Northern Trust vs Cincinnati Financial
This page compares Northern Trust (Northern Trust Corporation) and Cincinnati Financial (Cincinnati Financial Corp.), outlining their business models, financial performance, and market context. It presents neutral, accessible information about how each company operates, the segments they serve, and the environment in which they compete. Educational content, not financial advice.
This page compares Northern Trust (Northern Trust Corporation) and Cincinnati Financial (Cincinnati Financial Corp.), outlining their business models, financial performance, and market context. It pre...
Why It's Moving
Northern Trust's FY 2025 Wrap Shows Revenue Growth but Margin Squeeze Sparks Investor Debate
- AUM surged to $1,772.7 billion by Q3 end, fueled by net inflows peaking at $11.6 billion in Q1, underscoring sticky institutional and wealth management clients.
- Basic EPS edged up quarterly to $2.41 but trailed 12-month prior at $8.78 versus $9.80, painting a mixed earnings picture.
- Trailing net income excluding extras fell to $1,679.2 million from $1,972.4 million, as margin pressures challenge profitability despite top-line gains.
Cincinnati Financial gears up for Q4 2025 earnings reveal amid steady insurance sector tailwinds.
- Company scheduled a webcast for February 10 to dissect Q4 and annual figures, signaling transparency as markets eye catastrophe impacts and investment returns.
- Net premiums earned surged at a 12.1% annualized pace over two years, outpacing industry averages and bolstering revenue stability.
- EPS rocketed 21.6% annually over five years, highlighting sharpened profitability even as shares hover near $162 with mixed short-term signals.
Northern Trust's FY 2025 Wrap Shows Revenue Growth but Margin Squeeze Sparks Investor Debate
- AUM surged to $1,772.7 billion by Q3 end, fueled by net inflows peaking at $11.6 billion in Q1, underscoring sticky institutional and wealth management clients.
- Basic EPS edged up quarterly to $2.41 but trailed 12-month prior at $8.78 versus $9.80, painting a mixed earnings picture.
- Trailing net income excluding extras fell to $1,679.2 million from $1,972.4 million, as margin pressures challenge profitability despite top-line gains.
Cincinnati Financial gears up for Q4 2025 earnings reveal amid steady insurance sector tailwinds.
- Company scheduled a webcast for February 10 to dissect Q4 and annual figures, signaling transparency as markets eye catastrophe impacts and investment returns.
- Net premiums earned surged at a 12.1% annualized pace over two years, outpacing industry averages and bolstering revenue stability.
- EPS rocketed 21.6% annually over five years, highlighting sharpened profitability even as shares hover near $162 with mixed short-term signals.
Investment Analysis
Northern Trust
NTRS
Pros
- Northern Trust has a robust capital position confirmed by the Federal Reserve’s 2025 stress tests, maintaining strong capital buffers.
- The company has a diversified business model with significant assets under management of approximately $1.7 trillion, spanning wealth management, asset servicing, and banking.
- Northern Trust announced a planned 7% increase in its quarterly common stock dividend, reflecting strong cash flow and shareholder return focus.
Considerations
- Northern Trust’s stock price has shown recent volatility with forecasts predicting a potential decline from current levels over the next year.
- The company’s beta of 1.32 indicates above-average sensitivity to market fluctuations, implying higher volatility risk.
- Analyst consensus mostly rates the stock as 'Hold,' and the average price target suggests limited upside from current price levels.
Pros
- Cincinnati Financial has a long-standing history of stable insurance operations with a diversified product portfolio across multiple insurance lines.
- The company benefits from a strong balance sheet with consistent underwriting profits and disciplined risk management approaches.
- Cincinnati Financial maintains steady dividend payments, indicative of resilient free cash flow and commitment to shareholder returns.
Considerations
- The insurance business is inherently cyclical and sensitive to catastrophic events, which can impose significant claim costs impacting earnings.
- Cincinnati Financial faces competitive pressures from larger insurance carriers and evolving regulatory requirements, potentially limiting market share growth.
- Investment income is subject to interest rate fluctuations, which can affect profitability given current economic uncertainties.
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Northern Trust (NTRS) Next Earnings Date
Northern Trust will announce its Q1 2026 earnings on Tuesday, April 21, 2026 at 8:00 a.m. CT. This earnings report will cover the first quarter of 2026 and follows the company's standard quarterly reporting schedule. The Q4 2025 earnings were most recently reported on January 22, 2026, where the company exceeded expectations with an EPS of $2.69 against a consensus estimate of $2.37.
Cincinnati Financial (CINF) Next Earnings Date
Cincinnati Financial (CINF) is scheduled to release its next earnings report for Q4 and full-year 2025 on February 9, 2026, after market close. A conference call to discuss these results is set for February 10, 2026, at 11:00 a.m. ET. This timing aligns with the company's historical pattern of early-year releases for fourth-quarter performance.
Northern Trust (NTRS) Next Earnings Date
Northern Trust will announce its Q1 2026 earnings on Tuesday, April 21, 2026 at 8:00 a.m. CT. This earnings report will cover the first quarter of 2026 and follows the company's standard quarterly reporting schedule. The Q4 2025 earnings were most recently reported on January 22, 2026, where the company exceeded expectations with an EPS of $2.69 against a consensus estimate of $2.37.
Cincinnati Financial (CINF) Next Earnings Date
Cincinnati Financial (CINF) is scheduled to release its next earnings report for Q4 and full-year 2025 on February 9, 2026, after market close. A conference call to discuss these results is set for February 10, 2026, at 11:00 a.m. ET. This timing aligns with the company's historical pattern of early-year releases for fourth-quarter performance.
Which Baskets Do They Appear In?
S&P Stock Access: Could Infrastructure Stocks Hedge Risk?
As Nigerians increasingly seek to diversify their investments, gaining exposure to the world's largest economy offers a potential hedge against local market volatility. This basket focuses on the global companies that create, track, and provide access to benchmark indices like the S&P 500.
Published: September 26, 2025
Explore BasketWhich Baskets Do They Appear In?
S&P Stock Access: Could Infrastructure Stocks Hedge Risk?
As Nigerians increasingly seek to diversify their investments, gaining exposure to the world's largest economy offers a potential hedge against local market volatility. This basket focuses on the global companies that create, track, and provide access to benchmark indices like the S&P 500.
Published: September 26, 2025
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