.77$750.18→UNHUnitedHealth Group$427.66$4.87$6.38$1.51$112.03 thousand$110.81 thousand.4%→USBU.S. Bancorp$64.15$1.28$1.35$0.07$7.71 thousand$7.58 thousand→VISTVista Energy$63.02$3.15$2.38($0.77)$1.23 thousand$1.19 thousand→WABCWestamerica Bancorporation$61.27$1.10$1.17$0.07$62.77$61.60→WAFDWaFd$38.18$0.82$0.84$0.03$205.52$199.56→WITWipro$1.85$0.03$0.03$0.00$2.54 thousand$2.60 thousand→The quiet coup inside the U.S. economy (ad)

Forget Iran – this is the “regime change” you should fear

Washington has taken an ownership stake in Intel, carved out a cut of Nvidia’s and AMD’s chip sales, and reportedly fielded an offer to own 5% of the largest AI company on the planet. The government is shifting from referee to shareholder in the most important technology race of the century.

When the rules change, the winning trades change with them. Some blue chips sitting in your index fund are now on the wrong side of this shift – while a select group of companies pulled into the new arrangement may be treated like national treasures.

WATCH THE DOCUMENTARY TO SEE WHICH STOCKS TO BUY AND SELL NOW

Upcoming Earnings Reports

CompanyRelease DateRelease TimeAMSFAMERISAFE7/21/2026AfternoonNLYAnnaly Capital Management7/21/2026AfternoonBWBBridgewater Bancshares7/21/2026AfternoonCOFCapital One Financial7/21/2026AfternoonFORForestar Group7/21/2026MorningHASHasbro7/21/2026MorningIBKRInteractive Brokers Group7/21/2026AfternoonMCBMetropolitan Bank7/21/2026AfternoonNPNeptune Insurance7/21/2026AfternoonNICNicolet Bankshares7/21/2026N/AOFGOFG Bancorp7/21/2026MorningPEGAPegasystems7/21/2026AfternoonTFINTriumph Financial7/21/2026AfternoonVMIValmont Industries7/21/2026MorningWBSWebster Financial7/21/2026AfternoonWALWestern Alliance Bancorporation7/21/2026AfternoonGOOGLAlphabet7/22/2026AfternoonBMIBadger Meter7/22/2026MorningBANRBanner7/22/2026AfternoonVTMXCorporacion Inmobiliaria Vesta7/22/2026AfternoonEFSCEnterprise Financial Services7/22/2026N/AEQREquity Residential7/22/2026AfternoonFBPFirst BanCorp.7/22/2026MorningLBRTLiberty Energy7/22/2026AfternoonMEDPMedpace7/22/2026AfternoonCASHPathward Financial7/22/2026AfternoonPNFPPinnacle Financial Partners7/22/2026AfternoonPHMPulteGroup7/22/2026MorningRLIRLI7/22/2026AfternoonRPMRPM International7/22/2026MorningURIUnited Rentals7/22/2026AfternoonWABWabtec7/22/2026Morning

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Published by RJ Hamster

I was born on 6 August 1956 in San Francisco, California to Janet and (the late) Richard Hovis. I grew up in Santa Monica, California where I attended elementary, junior high school, and high school (graduating in 1974), in addition to involvement in sports and recreation (Little League +, the Boy’s Club ++). Further, it was in elementary school – St. Augustine’s By-the -Sea Parish School that I found, and made the choice to truly journey with God. I attended Arizona State University from 1974 to 1977 – seeking to become an architect, however, I was not accepted, and, as such, I graduated with a Liberal Arts degree. Upon graduation from Arizona State University, I attended Cal Poly San Luis Obispo and studied City and Regional Planning at the Master’s level. I successfully completed one (1) year in a two (2) year program – I did not complete the Master’s degree in City and Regional Planning – due to personal reasons. I returned to Santa Monica where I started (October 1979) my career as graphic designer with Exxon Company, USA. I spent five years with Exxon Company, USA. While working with Exxon Company, USA I was accepted into architectural school – Sci-Arc in Southern California, however, I did not attend preferring to stay with Exxon.. In 1982 I married Laura Flosi and in April 1983 we had our one and only child – Lauren Alain Hovis – a gift from God. We moved to Phoenix, Arizona in 1984 from Los Angeles, where I went to work as a graphic designer with Kitchell CEM (from 1985 -1987). From 1987 – 1995 I was an independent contractor, and a registered representative in mortgage finance, financial management, graphic design, and drafting. Further, I attended the University of Phoenix and successfully obtained a Master’s in Business Administration (MBA) in 1982. I was also a member of the Scottsdale Jaycees, where I became very involved in community events and projects. In 1994, I accepted a cartography position with the Defense Mapping Agency in Reston, Virginia. As such, I relocated from Phoenix to Reston. In 1998, I was accepted and worked as a Visual Information Officer with the Central Intelligence Agency. In 2002, I worked as a Support Officer until my retirement (due to a need for shoulder surgery) in September 2018. Away from my Federal Government service, I have been involved in various organizations and activities in Northern Virginia. In November of 2011, I married Rebecca Ouellette in Santa Monica, California. I reside in San Tan Valley, AZ with my two hamster - Jess and Timothy, our fish, our lizard - RJ Lizard., and our cats - Pearl and Grey. As to hobbies, I enjoy playing sports, attending sporting events, mentoring individuals from financial management to hamsters, building models, photography, travel, multimedia design, managing partner for RJ Hamster, and jazz – smooth jazz to a samba or a bossa nova. Love and God Bless, Peter – aka RJ Hamster Jo hi

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