http://www.streetinsider.com Latest StreetInsider.com News Articles en-us Copyright 2026, StreetInsider.com rss@streetinsider.com (SI RSS) rss@streetinsider.com (SI RSS) Mon, 03 Aug 2026 07:06:39 -0400 http://blogs.law.harvard.edu/tech/rss http://www.streetinsider.com/images/rss_logo.gif http://www.streetinsider.com 143 28 0 1 2 3 21 22 23 Saturday Sunday http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html <p>Investing.com -- Raymond James released an analysis of second quarter 2026 earnings for banks with more than $750 million in assets. As of Friday, July 31, 378 out of 429 publicly traded banks, or 88%, had reported results.</p><p>About 66% of reporting banks exceeded consensus forecasts, slightly below the 67% beat rate in the first quarter but still strong. Revenue grew 3.9% at the median, compared to 0.1% in the first quarter and 5.2% in the second quarter of 2025.</p><p>The median net interest margin expanded 5 basis points from the first quarter to 3.70%. Earning asset yields rose 5 basis points http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html Mon, 03 Aug 2026 07:06:39 -0400 FITB HBAN KRE MTB RF RJF WAL XLF ZION http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html <p>Investing.com -- Raymond James released an analysis of second quarter 2026 earnings for banks with more than $750 million in assets. As of Friday, July 31, 378 out of 429 publicly traded banks, or 88%, had reported results.</p><p>About 66% of reporting banks exceeded consensus forecasts, slightly below the 67% beat rate in the first quarter but still strong. Revenue grew 3.9% at the median, compared to 0.1% in the first quarter and 5.2% in the second quarter of 2025.</p><p>The median net interest margin expanded 5 basis points from the first quarter to 3.70%. Earning asset yields rose 5 basis points http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html Mon, 03 Aug 2026 07:06:39 -0400 FITB HBAN KRE MTB RF RJF WAL XLF ZION http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html <p>Investing.com -- Raymond James released an analysis of second quarter 2026 earnings for banks with more than $750 million in assets. As of Friday, July 31, 378 out of 429 publicly traded banks, or 88%, had reported results.</p><p>About 66% of reporting banks exceeded consensus forecasts, slightly below the 67% beat rate in the first quarter but still strong. Revenue grew 3.9% at the median, compared to 0.1% in the first quarter and 5.2% in the second quarter of 2025.</p><p>The median net interest margin expanded 5 basis points from the first quarter to 3.70%. Earning asset yields rose 5 basis points http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html Mon, 03 Aug 2026 07:06:39 -0400 FITB HBAN KRE MTB RF RJF WAL XLF ZION http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html <p>Investing.com -- Raymond James released an analysis of second quarter 2026 earnings for banks with more than $750 million in assets. As of Friday, July 31, 378 out of 429 publicly traded banks, or 88%, had reported results.</p><p>About 66% of reporting banks exceeded consensus forecasts, slightly below the 67% beat rate in the first quarter but still strong. Revenue grew 3.9% at the median, compared to 0.1% in the first quarter and 5.2% in the second quarter of 2025.</p><p>The median net interest margin expanded 5 basis points from the first quarter to 3.70%. Earning asset yields rose 5 basis points http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html Mon, 03 Aug 2026 07:06:39 -0400 FITB HBAN KRE MTB RF RJF WAL XLF ZION http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html <p>Investing.com -- Raymond James released an analysis of second quarter 2026 earnings for banks with more than $750 million in assets. As of Friday, July 31, 378 out of 429 publicly traded banks, or 88%, had reported results.</p><p>About 66% of reporting banks exceeded consensus forecasts, slightly below the 67% beat rate in the first quarter but still strong. Revenue grew 3.9% at the median, compared to 0.1% in the first quarter and 5.2% in the second quarter of 2025.</p><p>The median net interest margin expanded 5 basis points from the first quarter to 3.70%. Earning asset yields rose 5 basis points http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html Mon, 03 Aug 2026 07:06:39 -0400 FITB HBAN KRE MTB RF RJF WAL XLF ZION http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html <p>Investing.com -- Raymond James released an analysis of second quarter 2026 earnings for banks with more than $750 million in assets. As of Friday, July 31, 378 out of 429 publicly traded banks, or 88%, had reported results.