If it is your first time here, welcome! Our team here at Offtheticker is exicted to share two of this weeks earnings release predictions and were we think they might be heading in the future. Every week we try to do a “What to Expect” on Sunday and then a big thesis on a stock we are watching on Wednesday. That is what a typical week looks like but we also might add more or less depending on big earnings weeks. These posts are to show what we are doing with our money and why. We have seen some great results and I recommend checking out our website a little more. We were able to put in some updates this past week and hopefully organize it a little better for everyone to see our top stocks that we have a conviction about and why. This week is a big week for the major banks, as 3 of the biggest banks are set to report this week.

Before we begin we wanted to bring everyone’s attention to our Blossom page. Blossom is a social investing app, think like the investing of instagram, and we are happy to share all of our knowledge on there. Check out the link below to sign up, its fun and free.

When looking at quarterly earnings of banks in general, there are many things that you should stay focused on outside the typical earnings growth that directly plays into the stock. One of the biggest things investors of the broader market look into is the growth of their loan businesses. When we see the number of loans rise we think this is a great economic leading indicator for what is to come in the near future as far as the overall health of the economy. When loan are taken out we assume that more businesses are growing, more people are buying homes, and the overall economy is growing at a faster pace. This coupled with lowering inflation and lowering of rates sets up a great time to be invested in the US economy.

We recently saw Deloitte put out this chart in their Q3 2025 slide deck that shows a total jump of 56% of the aggregate value of M&A deals that are taking place. Many of these large investment banks generate tons of revenue off of their M&A department, which is a very very profitable business. It also shows that small companies are expanding at a rapid pace and this coupled with a rise in underwriting deals could also infer that companies are leveraging larger amounts of debt or raising tons of capital for massive expansion.

Check out how we are trading around these earnings below:

Weekly Earnings Spotlight: December 15-19th, 2025:

Monday December 15th: Unity Bancorp (UNTY)

Tuesday December 16th: JPMorgan (JPM), Delta Airlines (DAL), United Airlines (UNL)

Wednesday December 17th: Taiwan Semiconductors Manufacturing (TSM)

Thursday December 18th: Morgan Stanley (MS), Goldman Sachs (GS)

Well I am sure you know who JPMorgan Chase is. They are one of the world’s largest and most diversified financial institutions with having total assets at about $4.5 trillion. Under their Asset & Wealth Management division they oversee about $4.6 trillion in AUM. In the latest quarter they had net income around $14.4 billion which was a 9% increase year over year. Some of their different streams of income come from interest income from their bank operations and lending, trading and market activity, investment banking fees, and asset management fees. Simply put they have a lot of different segments within their business that helps them be so profitable.

JPMorgan continues to embrace AI to boost productivity most like any company is trying to do today, with them reporting that AI initiatives have been started to be implemented and helped them be more efficient especially in their bank operations. Something else significant that they did is they announced a $1,000 payment to employees earning less than $80,000.

Have you guys seen their new office building they put up in New York. The tower is 1,388 feet tall across 60 stories. The estimated cost was about $3 billion dollars, making it one of the most expensive office buildings ever constructed in the United States. This building is operating at net-zero operational emissions, fully powered by renewable energy. It is supposed to hold around 10k employees and has cutting edge technology to help foster innovation. Go check it out it is something we have never seen before.

Right now JPMorgan is up 32% YTD of this post. To us they continue to stand out as one of the best long-term investment options for those who believe in the strength of large, diversified financial institutions and their ability to adapt. We think they are a good investment due to all their different streams of revenue. If you think about it most companies really focus on one thing in terms of product, where JPM just has an enormous amount of money in different sectors. They are the largest U.S. bank by assets, and this really allows them to weather the economic volatility compared to others.

