Haverhill Financial Research · Watchlist · October 11, 2026
Why these eighteen
Third-quarter earnings season starts on Tuesday, October 13. The first week is dominated by banks, insurers and asset managers, which makes it the earliest broad read on borrowers, savers and deal-making. Two chip-industry heavyweights, ASML and Taiwan Semiconductor, also report, giving the first word on AI spending before the big tech companies later in the month.
The watchlist
| Company | Reports | The number to watch |
|---|---|---|
JPM JPMorgan Chase | Tue, Oct 13 ~7:00 a.m. ET | Card net charge-off rate The cleanest read on whether households are falling behind |
GS Goldman Sachs | Tue, Oct 13 ~7:30 a.m. ET | Investment-banking fees Are mergers and stock sales picking up? |
WFC Wells Fargo | Tue, Oct 13 ~7:00 a.m. ET | Loan growth How fast it grows with its asset cap lifted |
C Citigroup | Tue, Oct 13 ~8:00 a.m. ET | Expenses against revenue Progress on its multi-year restructuring |
JNJ Johnson & Johnson | Tue, Oct 13 ~6:45 a.m. ET | Drug sales growth How well newer medicines are replacing Stelara as copies arrive |
UNH UnitedHealth Group | Tue, Oct 13 Before the open | Medical cost ratio The share of premiums spent on care, the number that broke its stock |
DPZ Domino's Pizza | Tue, Oct 13 ~6:05 a.m. ET | US same-store sales Whether slowing US growth has turned |
BAC Bank of America | Wed, Oct 14 ~6:45 a.m. ET | Net interest income guidance Where it sees rates and deposits into 2027 |
MS Morgan Stanley | Wed, Oct 14 ~7:30 a.m. ET | Wealth net new assets Are clients still bringing in money? |
BLK BlackRock | Wed, Oct 14 Before the open | Net inflows Especially into ETFs and private markets |
PGR Progressive | Wed, Oct 14 Before the open | Combined ratio Whether car-insurance profits are peaking as prices ease |
ASML ASML Holding | Wed, Oct 14 ~1:00 a.m. ET | Outlook for 2027 The first read on chipmakers' equipment budgets for next year |
TSM Taiwan Semiconductor | Thu, Oct 15 ~2:00 a.m. ET | Gross margin and AI demand How much new factories overseas cost it, and what it says about AI chips |
USB U.S. Bancorp | Thu, Oct 15 Before the open | Net interest income How its loans and deposits reprice as rates move |
PNC PNC Financial | Thu, Oct 15 ~6:30 a.m. ET | Loan growth Whether businesses are borrowing again |
SCHW Charles Schwab | Thu, Oct 15 8:30 a.m. ET update | Client cash and new assets Whether money is still flowing in |
MRSH Marsh | Thu, Oct 15 Before the open | Organic revenue growth Whether softer insurance prices are slowing the broker |
TRV Travelers | Fri, Oct 16 Before the open | Catastrophe losses How costly the quarter's storms were for property insurers |
What would change the mood
Good sign: banks reporting steady card losses and rising loan balances, alongside higher investment-banking fees at Goldman Sachs and Morgan Stanley.
Good sign: ASML and Taiwan Semiconductor sounding confident about 2027 spending by their customers.
Warning sign: several banks adding to reserves for future loan losses at once.
Warning sign: UnitedHealth reporting medical costs still rising faster than premiums.
How this connects to our coverage
Domino's (#52), U.S. Bancorp (#91) and Charles Schwab (#55) are Holds on the Haverhill Hundred. For the banks in more depth, see our Bank Earnings Kickoff watchlist and our Q3 earnings preview; for ASML and the AI chain, see AI Supply Chain Check.
Sources and disclosures
Report dates and times come from each company's own announcements of its third-quarter results date. Schwab will discuss results at its Fall Business Update on October 15.
Disclosures. Haverhill Financial Research is a publisher of general financial commentary. This watchlist is not personalized investment advice and does not consider any reader's financial situation; readers should do their own research. Inclusion on a watchlist is not a recommendation to buy or sell. Report dates come from company announcements and can change. The author of this post does not hold positions in the companies named. Data as of October 9, 2026.
