Terns Pharma (NASDAQ:TERN) Azioni

TERNS PHARMACEUTICALS INC

Terns Pharma

Terns Pharmaceuticals Inc is a clinical-stage biopharmaceutical company. The company is developing a portfolio of small-molecule single-agent and combination therapy candidates for the treatment of non-alcoholic steatohepatitis, NASH, and other chronic liver diseases. Its product candidates include TERN-701, TERN-601, TERN-501 and TERN-800.

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TERN

Il nuovo farmaco TERN-601 mostra risultati promettenti nella perdita di peso in sole 4 settimane con dosi giornaliere.

Nuovo farmaco promette di far perdere peso in sole 4 settimane

Terns Pharmaceuticals, Inc. - Common Stock

Terns Pharmaceuticals Inc

Tern PLC

TERNIUM ARGENTINA S A by TERNIUM ARGENTINA S A

Terna Energy SA

Terna Energy SA ADR

TRASMISSIONE ELECTR ORD by Terna Rete Elettrica Nazionale SPA

Terna SpA

TERNA RETE ELETTRICA ADR by Terna Rete Elettrica Nazionale SPA

Ternium S.A. Ternium S.A. American Depositary Shares (each representing ten shares, USD1.00 par value)

Ternium SA

Ternoa

Legendary investor Warren Buffett has produced stock market returns that <a href="https://www.benzinga.com/general/education/25/01/42832123/warren-buffett-beats-sp-500-in-2024-how-oracle-of-omahas-returns-compare-over-past-20-years">typically beat the S&amp;P 500 each year.</a>
Known for his long-term investing and buy and hold approach, Buffett may have another trick up his sleeve when talking to CEOs.
Buffett's Desert Island Question: At the 2025 Berkshire Hathaway (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BRK#NYSE">BRK</a>)(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BRK#NYSE">BRK</a>) annual shareholders meeting, Buffett surprised the crowd with the announcement <a href="https://www.benzinga.com/25/05/45184410/warren-buffett-to-step-down-as-berkshire-hathaway-ceo-by-end-of-year-asks-board-to-confirm-greg-abel-as-successor">he would step down</a> as CEO of the company at the end of the year.
While this may have put a somber mood on the weekend's festivities, Buffett also provided many pieces of advice and pearls of wisdom to those in attendance through prepared remarks and question-and-answer segments.
At the shareholder meeting, Buffett gave one piece of advice involving a desert island.
"If you can talk to a CEO, ask them this question: if you were stuck on a desert island for 10 years, which of your competitors' stocks would you buy? And which would you short?" Buffett said, as <a href="https://x.com/andrewrsorkin/status/1918713836305068063">reported </a>by CNBC's Andrew Ross Sorkin.
Buffett added that this question would give CEOs the opportunity put their entire net worth into a competitor's business or bet against a competitor, as <a href="https://www.financialexpress.com/market/warren-buffett-has-two-questions-for-ceos-if-you-were-stuck-on-a-desert-3831812/">reported </a>by Financial Express.
"Every manager enjoys talking about the competition. They're like school kids. I probably gained most of my industry insights just by ensuring they didn't expect me to stick around too long."
You may not be a billionaire like Warren Buffett, but you can uncover hidden gems in the stock market using our proprietary data and pattern recognition — <a href="https://www.benzinga.com/trading-ideas/25/05/45183831/benzingas-stock-whisper-index-5-stocks-investors-secretly-monitor-but-dont-talk-about-yet-63">check out five stocks flying under the radar that deserve your attention.</a>
Why It's Important: Over the years, Buffett has provided plenty of investing advice and tips on how he helped grow the value of Berkshire Hathaway stock.
The desert island question follows an old question of asking people what CDs/music, books, or other forms of entertainment they would want to have if stuck on a desert island for years.
Investing in one stock for 10 years and not being able to sell it could be tense for investors in the current generation of short-term trading and 24-hour trading markets.
The question of CEOs answering which of their competitors stock they would want to own could provide clues about which companies have strong growth, are feared by the competition and have catalysts coming. Likewise, CEOs picking which stock to short could reveal competitors with weaknesses and potential market share losses or other negative items coming.
While this is a desert island indicator of sorts, it's not to be confused with Buffett's "desert island indicator." Buffett previously <a href="https://www.businessinsider.com/buffett-railroad-industry-look-bad-2016-4">said </a>that if he was stuck on a desert island and could only get one financial metric, it would be the number of rail carloads, which he believes is one of the best ways to show the health of the economy.
Read Next: 
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<li><a href="https://www.benzinga.com/general/education/25/05/45208955/warren-buffetts-giant-berkshire-portfolio-top-10-includes-banks-oil-and-apple">Warren Buffett&#8217;s Giant Berkshire Portfolio: Top 10 Includes Banks, Oil, And Apple</a></li>
</ul>
Photo: Shutterstock