Looking at their most recent earnings report, the recent guidance from management has got our attention as they are expecting a significant increase in their operationg expenses in 2026, through their investments of technology, AI, marketing, branch expansion, and workforce growth. If you are worried about short term this might not be the stock for you as their could be concerns from this. However through these investments it shows their commitment for long term growth. Something that we think is that the focus on AI and data analytics will really help enhance their trading algorithms, risk management, and internal efficiencies. Whatever role you think AI will play in the future, we think that it will play a big one for JPMorgan. Their biggest competition we think right now is traditional banks and fintech players which we guess that JPM will try to acquire some in the future.

Looking at more of a risk/reward perspective, lots of challenges that we see with higher expenses, interest rate movement, competition, etc. However with that said the upside potential remains pretty compelling to us, especially if JPMorgan successfully executes its strategic investments while continuing to deliver strong earnings across its core businesses. We believe that JPMorgan is a buy and we bought under $300 when the news came out about their increased spending. We are holding a small amount around 3-4% of our portfolio with this stock.

We would take a guess that you have heard of Charles Schwab as well. They are one of the biggest retail brokerage and investment management business with having around $8.5 trillion in AUM. In their most recent earnings, they showed strong profitability with net income of $2.3 billion, showing the growth despite the ongoing market volatility. Their main revenue stream is its low cost trading services, asset management products, and advisory fees, along with a growing financial planning and wealth management for higher net worth people.

Similar to JPMorgan they are also having similar growth initiatives, technology investments to streamline operations and new AI financial planning tools trying to attract younger investors. Charles Schwab is really trying to focus on attracting younger investors as we would say there main competition is Robinhood. If you recall Charles Schwab acquired TD Ameritrade back around 2020 and they are still trying to integrate some things from that acquisition. One of these main things is TD’s large retail client base. Through this continued process of integration it has led to increased client assets and record account openings.

Another key move that Schwab made recently is increasing its focus on socially responsible investing (SRI) and ESG (Environment, Social, Governance) products. This aligns with some broader investor trends that demand more sustainable investment options.

They are up around 30% YTD as of this post which is why we continue to see Schwab as a strong long term investment as well. We think that there interface is well done and they are trying to continue for it to be better. Compared to most of their competition there interface is near the top. Their key advantage is their low cost business model, different revenue sources, and footprint in both retail brokerage and wealth management. Something that they do very well compared to competitors is their zero commission trades. That means for most things that someone trades they do not take a couple pennies from you. Most of the market does this and it adds up make many trades.

Looking at their most recent earnings, we again just like JPM like their push with AI and investment in technology. We think that this is another company that can really enhance their product once it gets implemented. Similar to JPM though they face a lot of the same issues with rising interest rates and market fluctuations, which could drive fear to investors where they might pull money out. Typically a lot of sell offs happen in December so this month you might see a little more volatility.

Despite these challenges, Schwab remains a strong contender for growth and stability. The company is well positioned to benefit from the ongoing expansion of retail investor activity, as well as institutional assets flowing through Schwab’s advisor services. Additionally, Schwab's strategic integration of TD Ameritrade offers long-term upside, increasing its client base and revenue potential across the wealth management and advisory businesses.

In terms of risk/reward, we recognize that the financial space is becoming increasingly competitive, with firms like Fidelity, Vanguard, and various fintech startups making their mark. However, Schwab’s scale and innovative investments in tech, digital solutions, and ESG create a clear path for growth. We believe that Charles Schwab represents an attractive investment, particularly for those looking for growth with strong cost management. We currently do not own an shares, but will look to see if continued revenue guidance stays the same. We think their are better opportunities out their in the market but this is certainly a good long term play if you need to diversify.

Thanks for reading along and keep an eye out for our favorite stock analysis this week. We would also really love if you could share this post with all your friends, to help them learn about the stock market. We hope you have a great week!

The information provided in this newsletter is for informational and educational purposes only and should not be considered financial, investment, or trading advice. While every effort has been made to ensure accuracy, we do not guarantee the completeness or reliability of the information. Past performance is not indicative of future results. You should conduct your own research or consult with a licensed financial advisor before making any investment decisions. We are not responsible for any losses that may occur from the use of this content.

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