</p><p>About 66% of reporting banks exceeded consensus forecasts, slightly below the 67% beat rate in the first quarter but still strong. Revenue grew 3.9% at the median, compared to 0.1% in the first quarter and 5.2% in the second quarter of 2025.</p><p>The median net interest margin expanded 5 basis points from the first quarter to 3.70%. Earning asset yields rose 5 basis points http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html Mon, 03 Aug 2026 07:06:39 -0400 FITB HBAN KRE MTB RF RJF WAL XLF ZION http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html <p>Investing.com -- Raymond James released an analysis of second quarter 2026 earnings for banks with more than $750 million in assets. As of Friday, July 31, 378 out of 429 publicly traded banks, or 88%, had reported results.</p><p>About 66% of reporting banks exceeded consensus forecasts, slightly below the 67% beat rate in the first quarter but still strong. Revenue grew 3.9% at the median, compared to 0.1% in the first quarter and 5.2% in the second quarter of 2025.</p><p>The median net interest margin expanded 5 basis points from the first quarter to 3.70%. Earning asset yields rose 5 basis points http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html Mon, 03 Aug 2026 07:06:39 -0400 FITB HBAN KRE MTB RF RJF WAL XLF ZION http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html <p>Investing.com -- Raymond James released an analysis of second quarter 2026 earnings for banks with more than $750 million in assets. As of Friday, July 31, 378 out of 429 publicly traded banks, or 88%, had reported results.</p><p>About 66% of reporting banks exceeded consensus forecasts, slightly below the 67% beat rate in the first quarter but still strong. Revenue grew 3.9% at the median, compared to 0.1% in the first quarter and 5.2% in the second quarter of 2025.</p><p>The median net interest margin expanded 5 basis points from the first quarter to 3.70%. Earning asset yields rose 5 basis points http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html Mon, 03 Aug 2026 07:06:39 -0400 FITB HBAN KRE MTB RF RJF WAL XLF ZION http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html <p>Investing.com -- Raymond James released an analysis of second quarter 2026 earnings for banks with more than $750 million in assets. As of Friday, July 31, 378 out of 429 publicly traded banks, or 88%, had reported results.</p><p>About 66% of reporting banks exceeded consensus forecasts, slightly below the 67% beat rate in the first quarter but still strong. Revenue grew 3.9% at the median, compared to 0.1% in the first quarter and 5.2% in the second quarter of 2025.</p><p>The median net interest margin expanded 5 basis points from the first quarter to 3.70%. Earning asset yields rose 5 basis points http://www.streetinsider.com/General+News/Raymond+James+reports+banking+sector+earnings+trends+for+2Q26/26853795.html Mon, 03 Aug 2026 07:06:39 -0400 FITB HBAN KRE MTB RF RJF WAL XLF ZION http://www.streetinsider.com/General+News/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html <p>Investing.com -- Morgan Stanley sees the recent equity market correction as a digestion of peak rates of change in earnings revisions and liquidity, arguing that the pullback supports a broadening of market leadership toward under-owned cyclical sectors including Consumer Discretionary, Transports, and Regional Banks.</p><p>Strategist Michael Wilson told investors in a note that the correction, led by memory stocks, is "primarily about the peak rate of change in earnings revisions breadth (ERB) for many leading stocks and liquidity." </p><p dir="ltr">He characterized such transitions as normal during earnings bull markets, particularly explosive ones, adding that "the earnings bull market remains intact" as http://www.streetinsider.com/General+News/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html Mon, 15 Jun 2026 07:19:03 -0400 IYT KRE QQQ SPLRCD SPY http://www.streetinsider.com/General+News/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html <p>Investing.com -- Morgan Stanley sees the recent equity market correction as a digestion of peak rates of change in earnings revisions and liquidity, arguing that the pullback supports a broadening of market leadership toward under-owned cyclical sectors including Consumer Discretionary, Transports, and Regional Banks.</p><p>Strategist Michael Wilson told investors in a note that the correction, led by memory stocks, is "primarily about the peak rate of change in earnings revisions breadth (ERB) for many leading stocks and liquidity." </p><p dir="ltr">He characterized such transitions as normal during earnings bull markets, particularly explosive ones, adding that "the earnings bull market remains intact" as http://www.streetinsider.com/General+News/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html Mon, 15 Jun 2026 07:19:03 -0400 IYT KRE QQQ SPLRCD SPY http://www.streetinsider.com/General+News/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html <p>Investing.com -- Morgan Stanley sees the recent equity market correction as a digestion of peak rates of change in earnings revisions and liquidity, arguing that the pullback supports a broadening of market leadership toward under-owned cyclical sectors including Consumer Discretionary, Transports, and Regional Banks.