Education

Personal Finance

Warren Buffett's CEO Challenge: 'Which Of Your Competitors' Stocks Would You Buy?'

KLA (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/KLAC#NASDAQ">KLAC</a>) has outperformed the market over the past 15 years by 11.47% on an annualized basis producing an average annual return of 22.59%. Currently, KLA has a market capitalization of $92.13 billion. 
Buying $100 In KLAC: If an investor had bought $100 of KLAC stock 15 years ago, it would be worth $2,120.80 today based on a price of $693.29 for KLAC at the time of writing.
<h3>KLA's Performance Over Last 15 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1746487814_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Trading Ideas

KLAC

Here's How Much $100 Invested In KLA 15 Years Ago Would Be Worth Today

American Tower (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AMT#NYSE">AMT</a>) has outperformed the market over the past 20 years by 5.56% on an annualized basis producing an average annual return of 13.78%. Currently, American Tower has a market capitalization of $104.80 billion. 
Buying $1000 In AMT: If an investor had bought $1000 of AMT stock 20 years ago, it would be worth $13,114.82 today based on a price of $223.87 for AMT at the time of writing.
<h3>American Tower's Performance Over Last 20 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1746486917_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

$1000 Invested In American Tower 20 Years Ago Would Be Worth This Much Today

Lowe's Companies (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LOW#NYSE">LOW</a>) has outperformed the market over the past 10 years by 1.45% on an annualized basis producing an average annual return of 11.82%. Currently, Lowe's Companies has a market capitalization of $126.04 billion. 
Buying $1000 In LOW: If an investor had bought $1000 of LOW stock 10 years ago, it would be worth $3,075.53 today based on a price of $225.19 for LOW at the time of writing.
<h3>Lowe's Companies's Performance Over Last 10 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1746486013_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Here's How Much You Would Have Made Owning Lowe's Companies Stock In The Last 10 Years

