PennyMac Financial Servs Azioni (NYSE: PFSI)

PennyMac Financial Servs (NYSE:PFSI) Azioni

PENNYMAC FINANCIAL SERVICES

PennyMac Financial Servs

PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. residential mortgage loans. The company operates through two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities. The servicing segment performs loan servicing for newly originated loans.

PennyMac Financial Services, Inc. Common Stock

PennyMac Financial Services Inc

UBS analyst Douglas Harter maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Neutral and raises the price target from $110 to $115.

News

Price Target

Analyst Ratings

PFSI

UBS Maintains Neutral on PennyMac Financial Servs, Raises Price Target to $115

Keefe, Bruyette &amp; Woods analyst George Bose maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Outperform and raises the price target from $114 to $121.

Keefe, Bruyette & Woods Maintains Outperform on PennyMac Financial Servs, Raises Price Target to $121

Barclays analyst Terry Ma maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Overweight and lowers the price target from $124 to $119.

Barclays Maintains Overweight on PennyMac Financial Servs, Lowers Price Target to $119

Piper Sandler analyst Crispin Love maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Overweight and lowers the price target from $128 to $125.

Piper Sandler Maintains Overweight on PennyMac Financial Servs, Lowers Price Target to $125

Chimera Investment Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CIM#NYSE">CIM</a>) announced Thursday it will acquire HomeXpress Mortgage Corp., a non-QM and non-agency loan originator with a nationwide footprint <a href="https://www.benzinga.com/pressreleases/25/06/b45900081/chimera-investment-corporation-nyse-cim-chimera-announces-definitive-agreement-to-acquire-homexpre">spanning 46 states and Washington, D.C</a>.
The deal, signed on June 11, includes a payment of $120 million in cash and 2,077,151 shares of Chimera stock. It will be executed through Chimera's taxable REIT subsidiary, Chimera Funding TRS.
The acquisition will expand Chimera's access to mortgage loan origination and strengthen its securitization and servicing operations, aligning with its long-term growth strategy. The transaction is expected to close in the fourth quarter of 2025.
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Chimera anticipates the deal will be earnings-accretive beginning in 2026. HomeXpress has operated profitably since its founding in 2016, generating $47 million in pre-tax income in 2024. 
The company originated $2.5 billion in loans last year and projects $3.5 billion in volume for 2025, supported by its strong broker and correspondent partner network.
Following the acquisition, HomeXpress will continue as a wholly owned subsidiary, with CEO Kyle Walker and his senior leadership team staying on to lead the business.
Chimera also plans to leverage existing net operating losses to offset the acquisition premium. It will gain additional revenue streams through origination fees and gain-on-sale income, helping diversify its earnings base.
CIM held cash and cash equivalents of <a href="https://www.benzinga.com/pressreleases/25/05/b45280351/chimera-investment-corporation-reports-1st-quarter-2025-earnings" target="_blank" rel="noreferrer noopener">$253.349 million</a> as of March 31, 2025.
Other companies involved in the residential and mortgage sector include PennyMac Financial Services Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) and Rocket Companies Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RKT#NYSE">RKT</a>).
Investors may also watch mortgage-focused ETFs, such as the iShares MBS ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MBB#NASDAQ">MBB</a>) and the VanEck Mortgage REIT Income ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MORT#NYSE">MORT</a>).
Price Action: CIM shares are trading lower by 0.22% to $13.89 premarket at last check Thursday.
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Photo by Gumbariya via Shutterstock

MORT

Chimera Expands Mortgage Reach With HomeXpress Acquisition

Wells Fargo analyst Michael Kaye maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Overweight and lowers the price target from $125 to $120.

Wells Fargo Maintains Overweight on PennyMac Financial Servs, Lowers Price Target to $120