</p><p>Strategist Michael Wilson told investors in a note that the correction, led by memory stocks, is "primarily about the peak rate of change in earnings revisions breadth (ERB) for many leading stocks and liquidity." </p><p dir="ltr">He characterized such transitions as normal during earnings bull markets, particularly explosive ones, adding that "the earnings bull market remains intact" as http://www.streetinsider.com/General+News/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html Mon, 15 Jun 2026 07:19:03 -0400 IYT KRE QQQ SPLRCD SPY http://www.streetinsider.com/General+News/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html <p>Investing.com -- Morgan Stanley sees the recent equity market correction as a digestion of peak rates of change in earnings revisions and liquidity, arguing that the pullback supports a broadening of market leadership toward under-owned cyclical sectors including Consumer Discretionary, Transports, and Regional Banks.</p><p>Strategist Michael Wilson told investors in a note that the correction, led by memory stocks, is "primarily about the peak rate of change in earnings revisions breadth (ERB) for many leading stocks and liquidity." </p><p dir="ltr">He characterized such transitions as normal during earnings bull markets, particularly explosive ones, adding that "the earnings bull market remains intact" as http://www.streetinsider.com/General+News/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html Mon, 15 Jun 2026 07:19:03 -0400 IYT KRE QQQ SPLRCD SPY http://www.streetinsider.com/General+News/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html <p>Investing.com -- Morgan Stanley sees the recent equity market correction as a digestion of peak rates of change in earnings revisions and liquidity, arguing that the pullback supports a broadening of market leadership toward under-owned cyclical sectors including Consumer Discretionary, Transports, and Regional Banks.</p><p>Strategist Michael Wilson told investors in a note that the correction, led by memory stocks, is "primarily about the peak rate of change in earnings revisions breadth (ERB) for many leading stocks and liquidity." </p><p dir="ltr">He characterized such transitions as normal during earnings bull markets, particularly explosive ones, adding that "the earnings bull market remains intact" as http://www.streetinsider.com/General+News/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html Mon, 15 Jun 2026 07:19:03 -0400 IYT KRE QQQ SPLRCD SPY http://www.streetinsider.com/Investing/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html <p>Investing.com -- Morgan Stanley sees the recent equity market correction as a digestion of peak rates of change in earnings revisions and liquidity, arguing that the pullback supports a broadening of market leadership toward under-owned cyclical sectors including Consumer Discretionary, Transports, and Regional Banks.</p><p>Strategist Michael Wilson told investors in a note that the correction, led by memory stocks, is "primarily about the peak rate of change in earnings revisions breadth (ERB) for many leading stocks and liquidity." </p><p dir="ltr">He characterized such transitions as normal during earnings bull markets, particularly explosive ones, adding that "the earnings bull market remains intact" as http://www.streetinsider.com/Investing/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html Mon, 15 Jun 2026 07:19:03 -0400 IYT KRE QQQ SPLRCD SPY http://www.streetinsider.com/Investing/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html <p>Investing.com -- Morgan Stanley sees the recent equity market correction as a digestion of peak rates of change in earnings revisions and liquidity, arguing that the pullback supports a broadening of market leadership toward under-owned cyclical sectors including Consumer Discretionary, Transports, and Regional Banks.