STT Earnings Predictions — 2026-07-16

Ticker Report or Guide KPI Prediction Answer Confidence
STT Report Diluted EPS (ex-notables) BEAT pred ~$3.50 vs. cons $3.28 HIGH
STT Report Total Revenue BEAT pred ~$3.98B vs. cons $3.862B HIGH
STT Report Net Interest Income (NII) BEAT pred ~$830M vs. cons ~$794M MEDIUM
STT Guide FY2026 Fee revenue growth guide BETTER guide ~9-11% vs. cons ~8% (FY2026) MEDIUM
STT Guide FY2026 NII growth guide BETTER guide ~10-12% vs. cons ~9% (FY2026) MEDIUM
STT Guide Medium-term pretax margin target (new strategic update) BETTER guide ~33% vs. cons/implied ~31% (medium-term, ~2028 horizon) MEDIUM
STT Guide FY2026 Expense growth guide UNCHANGED guide ~5-6% vs. cons ~5.5% (FY2026) MEDIUM
STT Return Day-1 residual (stock − beta × S&P 500) +2.0% MEDIUM
STT Return 5-day cumulative residual +3.5% (FOLLOW-THROUGH) Precedent from Q1 2026 (beat-and-raise triggered a multi-day ~8% follow-through rally, not a single-day pop) plus the fact that the new medium-term strategic/margin targets and AI-monetization framework represent genuinely new information not yet captured in the pre-print BK-driven sympathy rally. If Q2 beats on EPS/revenue/NII as expected and management raises FY fee/NII guides again while unveiling a higher medium-term margin target, sell-side estimate revisions should grind higher over the week, extending gains past day 1. Risk to this call: the stock has already run up ~45% YTD and +5% into the print on BK's read-through, so a chunk of the good news is pre-priced, capping magnitude versus Q1's reaction and creating some risk of a partial fade if the strategic update is seen as already anticipated or light on hard AI-P&L quantification. MEDIUM