Following a rocky April opening, thanks largely to aggressive U.S. tariff policy and economic jitters, the S&amp;P 500 has been on a surprising tear, recording its longest string of gains since 2004. 
Along for the ride are two of the most recognizable index-tracking ETFs: Vanguard S&amp;P 500 ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VOO#NYSE">VOO</a>) and State Street&#8217;s SPDR S&amp;P 500 ETF Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>). Though they might look very similar on the surface, recent history has highlighted some distinct differences between the two funds — differences that could be influencing investor behavior in more than one way.
<h1 class="wp-block-heading">Neck And Neck, Temporarily</h1>
VOO and SPY each picked up about 3% during the past week, fueled by healthy tech earnings, <a href="https://www.benzinga.com/economics/macro-economic-events/25/05/45164558/us-adds-177000-jobs-in-april-topping-forecasts-as-economy-navigates-tariff-impact">robust labor market reports</a>, and a collective exhalation of relief regarding <a href="https://www.benzinga.com/government/regulations/25/05/45175235/nasdaq-100-leads-wall-street-rally-as-china-signals-openness-to-fentanyl-talks-easing-trade-tensions">waning trade tensions</a>. But the path to those gains was far from smooth. Trump&#8217;s tariff rollercoaster created historic daily volatility, with the Cboe Volatility Index reaching levels not seen since 2020, in April. And in the midst of the chaos, VOO came out with more than profits, it made investor dollars at a record-breaking rate.
<h1 class="wp-block-heading">Fund Flows</h1>
In a month of wild market fluctuations, VOO <a href="https://www.bloomberg.com/news/articles/2025-05-01/vanguard-s-voo-world-s-biggest-etf-nabs-record-flows-in-april?sref=TBDibEcD">recorded </a>almost $21 billion in inflows, according to data by Bloomberg, its largest monthly total ever. This takes us back to February, when <a href="https://www.benzinga.com/etfs/broad-u-s-equity-etfs/25/02/43794873/vanguard-overtakes-state-street-as-top-etf-provider-3-funds-in-focus">VOO&#8217;s growing popularity propelled it past SPY</a> in terms of total assets. For the year to date, VOO has attracted $55 billion, while SPY has seen a net outflow of $27 billion. In blunt terms: investors appear to be voting with their wallets, and Vanguard is winning the popularity contest.
SPY, after a $2.2 billion inflow during April, is on course to record its worst year of flows since 2015, according to Bloomberg. Many find the slightly higher expense ratio of 0.095% over VOO&#8217;s very low 0.03% difficult to accept, particularly at times of turmoil.
<h1 class="wp-block-heading">Cost &amp; Liquidity: Pay More, Trade More</h1>
SPY&#8217;s primary strength continues to be its liquidity. With more than 77 million in average daily volume, it&#8217;s the most actively traded ETF in America, making it perfect for short-term traders. VOO, though still extremely liquid, averages closer to 8.6 million per day with slightly broader bid-ask spreads. 
<h1 class="wp-block-heading">Structure &amp; Efficiency</h1>
This is where the divergence becomes more distinct. SPY, the old master of ETFs, is a Unit Investment Trust (UIT). That constrains it from reinvesting dividends or lending out securities, both of which might otherwise boost returns. VOO, being an open-end fund, does both. It reinvests dividends until distributed quarterly and lends out securities to generate additional income, bolstering its aggregate return potential.
Tax efficiency also works in VOO&#8217;s favor. Its in-kind creation/redemption feature serves to keep capital gains distributions to a bare minimum, an advantage that SPY, owing to its UIT structure, cannot emulate so well.
<h1 class="wp-block-heading">The Retail Wave</h1>
While SPY continues to lead in gross trading volume, VOO is slowly gaining mindshare among individual investors. Indeed, on sites such as Interactive Brokers, VOO frequently topped the most-traded list last month, which indicates that longer-term investors are moving toward its low-cost, tax-efficient model, Bloomberg reported.
VOO and SPY both offer exposure to the same S&amp;P 500 giants Apple Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>), Microsoft Corp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NASDAQ">MSFT</a>), and NVIDIA Corp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>), but they cater to different investor appetites. SPY is for the high-frequency trader who values lightning-fast execution. VOO is for the buy-and-hold investor who prefers to let compounding and low fees do the heavy lifting.
In this story of two tickers, SPY might still reign supreme in the trading pits, but VOO is quietly and quickly redefining what a heavyweight in the ETF space means.
Read Next:<a href="https://www.benzinga.com/etfs/broad-u-s-equity-etfs/25/05/45203808/etfs-last-week-tech-fueled-rally-powers-gains-during-trade-optimism"> </a> • <a href="https://www.benzinga.com/etfs/broad-u-s-equity-etfs/25/05/45203808/etfs-last-week-tech-fueled-rally-powers-gains-during-trade-optimism">ETFs Last Week: Tech-Fueled Rally Powers Gains During Trade Optimism</a>
Photo: Shutterstock