Across the recent three months, 4 analysts have shared their insights on PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>), expressing a variety of opinions spanning from bullish to bearish.
The following table summarizes their recent ratings, shedding light on the changing 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">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>Last 30D</td>
<td align="right">0</td>
<td align="right">1</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">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">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">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $120.5, a high estimate of $130.00, and a low estimate of $110.00. A 1.83% drop is evident in the current average compared to the previous average price target of $122.75. 
<img src="https://www.benzinga.com/files/images/story/2025/1745445666_0.png" alt="price target chart" />
<h2>Investigating Analyst Ratings: An Elaborate Study</h2>
The standing of PennyMac Financial Servs among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
&#x7C; Analyst &#x7C; Analyst Firm &#x7C; Action Taken &#x7C; Rating &#x7C;Current Price Target&#x7C; Prior Price Target &#x7C; 
&#x7C;--------------------&#x7C;-----------------------&#x7C;---------------&#x7C;---------------&#x7C;--------------------&#x7C;--------------------&#x7C; 
&#x7C;Crispin Love &#x7C;Piper Sandler &#x7C;Lowers &#x7C;Overweight &#x7C; $128.00&#x7C;$130.00 &#x7C; 
&#x7C;Douglas Harter &#x7C;UBS &#x7C;Lowers &#x7C;Neutral &#x7C; $110.00&#x7C;$115.00 &#x7C; 
&#x7C;George Bose &#x7C;Keefe, Bruyette &amp; Woods&#x7C;Maintains &#x7C;Outperform &#x7C; $114.00&#x7C;$114.00 &#x7C; 
&#x7C;Crispin Love &#x7C;Piper Sandler &#x7C;Lowers &#x7C;Overweight &#x7C; $130.00&#x7C;$132.00 &#x7C;
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to PennyMac Financial Servs. This offers insight into analysts' perspectives on the current state of the company.</li>
<li>Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of PennyMac Financial Servs compared to the broader market.</li>
<li>Price Targets: Delving into movements, analysts provide estimates for the future value of PennyMac Financial Servs's stock. This analysis reveals shifts in analysts' expectations over time.</li>
</ul>
Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of PennyMac Financial Servs's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/PFSI/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on PennyMac Financial Servs analyst ratings.</a>
<h2>Delving into PennyMac Financial Servs's Background</h2>
PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. residential mortgage loans. The company operates through two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities. The servicing segment performs loan servicing for newly originated loans.
<h3>PennyMac Financial Servs: Delving into Financials</h3>
Market Capitalization Analysis: Above industry benchmarks, the company's market capitalization emphasizes a noteworthy size, indicative of a strong market presence.
Positive Revenue Trend: Examining PennyMac Financial Servs's financials over 3M reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 31.21% as of 31 December, 2024, showcasing a substantial increase in top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: PennyMac Financial Servs's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of 14.96%, the company may face hurdles in effective cost management.
Return on Equity (ROE): PennyMac Financial Servs's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 2.76% ROE, the company effectively utilizes shareholder equity capital.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.43%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: PennyMac Financial Servs's debt-to-equity ratio is below the industry average. With a ratio of 5.37, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.
<h2>The Significance of Analyst Ratings Explained</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts 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.
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Assessing PennyMac Financial Servs: Insights From 4 Financial Analysts

Piper Sandler analyst Crispin Love maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Overweight and lowers the price target from $130 to $128.

Piper Sandler Maintains Overweight on PennyMac Financial Servs, Lowers Price Target to $128

PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) reported quarterly earnings of $1.42 per share which missed the analyst consensus estimate of $2.67 by 46.82 percent. The company reported quarterly sales of $430.903 million which missed the analyst consensus estimate of $534.654 million by 19.41 percent. This is a 40.97 percent increase over sales of $305.660 million the same period last year.

Earnings

Earnings Misses

PennyMac Financial Servs Q1 2025 GAAP EPS $1.42 Misses $2.67 Estimate, Sales $430.903M Miss $534.654M Estimate