</p><p>Strategist Michael Wilson told investors in a note that the correction, led by memory stocks, is "primarily about the peak rate of change in earnings revisions breadth (ERB) for many leading stocks and liquidity." </p><p dir="ltr">He characterized such transitions as normal during earnings bull markets, particularly explosive ones, adding that "the earnings bull market remains intact" as http://www.streetinsider.com/Investing/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html Mon, 15 Jun 2026 07:19:03 -0400 IYT KRE QQQ SPLRCD SPY http://www.streetinsider.com/Investing/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html <p>Investing.com -- Morgan Stanley sees the recent equity market correction as a digestion of peak rates of change in earnings revisions and liquidity, arguing that the pullback supports a broadening of market leadership toward under-owned cyclical sectors including Consumer Discretionary, Transports, and Regional Banks.</p><p>Strategist Michael Wilson told investors in a note that the correction, led by memory stocks, is "primarily about the peak rate of change in earnings revisions breadth (ERB) for many leading stocks and liquidity." </p><p dir="ltr">He characterized such transitions as normal during earnings bull markets, particularly explosive ones, adding that "the earnings bull market remains intact" as http://www.streetinsider.com/Investing/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html Mon, 15 Jun 2026 07:19:03 -0400 IYT KRE QQQ SPLRCD SPY http://www.streetinsider.com/Investing/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html <p>Investing.com -- Morgan Stanley sees the recent equity market correction as a digestion of peak rates of change in earnings revisions and liquidity, arguing that the pullback supports a broadening of market leadership toward under-owned cyclical sectors including Consumer Discretionary, Transports, and Regional Banks.</p><p>Strategist Michael Wilson told investors in a note that the correction, led by memory stocks, is "primarily about the peak rate of change in earnings revisions breadth (ERB) for many leading stocks and liquidity." </p><p dir="ltr">He characterized such transitions as normal during earnings bull markets, particularly explosive ones, adding that "the earnings bull market remains intact" as http://www.streetinsider.com/Investing/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html Mon, 15 Jun 2026 07:19:03 -0400 IYT KRE QQQ SPLRCD SPY http://www.streetinsider.com/Investing/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html <p>Investing.com -- Morgan Stanley sees the recent equity market correction as a digestion of peak rates of change in earnings revisions and liquidity, arguing that the pullback supports a broadening of market leadership toward under-owned cyclical sectors including Consumer Discretionary, Transports, and Regional Banks.</p><p>Strategist Michael Wilson told investors in a note that the correction, led by memory stocks, is "primarily about the peak rate of change in earnings revisions breadth (ERB) for many leading stocks and liquidity." </p><p dir="ltr">He characterized such transitions as normal during earnings bull markets, particularly explosive ones, adding that "the earnings bull market remains intact" as http://www.streetinsider.com/Investing/Morgan+Stanley+outlines+sectors+set+to+benefit+from+market+broadening/26644174.html Mon, 15 Jun 2026 07:19:03 -0400 IYT KRE QQQ SPLRCD SPY http://www.streetinsider.com/Investing/Morgan+Stanley+turns+more+positive+on+cyclicals+as+earnings+momentum+broadens/26579282.html <p>Investing.com -- Morgan Stanley analyst Michael Wilson is growing more constructive on economically sensitive sectors, pointing to improving earnings revisions across Consumer Discretionary, Transportation and Financials as a sign that the cyclical recovery is broadening.</p><p>Consumer Discretionary Goods has outperformed the S&P 500 by roughly 6% over the past two weeks as yields and crude oil pulled back from recent highs. </p><p dir="ltr">Wilson said earnings revisions for the group have begun inflecting higher again and that lighter positioning had set the stage for a catch-up trade once yields eased modestly.</p><p dir="ltr">Within Industrials and Financials, Morgan Stanley said "the risk/reward is greatest http://www.streetinsider.com/Investing/Morgan+Stanley+turns+more+positive+on+cyclicals+as+earnings+momentum+broadens/26579282.html Mon, 01 Jun 2026 07:35:16 -0400 AMZN CBC CIA FITB HBAN KRE ORCL PB SPLRCD SPXSTN UNH ZION http://www.streetinsider.com/Investing/Morgan+Stanley+turns+more+positive+on+cyclicals+as+earnings+momentum+broadens/26579282.html <p>Investing.com -- Morgan Stanley analyst Michael Wilson is growing more constructive on economically sensitive sectors, pointing to improving earnings revisions across Consumer Discretionary, Transportation and Financials as a sign that the cyclical recovery is broadening.</p><p>Consumer Discretionary Goods has outperformed the S&P 500 by roughly 6% over the past two weeks as yields and crude oil pulled back from recent highs. </p><p dir="ltr">Wilson said earnings revisions for the group have begun inflecting higher again and that lighter positioning had set the stage for a catch-up trade once yields eased modestly.