Broad U.S. Equity ETFs

ETFs

AAPL

MSFT

NVDA

VOO Vs SPY: $21 Billion April Surge Puts VOO Ahead In The S&P 500 ETF Showdown

Howmet Aerospace (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HWM#NYSE">HWM</a>) has outperformed the market over the past 5 years by 50.98% on an annualized basis producing an average annual return of 65.0%. Currently, Howmet Aerospace has a market capitalization of $62.30 billion. 
Buying $100 In HWM: If an investor had bought $100 of HWM stock 5 years ago, it would be worth $1,300.25 today based on a price of $154.34 for HWM at the time of writing.
<h3>Howmet Aerospace's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1746485114_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Here's How Much $100 Invested In Howmet Aerospace 5 Years Ago Would Be Worth Today

IES Hldgs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/IESC#NASDAQ">IESC</a>) has outperformed the market over the past 10 years by 30.26% on an annualized basis producing an average annual return of 40.64%. Currently, IES Hldgs has a market capitalization of $4.84 billion. 
Buying $100 In IESC: If an investor had bought $100 of IESC stock 10 years ago, it would be worth $2,961.85 today based on a price of $242.00 for IESC at the time of writing.
<h3>IES Hldgs's Performance Over Last 10 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1746484219_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

IESC

Here's How Much You Would Have Made Owning IES Hldgs Stock In The Last 10 Years

Bill Gates might be the world's most famous college dropout. But when his youngest daughter, <a href="https://www.benzinga.com/personal-finance/25/04/44937340/im-a-nepo-baby-phoebe-gates-opens-up-on-privilege-pressure-and-her-billionaire-dads-college-warning">Phoebe Gates</a>, thought about doing the same, her dad refused to let her follow in his footsteps.
<a href="https://youtu.be/hIEjxknAU0w?si=-FaZKXt2esQ0ZZTO">On her new podcast</a>, "The Burnouts", which launched last month, Phoebe and co-host, Sophia Kianni, opened up about the ups and downs of launching their digital fashion startup, Phia. Eventually, the conversation turned to family—and how her parents reacted when Phoebe floated the idea of starting her own business.
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Sophia pointed out what everyone's thinking: Phoebe grew up hearing about how her dad followed his dreams, took big risks, and failed more than once before changing the world with Microsoft (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NASDAQ">MSFT</a>).
That's when Phoebe laughed and dropped a revelation.
"It's funny to hear you say that because I literally never remember my dad talking about the start of Microsoft," she said. "I mostly just remember him talking about the foundation. I remember even when <a href="https://www.benzinga.com/25/04/45026632/bill-gates-says-luckily-his-daughter-phoebe-gates-never-asked-him-to-back-her-business">we wanted to start the company</a>, him being like, ‘Are you sure you want to do this?'"
Phoebe explained that her siblings, Jennifer and Rory, had taken more traditional paths—medicine and academia—with fewer risks involved. But when Phoebe brought up the idea of dropping out of Stanford to focus on her startup, her parents shut it down fast.
"They were very much like, you need to finish your degree. You don't just get to, like, drop out and do a company," Phoebe said. "Which is so funny because my dad literally did that."
Trending: <a href="https://www.benzinga.com/money/are-you-rich">Are you rich?</a> Here&#8217;s what Americans think you need to be considered wealthy.
And unlike her dad, Phoebe listened. She graduated early from Stanford University last June with a degree in human biology—a deadline she pushed for so she could watch her mom, <a href="https://www.benzinga.com/real-estate/25/04/44891233/bill-gates-bought-his-daughter-a-16-million-horse-farm-as-a-graduation-gift-but-ex-wife-melinda-says">Melinda French Gates</a>, give the commencement speech that year.
"I knew I had to make it happen if I could, because I wanted to watch my mother deliver this year's commencement speech as a graduate," Phoebe told <a href="https://www.nylon.com/life/phoebe-gates-stanford-graduation-diary">Nylon in an interview</a>.
Now 22, Phoebe isn't just following the family's philanthropic legacy—she's adding entrepreneurship to the mix. Her startup, Phia, officially launched this month. It's an AI-powered shopping tool designed to help users compare prices across more than 40,000 retail and secondhand fashion sites. "Phia is like Google Flights for fashion," Phoebe and Sophia <a href="https://www.instagram.com/reel/DI4Br3-O76N/?igsh=bHhmbDR6ZnNreDNt">explained on the conpany's official Instagram</a>.
While Phoebe acknowledges the privileges she grew up with, she's determined to carve her own path.
"Growing up, I realized that people are always going to have thoughts about me," she told <a href="https://www.nytimes.com/2025/04/24/style/phoebe-gates-bill-gates-resale-phia.html">The New York Times</a>. "If the business is successful, people will say, ‘It's because of her family.' And a huge portion of that is true… But I also feel a huge amount of internalized pressure."
So, no—Bill Gates didn't want another dropout in the family. But Phoebe still found a way to chase big dreams, just with a diploma in hand.
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<li>Donald Trump just announced a $500 billion AI infrastructure deal — <a href="https://www.benzinga.com/money/seize-a-share-while-you-still-can-in-the-2-trillion-entertainment-market-with-elf-labs-at-just-2-25-share">here's how you can invest in the entertainment market's next big disruptor at $2.25 per share</a>.</li>
</ul>
Image: Shutterstock