<h3>Companies Reporting Before The Bell</h3>
• Valmont Industries (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VMI#NYSE">VMI</a>) is estimated to report quarterly earnings at $4.36 per share on revenue of $976.14 million. 
• Herc Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HRI#NYSE">HRI</a>) is expected to report quarterly earnings at $2.21 per share on revenue of $847.18 million. 
• Peoples Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEBO#NASDAQ">PEBO</a>) is expected to report quarterly earnings at $0.73 per share on revenue of $113.55 million. 
• Mercantile Bank (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MBWM#NASDAQ">MBWM</a>) is likely to report quarterly earnings at $1.19 per share on revenue of $57.70 million. 
• Lockheed Martin (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LMT#NYSE">LMT</a>) is expected to report quarterly earnings at $6.34 per share on revenue of $17.79 billion. 
• Northern Trust (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NTRS#NASDAQ">NTRS</a>) is likely to report quarterly earnings at $1.85 per share on revenue of $1.95 billion. 
• RTX (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RTX#NYSE">RTX</a>) is projected to report quarterly earnings at $1.35 per share on revenue of $19.79 billion. 
• Verizon Communications (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VZ#NYSE">VZ</a>) is estimated to report quarterly earnings at $1.15 per share on revenue of $33.23 billion. 
• Moodys (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MCO#NYSE">MCO</a>) is estimated to report quarterly earnings at $3.54 per share on revenue of $1.88 billion. 
• Kimberly-Clark (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMB#NYSE">KMB</a>) is estimated to report quarterly earnings at $1.89 per share on revenue of $4.88 billion. 
• Genuine Parts (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GPC#NYSE">GPC</a>) is estimated to report quarterly earnings at $1.68 per share on revenue of $5.83 billion. 
• Pentair (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PNR#NYSE">PNR</a>) is estimated to report quarterly earnings at $1.01 per share on revenue of $988.89 million. 
• Quest Diagnostics (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DGX#NYSE">DGX</a>) is expected to report quarterly earnings at $2.15 per share on revenue of $2.63 billion. 
• Halliburton (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HAL#NYSE">HAL</a>) is estimated to report quarterly earnings at $0.60 per share on revenue of $5.28 billion. 
• MSCI (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MSCI#NYSE">MSCI</a>) is projected to report quarterly earnings at $3.91 per share on revenue of $744.21 million. 
• Northrop Grumman (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NOC#NYSE">NOC</a>) is projected to report quarterly earnings at $6.26 per share on revenue of $9.93 billion. 
• 3M (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MMM#NYSE">MMM</a>) is expected to report quarterly earnings at $1.77 per share on revenue of $5.75 billion. 
• Equifax (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/EFX#NYSE">EFX</a>) is projected to report quarterly earnings at $1.40 per share on revenue of $1.42 billion. 
• PulteGroup (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PHM#NYSE">PHM</a>) is expected to report quarterly earnings at $2.42 per share on revenue of $3.82 billion. 
• GE Aerospace (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GE#NYSE">GE</a>) is estimated to report quarterly earnings at $1.26 per share on revenue of $9.00 billion. 
• Elevance Health (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ELV#NYSE">ELV</a>) is projected to report quarterly earnings at $11.38 per share on revenue of $46.29 billion. 
• Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) is estimated to report quarterly earnings at $1.67 per share on revenue of $4.56 billion. 
• Danaher (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DHR#NYSE">DHR</a>) is expected to report quarterly earnings at $1.64 per share on revenue of $5.58 billion. 
• Lotus Technology (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LOT#NASDAQ">LOT</a>) is estimated to report earnings for its fourth quarter. 
• United Community Banks (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UCB#NYSE">UCB</a>) is projected to report quarterly earnings at $0.56 per share on revenue of $247.09 million. 
• Invesco (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IVZ#NYSE">IVZ</a>) is likely to report quarterly earnings at $0.38 per share on revenue of $1.11 billion. 
• Iridium Communications (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/IRDM#NASDAQ">IRDM</a>) is estimated to report quarterly earnings at $0.28 per share on revenue of $211.78 million. 
• Hope Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HOPE#NASDAQ">HOPE</a>) is expected to report quarterly earnings at $0.19 per share on revenue of $114.97 million. 
• Dime Community Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DCOM#NASDAQ">DCOM</a>) is expected to report quarterly earnings at $0.58 per share on revenue of $105.70 million. 
• Old National (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ONB#NASDAQ">ONB</a>) is estimated to report quarterly earnings at $0.43 per share on revenue of $478.24 million. 
<h3>Companies Reporting After The Bell</h3>
• SAP (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SAP#NYSE">SAP</a>) is expected to report quarterly earnings at $1.42 per share on revenue of $9.07 billion. 
• Capital One Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>) is projected to report quarterly earnings at $3.75 per share on revenue of $10.06 billion. 