</p><p dir="ltr">Within Industrials and Financials, Morgan Stanley said "the risk/reward is greatest http://www.streetinsider.com/Investing/Morgan+Stanley+turns+more+positive+on+cyclicals+as+earnings+momentum+broadens/26579282.html Mon, 01 Jun 2026 07:35:16 -0400 AMZN CBC CIA FITB HBAN KRE ORCL PB SPLRCD SPXSTN UNH ZION http://www.streetinsider.com/Investing/Morgan+Stanley+turns+more+positive+on+cyclicals+as+earnings+momentum+broadens/26579282.html <p>Investing.com -- Morgan Stanley analyst Michael Wilson is growing more constructive on economically sensitive sectors, pointing to improving earnings revisions across Consumer Discretionary, Transportation and Financials as a sign that the cyclical recovery is broadening.</p><p>Consumer Discretionary Goods has outperformed the S&P 500 by roughly 6% over the past two weeks as yields and crude oil pulled back from recent highs. </p><p dir="ltr">Wilson said earnings revisions for the group have begun inflecting higher again and that lighter positioning had set the stage for a catch-up trade once yields eased modestly.</p><p dir="ltr">Within Industrials and Financials, Morgan Stanley said "the risk/reward is greatest http://www.streetinsider.com/Investing/Morgan+Stanley+turns+more+positive+on+cyclicals+as+earnings+momentum+broadens/26579282.html Mon, 01 Jun 2026 07:35:16 -0400 AMZN CBC CIA FITB HBAN KRE ORCL PB SPLRCD SPXSTN UNH ZION http://www.streetinsider.com/Investing/Morgan+Stanley+turns+more+positive+on+cyclicals+as+earnings+momentum+broadens/26579282.html <p>Investing.com -- Morgan Stanley analyst Michael Wilson is growing more constructive on economically sensitive sectors, pointing to improving earnings revisions across Consumer Discretionary, Transportation and Financials as a sign that the cyclical recovery is broadening.</p><p>Consumer Discretionary Goods has outperformed the S&P 500 by roughly 6% over the past two weeks as yields and crude oil pulled back from recent highs. </p><p dir="ltr">Wilson said earnings revisions for the group have begun inflecting higher again and that lighter positioning had set the stage for a catch-up trade once yields eased modestly.</p><p dir="ltr">Within Industrials and Financials, Morgan Stanley said "the risk/reward is greatest http://www.streetinsider.com/Investing/Morgan+Stanley+turns+more+positive+on+cyclicals+as+earnings+momentum+broadens/26579282.html Mon, 01 Jun 2026 07:35:16 -0400 AMZN CBC CIA FITB HBAN KRE ORCL PB SPLRCD SPXSTN UNH ZION http://www.streetinsider.com/Investing/Morgan+Stanley+turns+more+positive+on+cyclicals+as+earnings+momentum+broadens/26579282.html <p>Investing.com -- Morgan Stanley analyst Michael Wilson is growing more constructive on economically sensitive sectors, pointing to improving earnings revisions across Consumer Discretionary, Transportation and Financials as a sign that the cyclical recovery is broadening.</p><p>Consumer Discretionary Goods has outperformed the S&P 500 by roughly 6% over the past two weeks as yields and crude oil pulled back from recent highs. </p><p dir="ltr">Wilson said earnings revisions for the group have begun inflecting higher again and that lighter positioning had set the stage for a catch-up trade once yields eased modestly.</p><p dir="ltr">Within Industrials and Financials, Morgan Stanley said "the risk/reward is greatest http://www.streetinsider.com/Investing/Morgan+Stanley+turns+more+positive+on+cyclicals+as+earnings+momentum+broadens/26579282.html Mon, 01 Jun 2026 07:35:16 -0400 AMZN CBC CIA FITB HBAN KRE ORCL PB SPLRCD SPXSTN UNH ZION http://www.streetinsider.com/Investing/Morgan+Stanley+turns+more+positive+on+cyclicals+as+earnings+momentum+broadens/26579282.html <p>Investing.com -- Morgan Stanley analyst Michael Wilson is growing more constructive on economically sensitive sectors, pointing to improving earnings revisions across Consumer Discretionary, Transportation and Financials as a sign that the cyclical recovery is broadening.</p><p>Consumer Discretionary Goods has outperformed the S&P 500 by roughly 6% over the past two weeks as yields and crude oil pulled back from recent highs. </p><p dir="ltr">Wilson said earnings revisions for the group have begun inflecting higher again and that lighter positioning had set the stage for a catch-up trade once yields eased modestly.</p><p dir="ltr">Within Industrials and Financials, Morgan Stanley said "the risk/reward is greatest http://www.streetinsider.com/Investing/Morgan+Stanley+turns+more+positive+on+cyclicals+as+earnings+momentum+broadens/26579282.html Mon, 01 Jun 2026 07:35:16 -0400 AMZN CBC CIA FITB HBAN KRE ORCL PB SPLRCD SPXSTN UNH ZION