Bill Gates' Daughter Says She 'Literally Never' Hears Him Talk About Microsoft — And Finds It 'So Funny' He Wouldn't Let Her Drop Out Like He Did

COST rises throughout the session after alert
<figure class="wp-block-image size-large"><img decoding="async" src="https://contributor-assets.benzinga.com/wp-content/uploads/2025/05/05205548/Screenshot-2025-05-05-at-4.53.33%E2%80%AFPM-1013x1024.png" alt="" class="wp-image-12353" /></figure>
Costco, Inc. (COST) today experienced a Power Inflow, a significant event for those who follow where smart money goes and value order flow analytics in their trading decisions.&nbsp;
Today, at 10:03 AM on May 5th, a significant trading signal occurred for Costco, Inc. (COST) as it demonstrated a Power Inflow at a price of $1006.24. This indicator is crucial for traders who want to know directionally where institutions and so-called "smart money" moves in the market. They see the value of utilizing order flow analytics to guide their trading decisions. The Power Inflow points to a possible uptrend in Costco&#8217;s stock, marking a potential entry point for traders looking to capitalize on the expected upward movement. Traders with this signal closely watch for sustained momentum in Costco&#8217;s stock price, interpreting this event as a bullish sign.
Signal description
Order flow analytics, aka transaction or market flow analysis, separate and study both the retail and institutional volume rate of orders (flow). It involves analyzing the flow of buy and sell orders, along with size, timing, and other associated characteristics and patterns, to gain insights and make more informed trading decisions. This particular indicator is interpreted as a bullish signal by active traders.&nbsp;
The Power Inflow occurs within the first two hours of the market open and generally signals the trend that helps gauge the stock&#8217;s overall direction, powered by institutional activity in the stock, for the remainder of the day.&nbsp;
By incorporating order flow analytics into their trading strategies, market participants can better interpret market conditions, identify trading opportunities, and potentially improve their trading performance. But let's not forget that while watching smart money flow can provide valuable insights, it is crucial to incorporate effective risk management strategies to protect capital and mitigate potential losses. Employing a consistent and effective risk management plan helps traders navigate the uncertainties of the market in a more controlled and calculated manner, increasing the likelihood of long-term success
If you want to stay updated on the latest options trades for COST, <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a> gives you real-time options trades alerts.&nbsp;
<a href="https://benzinga.com/apis?_gl=1&#x2A;1hlgn5i&#x2A;_ga&#x2A;MTY1NjE2NTYxMi4xNzE0NzQ4MTAy&#x2A;_ga_V7ZK73W7N0&#x2A;MTcxNDc0ODEwMi4xLjEuMTcxNDc0ODQyOC4wLjAuMA..">Market News and Data brought to you by Benzinga APIs</a> and include firms, like <a href="https://tradepulse.net/?utm_source=benzinga&amp;utm_medium=article&amp;utm_campaign=brand_awareness_apr2025">https://tradepulse.net/?utm_source=benzinga&amp;utm_medium=article&amp;utm_campaign=brand_awareness_apr2025</a>, which are responsible for parts of the data within this article. 
&#xA9; 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.
After Market Close UPDATE:
The price at the time of the Power Inflow was $1006.24. The returns on the High price ($1017.51) and Close price ($1014.89) after the Power Inflow are respectively 1.1% and 0.86%. The result underlines the importance of a trading plan that includes Profit Targets and Stop Losses that reflect your risk appetite.
Results are not indicative of future results