• Chubb (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CB#NYSE">CB</a>) is estimated to report quarterly earnings at $3.22 per share on revenue of $11.22 billion. 
• Orrstown Financial Servs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ORRF#NASDAQ">ORRF</a>) is estimated to report quarterly earnings at $0.93 per share on revenue of $54.62 million. 
• Pathward Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CASH#NASDAQ">CASH</a>) is expected to report quarterly earnings at $2.78 per share on revenue of $259.27 million. 
• First Bank (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FRBA#NASDAQ">FRBA</a>) is expected to report quarterly earnings at $0.39 per share on revenue of $32.78 million. 
• Renasant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RNST#NYSE">RNST</a>) is expected to report quarterly earnings at $0.61 per share on revenue of $170.28 million. 
• Steel Dynamics (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/STLD#NASDAQ">STLD</a>) is estimated to report quarterly earnings at $1.85 per share on revenue of $4.24 billion. 
• Intuitive Surgical (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ISRG#NASDAQ">ISRG</a>) is estimated to report quarterly earnings at $1.73 per share on revenue of $2.19 billion. 
• EQT (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/EQT#NYSE">EQT</a>) is likely to report quarterly earnings at $0.91 per share on revenue of $2.00 billion. 
• Packaging Corp of America (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PKG#NYSE">PKG</a>) is estimated to report quarterly earnings at $2.22 per share on revenue of $2.12 billion. 
• PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) is expected to report quarterly earnings at $2.82 per share on revenue of $517.92 million. 
• PennyMac Mortgage IT (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PMT#NYSE">PMT</a>) is expected to report quarterly earnings at $0.39 per share on revenue of $92.33 million. 
• QCR Hldgs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QCRH#NASDAQ">QCRH</a>) is expected to report quarterly earnings at $1.51 per share on revenue of $94.26 million. 
• Hanmi Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HAFC#NASDAQ">HAFC</a>) is expected to report quarterly earnings at $0.57 per share on revenue of $63.43 million. 
• Monarch Casino &amp; Resort (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MCRI#NASDAQ">MCRI</a>) is likely to report quarterly earnings at $1.03 per share on revenue of $123.82 million. 
• Pegasystems (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEGA#NASDAQ">PEGA</a>) is expected to report quarterly earnings at $0.50 per share on revenue of $357.20 million. 
• Baker Hughes (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BKR#NASDAQ">BKR</a>) is likely to report quarterly earnings at $0.48 per share on revenue of $6.52 billion. 
• Zurn Elkay Water Solns (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ZWS#NYSE">ZWS</a>) is estimated to report quarterly earnings at $0.29 per share on revenue of $383.55 million. 
• Usana Health Sciences (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/USNA#NYSE">USNA</a>) is expected to report quarterly earnings at $0.74 per share on revenue of $243.08 million. 
• Veritex Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VBTX#NASDAQ">VBTX</a>) is expected to report quarterly earnings at $0.51 per share on revenue of $110.68 million. 
• Enphase Energy (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ENPH#NASDAQ">ENPH</a>) is expected to report quarterly earnings at $0.76 per share on revenue of $361.15 million. 
• First Busey (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BUSE#NASDAQ">BUSE</a>) is expected to report quarterly earnings at $0.50 per share on revenue of $117.56 million. 
• West Fraser Timber (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFG#NYSE">WFG</a>) is expected to report quarterly earnings at $0.56 per share on revenue of $1.53 billion. 
• Weatherford International (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WFRD#NASDAQ">WFRD</a>) is likely to report quarterly earnings at $0.89 per share on revenue of $1.21 billion. 
• Range Resources (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RRC#NYSE">RRC</a>) is projected to report quarterly earnings at $0.89 per share on revenue of $803.02 million. 
• Agree Realty (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ADC#NYSE">ADC</a>) is expected to report quarterly earnings at $1.05 per share on revenue of $166.00 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 $0.75 per share on revenue of $107.47 million. 
• Brandywine Realty Tr (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BDN#NYSE">BDN</a>) is projected to report quarterly earnings at $0.16 per share on revenue of $119.45 million. 
• MIND Technology (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MIND#NASDAQ">MIND</a>) is expected to report quarterly earnings at $0.18 per share on revenue of $12.20 million. 
• Manhattan Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MANH#NASDAQ">MANH</a>) is estimated to report quarterly earnings at $1.13 per share on revenue of $273.47 million. 
• Trustmark (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRMK#NASDAQ">TRMK</a>) is estimated to report quarterly earnings at $0.82 per share on revenue of $195.35 million. 
• Tesla (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) is estimated to report quarterly earnings at $0.46 per share on revenue of $22.46 billion. 
• East West Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EWBC#NASDAQ">EWBC</a>) is expected to report quarterly earnings at $2.06 per share on revenue of $652.47 million. 
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Earnings Scheduled For April 22, 2025

PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) is gearing up to announce its quarterly earnings on Tuesday, 2025-04-22. Here's a quick overview of what investors should know before the release.
Analysts are estimating that PennyMac Financial Servs will report an earnings per share (EPS) of $2.82.
The market awaits PennyMac Financial Servs's announcement, with hopes high for news of surpassing estimates and providing upbeat guidance for the next quarter.
It's important for new investors to understand that guidance can be a significant driver of stock prices.
<h3>Past Earnings Performance</h3>
In the previous earnings release, the company missed EPS by $0.14, leading to a 8.82% drop in the share price the following trading session.
Here's a look at PennyMac Financial Servs's past performance and the resulting price change:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q4 2024</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>3.02</td>
<td>2.90</td>
<td>2.58</td>
<td>2.31</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>2.88</td>
<td>3.49</td>
<td>2.67</td>
<td>2.48</td>
</tr>
<tr>
<td>Price Change %</td>
<td>-9.0%</td>
<td>-3.0%</td>
<td>-4.0%</td>
<td>-6.0%</td>
</tr>
</tbody>
</table>

<img src="https://www.benzinga.com/files/images/story/2025/1745254880_0.png" alt="eps graph" />
<h3>Stock Performance</h3>
Shares of PennyMac Financial Servs were trading at $97.06 as of April 18. Over the last 52-week period, shares are up 1.54%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release. 
<h3>Analyst Observations about PennyMac Financial Servs</h3>
For investors, grasping market sentiments and expectations in the industry is vital. This analysis explores the latest insights regarding PennyMac Financial Servs.
Analysts have provided PennyMac Financial Servs with 3 ratings, resulting in a consensus rating of Outperform. The average one-year price target stands at $118.0, suggesting a potential 21.57% upside.
<h3>Peer Ratings Comparison</h3>
The following analysis focuses on the analyst ratings and average 1-year price targets of Mr. Cooper Gr and Walker &amp; Dunlop, three prominent industry players, providing insights into their relative performance expectations and market positioning.
<ul>
<li>Analysts currently favor an Outperform trajectory for Mr. Cooper Gr, with an average 1-year price target of $132.56, suggesting a potential 36.58% upside.</li>
<li>Analysts currently favor an Outperform trajectory for Walker &amp; Dunlop, with an average 1-year price target of $101.67, suggesting a potential 4.75% upside.</li>
</ul>
<h3>Summary of Peers Analysis</h3>
In the peer analysis summary, key metrics for Mr. Cooper Gr and Walker &amp; Dunlop are highlighted, providing an understanding of their respective standings within the industry and offering insights into their market positions and comparative performance.

<table>
<thead>
<tr>
<th>Company</th>
<th>Consensus</th>
<th>Revenue Growth</th>
<th>Gross Profit</th>
<th>Return on Equity</th>
</tr>
</thead>
<tbody>
<tr>
<td>PennyMac Financial Servs</td>
<td>Outperform</td>
<td>31.21%</td>
<td>$281.12M</td>
<td>2.76%</td>
</tr>
<tr>
<td>Mr. Cooper Gr</td>
<td>Outperform</td>
<td>54.53%</td>
<td>$464M</td>
<td>4.32%</td>
</tr>
<tr>
<td>Walker &amp; Dunlop</td>
<td>Outperform</td>
<td>24.46%</td>
<td>$156.35M</td>
<td>2.45%</td>
</tr>
</tbody>
</table>

Key Takeaway:
PennyMac Financial Servs ranks highest in gross profit among its peers. It is in the middle for consensus rating and revenue growth. However, it has the lowest return on equity compared to its peers.
<h3>Delving into PennyMac Financial Servs's Background</h3>
PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. residential mortgage loans. The company operates through two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities. The servicing segment performs loan servicing for newly originated loans.
<h3>A Deep Dive into PennyMac Financial Servs's Financials</h3>
Market Capitalization: Surpassing industry standards, the company's market capitalization asserts its dominance in terms of size, suggesting a robust market position.
Revenue Growth: PennyMac Financial Servs displayed positive results in 3 months. As of 31 December, 2024, the company achieved a solid revenue growth rate of approximately 31.21%. 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: PennyMac Financial Servs's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of 14.96%, the company may encounter challenges in effective cost control.
Return on Equity (ROE): PennyMac Financial Servs's ROE excels beyond industry benchmarks, reaching 2.76%. This signifies robust financial management and efficient use of shareholder equity capital.
Return on Assets (ROA): PennyMac Financial Servs's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.43%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 5.37.
<a href="https://www.benzinga.com/quote/PFSI/earnings">To track all earnings releases for PennyMac Financial Servs visit their earnings calendar on our site.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Earnings Preview For PennyMac Financial Servs

UBS analyst Douglas Harter maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Neutral and lowers the price target from $115 to $110.

