Nick Raich, CEO of The Earnings Scout, previews bank earnings as JPMorgan (JPM) kicks off the season, arguing that profitability will hinge on net interest margins and loan growth rather than headlines. He discusses slowing momentum tied to geopolitical risk and credit quality, while pointing to productivity gains from A.I. across the S&P 500 as a longer‑term margin catalyst. Raich also highlights opportunities in regional banks like Fifth Third (FITB) and U.S. Bancorp (USB), with Citigroup (C) serving as a key gauge of global economic and energy‑related risk.