WIIM

Technicals

Opinion

Signals

COST

Costco Shares Up Over 1% After Key Signal

Douglas Dynamics (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PLOW#NYSE">PLOW</a>) affirms FY2025 Adj EPS guidance from $1.30-$2.10 to $1.30-$2.10 vs $1.85 analyst estimate. Affirms FY2025 sales outlook from $610.00 million-$650.00 million to $610.00 million-$650.00 million vs $627.63 million estimate.

Guidance

PLOW

Douglas Dynamics Affirms FY2025 Adj EPS Guidance of $1.30-$2.10 vs $1.85 Est; Affirms FY2025 Sales Guidance of $610.00M-$650.00M vs $627.63M Est

Douglas Dynamics (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PLOW#NYSE">PLOW</a>) reported quarterly earnings of $0.09 per share which beat the analyst consensus estimate of $(0.06) by 250 percent. This is a 131.03 percent increase over losses of $(0.29) per share from the same period last year. The company reported quarterly sales of $115.07 million which beat the analyst consensus estimate of $107.80 million by 6.74 percent. This is a 20.29 percent increase over sales of $95.66 million the same period last year.

Earnings

Earnings Beats

Douglas Dynamics Q1 Adj. EPS $0.09 Beats $(0.06) Estimate, Sales $115.07M Beat $107.80M Estimate

LGI Homes, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LGIH#NASDAQ">LGIH</a>) today announced it closed 450 homes in April 2025.
As of April 30, 2025, the Company had 147 active selling communities.

LGIH

LGI Homes Announces It Closed 450 Homes In April 2025.

BlackRock (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BLK#NYSE">BLK</a>) has outperformed the market over the past 20 years by 5.09% on an annualized basis producing an average annual return of 13.31%. Currently, BlackRock has a market capitalization of $142.70 billion. 
Buying $100 In BLK: If an investor had bought $100 of BLK stock 20 years ago, it would be worth $1,212.98 today based on a price of $920.53 for BLK at the time of writing.
<h3>BlackRock's Performance Over Last 20 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1746483312_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

$100 Invested In BlackRock 20 Years Ago Would Be Worth This Much Today

Armada Hoffler (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AHH#NYSE">AHH</a>) today announced it has reached an agreement with its joint venture partner, Beatty Development Group, to acquire full ownership and control of Allied &#x7C; Harbor Point, a 312-unit multifamily asset located in Harbor Point Baltimore. The transaction aligns with the company's strategic initiative to simplify its business, create synergies with existing assets and enhance long-term value.
Under the terms of the agreement, Armada Hoffler will acquire the partner's minority interest in the property, transitioning from joint venture ownership to sole ownership. The acquisition is expected to close in June, subject to customary closing conditions.