UBS Maintains Neutral on PennyMac Financial Servs, Lowers Price Target to $110

Keefe, Bruyette &amp; Woods analyst George Bose upgrades PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) from Market Perform to Outperform and maintains the price target from $114 to $114.

Upgrades

Keefe, Bruyette & Woods Upgrades PennyMac Financial Servs to Outperform, Maintains Price Target to $114

Reported Earlier, PennyMac Mortgage Investment Trust Prices $150M Public Offering Of 9.00% Senior Notes Due 2030

PennyMac Financial Services Announced $650M Senior Notes Due 2033 Offering, Guaranteed By Domestic Subsidiaries, For Debt Repayment And Corporate Purposes

WIIM

PennyMac Financial shares are trading lower after Piper Sandler cut its price target on the stock from $132 to $130.

Piper Sandler analyst Crispin Love maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Overweight and lowers the price target from $132 to $130.

Piper Sandler Maintains Overweight on PennyMac Financial Servs, Lowers Price Target to $130

The Q4 earnings report for PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) was released on Thursday, January 30, 2025 at 04:15 PM.
Here's what investors need to know about the latest announcement.
<h3>Earnings</h3>
PennyMac Financial Servs missed estimated earnings by -5.0%, reporting an EPS of $2.88 versus an estimate of $3.02.
Revenue was up $108.17 million from the same period last year.
<h3>Earnings History Overview</h3>
During the previous quarter, the company beat on EPS by $0.59, leading to a 3.0% drop share price change the next day.
Here's a look at PennyMac Financial Servs's past performance:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
<th>Q4 2023</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>2.90</td>
<td>2.58</td>
<td>2.31</td>
<td>1.49</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>3.49</td>
<td>2.67</td>
<td>2.48</td>
<td>2.63</td>
</tr>
<tr>
<td>Revenue Estimate</td>
<td>511.41M</td>
<td>466.57M</td>
<td>432.42M</td>
<td>411.45M</td>
</tr>
<tr>
<td>Revenue Actual</td>
<td>411.83M</td>
<td>406.13M</td>
<td>305.66M</td>
<td>361.94M</td>
</tr>
</tbody>
</table>

To track all earnings releases for PennyMac Financial Servs <a href="https://www.benzinga.com/quote/PFSI/earnings">visit their earnings calendar here.</a> 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

PennyMac Financial Servs: Q4 Earnings Insights

PennyMac Financial Servs Q4 2024 GAAP EPS $1.95 May Not Compare To $3.12 Estimate

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Earnings Scheduled For January 30, 2025

4 Mortgage Stocks Primed to Surge as the Market Rebounds

Press Releases

PennyMac Financial Services, Inc. Announces Proposed Private Offering of $650 Million of Senior Notes

PennyMac Financial Services, Inc. Announces Upsizing and Pricing of Private Offering of $850 Million of Senior Notes

PennyMac Mortgage Investment Trust Declares Second Quarter 2025 Dividends for Its Preferred Shares

PennyMac Mortgage Investment Trust to Present at the Nareit REITweek 2025 Investor Conference

PennyMac Mortgage Investment Trust Announces Public Offering of Senior Notes

PennyMac Mortgage Investment Trust Announces Pricing of Public Offering of Senior Notes

PennyMac Mortgage Investment Trust Declares Second Quarter 2025 Dividend for Its Common Shares

PennyMac Financial Services, Inc. Announces Date for Release of Second Quarter 2025 Results

PennyMac Mortgage Investment Trust Announces Date for Release of Second Quarter 2025 Results

PAPL

UWMC

Enact Holdings

Federal Agricultural Mortgage Corporation Common Stock

Federal Agricultural

Better Home & Finance Holding Company - Class A Common Stock

Better Home & Finance

Mr. Cooper Gr

Essent Group

Finance of America Companies Inc. Class A Common Stock

Finance of America

Greystone Housing Impact Investors LP Beneficial Unit Certificates representing assignments of limited partnership interests

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