Armada Hoffler Acquires Full Ownership Of Allied | Harbor Point; No Financial Terms Disclosed

2025 OUTLOOK
We continue to anticipate 2025 diluted earnings per share to be in the range of $5.68 to $6.08. We expect our earnings mix in 2025 to be approximately 39% from our Electric segment and 61% from our Manufacturing and Plastics segments, net of corporate costs. Our anticipated earnings mix in 2025 deviates from our long-term expected earnings mix of 65% Electric / 35% Non-Electric as we expect Plastics segment earnings to remain elevated in 2025 compared to our long-term view of normal earnings for this segment.
The segment components of our 2025 diluted earnings per share guidance compared with actual earnings for 2024 are as follows:
<figure class="table"> 
<table>
<tbody>
<tr>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="2">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="3" rowspan="1">2024 EPS</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="7" rowspan="1">2025 EPS Guidance</td>
</tr>
<tr>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="3" rowspan="1">by Segment</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="3" rowspan="1">Low</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="3" rowspan="1">High</td>
</tr>
<tr>
<td colspan="1" rowspan="1">Electric</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">$</td>
<td colspan="1" rowspan="1">2.16</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">$</td>
<td colspan="1" rowspan="1">2.29</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">$</td>
<td colspan="1" rowspan="1">2.35</td>
<td colspan="1" rowspan="1">&nbsp;</td>
</tr>
<tr>
<td colspan="1" rowspan="1">Manufacturing</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">0.33</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">0.21</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">0.27</td>
<td colspan="1" rowspan="1">&nbsp;</td>
</tr>
<tr>
<td colspan="1" rowspan="1">Plastics</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">4.77</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">3.26</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">3.50</td>
<td colspan="1" rowspan="1">&nbsp;</td>
</tr>
<tr>
<td colspan="1" rowspan="1">Corporate</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">(0.09</td>
<td colspan="1" rowspan="1">)</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">(0.08</td>
<td colspan="1" rowspan="1">)</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">(0.04</td>
<td colspan="1" rowspan="1">)</td>
</tr>
<tr>
<td colspan="1" rowspan="1">Total</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">$</td>
<td colspan="1" rowspan="1">7.17</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">$</td>
<td colspan="1" rowspan="1">5.68</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">$</td>
<td colspan="1" rowspan="1">6.08</td>
<td colspan="1" rowspan="1">&nbsp;</td>
</tr>
<tr>
<td colspan="1" rowspan="1">Return on Equity</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">19.3</td>
<td colspan="1" rowspan="1">%</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">13.8</td>
<td colspan="1" rowspan="1">%</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">14.6</td>
<td colspan="1" rowspan="1">%</td>
</tr>
<tr>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td colspan="1" rowspan="1">&nbsp;</td>
<td>&nbsp;</td>
</tr>
</tbody>
</table>
</figure>
 &nbsp;

OTTR

Otter Tail Affirms FY2025 GAAP EPS Guidance Of $5.68-$6.08 Vs $6.20 Est

Otter Tail (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/OTTR#NASDAQ">OTTR</a>) reported quarterly earnings of $1.62 per share which beat the analyst consensus estimate of $1.53 by 5.88 percent. This is a 8.47 percent decrease over earnings of $1.77 per share from the same period last year. The company reported quarterly sales of $337.35 million which missed the analyst consensus estimate of $349.71 million by 3.53 percent. This is a 2.80 percent decrease over sales of $347.07 million the same period last year.

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Otter Tail Q1 EPS $1.62 Beats $1.53 Estimate, Sales $337.35M Miss $349.71M Estimate

Most people dream of entering retirement debt-free and set for the golden years. Mary, a 59-year-old from Florida, thought she was making all the right moves. She sold her $518,000 home, wiped out nearly all her debt, and called the "<a href="https://youtu.be/8LBLIBirxzo?si=HXRQwPtgmSI06ET9">Dave Ramsey Show</a>" feeling optimistic. But what seemed like a financial win quickly turned into a reality check.
"I just recently sold my home and paid off almost all of my debt," Mary told Ramsey. "But I'm 59 and I do not have any money in retirement."
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Her plan? Use the remaining $290,000 from the sale to either buy another home or beef up her investments. She hoped Ramsey would greenlight putting most of it into an investment account and maybe taking on a small mortgage.
That's when he hit her with the truth bomb.
"If you do not have a paid-for house when you're through working, you're going to have a major problem," Ramsey warned. "It destabilizes your whole situation."
Mary's instincts were understandable. According to the Nationwide Retirement Institute's Advisor Authority 2024 study, about <a href="https://news.nationwide.com/more-than-a-quarter-of-retired-investors-continue-to-pay-off-mortgage-and-credit-card-debt/">26% of retirees still carry a mortgage</a>—a number that's steadily rising. And the Federal Reserve's most recent <a href="https://www.federalreserve.gov/econres/scf/dataviz/scf/chart/#series:Before_Tax_Income;demographic:all;population:all;units:median">Survey of Consumer Finances</a> found that retirees aged 65 to 74 carry an average debt of $134,950, including mortgages, credit cards, and car loans. Experts widely agree that entering retirement without a paid-off home can stretch limited retirement income dangerously thin.
Trending: Many are using retirement income calculators to check if they&#8217;re on pace —<a href="https://www.benzinga.com/money/how-do-i-calculate-my-retirement-income-adv"> here&#8217;s a breakdown on what&#8217;s behind this formula.</a>
Ramsey's advice? Skip the mortgage entirely.
He proposed Mary buy a modest $200,000 home outright, pay off her car lease, and use the remaining funds to kick-start her retirement investments. "I would live in that $200,000 house for three to five years while I got my nest egg roaring," he said.
Ramsey also stressed a broader point that many retirees—and even financial advisors—emphasize: <a href="https://www.benzinga.com/markets/25/04/44861839/dave-ramsey-said-he-made-so-much-money-during-the-2008-crash-it-was-ridiculous-picked-up-millions-in">housing stability is just as important</a> as retirement savings. Without a paid-off home, even a solid nest egg can quickly drain under the weight of monthly mortgage payments.
And while Mary's $70,000-a-year income from her small business bookkeeping isn't bad, Ramsey noted she had to prove to herself she could save aggressively going forward. "You've not saved a dime in 59 years on the planet," he pointed out bluntly. "So you got some proving to do to yourself—not to me, but to yourself—that you can do this."
See Also: <a href="https://www.benzinga.com/money/gbr-savings-by-age">If You're Age 35, 50, or 60: Here&#8217;s How Much You Should Have Saved Vs. Invested By Now</a>
His long-term plan? Get her to $500,000 in retirement savings over the next decade or so. Only then, he said, should she even consider moving up to a more expensive home—paid in full, of course.
The irony of Mary's situation wasn't lost on listeners. What looked like a smart, debt-free move—selling the home—actually put her at risk of <a href="https://www.benzinga.com/money/smartasset">financial instability in retirement</a>.
As Ramsey put it, retiring with "zero money or close to zero money and a nice paid-for house is not a plan." And selling your house without a retirement plan? Well, that's just trading one problem for another.
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Image: Shutterstock

59-Year-Old Sold Her $518k House To Pay Off Debt —But Dave Ramsey Warns She's Now Facing A 'Major Problem' Heading Into Retirement Without A Home

Macquarie analyst Aaron Lee maintains Roblox (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RBLX#NYSE">RBLX</a>) with a Outperform and raises the price target from $76 to $80.

Price Target

Analyst Ratings

RBLX

Macquarie Maintains Outperform on Roblox, Raises Price Target to $80

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CMCSA

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Citigroup analyst Atif Malik maintains Advanced Energy Indus (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AEIS#NASDAQ">AEIS</a>) with a Buy and raises the price target from $138 to $140.

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